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chunks/json/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.json

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chunks/json/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.json

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chunks/json/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.json

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chunks/json/74517e1a151b4345b8496f7a26e01ce0df4a91c594d81917ce785356be94eeaa.json

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+{"chunk":{"char_end":30453,"char_start":28714,"chunk_id":"chk_e115ee9da8a8ef4c","chunk_index":16,"chunk_sha256":"74517e1a151b4345b8496f7a26e01ce0df4a91c594d81917ce785356be94eeaa","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"74517e1a151b4345b8496f7a26e01ce0df4a91c594d81917ce785356be94eeaa","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"**Ransomware**– Ransomware is malicious software used to infect a victim’s computer and deny access to key computer systems or data until a ransom is paid. Even if the ransom is paid, fraudsters may not restore access fully or may steal sensitive information for sale on the dark web or use in future cyber-attacks.\n\n**Remote Access Trojan** – A remote access Trojan (RAT) is a malware program that includes a back door for administrative control over the target computer. RATs are usually downloaded invisibly with a user-requested program and may result in theft and fraud.\n\n## Report Possible Fraud\n\nIf you are aware of possible mortgage fraud or cyber-enabled schemes targeting you or your mortgage company, report the activity to [FHFA’s Office of Inspector General online](https://www.fhfaoig.gov/ReportFraud) or at 800-793-7724.\n\n## Additional Resources for Borrowers\n\n[Consumer Financial Protection Bureau – Fraud and Scams](https://www.consumerfinance.gov/consumer-tools/fraud/)\n [Federal Bureau of Investigation – Financial Institution/Mortgage Fraud](https://www.fbi.gov/investigate/white-collar-crime#Mortgage-and%20Financial%20Instiution%20Fraud)\n [Federal Trade Commission – Home Loans​](https://consumer.ftc.gov/scams)\n [Fannie Mae – Beware of Scams](https://www.knowyouroptions.com/find-resources/information-and-tools/beware-of-scams) or 1-800-2FANNIE\n [Freddie Mac –​ Avoiding Fraud](https://myhome.freddiemac.com/getting-help/avoiding-fraud?_gl=1*v2nz5r*_ga*MjEwMzU1ODgzNy4xNjgxMjI4NzMw*_ga_B5N0FKC09S*MTY4MTIyODczMC4xLjEuMTY4MTIyODgxMy4wLjAuMA..) or 1-800-FREDDIE (select option 2)\n [Department of Housing and Urban Development – Prevent Loan Scams](https://www.hud.gov/program_offices/housing/prevent_loan_scams)\n"}

chunks/json/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.json

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+{"chunk":{"char_end":306266,"char_start":304658,"chunk_id":"chk_ac07e21b065877e4","chunk_index":179,"chunk_sha256":"74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@Appra\niserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifierName\n\n4a\n\nHEADER\n\nBLANK\n\n5\n\nADDITIONAL\nCOMMENTS\n\nAdditional Comment\n\nAppraiser Additional\nFile Identifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\nValuation Methods\nAdditional\nDescription\n\nA free form text field used to provide\nadditional comments pertaining to the\nvaluation methods and information\ngathering methods used in the\nappraisal.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifier\n\nPDF Display Format:\nmm/dd/yyyy\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor.\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n"}

chunks/json/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.json

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+{"chunk":{"char_end":454784,"char_start":453181,"chunk_id":"chk_10253e4eaaebc11f","chunk_index":254,"chunk_sha256":"74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Lease or one year personal tax return (Rental Information\nsection of the Uniform Residential Appraisal Report (URAR)\nand Single-Family Comparable Rent Schedule Form 1007 are\nnot required). Applies to rental income from subject property\nor from other properties owned by the borrower.\n\nOne of the following:\n\n•\n\naward letter,\n\n• one year personal tax return,\n\n• W-2 or 1099 form, or\n\none month bank statement reflecting direct deposit.\n\nOne of the following:\n\n•\n\naward letter,\n\n• one year personal tax return,\n\n•\n\nForm SSA-1099, or\n\none month bank statement reflecting direct deposit.\n\nLender must receive:\n\n•\n\nthe borrower’s written confirmation of their intent to\nreturn to work, and\n\n• no evidence or information from the borrower’s\n\nemployer indicating that the borrower does not have\nthe right to return to work after the leave period.\n\nRegardless of the date of return, the amount of the “regular\nemployment income” the borrower received prior to the\ntemporary leave must be used to qualify.\n\nLender must determine appropriate documentation.\n\nExamples include (but are not limited to):\n\n•\n\nan award letter or equivalent documentation or\nagreement,\n\n• one paystub or equivalent documentation,\n\n• one year personal tax return,\n\n•\n\nIRS 1099 Form, or\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 186 of 166\n\nUAD 3.6 Policy\n\n•\n\n•\n\nForeign Income\n\nFoster-Care Income\n\n• Housing or Parsonage Allowance\n\n•\n\nInterest and Dividends Income\n\n• Mortgage Credit Certificates\n\n• Mortgage Differential Payments Income\n\n• Non-Occupant Borrower Income\n\n• Notes Receivable Income\n\n• Public Assistance Income\n"}

chunks/json/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.json

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+{"chunk":{"char_end":34671,"char_start":34054,"chunk_id":"chk_0d97120d0284a917","chunk_index":55,"chunk_sha256":"7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb","token_estimate":495,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Reconsideration of Value (H1) ............................................................................................................................ 77\n\nSupplemental Information ............................................................................................................................. 77\n\nSupplemental Information Exhibits (H1) ............................................................................................................ 77\n\nCertifications and Scope of Work ................................................................................................................... 77\n"}

chunks/json/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.json

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+{"chunk":{"char_end":10068,"char_start":8634,"chunk_id":"chk_fb67ea2fec8a3565","chunk_index":5,"chunk_sha256":"748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_804a7fc1535bc1e6","text_sha256":"748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05","token_estimate":359,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Conforming_Loan_Limit_Values___FHFA_94vzus.md"]},"text":"The national conforming loan limit value for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limit values 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands. Since 2008, various legislative acts increased the conforming loan limit values in certain high-cost areas in the United States. While some of the legislative initiatives established temporary limit values for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA). The 2026 conforming loan limit values have been set under the HERA formula.\n\nSee the latest FHFA Conforming Loan Limit values news release [here](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026).\n\n## 2026 FHFA Conforming Loan Limit Values\n\n---\n\nConforming Loan Limit Values for Calendar Year 2026 -- All Counties\n\n[[XLSX]](/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.xlsx), [[CSV]](/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.csv), [[PDF]](/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.pdf), [[MAP]](/data/dashboard/conforming-loan-limit-values-map), [[ADDENDUM]](/document/fhfa-cll-addendum-cy2026.pdf), [[FAQs]](/document/fhfa-cll-faqs-2026.pdf)\n\n## Previously Announced Loan Limit Values\n\n---\n"}

chunks/json/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.json

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+{"chunk":{"char_end":16963,"char_start":15356,"chunk_id":"chk_4d9bc88f70548807","chunk_index":9,"chunk_sha256":"74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Categories 1-7 consolidate information on co-\nborrower race and ethnicity reported by the\nEnterprise. Categories 1 through 6 include\nonly co-borrowers not identified as Hispanic or\nLatino. Categories 1-5 include non-Hispanic\nor Latino co-borrowers identifying only one\nrace category. Category 6 includes non-\nHispanic or Latino co-borrowers identifying\ntwo or more races. Category 7 includes co-\nborrowers identified as Hispanic or Latino, of\nany race. Category 9 includes mortgages for\nwhich no co-borrower race or ethnicity is\nidentified, originally coded as information not\nprovided by the co-borrower in a mail or\ntelephone application, no co-borrower, not\napplicable, or not available.\n\n13\n\n1\n\nsex_borr\n\nBorrower Sex\n\n1 = Male\n2 = Female\n3 = Information is not provided by the\nborrower in a mail or telephone\napplication\n4 = Not applicable\n9 = Missing\n\nSF NFB\n\n12\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File B\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n14\n\nsex_coborr\n\nCo-Borrower Sex\n\n15\n\n1\n\noccupancy_sf_nfb\n\nOccupancy Code\n\n1 = Male\n2 = Female\n3 = Information is not provided by the\nco-borrower in a mail or telephone\napplication\n4 = Not applicable\n5 = No co-borrower\n9 = Missing\n1 = Owner-occupied unit\n2 = Rental unit in an owner-occupied\nproperty\n3 = Investment property (rental unit)\n9 = Not available\n\n16\n\n17\n\n18\n\n1\n\n1\n\n1\n\nSF NFB\n\nunits_num\n\nNumber of Units\n\n1,2,3, or 4\n\nTotal number of units in the property\ncontaining this unit.\n\nunit_own_occ\n"}

chunks/json/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.json

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+{"chunk":{"char_end":8827,"char_start":7181,"chunk_id":"chk_62ba82bad728cd24","chunk_index":3,"chunk_sha256":"74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Delivery\nType*\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n© 2025 Fannie Mae\n\n12.10.2025\n\n2 of 7\n\nCode\n\n175\n\nWhole\nLoan/MBS\nBoth\n\nDescription/Definition\n\nFlood Insurance—Not a Special Flood Hazard Area\nUsed to identify a mortgage for which no part of a principal or residential detached structure\non the property securing the mortgage loan is located in a Special Flood Hazard Area but that\nflood insurance coverage is in place on the principal and/or residential detached structure.\nDelivery is optional – code is auto-derived\n\n176\n\nBoth\n\nShared Appreciation\nUsed to identify loans associated with a shared appreciation Community Seconds program.\n\n177\n\nBoth\n\n180\n\nBoth\n\nModel Deed Restriction Form\nUsed to identify shared equity loans with income and resale price restrictions that use the\nmodel deed restriction form - 2021 Model Declaration of Affordability Covenants with\nRefinance and Resale Restriction and Purchase Option. This SFC must be used in\nconjunction with SFC 630 (Resale Restrictions Terminating at Foreclosure).\n\nNo Flood Insurance — Not a Special Flood Hazard Area\nUsed to identify a mortgage for which no part of a principal or residential detached structure\non the property securing the mortgage loan is located in a Special Flood Hazard Area and\nthat no flood insurance coverage is in place on the principal or residential detached structure.\nAlso used to indicate that there is a non-residential detached structure attached to the land for\nwhich any part is in a Special Flood Hazard Area and that no flood insurance coverage is in\nplace.\nDelivery is optional – code is auto-derived\n"}

chunks/json/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.json

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+{"chunk":{"char_end":70321,"char_start":68651,"chunk_id":"chk_d1655f3358e0c6f6","chunk_index":34,"chunk_sha256":"74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"V. XML File Data Payload A to Z\n\nFigure 15. Rendering Sales Contract Data on the CD when Personal Property is Not Included in Sale.\n\n1.0 Closing Information\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n11.0 K. Due from Borrower at Closing\n\n11.0.1\n\n1.7 Sale Price $240,000\n\n11.1 Sale Price of Property\n\n11.1.1 $240,000.00\n\n11.2 Sale Price of Any Personal Property\n\n11.1.1\n\nincluded in Sale\n\nAs shown in UCD v2.0 Spec “Field ID” column, one SALES_CONTRACT_DETAIL container holds the data that is rendered in\n\ntwo separate locations on the CD.\n\ni. Sale Does Not Include Personal Property\n\nProvide the data point SalesContractAmount when the sale does not\n\ninclude personal property and\n\nPersonalPropertyIncludedIndicator is “false“.\n\nTable 11. UCD v2.0 Spec Excerpt-Sales Contract Data when Personal Property is Not Included in Sale Data\nRequirements\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/CO\nLLATERAL/SUBJECT_PROPERTY/SALES_CONTRACTS/SALES_CONTRACT/SALES_CONTRACT_DETAIL\n\n1.025\n\n1.017\n\nPersonalPropertyIncludedIndicator\n\nfalse\n\nSalesContractAmount\n\n240000.00\n\nProvide this data point when personal property is\nnot itemized separately from the real property.\n\nFigure 16. XML Snippet-Example of Sales Contract Data when Personal Property is Not Included in Sale.\n\n<MESSAGE>\n…\n <DEAL>\n\n<COLLATERALS>\n <COLLATERAL>\n\n<SUBJECT_PROPERTY>\n\n<SALES_CONTRACTS>\n <SALES_CONTRACT>\n\n<SALES_CONTRACT_DETAIL>\n\n<PersonalPropertyIncludedIndicator>false</PersonalPropertyIncludedIndicator>\n <SalesContractAmount>240000.00</SalesContractAmount>\n"}

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+{"chunk":{"char_end":15046,"char_start":14481,"chunk_id":"chk_c60b231ed419a311","chunk_index":9,"chunk_sha256":"74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990","token_estimate":141,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml","below_target_min_tokens"]},"text":"ABC Mortgage\n\n88888 Idle Dr\n\nSomewhere\n\n91300\n\nMI\n\nLender\n\nClient\n\nImperial AMC\n\n456 Dorothy St\n\nAnywhere\n\n23410\n\nIA\n\nAppraisalManagementCompanyFee\n\n0\n\n2021-06-01\n\n2381\n\nCA\n\nManagementCompany\n\nBill\n\nSmith\n\n123 Main St\n\nNowhere\n\n90021\n\nCA\n\nSpartacus Appraisals\n\nSeniorResidentialAppraiser\n\nCertifiedResidential\n\n2021-09-01\n\n319721784\n\nCA\n\nAppraiser\n\nAppraisalFee\n\n0\n\nJames\n\nBorrower\n\nBorrower\n\nPropertyOwner\n\nLauren\n\nLightfoot\n\nBorrower\n\nPropertyOwner\n\nValuation\n\n2019-09-08\n\n\\\\Condo1_Appraisal_v1.3.pdf\n\napplication/pdf\n\n1\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"}

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+{"chunk":{"char_end":11582,"char_start":9950,"chunk_id":"chk_450e4a1c8e752099","chunk_index":6,"chunk_sha256":"74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Energy Efficient and Green Features Exhibits\n\nRESNET Score\n\nDOE Score\n\nThis is where the image of the Home Energy Score would display.\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201\n\nUniform Residential Appraisal Report\n\nPage 6 of 23\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nSketch does not represent actual dimensions of pictures, used for example only.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nColonial\n1-2 Ft.\n1979\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 23\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nAluminum\n\nQuality Comment\nQuality meets market\nexpectations for this type of\ndwelling.\n\nCondition Status\nTypical Wear and Tear\n\nFoundation\n\nPoured Concrete | Basement\n\nTypical Wear and Tear\n\nRoof\n\nWindows\n\nComposition\nEstimated Age:\n1-10 years\n\nThermal Double Hung and\nsome Casement Windows\n\n25 year rated shingles\n\nTypical Wear and Tear\n\nBrand Y Windows\n\nNew or Like New\n\nCondition Comment\nRecently painted with no\ndamage or condition issues\nnoted\n"}

chunks/json/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.json

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+{"chunk":{"char_end":36240,"char_start":35585,"chunk_id":"chk_3f130df768a56081","chunk_index":53,"chunk_sha256":"74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c","token_estimate":523,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Mechanical System Details ....................................................................................................................................................................................................... 164\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier]) ............................................................................................................ 165\n\nDwelling Exterior Commentary ................................................................................................................................................................................................ 166\n"}

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+{"chunk":{"char_end":380975,"char_start":379358,"chunk_id":"chk_d5369c142f7a58cb","chunk_index":212,"chunk_sha256":"74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Summaries of Transactions\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n0412.4 Second Loan (Principal Balance $10,000)\n\n0512.5 Seller Credit\n\n12.0.1\n\n12.4.1\n\n12.5.1\n\n$227,000.00\n\n$2,000.00\n\n$2,500.00\n\nAppendix E: UCD Implementation Guide\n\nPage 174 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\nFigure 101. Borrower Funds from Second Loan\n\nAny adjustment made with borrower funds obtained from a related transaction--for example, proceeds from a\nsubordinate lien--are disclosed as 12.4 using the value of ClosingAdjustmentItemType to identify the line item,\nas shown in Table 117 . Disclosable line items not paid from closing funds that are not included in the\ndetermination of cash to/from the borrower are identified as ‘‘paid outside of closing’’ or ‘‘P.O.C.’’ along with a\ndesignation of the party making the payment (borrower, seller, loan originator, real estate agent, or any other\nperson). The value of ClosingAdjustmentItemPaidOutsideOfClosingIndicator = “true” indicates this situation.\nThe name of the paying party is provided in FullName under CLOSING_ADJUSTMENT_ ITEM_PAID_BY.\n\nTable 117. Borrower Funds from Second Loan\n\nID\n\nForm Field\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n12.4.1 Second Loan $ …/CLOSING_ADJ\nUSTMENT_ITEM\n/CLOSING_ADJU\nSTMENT_ITEM_\nDETAIL\n\n12.4 N/A\n\nClosingAdjustmentItemA\nmount\n\n2000.00\n\nClosingAdjustmentItemP\naidOutsideOfClosingIndi\ncator\n\nfalse\n\nSecond Loan\n\n12.4\n\n12.4 N/A\n\nClosingAdjustmentItemT\nype\n\nProceedsOfSubordinateL\niens\n"}

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+{"chunk":{"char_end":241510,"char_start":239870,"chunk_id":"chk_8095ece7e1745ad3","chunk_index":135,"chunk_sha256":"74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 94 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-07, Sales Comparison Approach Section of the Uniform Residential\nAppraisal Report (06/04/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the Sales Comparison Approach section of the Uniform Residential Appraisal Report,\nincluding:\n\n• Overview\n• Data and Verification Sources of Comparable Sales\n• Prior Sale and Transfer History of the Subject and Comparable Sales\n\nOverview\n\nThe sales comparison approach to value is an analysis of comparable sales, contract sales, and listings of properties that are the\nmost comparable to the subject property.\n\nThe appraiser’s analysis of a property must take into consideration all factors that have an effect on value. The appraiser must\nanalyze all closed sales, contract sales, and offerings or listings of properties that are the most comparable to the subject\nproperty in order to identify any significant differences or elements of comparison that could affect their opinion of value for the\nsubject property as of the effective date of the appraisal report. This is particularly important in changing (increasing or declining\nvalues) markets. Analyzing closed sales, contract sales, and offerings or listings is an important analysis in any market and will\nresult in more accurate reporting on market conditions, including trends that indicate that sale prices for contract sales and\nasking prices for recent offerings or listings have changed. (See SB4-1.3-03, Market Section of the Uniform Residential Appraisal\nReport, for information regarding market competition and housing trends.)\n"}

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+{"chunk":{"char_end":28078,"char_start":26420,"chunk_id":"chk_b9450db00ff251cd","chunk_index":14,"chunk_sha256":"74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8","token_estimate":415,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"3. Multifamily Data Field 21: Purpose of\nLoan\n\nThis data field designates the purpose\n\nof the mortgage acquired by the\nEnterprise (e.g., purchase, refinancing,\nrehabilitation). For the reasons\ndiscussed above for single-family data\nfield 22, FHFA has changed the\n‘‘rehabilitation’’ loan purpose code in\nthis data field in the multifamily matrix\nto ‘‘home improvement/rehabilitation’’\nloan. To conform to HMDA reporting\nrequirements, FHFA has also added\n\ncodes in this data field in the\nmultifamily Census Tract File to reflect\nHMDA’s additional purpose of loan\ncodes (see the expanded codes in the\nmultifamily matrix in the Appendix),\nwhile recoding non-HMDA values as\n‘‘not applicable/not available/other’’ for\nthe multifamily Census Tract File.\nFannie Mae commented that\n\nmultifamily loan purpose currently is\ncollected through one of four\nacquisition systems, depending on the\ntransaction structure (e.g., acquisition,\nrefinance, equity, and conversion).\nFannie Mae indicated that when it\ndelivers this information to FHFA, it\nidentifies the loan purpose as purchase,\nrefinance, new construction,\nrehabilitation or not applicable/not\navailable based on the loan purpose\nprovided by the seller, special feature\ncodes, and other information. Fannie\nMae stated that this process of reporting\nthe multifamily ‘‘purpose of loan’’ data\nmight cause some confusion for users\ntrying to align the HMDA data with the\nPUDB data. Accordingly, users of the\nPUDB and HMDA data should be aware\nof the potential reporting discrepancy in\nthe purpose of loan data field in these\ntwo databases.\n\n4. Single-family Data Field 27 and\nMultifamily Data Field 34: Federal\nGuarantee\n"}

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+{"chunk":{"char_end":388147,"char_start":386260,"chunk_id":"chk_7f81a11520c2f434","chunk_index":216,"chunk_sha256":"74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa","token_estimate":472,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• pay off the outstanding principal balance of an existing subordinate mortgage or lien secured by the manufactured\n\nhome and/or land, but only if it was used to purchase the manufactured home and/or land;\n\n•\n\nfinance costs of construction;\n\n•\n\nfinance closing costs (including prepaid expenses); and\n\n• provide cash back to the borrower in an amount not to exceed the lesser of 2% of the balance of the new refinance\n\nmortgage or $2,000.\n\nCash-Out Refinance Transactions\n\nA cash-out refinance:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 156 of 166\n\nUAD 3.6 Policy\n•\n\ninvolves the payoff of an existing first lien mortgage secured by the manufactured home and land (or existing liens if\nthe home and land were encumbered by separate first liens); or\n\n• enables the property owner to obtain a mortgage on a property that does not already have a mortgage lien against it,\nand permits the borrower to take equity out of the property in the form of mortgage proceeds that may be used for\nany purpose.\n\nTo be eligible for a cash-out refinance, the property must be a one-unit multi-section manufactured home (single-section\nmanufactured homes are not permitted). The borrower must have owned both the manufactured home and land for at least\n12 months preceding the date of the loan application. The LTV, CLTV, and HCLTV ratios will be based on the current appraised\nvalue of the manufactured home and land.\n\nNew Construction of a Manufactured Home\n\nWhen the mortgage loan funds the construction of a new manufactured home, construction must be complete when the loan\nis purchased (or securitized) by Fannie Mae. As a reminder, if construction is completed after the first payment date of the\nsubject loan, the loan may be subject to the property value requirements (loans more than four months old at time of\npurchase) or seasoned loan requirements in B2-1.5-02, Loan Eligibility.\n"}

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+{"chunk":{"char_end":507950,"char_start":506348,"chunk_id":"chk_8dbe9faa424cfc38","chunk_index":289,"chunk_sha256":"75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"true\n\nFullName\n\nBeta Card, Inc.\n\nNot shown\n\n25.1 Beta Card, Inc. to\npay down credit\ncard balance\n\n.../LIABILITY_HOLDER\n/NAME\n\nAppendix E: UCD Implementation Guide\n\nPage 238 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n25.0 Payoffs and Payments - UPDATED\n\nID\n\nForm Field Name\n\n25.1.1 Beta Card, Inc. to\npay down credit\ncard balance\n($)\n\n25.1.1 Principal\n\n25.1\n\nReduction to\nMichael Jones ($)\nPrincipal\nReduction to\nMichael Jones\n\n25.1 N/A\n\n25.1 N/A\n\n25.1 Principal\n\nReduction to\nMichael Jones\n\n25.1.1 Grant from\nCommunity\nLending Program\npaid to Ficus Bank\n($)\n\n25.1\n\nGrant from\nCommunity\nLending Program\npaid to Ficus Bank\n\n25.1 N/A\n\nTable 157. Payoffs and Payments Table\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n.../PAYOFF\n\nPayoffAmount\n\n5000.00\n\nROF as “$5,000.00”\n\nLIABILITY end\nFirst instance of CLOSING_ADJUSTMENT_ITEM\n\n.../CLOSING_ADJUST\nMENT_ITEM_DETAIL\n\nClosingAdjustmentIt\nemAmount\n\n2057.00\n\nROF as “$2,057.00”\n\nClosingAdjustmentIt\nemType\n\nOther\n\nROF as “Principal\nReduction”\n\nClosingAdjustmentIt\nemTypeOtherDescri\nption\n\n@gse:DisplayLabelT\next\n\nClosingAdjustmentIt\nemPaidOutsideOfCl\nosingIndicator\nIntegratedDisclosur\neSectionType\n\nPrincipalReduction\n\nPrincipal Reduction\n\nfalse\n\nNot shown unless\n“true”\n\nPayoffsAndPayments\n\nNot Shown\n\nFullName\n\nFicus Bank\n\nNot Shown\n\ngse:FullName\n\nMichael Jones\n\nROF as “to Michael\nJones”\n\n…/CLOSING_ADJUST\nMENT_ITEM/CLOSIN\nG_ADJUSTMENT_ITE\nM_PAID_BY/LEGAL_E\nNTITY/LEGAL_ENTITY\n_DETAIL\n…/EXTENSION/OTHER\n/gse:CLOSING_ADJUS\nTMENT_ITEM_PAID_T\nO/gse:INDIVIDUAL/gs\ne:NAME\n\nSecond instance of CLOSING_ADJUSTMENT_ITEM\n"}

chunks/json/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.json

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chunks/json/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.json

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+{"chunk":{"char_end":8554,"char_start":7083,"chunk_id":"chk_1f890bdbbc1cf540","chunk_index":4,"chunk_sha256":"751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617da7ffffdf3019","text_sha256":"751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Affordable_Housing___Community_Investment___FHFA_57mm4d.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![Rows of townhomes](/sites/default/files/styles/desktop_hero/public/2025-10/row-of-townhomes-hero-banner.jpg.webp?itok=CLTNat1D)\n\nProgram\n\n# Affordable Housing & Community Investment\n\n## Breadcrumb\n\n- [Home](/)\n - [Programs](/programs)\n - Affordable Housing & Community Investment\n"}

chunks/json/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.json

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+{"chunk":{"char_end":14477,"char_start":11068,"chunk_id":"chk_786b8508e1372efd","chunk_index":6,"chunk_sha256":"7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9f0e8e7d968a8db1","text_sha256":"7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f","token_estimate":852,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Collateral_Pledged_to_FHLBanks___U_S__FEDERAL_HOUS_9u0sk.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/206&order=field_release_date&sort=asc) Report Attachment November 25, 2025 [Report on Collateral Pledged to Federal Home Loan Banks - November 2025](/reports/collateral-pledged-to-fhlbanks/2025) [Read Report](/document/2025-Annual-Collateral-Report-to-Congress.pdf) December 16, 2024 [Report on Collateral Pledged to Federal Home Loan Banks - December 2024](/reports/collateral-pledged-to-fhlbanks/2024) [Read Report](/document/collateral-pledged-to-fhlbanks-2024) December 15, 2023 [Report on Collateral Pledged to Federal Home Loan Banks - December 2023](/reports/collateral-pledged-to-fhlbanks/2023) [Read Report](/media/51106) December 18, 2022 [Report on Collateral Pledged to Federal Home Loan Banks - December 2022](/reports/collateral-pledged-to-fhlbanks/2022) [Read Report](/media/30561) July 23, 2021 [Report on Collateral Pledged to Federal Home Loan Banks - July 2021](/reports/collateral-pledged-to-fhlbanks/2021) [Read Report](/media/30276) November 06, 2020 [Report on Collateral Pledged to Federal Home Loan Banks - November 2020](/reports/collateral-pledged-to-fhlbanks/2020) [Read Report](/media/30106) December 12, 2019 [Report on Collateral Pledged to Federal Home Loan Banks - December 2019](/reports/collateral-pledged-to-fhlbanks/2019) [Read Report](/document/collateral-pledged-to-fhlbanks-2019) November 08, 2018 [Report on Collateral Pledged to Federal Home Loan Banks - November 2018](/reports/collateral-pledged-to-fhlbanks/2018) [Read Report](/document/collateral-pledged-to-fhlbanks-2018) December 20, 2017 [Report on Collateral Pledged to Federal Home Loan Banks - December 2017](/reports/collateral-pledged-to-fhlbanks/2017) [Read Report](/document/collateral-pledged-to-fhlbanks-2017) August 11, 2016 [Report on Collateral Pledged to Federal Home Loan Banks - August 2016](/reports/collateral-pledged-to-fhlbanks/2016) [Read Report](/media/30431) September 18, 2015 [Report on Collateral Pledged to Federal Home Loan Banks - September 2015](/reports/collateral-pledged-to-fhlbanks/2015) [Read Report](/media/29791) November 05, 2014 [Report on Collateral Pledged to Federal Home Loan Banks - November 2014](/reports/collateral-pledged-to-fhlbanks/2014) [Read Report](/media/25096) September 01, 2013 [Report on Collateral Pledged to Federal Home Loan Banks - September 2013](/reports/collateral-pledged-to-fhlbanks/2013) [Read Report](/media/23771) September 20, 2012 [Report on Collateral Pledged to Federal Home Loan Banks - August 2012](/reports/collateral-pledged-to-fhlbanks/2012) [Read Report](/media/23776) October 03, 2011 [Report on Collateral Pledged to the Federal Home Loan Banks - October 2011](/reports/collateral-pledged-to-fhlbanks/2011) [Read Report](/media/23796) August 24, 2010 [Report on Collateral Securing Advances at the Federal Home Loan Banks - August 2010](/reports/collateral-pledged-to-fhlbanks/2010) [Read Report](/media/23801) July 30, 2009 [Report on Federal Home Loan Bank Collateral for Advances and Interagency Guidance on Nontraditional Mortgage Products - July 2009](/reports/collateral-pledged-to-fhlbanks/2009) [Read Report](/document/fhlbank-collateral-for-advances) January 26, 2009 [Report on Collateral Securing Advances at the Federal Home Loan Banks - January 2009](/reports/collateral-pledged-to-fhlbanks/2007-2009) [Read Report](/media/23866)\n"}

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chunks/json/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.json

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+{"chunk":{"char_end":164010,"char_start":162402,"chunk_id":"chk_e6d6e214c258e5d4","chunk_index":95,"chunk_sha256":"753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The appraiser must fully consider any apparent environmental conditions that impact the value and\nmarketability of the property. Environmental conditions may be onsite or offsite, may not be visible on or from\nthe property, or may even be located some distance away.\n\nThere is one Apparent Environmental Condition row in the Site Influence table for each Apparent Environmental\nCondition. If there are no environmental conditions, this row does not display.\n\nSite: Site Influence - Apparent Environmental Conditions\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.027\n\nDetail\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Apparent\nEnvironmental\nCondition)\n\nDefinition / Additional Guidance\n\nApparent Environmental Condition: A type of environmental condition\nidentified during the analysis of a lot or structure.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Water Contamination\n•\nOther (Describe)\n\nNone\nHazardous Above Ground Storage Tank\nHazardous Substances\nLandfill\nRadon\nSlush Pit\nSoil Contamination\nSuperfund Site\nUnderground Storage Tank\n\n4.026\n\nProximity\n\nRequired for each\nidentified Apparent\nEnvironmental\nCondition\n\nChoose an\nallowable answer\nfrom table\n(Proximity)\n\nProximity of the environmental condition to the property.\n•\n•\n•\n\nBordering\nOffsite\nOnsite\n\n4.026\n\nProximity\n\nRequired if Proximity is\nBordering or Offsite\n\nNumber of feet,\nmeters, miles or\nkilometers\n\nDistance from Property: The approximate distance from the property to the\nenvironmental condition, as measured from the closest point of the apparent\nenvironmental condition to the subject property line.\n"}

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chunks/json/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.json

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+{"chunk":{"char_end":8399,"char_start":6768,"chunk_id":"chk_54f3ee2b94f497b0","chunk_index":4,"chunk_sha256":"754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24862b5b8723cb88","text_sha256":"754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-april-2021.pdf"]},"text":"Fannie Mae Confidential and Proprietary\n\n© 2021 Fannie Mae 2.24.21 Page 3 of 4\n\nRetired DU Validation Service Messages\n\nThe following messages will be retired in this release.\n\nMessage\nIdentifier\n\n2847\n\n2953\n\nMessage Text\n\nImpact\n\nInformation on the borrower(s) accounts was not received from the following vendor(s). Confirm\nthat the Report ID and borrower Social Security Number entered on the online loan application\nmatch those on the vendor report.\n\nDuplicate message\n\nReplaced with\nexisting message 3303\n\nBorrower | Vendor | Report ID\n\nA large deposit of $%a has been identified on the %a account of %a using asset account\ninformation. This amount has been included in the total amount of assets validated. Document\nthat these funds are from an acceptable source. Refer to the Fannie Mae Selling Guide for\nadditional information.\n\nReplaced with new\nmessage 3523\n\n3209\n\nThis loan casefile received an asset report that was not used for the following reason(s).\n\nDuplicate message\n\nBorrower | Vendor | Reference # | Reason\n\nReplaced with\nexisting message 3301\n\nRelease Support\n\nThe DU validation service changes will be implemented in the DU integration environment on or about March 18. Integration\npartners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation.\n\nIf you have questions about the Integration Impact Memo or if you require support specific to this release, contact Integration\nSupport. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae\nrepresentative.\n\nFannie Mae Confidential and Proprietary\n"}

chunks/json/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.json

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+{"chunk":{"char_end":219091,"char_start":217335,"chunk_id":"chk_62ec6b302d934e36","chunk_index":208,"chunk_sha256":"75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41","token_estimate":439,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"8.012\n\nConverted Area\n\n0300.0079\n\nConvertedAreaExistsIndicator\n\n… AND ConvertedAreaExistsIndicator = \"false\", display “None”\n\n8.013\n\nConverted Area and\nSimilarity to Rest of Living\nArea\n\n0300.0077\n\nConvertedAreaOriginalUseType\n\n0300.0076\n\nConvertedAreaFinishComparisonType\n\n… AND ConvertedAreaExistsIndicator = \"true\", display\nConvertedAreaOriginalUseType and ConvertedAreaFinishComparisonType in\nthe same cell separated by “|”\n\n− If multiple converted areas, display each ConvertedAreaOriginalUseType |\nConvertedAreaFinishComparisonType on a separate line. (Figure 8 - 2)\n\n8.014\n\nFactory Built Certification\n\n0300.0074\n\nFactoryBuiltCertificationExaminedIndicator\n\n… AND ConstructionMethodType = \"Modular\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nDisplay when ImprovementType = \"Dwelling” AND…\n\n8.015\n\nStructure Volume\n\n0300.0073\n\nStructureVolumeMeasure\n\n… AND Exists\n\nDwelling Exterior: General Information\n\n8.016\n\nWindow Surface Area\n\n0300.0071\n\nWindowSurfaceAreaMeasure\n\n… AND ImprovementComponentType = \"Windows\" AND Exists\n\nPage 157\n\n0300.0058\n\nAtticExistsIndicator\n\n8.017\n\nAttic\n\n0300.0107\n\nAccessibleForObservationIndicator\n\n0300.0108\n\nVisualObservationCompletedIndicator\n\n8.018\n\nRemaining Economic Life\n\n0300.0041\n\nEstimatedRemainingEconomicLifeYearsCount\n\n8.019\n\nEffective Age\n\n0300.0039\n\nEffectiveAgeYearsCount\n\n0300.0038\n0300.0037\n\nEffectiveAgeRangeLowYearsCount\nEffectiveAgeRangeHighYearsCount\n\n8.020\n\nCommentary on\nRemaining Economic Life\n\n0300.0040\n\nEstimatedRemainingEconomicLifeDescription\n\nDisplay “Attic” when ImprovementType = \"Dwelling\" AND\nGovernmentAgencyAppraisalIndicator = \"true\" AND\nStructuralDesignType <> \"Lowrise\" OR \"Midrise\" OR \"Highrise\"\n"}

chunks/json/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.json

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+{"chunk":{"char_end":29025,"char_start":27394,"chunk_id":"chk_dabaac7d018233d1","chunk_index":16,"chunk_sha256":"758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"22. How should Positive Rental History be reflected for an FHA loan in the loan application\n\nsubmission file?\n\nThe Total Scorecard payload will expect to receive an indicator (Y or N), where a value of “true” in the\nloan application file indicates at least one borrower has a documented positive rental history, according to\nthe FHA guidelines. A value of “false” in the loan application file indicates the lender has not\ndocumented a borrower’s positive rental history and does not necessarily indicate a poor rental history.\n\nThe GSEs created an extension under the existing QUALIFICATION container. The extension is a new\ncontainer and data point both documented under the ULAD Namespace. The new data point will be an\nindicator named PositiveRentalHistoryIndicator.\nThe Extension is located under the Subject Loan, and only one value is expected per loan.\n\n28\n\n23. A borrower has an investment property which is currently vacant. They are refinancing the\n\nproperty and need to show the P&I amount as negative income because there is no rent coming\nin. What fields from the DU Spec should be used to ensure the proper calculation of the Debtto-\nIncome (DTI) ratio, the current P&I amount, or the proposed P&I amount in this scenario?\n\nIn this scenario, DU is expecting the P&I that is proposed under the new loan terms. In the XML, the\npresent housing payment amount would be shown in either a LIABILITY_DETAIL container with\nLiabilityType=“MortgageLoan” or “HELOC” or in the LANDLORD_DETAIL container under\nMonthlyRentAmount.\n\nThe proposed housing expenses would be in the file as shown below in the HOUSING_EXPENSE\ncontainer:\n"}

chunks/json/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.json

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+{"chunk":{"char_end":2024,"char_start":1637,"chunk_id":"chk_2505a18df262987b","chunk_index":1,"chunk_sha256":"75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_285444ddb47537d9","text_sha256":"75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85","token_estimate":97,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-november-release-notes-nov-2-2020.pdf","below_target_min_tokens"]},"text":" The borrower’s Social Security Number on the loan application does not match the Social Security Number on the Tax\n\nTranscript.\n\nFor more information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Customer Management Solutions Team,\nand mortgage brokers should contact their DO sponsoring wholesale lender.\n\n© 2020 Fannie Mae 10.1.20 Page 1 of 1\n"}

chunks/json/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.json

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+{"chunk":{"char_end":81744,"char_start":79782,"chunk_id":"chk_8b604884d5e2da1a","chunk_index":45,"chunk_sha256":"7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0","token_estimate":491,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 35 of 166\n\nUAD 3.6 Policy\n\nRental Income from an ADU on the Subject Property\n\nRental income from an existing ADU can be used in qualifying with the following conditions:\n\n• one-unit principal residence only,\n\n•\n\nrental income from only one ADU allowed,\n\n• purchase or limited cash-out refinance transactions, and\n\n• qualifying rental income amount from the ADU is limited to 30% of the total qualifying income.\n\nAll other documentation and requirements contained in this topic apply.\n\nGeneral Requirements for Documenting Rental Income (Subject and Non-Subject Property)\n\nIf a borrower has a history of renting the subject or another property, generally the rental income will be reported on IRS Form\n1040, Schedule E of the borrower’s personal tax returns or on Rental Real Estate Income and Expenses of a Partnership or an S\nCorporation form (IRS Form 8825) of a business tax return. If the borrower does not have a history of renting the property or if, in\ncertain cases, the tax returns do not accurately reflect the ongoing income and expenses of the property, the lender may be\njustified in using a fully executed current lease agreement. Examples of scenarios that justify the use of a lease agreement are\n\n• purchase transactions where there is an existing lease on the property that will transfer to the borrower;\n•\n\nrefinance transactions where the borrower purchased the rental property during or subsequent to the last tax return\nfiling;\nrefinance transactions for a property that experienced significant rental interruptions causing income to not be reported\non the most recent tax return (for example, major renovation to a property occurred in the prior year that affected rental\nincome); and\ntransactions where rental income is being used to qualify for any property placed in service in the current calendar year,\nfor example, when converting a principal residence to an investment property.\n"}

chunks/json/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.json

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+{"chunk":{"char_end":144313,"char_start":142658,"chunk_id":"chk_c1b60af483795b3c","chunk_index":83,"chunk_sha256":"759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A privately owned docking point for boats or other watercraft. For use when the boat slip is a separate parcel.\n\nAn area specifically designed for vehicle storage. For use when the parking is a separate parcel.\n\nA room or area designed to secure personal belongings. For use when the storage is a separate parcel.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 56 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nZoning\n\n04 Site\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.008\n\nCompliance\n\nAlways required\n\n4.009\n\nClassification\nCode\n\n4.010\n\nClassification\nCode\nDescription\n\nRequired for all Zoning\nCompliance responses\nexcept No Zoning\n\nRequired for all Zoning\nCompliance responses\nexcept No Zoning\n\n4.011\n\nReasons Illegal\n\nRequired if Zoning\nCompliance is Illegal\n\n4.012\n\nImpact\n\n4.013\n\nRebuildable to\nCurrent Density\n/ Use\n\nRequired if Zoning\nCompliance is not\nLegal\n\nRequired for FHA,\nUSDA, and VA\nappraisals when\nZoning Compliance is\nLegal Nonconforming\n\nSite: Zoning\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom Definition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nZoning Compliance: The level of compliance of the site or improvements with\nzoning regulations.\n•\nIllegal\n•\nLegal\n•\nLegal Nonconforming (A permissible exception to current zoning\nordinances where the property was legally conforming when established\nbut no longer conforms with current zoning)\nNo Zoning (see also Property Restrictions (4.050-4.053), if applicable)\n\n•\n\nFree-form\n\nZoning Classification Code as defined by the local governing authority (e.g., R1).\n"}

chunks/json/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.json

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+{"chunk":{"char_end":111989,"char_start":110348,"chunk_id":"chk_60c1600711b7a05f","chunk_index":62,"chunk_sha256":"75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"6. Rate_Or_Payment_Change_Occurrences /\nRate_Or_Payment_Change_Occurrence\nUnlike all the containers ending in “Rule” discussed above, the data in this container is\nnot known at time of closing. Instead, the data points in the container capture the\nstatus or results of the execution of the rules. Because the execution of the rules\noccurs after the loan has closed, the RATE_OR_PAYMENT_CHANGE_OCCURRENCE\ncontainer is communicated in the “Current” LOAN container.\n\na. Convertible Loans: For convertible mortgages, the\nRATE_OR_PAYMENT_CHANGE_OCCURRENCE container communicates data about the\nexecution of the conversion option including the status of the conversion option, the\nlast date the conversion option was exercised, and the next date the conversion option\ncan be exercised.\n\nb. Adjustable Rate Loans: For ARMs, the\nRATE_OR_PAYMENT_CHANGE_OCCURRENCE container communicates data about the\nexecution of the specified AdjustmentRuleType, including values of index, interest\nrate, and the adjustment on the adjustment date, and the next rate adjustment date.\n\nc. Adjustable Payment Loans: For loans with adjustable payments, the\nRATE_OR_PAYMENT_CHANGE_OCCURRENCE container communicates data about the\nexecution of the specified AdjustmentRuleType, including values of the payment, next\npayment change date, and payment cap dates.\n\nd. Balloon Loans: For balloon loans that have exercised the reset option, the\nRATE_OR_PAYMENT_CHANGE_OCCURRENCE container must contain the\nBalloonResetDate.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n"}

chunks/json/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.json

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+{"chunk":{"char_end":18377,"char_start":16724,"chunk_id":"chk_07c46c25325bcaff","chunk_index":10,"chunk_sha256":"75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b","token_estimate":414,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"775000\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\nPurchase\n\nSubjectProperty\n\nTax Map ID: 2002-16-926997/A018821\n\nMarket\n\nSales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on Market for the settled sales were predominately in the 80 - 100 days range. Days on Market of current listings is trending higher than recent sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3 - 4 sales per month with a 4 - 5-month supply.\nThe XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller concessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was determined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.\n\nSiteViews\n\nPastoral with distant mountain view.\n\nEnergyEfficientAndGreenFeatures\n\nThe 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.\n\nSalesContract\n\nSales contract is a reasonable and a typical arm's length sale. A fully executed copy of the contract was provided by the lender and anlayzed by the appraiser.\n"}

chunks/json/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.json

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+{"chunk":{"char_end":603776,"char_start":601983,"chunk_id":"chk_9493cfba682ec27b","chunk_index":356,"chunk_sha256":"75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377","token_estimate":449,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field must indicate the month and year of the event indicated by field e-29. No\nintent to collect time or day in this field. If the value of field e-29 is ‘SettledSale’, then\nthe second instance of this field must indicate the month and year of the contract date.\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nData Format:\nmm/yy\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nFor settled sales, this field indicates whether or not the contract date is unknown (‘Y’\nindicates unknown, ‘N’ indicates known).\n\nBoolean\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n399\n\n3\n\n64\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time Adjustment\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='DateOfSale']/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n400\n\n3\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Overall Rating)\n\nGSE Overall\nLocation Rating\nType\n\nThe overall rating of the location\nassociated with the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_LOCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATIO\nN_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganiza\ntionName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION\n_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE\nOverallLocationRatingType\n"}

chunks/json/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.json

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+{"chunk":{"char_end":316355,"char_start":314647,"chunk_id":"chk_92135950e87e76f4","chunk_index":182,"chunk_sha256":"75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 28 of 30\nPage 28 of 30\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"}

chunks/json/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.json

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+{"chunk":{"char_end":297929,"char_start":295145,"chunk_id":"chk_78a2a3bcf01bbc5c","chunk_index":164,"chunk_sha256":"75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6","token_estimate":696,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 112 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-06, Community Land Trust Appraisal Requirements (06/04/2025)\n\nIntroduction\n\nThis topic contains information on special appraisal considerations for properties subject to a community land trust, including:\n\n• Appraiser Qualifications for Appraising Properties Located in a Community Land Trust\n• Requirements for Community Land Trust Appraisals\n• Comparable Selection Requirements for Determining Fee Simple Value\n• Determining the Capitalization Rate\n• Determining the Leasehold Value\n•\n\nLeasehold Value Requested Condition Commentary\n\nAppraiser Qualifications for Appraising Properties Located in a Community Land Trust\n\nThe lender must ensure that the appraiser is knowledgeable and experienced in the appraisal techniques, namely the direct\ncapitalization and the market derivation of capitalization rates, that are necessary to appraise a property subject to a leasehold\nestate held by a community land trust. Lenders must establish policies and procedures to ensure that qualified individuals are\nbeing selected in accordance with Fannie Mae requirements including the Appraiser Independence Requirements.\n\nRequirements for Community Land Trust Appraisals\n\nThe appraisal requirements for community land trust properties are as follows:\n\n•\n\n•\n\n•\n\nThe appraiser must analyze the property subject to the ground lease when a leasehold interest is held by a community\nland trust. Because the community land trust typically subsidizes the sales price to the borrower, that price may be\nsignificantly less than the market value of the leasehold interest in the property.\nThe appraised value of the leasehold interest in the property must be well supported and correctly developed by the\nappraiser because the resale restrictions, as well as other restrictions that may be included in the ground lease, can also\naffect the value of the property. Fannie Mae requires the Community Land Trust Ground Lease Rider, that the lender and\nthe borrower must execute, to remove such restrictions from the community land trust’s ground lease. The land records\nfor the subject property must include adoption of the terms and conditions that are incorporated in that ground lease\nrider. The appraiser must develop the opinion of value for the leasehold interest under the hypothetical condition that\nthe property rights being appraised are the leasehold interest without the resale and other restrictions that the ground\nlease rider removes when Fannie Mae has to dispose of a property acquired through foreclosure. (For additional\ninformation, see Selling Guide, Section B5-5.3, Shared Equity Transactions, for legal considerations.)\nThe appraiser must use a three-step process to develop an opinion of value.\n"}

chunks/json/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.json

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+{"chunk":{"char_end":25644,"char_start":23725,"chunk_id":"chk_56ef7c35fadf3b36","chunk_index":11,"chunk_sha256":"75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e","token_estimate":480,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 9 of 76\n\nSection V. Resources\n\nFigure I-1. Questions Answered by This Section.\n\n How do I get the most out of the User Guide?\n\nExplanations of how to use the V3.0 Reference Model and LDD in the context of the\nULDDS include examples from ULDDS Appendix A. The examples are called out\nthroughout the document in rounded text boxes:\n\nFigure I-2. Examples of Concepts in This Section.\n\nExample using excerpt from Reference Model, LDD, or ULLDS Appendix A.\n\nNotes: Reiterates the learning point from this example.\n\nIn some cases, an example is provided from the GSEs’ intended usage of a specific V3.0\nReference Model component. This detailed information is highlighted with the marginal\nsymbol:\n\nIN DEPTH\n\nThe User Guide contains the following sections:\n\nI. Introduction provides background on the Uniform Mortgage Data Program and its\nartifacts, and introduces the purpose of this User Guide.\n\nII. Source of the MISMO Standard provides a brief description of the MISMO\nOrganization and the participants.\n\nIII. Using the MISMO v3.0 Logical Data Dictionary describes how to use the spreadsheet-\nbased list of the components making up the V3.0 Reference Model. Excerpts from the\nloan delivery data set are used as examples.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 10 of 76\n\nSection I. Introduction\n\nIV. Using the MISMO V3.0 Reference Model explains how the XML-schema-based\nmessage model is constructed, providing detailed discussions of model building blocks\nand the relationships among them. In depth illustrations of more complex V3.0 Reference\nModel concepts are also provided. Excerpts from the loan delivery data set are used as\nexamples.\n"}

chunks/json/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.json

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+{"chunk":{"char_end":11999,"char_start":8687,"chunk_id":"chk_ba420d9fcdff6149","chunk_index":5,"chunk_sha256":"75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_917691af2170118f","text_sha256":"75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf","token_estimate":828,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Plain_Language_Report___U_S__FEDERAL_HOUSING_13zfde.md"]},"text":"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\n\nFilter 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\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/346&order=field_release_date&sort=asc) Report Attachment December 27, 2024 [Plain Writing Act Compliance Report - 2023](/reports/plain-language-report/2023) [Read Report](/document/plain-writing-act-compliance-report-2023) December 21, 2023 [Plain Writing Act Compliance Report - 2022](/reports/plain-language-report/2022) [Read Report](/media/51026) December 27, 2022 [Plain Writing Act Compliance Report - 2021](/reports/plain-language-report/2021) [Read Report](/media/30576) December 08, 2021 [Plain Writing Act Compliance Report - 2020](/reports/plain-language-report/2020) [Read Report](/document/plain-writing-act-compliance-report-2020) August 04, 2020 [Plain Writing Act Compliance Report - 2019](/reports/plain-language-report/2019) [Read Report](/document/plain-writing-act-compliance-report-2019) January 03, 2019 [Plain Writing Act Compliance Report - 2018](/reports/plain-language-report/2018) [Read Report](/document/plain-writing-act-compliance-report-2018) July 24, 2018 [Plain Writing Act Compliance Report - 2017](/reports/plain-language-report/2017) [Read Report](/document/plain-writing-act-compliance-report-2017) March 02, 2017 [Plain Writing Act Compliance Report - 2016](/reports/plain-language-report/2016) [Read Report](/media/25391) January 04, 2016 [Plain Writing Act Compliance Report - 2015](/reports/plain-language-report/2015) [Read Report](/media/30176) April 11, 2014 [Plain Writing Act Compliance Report - 2014](/reports/plain-language-report/2014) [Read Report](/media/24946) April 01, 2013 [Plain Writing Act Compliance Report - 2013](/reports/plain-language-report/2013) [Read Report](/media/24796)\n"}

chunks/json/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.json

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+{"chunk":{"char_end":5106,"char_start":3332,"chunk_id":"chk_6471262fef428cd7","chunk_index":2,"chunk_sha256":"760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21","token_estimate":486,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.md"]},"text":"- [Affordable Housing & Community Investment](/programs/affordable-housing)\n - [Duty to Serve](/programs/duty-to-serve)\n - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals)\n - [Financial Technology](/programs/fintech)\n - [Fraud Prevention](/programs/fraud-prevention)\n - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission)\n - [Loss Mitigation](/programs/loss-mitigation)\n - [National Mortgage Database](/programs/nmdb)\n - [Natural Disaster Risk](/programs/natural-disaster-risk)\n - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative)\n - [Suspended Counterparty Program](/regulation/suspended-counterparty-program)\n - Data & Research [Data](/data)\n\n- [Borrower Assistance Map](/data/dashboard/borrower-assistance-map)\n - [Conforming Loan Limit](/data/conforming-loan-limit)\n - [Dashboards](/data/dashboard)\n - [Data Governance](/data/data-governance-resources)\n - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data)\n - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data)\n - [​Enterprise Housing Goals](/data/enterprise-housing-goals)\n - [​Fair Lending Data](/data/fair-lending)\n - [FHFA House Price Index®](/data/hpi)\n - [FHLB Membership Data](/data/fhlb-membership)\n - [NMDB® Aggregate Statistics](/data/nmdb)\n - [NSMO Public Use File](/data/nsmo)\n - [Public Use Databases](/data/pudb)\n - [FHLB Stress Tests](/data/fhlb-stress-tests)\n - [Market Data](/data/market-data)\n - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios)\n - [MIRS Transition Index](/data/mirs)\n - [UAD Appraisal-Level Public Use File](/data/uad/puf)\n - [UAD Aggregate Statistics](/data/uad)\n - [Underserved Areas Data](/data/underserved-areas)\n"}

chunks/json/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.json

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+{"chunk":{"char_end":10565,"char_start":8779,"chunk_id":"chk_79a662c92ccc586a","chunk_index":5,"chunk_sha256":"760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_48d996c17b5aede9","text_sha256":"760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d","token_estimate":465,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Education_Materials___FHFA_c9gk27l.md"]},"text":"Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD). You can find a list of HUD-approved housing counseling agencies at [www.hud.gov/counseling.](https://www.hud.gov/counseling)​\n\n- Select \"housing counseling agency\" near you, then select your state. To locate housing counseling agencies in your area that speak your language, select \"Click here to narrow your search\" and select a language, or\n - Call HUD at 800-569-4287 for help in finding a counselor.\n Housing counselor information is also available at [www.consumerfinance.gov/find-a-housing-counselor.](http://www.consumerfinance.gov/find-a-housing-counselor)\n\n- ## Buying a Home\n\nImage\n\n![Family in front of home with sold sign](/sites/default/files/styles/landscape_medium_408_x_228_/public/images-import/GettyImages-135060831-latino-family-in-front-of-home-with-sold-sign.jpg?h=e59d0bbd&itok=t583uvF5)\n\n#### Shop for a Home\n\n- [CFPB: Ready to Buy a Home?](/mortgage-translations/document/cfpb-ready-to-buy-a-home)\n\n#### Shop for a Mortgage or Refinance\n\n- [Your Step-by-Step Mortgage Guide: From Application to Closing](/mortgage-translations/document/step-by-step-mortgage-guide-from-application-to-closing)\n - [CFPB: Your Home Loan Toolkit](/mortgage-translations/document/cfpb-your-home-loan-toolkit)\n - [CFPB: Shopping for a mortgage (Booklet)](/mortgage-translations/document/cfpb-shopping-for-a-mortgage)\n - [CFPB: Have a mortgage? (Booklet)](/mortgage-translations/document/cfpb-have-a-mortgage-booklet)\n - [CFPB: Should I refinance?](/mortgage-translations/document/cfpb-should-i-refinance)\n - [CFPB: Considering a Reverse Mortgage?](/mortgage-translations/document/cfpb-considering-a-reverse-mortgage)\n"}

chunks/json/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.json

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+{"chunk":{"char_end":3802,"char_start":1602,"chunk_id":"chk_eb20b02a051badb3","chunk_index":1,"chunk_sha256":"7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_058d4980d2495702","text_sha256":"7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5","token_estimate":550,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report without Report Field IDs v1.2.pdf"]},"text":"Yes No\nHas the market value of the subject property decreased since the effective date of the original appraisal?  \n\nAppraisal Update Commentary\n\nAppraisal Update Exhibits\n\nAssignment Information\n\nBorrower Name\n\nContact Information\n\n[Role]/[Role]\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nAppraiser 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\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nSignificant Real Property Appraisal Assistance\n\nName\n\nDescription\n\nAssignment Information and Scope of Work Commentary\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nAppraiser 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\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the\nintended use, the definition of market value as defined in the Uniform Residential Appraisal Report, the effective date, the subject property\nand its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate\nand reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area\nincluding data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}

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+{"chunk":{"char_end":1252744,"char_start":1251094,"chunk_id":"chk_674f733fbcca82cb","chunk_index":743,"chunk_sha256":"7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Income Analysis\nComment\n\nProject Developer\nControls Project\nManagement\nIndicator\nProject Developer\nControls Project\nManagement\nIndicator\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 205 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n425\n\n426\n\n427\n\n428\n\n429\n\n430\n\n431\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n46\n\n47\n\n48\n\n49\n\n50\n\n51\n\n52\n\nPROJECT\nINFORMATION\n\nPUD\nLegal name of project\n\nProject Name\n\nThe name of the project in which subject\nproperty is located (e.g., the name of the\ncondominium or cooperative).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name\n\n100\n\nString\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of phases\n\nDevelopment Stage\nTotal Phases Count\n\nNumber of phases that exist in the\nproject.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S\nTAGE/@_TotalPhasesCount\n\n10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of units\n\nCompleted Units\nCount\n\nTotal number of completed living units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S\nTAGE/@CompletedUnitsCount\n\n10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of units sold\n\nUnits Sold Count\n\nTotal number of living units sold.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S\nTAGE/@UnitsSoldCount\n\n10\n\nNumeric\n\nPROJECT\nINFORMATION\n\nPUD\nTotal number of units rented\n\nUnits Rented Count Total number of living units rented.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S\nTAGE/@UnitsRentedCount\n"}

chunks/json/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.json

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+{"chunk":{"char_end":180778,"char_start":179138,"chunk_id":"chk_d28e18e52d5cd58a","chunk_index":105,"chunk_sha256":"7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Definition / Additional Guidance\n\nThe type(s) of non-residential use observed on the property.\n•\n•\n\nAgricultural\nCommercial (e.g., retail, day care, elder care, beauty or barber shop,\ndoctor’s office)\n•\nIndustrial\n•\nOther (Describe)\nNote: Redisplays from 4.017.\n\n4.045\n\n4.046\n\nNon-Residential\nProperty Use\n(Impact)\n\nNon-Residential\nProperty Use\n(Comment)\n\nRequired if Non-\nResidential Use is Yes\n\nRequired if Non-\nResidential Use is Yes\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nHazard Zone\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information.\n\nThe appraiser must report all Hazard Zones that impact the subject property in this section. Examples such as\nFlood Zones and Lava Flow Zones are predefined and must be reported using the available selections. Select\nOther (Describe) to identify any zones that impact the subject property that are not predefined.\n\nThe Hazard Zone row always displays in the Site Features table.\n\nReport\nField ID\n\n4.047\n\nReport Label\n\nWhen to Include\n\nHazard Zone\n(Detail)\n\nAlways required\n\n4.047\n\nHazard Zone\n(Detail)\n\nRequired if Hazard\nZone is USGS Lava\nFlow Zone\n\nSite: Site Features - Hazard Zone\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nUSGS Lava Flow\nZone 1 to 9\n\nDefinition / Additional Guidance\n\nHazard Zone: The geographic area, as specified by a government entity,\ndocumenting a potential risk to the property.\n•\nFEMA Special Flood Hazard Area\n•\nUSGS Lava Flow Zone\n•\nNone (No Hazard Zone Noted)\n•\nOther (Describe)\n"}

chunks/json/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.json

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+{"chunk":{"char_end":160817,"char_start":158842,"chunk_id":"chk_e1452dc3f5bd26a2","chunk_index":90,"chunk_sha256":"76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca","token_estimate":494,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Verification of Completion: Existing Construction\n\nLenders must review the appraisal and/or the property data collection to ensure the property does not have a defect, damage, or\ndeficiency affecting the soundness or structural integrity of the subject property. Any defect, damage, or deficiency must be\nitemized within the appropriate section of the URAR or property data collection. See SB4-1.3-06, Dwelling Condition and Quality\nof Construction, for information concerning property condition and quality of construction ratings.\n\nThe tables below provide requirements related to existing construction that have minor conditions or deferred maintenance\nitems that may or may not affect the soundness or structural integrity of the property.\n\nRequirements for Existing Construction\n\n✓\n\nWhen There are Minor Conditions or Deferred Maintenance Items that Do Not Affect the Soundness or\nStructural Integrity of the Property\n\nWhen the appraisal indicates the existence of minor conditions or deferred maintenance (defect, damage, or\ndeficiency) that do not affect the soundness or structural integrity of the property, these items must be reflected\nin the appraiser's opinion of value and the appraisal report must be completed \"as-is.\" Items meeting these\ncriteria require the appraiser to report and comment on the effect these items may have on the subject\nproperty's value and marketability. The lender will then evaluate and determine if any additional course of\naction is required to comply with Fannie Mae’s soundness and structural integrity requirements. Minor\nconditions and deferred maintenance items include, but are not limited to, worn floor finishes or carpet, minor\nplumbing leaks, holes in window screens, missing handrails, or cracked window glass and are typically due to\nnormal wear and tear. The lender is not required to ensure that the borrower has had these items repaired prior\nto sale of the loan to Fannie Mae when the appraisal is completed \"as-is.\"\n"}

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+{"chunk":{"char_end":44690,"char_start":43084,"chunk_id":"chk_81447ab965479d4f","chunk_index":26,"chunk_sha256":"7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1073/465\n\nINSTRUCTION\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1073/465\n\nINSTRUCTION\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1073/465\n\nINSTRUCTION\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nGeneral Description - # of Stories, # of\nElevators, Existing/Proposed/Under\nConstruction, Year Built\nIf the project includes more than one building,\nthe appraiser should enter data for the building\nin which the subject unit is located.\n\nReporting Format:\n# of Stories – See requirements in\nImprovements section\n # of Elevators Numeric, whole numbers only\nExisting/Proposed/Under Construction –\nCheckbox designated with an ‘x’\nOnly one selection is permitted\n Year Built – See requirements in\nImprovements section\nEstimation of Year Built – See requirements in\nImprovements section\n\nIs the developer/builder in control of the\nHomeowners’ Association (HOA)?\nFor condominiums, the appraiser must select\n‘Yes’ or ‘No’ in response to the question, “Is\nthe developer/builder in control of the\nHomeowners’ Association (HOA)?” located in\nthe Project Information section.\n\nReporting Format:\nIs the developer/builder in control of the\nHomeowners’ Association (HOA)? –\nCheckbox designated with an ‘x’\n\nIs there any commercial space in the\nproject? If Yes, describe and indicate the\noverall percentage of the commercial\nspace.\n\nThe appraiser must select either ‘Yes’ or ‘No’\nto indicate whether there is commercial space\nin the project. If ‘Yes’ is indicated, the\nappraiser must enter the overall percentage of\ncommercial space in the project in which the\nsubject property is located.\n"}

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