diff --git a/chunks/json/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.json b/chunks/json/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.json new file mode 100644 index 0000000000000000000000000000000000000000..0c207647f69a8aba24ad502c4dc2a604c200931c --- /dev/null +++ b/chunks/json/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_1e304f934b7f7eec","chunk_index":0,"chunk_sha256":"7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_45753584634b0048","text_sha256":"7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/_Examiner_Resources___FHFA_5yn2di.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/examiner-resources\"\ndate_accessed: \"2026-01-27T17:54:20.416Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.json b/chunks/json/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.json new file mode 100644 index 0000000000000000000000000000000000000000..30b6829deb47923d5cdc3107ba45a48d9c7aaa7c --- /dev/null +++ b/chunks/json/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3206,"char_start":1606,"chunk_id":"chk_6fcd84fca78bf56f","chunk_index":1,"chunk_sha256":"7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_942dc51a34ab6d40","text_sha256":"7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-april-20-2024.pdf"]},"text":"DU Spec Update\n\nUnique ID Form Field ID Form Field Name Data Point Name DU Supported Enumerations\n\nImplementation Notes\n\n3.0001\n\nL3.1\n\nMortgage Type\nApplied For\n\nMortgageType\n\nConventional\nFHA\nUSDARuralDevelopment\nVA\n\nUSDARuralDevelopment\nenumeration is not\nsupported.\n\n© 2024 Fannie Mae.\n\n02.22.24\n\n1 of 3\n\nDU_UNDERWRITE_RESPONSE\n\nXIS Control Output (CO), STATUS Element\n\nAttribute\n\nFormat\n\nValue\n\nDescription\n\n_Condition\n\nString\n\nFAILURE\n\n_Name\n\nString\n\nSBAWF1.3\n\nSystem error returned in the XIS Control Output (CO) response\nfile if the DU loan application submission file fails Schema or\nLoan-Level File Validation.\n\n_Description\n\nString\n\nLoan Validation Error\n\nRelated error message(s) returned in the MP_STATUS_LOG\n\n_Code\n\nString\n\n321\n\nSample\n\nContent-Disposition: form-data; name=\"CO\"; filename=\"CO\"\n\n\n\n\n\n\n\n\n\nMP_STATUS_LOG\nContains detailed error messages including Schema Validation, Loan Application Data, Credit, and Underwriting Checklist\nerrors.\n\nSection\n\nDescription\n\nLoan Application Data Errors\n\nERROR – USDA Rural Development loans are not supported. Resubmit as another\nmortgage type, if applicable. If assistance is still required, contact Fannie Mae\nTechnology Support (1-800-2FANNIE).\n\nSample\n\nContent-type: text/plain; charset=UTF-8\n\nContent-Disposition: form-data; name=\"MP_STATUS_LOG\"; filename=\"MP_STATUS_LOG\"\n\n--------------------------------------------------------------------------------\n"} diff --git a/chunks/json/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.json b/chunks/json/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.json new file mode 100644 index 0000000000000000000000000000000000000000..a9528468f68f66c3a815f22a7db8875205154f79 --- /dev/null +++ b/chunks/json/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18657,"char_start":15609,"chunk_id":"chk_807019ec5752da61","chunk_index":8,"chunk_sha256":"744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8a75c4200dbccd53","text_sha256":"744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934","token_estimate":801,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Annual_Report_to_Congress___U_S__FEDERAL_HOUSING_5kmm5t.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/181\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/reports\\/annual-report-to-congress\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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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"} diff --git a/chunks/json/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.json b/chunks/json/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.json new file mode 100644 index 0000000000000000000000000000000000000000..8fa2bbf3aecde53a675b53b51c431132826ef8a6 --- /dev/null +++ b/chunks/json/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.json b/chunks/json/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.json new file mode 100644 index 0000000000000000000000000000000000000000..b1d8ea334a82fcc2d713072f94afca0b6b4e3c02 --- /dev/null +++ b/chunks/json/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.json b/chunks/json/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.json new file mode 100644 index 0000000000000000000000000000000000000000..78787b9009e5a414f17c6902b08b1bdeb1b215a2 --- /dev/null +++ b/chunks/json/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.json b/chunks/json/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.json new file mode 100644 index 0000000000000000000000000000000000000000..294182e1753abe9fac365aa9f417c5121dd7024d --- /dev/null +++ b/chunks/json/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.json b/chunks/json/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.json new file mode 100644 index 0000000000000000000000000000000000000000..099f7b373c6064a6dd4a8557f6362e9760901cbe --- /dev/null +++ b/chunks/json/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.json b/chunks/json/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.json new file mode 100644 index 0000000000000000000000000000000000000000..e3dceabe7365a949fcb0ce4a7aa72c6f69672041 --- /dev/null +++ b/chunks/json/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.json b/chunks/json/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.json new file mode 100644 index 0000000000000000000000000000000000000000..abc4e7d9fade367629c3d3f5f8942108b29f9949 --- /dev/null +++ b/chunks/json/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.json @@ -0,0 +1 @@ +{"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\n…\n \n\n\n \n\n\n\n\n \n\n\n\nfalse\n 240000.00\n"} diff --git a/chunks/json/74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990.json b/chunks/json/74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990.json new file mode 100644 index 0000000000000000000000000000000000000000..e40a82af60bb36b4930f59f52d27303ba5a48803 --- /dev/null +++ b/chunks/json/74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8.json b/chunks/json/74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8.json new file mode 100644 index 0000000000000000000000000000000000000000..8b64eb6b9ad112f3049a8945fc710ab11b36c644 --- /dev/null +++ b/chunks/json/74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.json b/chunks/json/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.json new file mode 100644 index 0000000000000000000000000000000000000000..ffa979b0012681aa6cd086633000a55dc892661d --- /dev/null +++ b/chunks/json/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7.json b/chunks/json/74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7.json new file mode 100644 index 0000000000000000000000000000000000000000..54479684fcb9d608b5ebdde54928f1415b2a6c60 --- /dev/null +++ b/chunks/json/74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea.json b/chunks/json/74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea.json new file mode 100644 index 0000000000000000000000000000000000000000..628a9a3a66e278efbdf6ecff667259d7ad0e06f8 --- /dev/null +++ b/chunks/json/74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8.json b/chunks/json/74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8.json new file mode 100644 index 0000000000000000000000000000000000000000..8ab1be5f542f28c2a9c1ee02cc8337b4c267ed5d --- /dev/null +++ b/chunks/json/74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa.json b/chunks/json/74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa.json new file mode 100644 index 0000000000000000000000000000000000000000..9afd4a59deb93670c5d708de87b1c60184f16a02 --- /dev/null +++ b/chunks/json/74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea.json b/chunks/json/7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea.json new file mode 100644 index 0000000000000000000000000000000000000000..53b7985a7f9428f7961762bfdd7a760645831617 --- /dev/null +++ b/chunks/json/7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6502,"char_start":4883,"chunk_id":"chk_7d50e52230c6923d","chunk_index":3,"chunk_sha256":"7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"DwellingFront\n\n\\\\Images\\2-4_Dwelling2Front.png\n\nimage/png\n\nHazard Zone - USGS Lava Flow Zone\n\nSiteExhibit\n\n\\\\Images\\2-4_USGSLavaFlowMap.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\2-4_Dwelling1Rear.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\2-4_Dwelling2Rear.png\n\nimage/png\n\n[Photo Caption Displays Here]\n\nSupplementalExhibit\n\n\\\\Images\\2-4_Supplemental.png\n\nimage/png\n\n2019-10-05\n\nPhysical\n\nPhysical\n\nNoInspection\n\nNoInspection\n\n0\n\ntrue\n\n0\n\n160000\n\nPending\n\nForSaleByOwner\n\n25.165173\n\n-51.328125\n\nThe subject market is roughly bounded by Keaau and Hawaii State parkland to the north, the Pacific Ocean to the east and the south, and State Route 130 to the west.\n\n12\n\nClosing dates between 09/1/2018-09/1/2019 and bounded by Keaau and Hawaii State parkland to the north, the Pacific Ocean to the east and the south, and State Route 130 to the west.\n\n7\n\n739000\n\n234900\n\n148\n\n352000\n\nActiveListings\n\n1\n\nPendingSales\n\n10\n\n620000\n\n200500\n\n403230\n\nTotalSales\n\nThreeToSixMonths\n\nInBalance\n\nfalse\n\nAn analysis of the sales in the past year for the subject's market area shows sales volume to be consistent across the year. Supply and demand are in balance and the absorption rate is typical of historical trends. The market in the subject area is considered to be stable.\n\nHawaiian Vista\n\nLot 4, Block 35, Hawaiian Vista\n\n11997\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n\n3-1-5-067-055\n\n2\n\nOutdoorShower\n\nWaterFeatures\n\nRoof\n\nfalse\n\nRust noted on the roof. Metal galvanized roofs can deteriorate when rust forms. No ruptures or leaks noted at the time of inspection.\n\nOther\n\nEntire Roof\n\nNone\n\n\\\\Images\\2-4_Dwelling1RoofDefect.png\n"} diff --git a/chunks/json/75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6.json b/chunks/json/75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6.json new file mode 100644 index 0000000000000000000000000000000000000000..449ac1c57bb45722d0eff1abb4f8eeb5b7afe889 --- /dev/null +++ b/chunks/json/75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.json b/chunks/json/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.json new file mode 100644 index 0000000000000000000000000000000000000000..9d5ed8e94e0393fb7f9cf9e6c36752b904b11b18 --- /dev/null +++ b/chunks/json/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27252,"char_start":26780,"chunk_id":"chk_78ff042d07dbcfce","chunk_index":36,"chunk_sha256":"75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540","token_estimate":433,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Ownership Rights ..................................................................................................................................................................................................................... 110\n\nLegal Description ...................................................................................................................................................................................................................... 111\n"} diff --git a/chunks/json/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.json b/chunks/json/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.json new file mode 100644 index 0000000000000000000000000000000000000000..d72b66a482e88c40d43d0a0ed50d209423016444 --- /dev/null +++ b/chunks/json/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.json b/chunks/json/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.json new file mode 100644 index 0000000000000000000000000000000000000000..27848cf190457f1907653ccee6e3ce8dac7adcc0 --- /dev/null +++ b/chunks/json/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e.json b/chunks/json/752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e.json new file mode 100644 index 0000000000000000000000000000000000000000..41273cd8929c7980be5a39954eca60f9ee80c49c --- /dev/null +++ b/chunks/json/752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1607,"char_start":0,"chunk_id":"chk_5df0126734b5f7fb","chunk_index":0,"chunk_sha256":"752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"PhysicalMeasurement\n\nRealEstateAgent\n\nMLS\n\nAssessorRecord\n\nExteriorInspection\n\n123456\n\nMLS\n\n33A245\n\nMLS\n\n678A12\n\nMLS\n\nMLS\n\n123 Falling Tree Ct\n\nTreeville\n\nArboreal\n\n12345\n\nVA\n\nDriveway\n\nAsphalt\n\n2\n\nfalse\n\n\\\\Images\\SF1_Garage.png\n\nimage/png\n\n460\n\nBuiltIn\n\nGarage\n\n2\n\n\\\\Images\\SF1_Garage.png\n\nimage/png\n\nWalk Out\n\nBelow Grade Exterior Access\n\nSalesComparableAdditionalAdjustableComparisonItem\n\nNone\n\ntrue\n\nfalse\n\nfalse\n\nNeutral\n\nHERS\n\nRESNET\n\n62\n\nNone\n\nNone\n\n34\n\nMonthly\n\nAssociationDues\n\nNone\n\nAssociationSpecialAssessment\n\nNone\n\nfalse\n\ntrue\n\ntrue\n\nDwelling\n\nfalse\n\n2004\n\nfalse\n\nShower\n\nThe shower has been modified.\n\nCarpet\n\nOriginal carpet, stained in one corner in the Dining Room.\n\nDamagedAndFunctional\n\nThroughout all bedrooms and living areas.\n\nCeramicTile\n\nTypicalWearAndTear\n\nAll baths.\n\nEngineeredWood\n\nTypicalWearAndTear\n\nThroughout finished below grade area.\n\nHardwood\n\nTypicalWearAndTear\n\nKitchen and Hallways.\n\nFlooring\n\nNotUpdated\n\nTypicalWearAndTear\n\nCathedral ceiling in bedroom, 2 story family room, coffered ceiling in media room. 9 foot ceiling in 1st level.\n\nWallsAndCeiling\n\nEightFeet\n\nNineFeet\n\nTenFeetAndAbove\n\nTwoOrMoreStories\n\nCathedral\n\nCoffered\n\nFlat\n\nInteriorAndExteriorAccess\n\nWalkOut\n\nPartiallyBelowGrade\n\n1300\n\nBelowGradeOne\n\n230\n\nAboveGrade\n\n1470\n\nLevelOne\n\n0\n\nAboveGrade\n\n1532\n\nLevelTwo\n\n0\n\n0\n\n230\n\n0\n\n0\n\n3002\n\n1300\n\nfalse\n\n5\n\n3\n\n1\n\nC4\n\nQ4\n\n3\n\nModeratelyUpdated\n\nSimilar\n\ntrue\n\nOwnerOccupied\n\nThe below grade area has a custom finished wet bar including wood cabinets and countertops. Media room has custom cabinetry for speakers and media devices.\n\n\\\\Images\\SF1_HalfBath.png\n"} diff --git a/chunks/json/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.json b/chunks/json/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.json new file mode 100644 index 0000000000000000000000000000000000000000..67356319c7366443dea0bceef24b56b75252e605 --- /dev/null +++ b/chunks/json/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28.json b/chunks/json/7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28.json new file mode 100644 index 0000000000000000000000000000000000000000..59698cd6da701e193750686a1954ba2cc198725e --- /dev/null +++ b/chunks/json/7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32783,"char_start":31186,"chunk_id":"chk_fc42eda0544f3add","chunk_index":19,"chunk_sha256":"7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Engineered Wood\n\nQ5\n\nQ5\n\nQ5\n\nWood\n\nQ4\n\nEngineered Wood\n\nBuilding 1\n\nBuilding 1\n\nBuilding 1\n\nBuilding 1\n\nPost and Pier\n\nPost and Pier\n\nPost and Pier\n\nMetal\n\nC4\n\nMetal\n\nC4\n\nMetal\n\nC4\n\nSlab\n\nMetal\n\nC4\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNew or Like New\n\nNew or Like New\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nBuilding 2\n\nBuilding 2\n\nBuilding 2\n\n—\n\nExterior Walls and Trim\n\nEngineered Wood\n\nEngineered Wood\n\nQ5\n\nQ4\n\nPost and Pier\n\nMetal\n\nC4\n\nSlab\n\nMetal\n\nC4\n\nQ5\n\nWood\n\nPost and Pier\n\nMetal\n\nC4\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNew or Like New\n\nNew or Like New\n\nTypical Wear and Tear\n\nFoundation\n\nRoof\n\nCondition\n\nRoof\n\nWindows\n\nInterior Quality and Condition\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nQ5\n\nBasic\n\nBasic\n\nStandard\n\nC4\n\nNot Updated\n\nQ5\n\nBasic\n\nBasic\n\nStandard\n\nC4\n\nNot Updated\n\nModerately Updated\n\nModerately Updated\n\nFully Updated\n\nFully Updated\n\nQ5\n\nBasic\n\nBasic\n\nQ4\n\nStandard\n\nStandard\n\nStandard\n\nStandard Dry Wall | Vaulted\n\nC4\n\nNot Updated\n\nNot Updated\n\nFully Updated\n\nC4\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nStructure ID | Unit ID\n\nBuilding 2 | Unit 2\n\nBuilding 2 | Unit 2\n\nBuilding 2 | Unit 2\n\nBuilding 1 | Unit 2\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nQ5\n\nStandard\n\nBasic\n\nStandard\n\nC4\n\nQ4\n\nStandard\n"} diff --git a/chunks/json/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.json b/chunks/json/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.json new file mode 100644 index 0000000000000000000000000000000000000000..e2a329a8397606f789f5b6d9d918923dc29707d9 --- /dev/null +++ b/chunks/json/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.json b/chunks/json/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.json new file mode 100644 index 0000000000000000000000000000000000000000..647065fb7e4379af323e4aa555e60f4699e3c327 --- /dev/null +++ b/chunks/json/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.json b/chunks/json/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.json new file mode 100644 index 0000000000000000000000000000000000000000..4e4866c4c456580381dea541ddd045208e13504c --- /dev/null +++ b/chunks/json/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.json b/chunks/json/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.json new file mode 100644 index 0000000000000000000000000000000000000000..5897bce56650e97eaf02afe55e0ed052fe0869fe --- /dev/null +++ b/chunks/json/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.json b/chunks/json/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.json new file mode 100644 index 0000000000000000000000000000000000000000..6845dfd70c9380aa5b3222c7d66bb2a8a9ca4393 --- /dev/null +++ b/chunks/json/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.json b/chunks/json/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.json new file mode 100644 index 0000000000000000000000000000000000000000..1c5788bf05c00e785c6d831373a9c08d879bfc6c --- /dev/null +++ b/chunks/json/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.json b/chunks/json/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.json new file mode 100644 index 0000000000000000000000000000000000000000..b9e908dfa3ee61bc9e83a7a0b5181b5a17143bd3 --- /dev/null +++ b/chunks/json/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.json b/chunks/json/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.json new file mode 100644 index 0000000000000000000000000000000000000000..52a5cd359f80af47ea47737fde0b5ba786f5db70 --- /dev/null +++ b/chunks/json/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.json b/chunks/json/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.json new file mode 100644 index 0000000000000000000000000000000000000000..0f166c6864d5d8f9c8156dd8c587d623447d9671 --- /dev/null +++ b/chunks/json/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.json b/chunks/json/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.json new file mode 100644 index 0000000000000000000000000000000000000000..a245f98ef95747421e9364b6511ad86b7b82408f --- /dev/null +++ b/chunks/json/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.json b/chunks/json/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.json new file mode 100644 index 0000000000000000000000000000000000000000..cc865eada01b8669929d4b30df8912ea808cdda9 --- /dev/null +++ b/chunks/json/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.json b/chunks/json/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.json new file mode 100644 index 0000000000000000000000000000000000000000..dccc426e9f409ac73030432d800ceb903ecc2777 --- /dev/null +++ b/chunks/json/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.json b/chunks/json/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.json new file mode 100644 index 0000000000000000000000000000000000000000..6d8628fad20046a984e34650c8742f269d1626bd --- /dev/null +++ b/chunks/json/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.json b/chunks/json/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.json new file mode 100644 index 0000000000000000000000000000000000000000..7e3d3438c56e53b5690e4f14e4405fb6f4d9166b --- /dev/null +++ b/chunks/json/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.json b/chunks/json/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.json new file mode 100644 index 0000000000000000000000000000000000000000..c9a30ac7f5a06098e5ff26a569d35e743c84c875 --- /dev/null +++ b/chunks/json/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.json b/chunks/json/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.json new file mode 100644 index 0000000000000000000000000000000000000000..5a57a362bce6672d71845953ff51fd663c884cf3 --- /dev/null +++ b/chunks/json/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b.json b/chunks/json/7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b.json new file mode 100644 index 0000000000000000000000000000000000000000..70dd1ffc9e7c220d5403230fabab64a7761753c6 --- /dev/null +++ b/chunks/json/7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.json b/chunks/json/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.json new file mode 100644 index 0000000000000000000000000000000000000000..24d68d2c6c9102f38779d6382568c8f8f56ff4c3 --- /dev/null +++ b/chunks/json/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.json b/chunks/json/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.json new file mode 100644 index 0000000000000000000000000000000000000000..38757da76a85ae462bcc1851fc3977cd4a0b6c43 --- /dev/null +++ b/chunks/json/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b.json b/chunks/json/7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b.json new file mode 100644 index 0000000000000000000000000000000000000000..93f51c9cce0a13ca19d6cc9ddb85fe2d66eb528d --- /dev/null +++ b/chunks/json/7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49.json b/chunks/json/764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49.json new file mode 100644 index 0000000000000000000000000000000000000000..df7ec26cce16cfe79ec6f932cfde26fb5df2c90b --- /dev/null +++ b/chunks/json/764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16732,"char_start":13620,"chunk_id":"chk_ca83948020833a9a","chunk_index":7,"chunk_sha256":"764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4580f1573ff8d25b","text_sha256":"764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49","token_estimate":789,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Suspended_Counterparty_Program___FHFA_jjvnra.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/11506\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUdFuxCAM-yFaPgmF4nbsgFQkXK_7-tH2Jk26nfYSiO0I7Hioojo8VhYEN8fUW7HUlJ00n6Ma_7dkQUGlZHyir936yCN90sNMXGEnzisXFJVx_phpGGbmPvSG_EDlN9RKCwaNmnAJQm0rpVHJJwhXNXhoiuX2Qzxbc0xbZIpp6C5kqnHVyOXCl8SeOqF71y4XJk1WlND9TdzK4XelqhHiUhQ9NS5Hmez5r-ONISNEGnpRk2jnpi50Ad9Rd9tNTJyM7KLI1pPANNmCuONq50oZG9ebuUdsYs96xfcbyBxaN342LpDSuYOq9gUxG_zMNdvnOSIh9xjHAO0ZyCh0x78i5WVJ72UZIn0dL_xRvgHRWOMJ\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/suspended-counterparties-list\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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Ceilings\n\nC4\n\nPartially Updated\n\nModerately Updated\n\nModerately Updated\n\nCarpet, Vinyl\n\nCarpets, Tile, Hardwood\n\nCarpets, Tile, Hardwood\n\n8 Ft. Ceilings\n\nStandard 8-9 Ft. Ceilings\n\nStandard 8-9 Ft. Ceilings\n\nC3\n\nFully Updated\n\nFully Updated\n\nFully Updated\n\nC4\n\nFully Updated\n\nNot Updated\n\nC4\n\nPartially Updated\n\nModerately Updated\n\nModerately Updated\n\nModerately Updated\n\nADU Interior Quality and Condition\n\nLocation of ADU\n\nQuality\n\nCondition\n\nDwelling\n\nDwelling\n\nDwelling\n\nADU/Garage\n\nQ4\n\nC4\n\nQ4\n\nC3\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nQ4\n\nC4\n\nQ4\n\nC3 $(45,000)\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nDeck | Deck | Patio | Porch\n\nDeck | Patio\n| Porch\n\n$5,000\n\nDeck | Deck |\nPatio | Porch\n\nDeck | Patio\n\n$10,000\n\nWater Features\n\nInground Pool - Diving Board\n\n— $20,000\n\nInground Pool\n\n$0\n\nInground Pool -\nDiving Board\n\nVehicle Storage\n\nType | Spaces | Detail\n\nCarport | 2 | Detached\n400 Sq. Ft.\nDriveway | 4 | Asphalt\nGarage | 2 | Attached\n528 Sq. Ft.\n"} diff --git a/chunks/json/765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546.json b/chunks/json/765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546.json new file mode 100644 index 0000000000000000000000000000000000000000..4dbb68cb223097ce36fa29d134069c2d03daa068 --- /dev/null +++ b/chunks/json/765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12346,"char_start":9803,"chunk_id":"chk_577324e503df0249","chunk_index":5,"chunk_sha256":"765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_feefb2b116bd5df7","text_sha256":"765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546","token_estimate":706,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Annual_Performance_Plan___U_S__FEDERAL_HOUSIN_nwzhtb.md"]},"text":"Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/251&order=field_release_date&sort=asc) Report Attachment September 30, 2024 [Annual Performance Plan - FY 2025](/reports/fhfa-annual-performance-plan/2025) [Read Report](/document/fhfa-annual-performance-plan-fy-2025) October 05, 2023 [Annual Performance Plan - FY 2024](/reports/fhfa-annual-performance-plan/2024) [Read Report](/media/51621) October 14, 2022 [Annual Performance Plan - FY 2023](/reports/fhfa-annual-performance-plan/2023) [Read Report](/document/FY2023_APP.pdf) October 29, 2021 [Annual Performance Plan - FY 2022](/reports/fhfa-annual-performance-plan/2022) [Read Report](/document/fhfa-annual-performance-plan-fy-2022) December 31, 2020 [Annual Performance Plan - FY 2021](/reports/fhfa-annual-performance-plan/2021) [Read Report](/media/30156) October 01, 2018 [Annual Performance Plan - FY 2019](/reports/fhfa-annual-performance-plan/2019) [Read Report](/media/29996) March 20, 2018 [Annual Performance Plan - FY 2018](/reports/fhfa-annual-performance-plan/2018) [Read Report](/media/29806) October 03, 2016 [Annual Performance Plan - FY 2017](/reports/fhfa-annual-performance-plan/2017) [Read Report](/media/30451) October 01, 2015 [Annual Performance Plan - FY 2016](/reports/fhfa-annual-performance-plan/2016) [Read Report](/media/29796) February 09, 2015 [Annual Performance Plan - FY 2015](/reports/fhfa-annual-performance-plan/2015) [Read Report](/media/25181) November 04, 2013 [Annual Performance Plan - FY 2014](/reports/fhfa-annual-performance-plan/2014) [Read Report](/media/25056) November 02, 2012 [Annual Performance Plan - FY 2013](/reports/fhfa-annual-performance-plan/2013) [Read Report](/media/25051) April 23, 2012 [Annual Performance Plan - FY 2012](/reports/fhfa-annual-performance-plan/2012) [Read Report](/media/25046) March 14, 2011 [Annual Performance Plan - FY 2011](/reports/fhfa-annual-performance-plan/2011) [Read Report](/document/fhfa-fy-2011-app) January 29, 2010 [Annual Performance Plan - FY 2010](/reports/fhfa-annual-performance-plan/2010) [Read Report](/media/25041) December 15, 2008 [Annual Performance Plan - FY 2009](/reports/fhfa-annual-performance-plan/2009) [Read Report](/media/25031) December 28, 2006 [OFHEO FY 2007 Performance Budget](/reports/fhfa-annual-performance-plan/2007) [Read Report](/media/25126)\n"} diff --git a/chunks/json/766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984.json b/chunks/json/766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984.json new file mode 100644 index 0000000000000000000000000000000000000000..016d13a8023b5744145182cdc872ad8136a188e8 --- /dev/null +++ b/chunks/json/766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13706,"char_start":11556,"chunk_id":"chk_9ef36a7279d0a5c3","chunk_index":7,"chunk_sha256":"766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984","token_estimate":538,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":", as of\n\nFreddie Mac Form 465H April 2022\n\nPage 3 of 6\n\nFannie Mae Form1073 Hybrid April 2022\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nFile #\n\nThis report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned\nunit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a\ncooperative project.\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,\nstatement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended\nuse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may\nexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal\nassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do\nnot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s\ncontinuing education or membership in an appraisal organization, are permitted.\n\nSCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the\nreporting requirements of this appraisal report form, including the following definition of market value, statement of\nassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate\nand reliable information for the subject property including, but not limited to, property data based on interior and exterior\nproperty data collection, public and/or private data records, and information as described by the appraiser in the appraisal\nreport, (2) research, verify, and analyze adequate and reliable data from public and/or private sources for the subject market\narea, and project, including data for each comparable property reported, and (3) report his or her analysis, opinions, and\nconclusions in this appraisal report.\n"} diff --git a/chunks/json/7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242.json b/chunks/json/7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242.json new file mode 100644 index 0000000000000000000000000000000000000000..26d8666bf94e95b450e4cdd244de9e3b6fd185ea --- /dev/null +++ b/chunks/json/7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32285,"char_start":30842,"chunk_id":"chk_802020cd1d6d0738","chunk_index":9,"chunk_sha256":"7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_35d508805bb0fc2c","text_sha256":"7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/DU_Validation_Service_Verification_Report_Vendors__67newj.md"]},"text":"campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)\n\n### Have questions?\n\nGet answers to your policy and guide questions, straight from the source.\n\n[Get Started **](/applications-technology/ask-poli)\n\n###### Work with Fannie Mae\n\n- [Customer Login](/saml/login)\n - [Password Reset](https://passwordreset.fanniemae.com/)\n - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)\n\n###### Products & Solutions\n\n- [Mortgage Products & Options](/originating-underwriting/mortgage-products)\n - [Technology Apps & Solutions](/applications-technology/applications-technology)\n\n###### Support & Resources\n\n- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)\n - [Guide Forms](/selling-servicing-guide-forms)\n - [Learning Center](/learning-center)\n - [News & Events](/news-events)\n - [Report mortgage fraud](/mortgage-fraud-prevention)\n\n###### Other Sites\n\n- [Fannie Mae's Consumer Website](https://www.fanniemae.com/)\n - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)\n - [HomePath](https://www.homepath.com/)\n"} diff --git a/chunks/json/7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d.json b/chunks/json/7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d.json new file mode 100644 index 0000000000000000000000000000000000000000..b690ad15bf6fe49f25f3e3387c0969b9bed7b450 --- /dev/null +++ b/chunks/json/7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":139605,"char_start":137995,"chunk_id":"chk_7f53fb24d32641fc","chunk_index":62,"chunk_sha256":"7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 57 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3. 6 MI C #\n\n3.0 Loan Information\n\nMortgage insurance (MI) is any mortgage guarantee (private or government) that provides coverage like MI . If\nthere is borrower-paid mortgage insurance on a loan, the MIC # (Mortgage Insurance Certificate Number) must\nbe present on the form. For government loans this will be the Agency Case Number.\n\n1. PRI VATE MORTGAGE I NSURANCE\n\nMIC # is the mortgage insurance certificate number issued by a private mortgage insurer (MI) on conventional\nloan policies. To identify provider of the MI certificate, the GSEs require that the name of the MI provider also\nbe provided. (See IV.B.3. To Support Data Clarity.)\n\n3.0 Loan Information\n\n3.4 Loan Type  Conventional  FHA\n\n VA \n\n3.5 Loan ID# 123456789\n\n3.6 MIC #\n\n000654321\n\nFigure 28. Loan Information – Private MIC #\n\nTable 41. Loan Information – Private MIC #\n\nForm Field\nName\n\nMISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nMIC #\n\n…/LOAN_DETAIL\n\nMIRequiredIndicator\n\ntrue\n\nID\n\n3.6\n\nNot shown –\nindicates need for\nadditional data\npoints\n\nNot shown - Data\nClarity\n\n…/LOAN/MI_DATA/MI\n_DATA_DETAIL\n\nMICertificateIdentifier\n\n000654321\n\nMICompanyNameType Other\n\nUID 3.017 GSE (MIC #)\n\nUID 3.029 N/A – GSE\n\nMICompanyNameType\nOtherDescription\n\nNonEnumerat\nedMICompany\n\nNot shown - Data\nClarity\n\n2. GOVERNMENT I NSURANCE /GUARANTEE\n\nFor Non-Conventional (Government) loans, MIC # is the Agency Case Number.\n\n3.0 Loan Information\n\n3.4 Loan Type  Conventional  FHA\n\nAppendix E: UCD Implementation Guide\n"} diff --git a/chunks/json/769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f.json b/chunks/json/769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f.json new file mode 100644 index 0000000000000000000000000000000000000000..4125410ea6930cf8eedeee2ee7410d988b0bb5ea --- /dev/null +++ b/chunks/json/769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":610122,"char_start":608389,"chunk_id":"chk_f72431c920d9fc79","chunk_index":351,"chunk_sha256":"769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\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\n6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal\nreport.\n\n7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in\nappraising this type of property in this market area.\n"} diff --git a/chunks/json/769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad.json b/chunks/json/769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad.json new file mode 100644 index 0000000000000000000000000000000000000000..93bcff17d155aeedbebe49391e7bd525122a1a2d --- /dev/null +++ b/chunks/json/769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19568,"char_start":17969,"chunk_id":"chk_d145468095055d1f","chunk_index":11,"chunk_sha256":"769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"Sketch\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nComparableRental\n\nThis data and other rent comparable information gathered from discussions with landlords, owners, and property managers support estimated rents for the subject. Estimated rents have been based on the above rent survey as well as a rental survey of the general area.\n\nSalesContract\n\nThis is a FSBO. This transaction is between investors with a contract price below market value.\n\nSubjectListing\n\nThe subject was not listed on the open market. This is a private sale between investors. The appraiser is unaware of any other listings or agreements for sale.\n\nHighestAndBestUse\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nOverallQualityAndCondition\n\nThe appraiser's inspection was visual and not technical in nature. Quality and condition ratings are based on the appraiser's observations on the date of inspection. See the defects, damages, and deficiencies table for specifics.\n\nSubjectPriorSalesAndTransferHistory\n\nMy research revealed no prior transactions within the past 3 years.\n\nComparablesPriorSalesAndTransferHistory\n\nThe prior sale for comparable #1 was a market sale listed in the MLS. The original owner was forced to relist the property as a result of an unexpected job transfer. The appraiser was unable to determine the prior sales price for comparable #3. Information from the tax record indicates that the property was transferred as part of an estate settlement/sale.\n\nVehicleStorage\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nDisasterMitigation\n"} diff --git a/chunks/json/76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6.json b/chunks/json/76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6.json new file mode 100644 index 0000000000000000000000000000000000000000..5bc917b01f101c8b1ff1c23b8c9cb6df3ba541a2 --- /dev/null +++ b/chunks/json/76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":828603,"char_start":826977,"chunk_id":"chk_f9d36127d8a7c34b","chunk_index":492,"chunk_sha256":"76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 145 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\n259\n\n260\n\n261\n\n262\n\n263\n\n264\n\n265\n\n266\n\n267\n\n268\n\n269\n\n270\n\n271\n\n272\n\n273\n\n274\n\n275\n\n276\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n57\n\n58\n\n59\n\n60\n\n61\n\n62\n\n63\n\n64\n\n65\n\n66\n\n67\n\n68\n\n69\n\n70\n\n71\n\n72\n\n73\n\n74\n\nUNIT\nIMPROVEMENTS\n\nCooling\nOther (describe)\n\nCooling Unit\nDescription\n\nA free-form text field describing the\nprimary cooling unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_UnitDes\ncription\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nFireplace(s)\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F\nireplace']/@_ExistsIndicator\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nFireplace(s) #\n\nAmenity Count\n\nThe number of the amenities specified by\nAmenity Type that are present in the\nproperty. For example two fireplaces.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F\nireplace']/@_Count\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nWoodstove(s)\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nWoodStove']/@_ExistsIndicator\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nWoodstove(s) #\n\nAmenity Count\n\nThe number of the amenities specified by\nAmenity Type that are present in the\nproperty. For example two fireplaces.\n"} diff --git a/chunks/json/76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8.json b/chunks/json/76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8.json new file mode 100644 index 0000000000000000000000000000000000000000..e48a0e14e79673fc0b385f0b4ab41b66c8d8d4bb --- /dev/null +++ b/chunks/json/76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26704,"char_start":20399,"chunk_id":"chk_97d8ab7833c566db","chunk_index":5,"chunk_sha256":"76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1d287c681abb2186","text_sha256":"76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8","token_estimate":937,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Integrated_Vendor_List___Fannie_Mae_mb141.md"]},"text":"Technology Type - Any - Appraisal Closing Credit Information Provider Data Validation Provider (all DVS vendors) Default Management (SMDU vendors) Document Preparation eMortgage (eClose, eNote, and eVault ) End-to-End Loan Delivery Loan Origination System Mortgage Insurance Point-of-Sale Pricing & Product Engine QC & Compliance Servicing Name Vendor Product Fannie Mae Product Interface [IBT Apps, Inc. dba IBT Apps/ PowerLender](https://www.powerlender.com/) Power Lender® Loan Origination & Processing System - Desktop Underwriter\n- EarlyCheck\n- Uniform Closing Dataset File Creation\n- Uniform Closing Dataset File Delivery\n- Uniform Loan Delivery Dataset [Lender Software Solutions, LLC.](https://www.lender.com/) Lender Optimus Unified Mortgage Experience Platform - Desktop Originator\n- Desktop Underwriter [WILQO](https://wilqo.com/) Charlie - Desktop Originator\n- Desktop Underwriter\n- EarlyCheck [4506-Transcripts.com](https://www.Privateeyesbackgroundchecks.com) 4506-Transcripts - Asset Validation Report Provider\n- Tax Transcript Validation Report Supplier [AccountChek by Informative Research](https://www.informativeresearch.com/accountchek/) AccountChek - Asset Validation Report Supplier [Accudata Credit Systems](https://www.accudataservices.com) Accudata Credit Systems - Asset Validation Report Provider\n- Tax Transcript Validation Report Provider [Accurate Financial Services](https://www.afsaccounting.com) Sponsor SharperLending - Asset Validation Report Provider\n- Credit Information Provider [Accurate Group, LLC](https://www.accurategroup.com/) Archer™ - Property Data API [ACI](https://www.appraisal.com) Appraisal.com - Uniform Collateral Data Portal for UAD 2.6 [ACRAnet, Inc.](https://www.acranet.com) Sponsor SharperLending - Asset Validation Report Provider\n- Credit Information Provider\n- Income and Employment Validation Report Provider\n- Tax Transcript Validation Report Provider [Actualize Consulting](https://www.actualizeconsulting.com) TransformX - Uniform Closing Dataset File Creation\n- Uniform Closing Dataset File Delivery [Advanced Data](https://www.advanceddata.com) Advanced Data® Income Tax Verification - Asset Validation Report Provider\n- Income and Employment Validation Report Provider\n- Tax Transcript Validation Report Supplier [Advantage Credit Bureau](https://www.advantagecreditbureau.com) Sponsor MeridianLink, Inc. - Income and Employment Validation Report Provider\n- Tax Transcript Validation Report Provider [Advantage Credit, Inc. of Colorado](https://www.advcredit.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider\n- Credit Information Provider\n- Income and Employment Validation Report Provider\n- Tax Transcript Validation Report Provider [Advantage Plus Credit Reporting, Inc.](http://www.advpluscredit.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider\n- Credit Information Provider\n- Income and Employment Validation Report Provider\n- Tax Transcript Validation Report Provider [AIMSdashboard, LLC](https://www.aimsdashboard.com) AIMSdashboard - Uniform Collateral Data Portal for UAD 2.6 [Aivre](https://www.aivre.com/) URAR UAD 3.6, Aivre Analytics, Aivre Adjuster, Aivre Mobile, & GPAR - UAD 3.6 Appraisal Software Provider\n- UAD 3.6 Compliance Rules API [Alexander McCabe Appraisal Management Company](https://www.alexandermccabe.com) @Home VMS - Uniform Collateral Data Portal for UAD 2.6 [Alliance 2020](https://www.alliance2020.com) Alliance 2020 - Asset Validation Report Provider\n- Income and Employment Validation Report Provider [ALM First Financial](https://www.almfirst.com) Mortgage Pipeline Hedging - Pricing & Execution - Whole Loan Browse Price [American Reporting Company, LLC](https://www.arcreports.com) Sponsor MeridianLink, Inc.\n"} diff --git a/chunks/json/76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6.json b/chunks/json/76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6.json new file mode 100644 index 0000000000000000000000000000000000000000..4a4bb6dd73e394498e12bcd4749f70173bd8a83f --- /dev/null +++ b/chunks/json/76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":166461,"char_start":164823,"chunk_id":"chk_ca4e4ebbb2cfc750","chunk_index":91,"chunk_sha256":"76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L\nOAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED_PRO\nPERTY_COST/ESTIMATED_PROPERTY_COST_DETAIL\n\n5.035\n\nProjectedPaymentEstimatedTaxesIn\nsuranceAssessmentTotalAmount\n\n356.16\n\nUCD v2.0 Implementation Guide\n\n- 71 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 50. XML Snippet - Example of ETI&A Data.\n\n\n…\n \n \n \n\n\n \n\n\n\n\n \n\nEscrowed\n PropertyTaxes<\n\n/ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType>\n\n\n \n\nNotEscrowed\n HomeownersInsurance<\n\n/ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType>\n\n\n \n\nNotEscrowed\n HomeownersAssociationDues<\n\n/ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType>\n\n\n \n \n"} diff --git a/chunks/json/76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346.json b/chunks/json/76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346.json new file mode 100644 index 0000000000000000000000000000000000000000..6f089c7e72040f1c667288ce045c919ac20302fe --- /dev/null +++ b/chunks/json/76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1718,"char_start":0,"chunk_id":"chk_d463c8bc6ee5256e","chunk_index":0,"chunk_sha256":"76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346","date_utc":"2026-01-27T17:54:28+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_23d5f7574407a9e9","text_sha256":"76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/National_Mortgage_Database_Program___FHFA_kttsu.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/nmdb\"\ndate_accessed: \"2026-01-27T17:54:20.526Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe.json b/chunks/json/76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe.json new file mode 100644 index 0000000000000000000000000000000000000000..c49d461bdf082732984bb96d11cbc0d261d483f4 --- /dev/null +++ b/chunks/json/76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":124497,"char_start":122895,"chunk_id":"chk_b3d298c7a2e8b7ff","chunk_index":72,"chunk_sha256":"76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Yes No\n \n \n \n \n \n \n\nYes No\n \n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nRefinance\nJames Borrower\nLauren Lightfoot\nJames Borrower\nLauren Lightfoot\n\nProperty Valuation Method\n\nHybrid Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\nAMC Fee\n\n$0\n$0\n\nPage 2 of 22\nPage 2 of 22\n\nYes No\n \n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nABC Mortgage\n88888 Idle Dr\nSomewhere, MI 91300\n\nImperial AMC\n456 Dorothy St\nAnywhere, IA 23410\n\nBill Smith\nSRA\nSpartacus Appraisals\n123 Main St\nNowhere, CA 90021\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n\nProperty Data Report\n\nName\nOccupation\nCompany Name\nCompany Address\n\nReference ID\nSubject Property Inspection\n"} diff --git a/chunks/json/76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616.json b/chunks/json/76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616.json new file mode 100644 index 0000000000000000000000000000000000000000..e967c2b951b1fdc02a76b54eed7fcdffec25d518 --- /dev/null +++ b/chunks/json/76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20721,"char_start":19052,"chunk_id":"chk_a7d31bfd9016d35f","chunk_index":12,"chunk_sha256":"76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616","token_estimate":417,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of\nhazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of\nduring the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no\nknowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to,\nneeded repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that\nwould make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties,\nexpress or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental\nhazards, this appraisal report must not be considered as an environmental assessment of the property.\n\n6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory\ncompletion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be\nperformed in a professional manner.\n\nFreddie Mac Form 70D July 2020\n\n226\n\nPage 4 of 6\n\nFannie Mae Form 1004 Desktop July 2020\n\n2\n\nUniform Residential Appraisal Report (Desktop)\n\nFile # 3\n\n4 4a\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n"} diff --git a/chunks/json/76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651.json b/chunks/json/76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651.json new file mode 100644 index 0000000000000000000000000000000000000000..f10fea0acfe4cc0814a8f01a49bbb0756de3e6d4 --- /dev/null +++ b/chunks/json/76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651.json @@ -0,0 +1 @@ +{"chunk":{"char_end":191064,"char_start":189450,"chunk_id":"chk_dab17702cb82db9d","chunk_index":107,"chunk_sha256":"76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Fannie Mae will not purchase or securitize a loan secured by a property that is subject to certain land-use regulations, such as\ncoastal tideland or wetland laws, that create setback lines or other provisions that prevent the reconstruction or maintenance of\nthe property improvements if they are damaged or destroyed. The intent of these types of land-use regulations is to remove\nexisting land uses and to stop land development, including the maintenance or construction of seawalls, within specific setback\nlines.\n\nFor information regarding accessory dwelling units that comply or do not comply with zoning, see SB4-1.3-05, Dwelling Exterior,\nUnit Interior, and Outbuilding Sections of the Appraisal Report.\n\nAdjoining Properties\n\nThe appraiser must consider the present or anticipated use of any adjoining property that may adversely affect the value or\nmarketability of the subject property.\n\nSite Utilities\n\nFor loans to be eligible for purchase or securitization, the utilities of the property must meet community standards. If public\nsewer and/or water facilities, those that are supplied and regulated by the local government, are not available, community or\nprivate well and septic facilities must be available and utilized by the subject property. The owners of the subject property must\nhave the right to access those facilities, which must be viable on an ongoing basis. Private well or septic facilities must be located\non the subject site, unless the subject property has the right to access off-site private facilities and there is an adequate, legally\nbinding agreement for access and maintenance.\n"} diff --git a/chunks/json/76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898.json b/chunks/json/76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898.json new file mode 100644 index 0000000000000000000000000000000000000000..b0a23adf6fd51019dc1b2196ce405af155459f5a --- /dev/null +++ b/chunks/json/76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898.json @@ -0,0 +1 @@ +{"chunk":{"char_end":521455,"char_start":519822,"chunk_id":"chk_3031da333c84fc4a","chunk_index":309,"chunk_sha256":"76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Project Information\n\nProject\nInformation\n(subsection\nheading)\n\nWhen subject\nor any\ncomparable is\nin a condo, co-\nop, or condop,\nor if relevant\n\nYes\n22.02.05\n\nAny adjustment for the Project Information subsection is made in this\nrow.\n\nAppendix F-1: URAR Reference Guide\n\nPage 225 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Project Information\n\nReport\nField ID\n\nNot on\nReport\n\nNot on\nReport\n\nNot on\nReport\n\n22.02.01\n22.02.06\n\n22.02.06\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nProject Name\n| Same\nProject as\nSubject\n\nProject Name\n| Same\nProject as\nSubject\n\nN/A\n\nAlways required\n\nYes | No\n\nN/A\n\nAlways required\n\nYes | No\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nFree-form\n\nRequired if the\ncomparable is in a\ncondo, co-op, or\ncondop\n\nRequired if the\ncomparable is in a\ncondo, co-op, or\ncondop\n\nN/A\n\nWhen the\nsubject or any\ncomparable is\nin a condo, co-\nop, or condop\n\nWhen the\nsubject or any\ncomparable is\nin a condo, co-\nop, or condop\n\nSubject Property\n•\n\nProperty in a PUD\n3.010\n\nSubject Property\n•\nProperty in a\nProject 3.011-\n3.012-3.013\n"} diff --git a/chunks/json/76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e.json b/chunks/json/76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e.json new file mode 100644 index 0000000000000000000000000000000000000000..58fefa117c4915fe62886a795ad1b9aa0dfd30e6 --- /dev/null +++ b/chunks/json/76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":616352,"char_start":49601,"chunk_id":"chk_5769ded44fa6f467","chunk_index":3,"chunk_sha256":"76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e","date_utc":"2026-01-27T17:46:38+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b275b98100c5a4d6","text_sha256":"76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e","token_estimate":1240,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.md/Uniform_Appraisal_Dataset__UAD__and_Forms_Redesign_9nwakf.md","exceeds_max_chunk_chars_truncated"]},"text":"if (window.ytcsi) {window.ytcsi.tick('gcc', null, '');} (function() {var element = document.querySelector('#player-placeholder'); if (element && element.remove && typeof element.remove === 'function') {element.remove();}})(); window.ytplayer = window.ytplayer || {}; window.ytplayer.bootstrapPlayerContainer = document.getElementById('player-api'); window.ytplayer.bootstrapWebPlayerContextConfig = window.yt && window.yt.config_ && window.yt.config_.WEB_PLAYER_CONTEXT_CONFIGS && window.yt.config_.WEB_PLAYER_CONTEXT_CONFIGS['WEB_PLAYER_CONTEXT_CONFIG_ID_KEVLAR_WATCH']; window.ytplayer.bootstrapPlayerResponse = window['ytInitialPlayerResponse'];(function playerBootstrap(){if(window.ytplayer.bootstrapPlayerContainer&&window.ytplayer.bootstrapWebPlayerContextConfig){var createPlayer=window.yt&&window.yt.player&&window.yt.player.Application&&(window.yt.player.Application.createAlternate||window.yt.player.Application.create);if(createPlayer){if(window.ytplayer.bootstrapPlayerResponse){window.ytplayer.config={args:{raw_player_response:window.ytplayer.bootstrapPlayerResponse}};if(window.ytcsi)window.ytcsi.tick(\"cfg\",null,\"\")}createPlayer(window.ytplayer.bootstrapPlayerContainer, window.ytplayer.config,window.ytplayer.bootstrapWebPlayerContextConfig);window.pis=\"initialized\"}}})();ytplayer.load=function(){throw new Error(\"Unexpected call to ytplayer.load.\");}; (function() {var element = document.querySelector('#player-api'); if (yt && yt.flexy && yt.flexy.setPlayerlikeElementSize && typeof yt.flexy.setPlayerlikeElementSize === 'function') {yt.flexy.setPlayerlikeElementSize(element);}})(); if(window[\"_spf_state\"])window[\"_spf_state\"].config={\"assume-all-json-requests-chunked\":true}; if (window.ytcsi) {window.ytcsi.tick('bs', null, '');} ytcfg.set('initialBodyClientWidth', document.body.clientWidth); if (window.ytcsi) {window.ytcsi.tick('ai', null, '');} [](/)[](/) [About](https://www.youtube.com/about/)[Press](https://www.youtube.com/about/press/)[Copyright](https://www.youtube.com/about/copyright/)[Contact us](/t/contact_us/)[Creators](https://www.youtube.com/creators/)[Advertise](https://www.youtube.com/ads/)[Developers](https://developers.google.com/youtube)[Terms](/t/terms)[Privacy](/t/privacy)[Policy & Safety](https://www.youtube.com/about/policies/)[How YouTube works](https://www.youtube.com/howyoutubeworks?utm_campaign=ytgen&utm_source=ythp&utm_medium=LeftNav&utm_content=txt&u=https%3A%2F%2Fwww.youtube.com%2Fhowyoutubeworks%3Futm_source%3Dythp%26utm_medium%3DLeftNav%26utm_campaign%3Dytgen)[Test new features](/new)[NFL Sunday Ticket](https://tv.youtube.com/learn/nflsundayticket)© 2026 Google LLC if (window.ytcsi) {window.ytcsi.tick('nc_pj', null, '');} if (window.ytcsi) {window.ytcsi.tick('rsbe_dpj', null, '');} if (window.ytcsi) {window.ytcsi.tick('js_ld', null, '');} if (window.ytcsi) {window.ytcsi.tick('rsef_dpj', null, '');} if (window.ytcsi) {window.ytcsi.tick('rsae_dpj', null, '');} if (window.ytcsi) {window.ytcsi.tick('js_r', null, '');} var scheduleAppLoad=function(e){window.removeEventListener(\"script-load-dpj\",scheduleAppLoad);if(window[\"ytsignals\"]&&window[\"ytsignals\"][\"getInstance\"]){var ytSignalsInstance=window[\"ytsignals\"][\"getInstance\"]();var signal=ytSignalsInstance[\"onAny\"]([\"eoir\",\"eor\"]);ytSignalsInstance[\"parkOrScheduleJob\"](appLoad,3,signal)}else{appLoad();var ua=window[\"navigator\"][\"userAgent\"];var shouldLog=ua.indexOf(\"msnbot\")===-1&&ua.indexOf(\"BingPreview\")===-1&&ua.indexOf(\"bingbot\")===-1;if(shouldLog)window.onerror(\"ytsignals missing\", \"async_attach_app_loader.js\",0,0,new Error(\"ytsignals missing\"))}};var appLoad=function(){var ytcsi=window.ytcsi;if(ytcsi)ytcsi.tick(\"apa_b\");var appEl=document.querySelector(\"ytd-app\");var mastheadEl=appEl&&appEl.querySelector(\"ytd-masthead\");if(mastheadEl)mastheadEl.removeAttribute(\"disable-upgrade\");if(appEl)appEl.removeAttribute(\"disable-upgrade\");if(ytcsi)ytcsi.tick(\"apa_a\")};var ytSignals=window[\"ytsignals\"];if(ytSignals)scheduleAppLoad();else window.addEventListener(\"s\n"} diff --git a/chunks/json/7710cf4a6dd3b743c64b10a2949c5fa416ae07a900e2071a48f4bb793489b372.json b/chunks/json/7710cf4a6dd3b743c64b10a2949c5fa416ae07a900e2071a48f4bb793489b372.json new file mode 100644 index 0000000000000000000000000000000000000000..1f159b0b4fc2c8d249a95ff1e585bcac4a1ce89e --- /dev/null +++ b/chunks/json/7710cf4a6dd3b743c64b10a2949c5fa416ae07a900e2071a48f4bb793489b372.json @@ -0,0 +1 @@ +{"chunk":{"char_end":411056,"char_start":409241,"chunk_id":"chk_7c2d754515d0f6a0","chunk_index":322,"chunk_sha256":"7710cf4a6dd3b743c64b10a2949c5fa416ae07a900e2071a48f4bb793489b372","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7710cf4a6dd3b743c64b10a2949c5fa416ae07a900e2071a48f4bb793489b372","token_estimate":454,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 24 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReference “Supplement – Approaches to Value Grids” spreadsheet for more information about the rows in the GRM comparison grid.\n\nPage 321\n\nIndicated Value by Income Approach\n\nThe Indicated Value by Income Approach subsection always displays when the Income Approach section is included.\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nIndicated Value by Income Approach\n\n24.022\n\nTotal Monthly Market Rent\n\n2000.0035\n\nTotalMonthlyMarketRentAmount\n\n24.023\n\nx Gross Rent Multiplier\n\n1200.0003\n\nGrossRentMulitplierFactorNumber\n\n24.024\n\n= Indicated Value by Income Approach\n\n1200.0004\n\nValueIndicatedByIncomeApproachAmount\n\nAlways displays\nNote: Also displays in 23.01.21\nAlways displays\nThis number must be > 0\nAlways displays\nCalculated: TotalMonthlyMarketRentAmount x\nGrossRentMulitplierFactorNumber\n\nIncome Approach Commentary\n\nThe Income Approach Commentary subsection always displays when the Income Approach section is included. Comments must use\nIncomeAnalysisCommentDescription (UID: 1200.0007, FID: 24.025).\n\nIncome Approach Exhibits\n\nThe Income Approach Exhibits subsection always displays when Income Approach section is included. All text must display above the image\nin bold font.\n\nMap of GRM Comparables\n\nA map showing the subject property and all GRM comparables must be provided and is delivered in the instance of PROPERTY where\n@ValuationUseType (UID: 0100.0043, FID: Not on report) = “SubjectProperty”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• The map must be delivered using ImageCategoryType (UID: 1400.0638, FID: 24.026.1) = “GrossRentMultiplierComparableMap”. When\nit displays in the Income Approach Exhibits subsection the caption “Map of GRM Comparables” displays above the map in bold font.\n"} diff --git a/chunks/json/7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58.json b/chunks/json/7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58.json new file mode 100644 index 0000000000000000000000000000000000000000..63886ca3357546412097a3f661a91a1d54621cbb --- /dev/null +++ b/chunks/json/7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2306,"char_start":1685,"chunk_id":"chk_d72c9deeb9e189f3","chunk_index":2,"chunk_sha256":"7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58","token_estimate":560,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Column Descriptions for Legacy Forms Mapping ............................................................................................................................................................................................................................................................... 4\n\nLegacy Forms Mapping ...................................................................................................................................................................................................................................................................................................... 5\n"} diff --git a/chunks/json/77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055.json b/chunks/json/77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055.json new file mode 100644 index 0000000000000000000000000000000000000000..6861b509b2d9247c8e23da718fe8ef26c7417898 --- /dev/null +++ b/chunks/json/77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14254,"char_start":12481,"chunk_id":"chk_c9e20670056cab98","chunk_index":7,"chunk_sha256":"77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"- Foreclosure rescue arrangements that include demands for up-front fees, deed transfers, or mortgage payments to someone other than the existing loan servicer;\n - Debt elimination offers that promise settlement of mortgage debts or credit repair in exchange for up-front fees; and\n - Loan modification scams involving payment of up-front fees in exchange for negotiation of more favorable terms with lenders.\n\n#### Recurring Cyber-Enabled Fraud Schemes\n\nCyber-enabled fraud is an increasing risk for both borrowers and the industry at large. Cyber-enabled fraud can target the mortgage origination process and the operations of mortgage industry participants.\n\nBeware of common cyber-fraud schemes that include:\n\n- Phishing – fraudulent emails, phone calls, or text messages purporting to be from a reputable source seeking personal information, passwords, financial information, or payments;\n - Email Account Compromise – unauthorized access to a valid email address used to gain the email account holder’s personal or financial information and/or induce such person’s contacts to send fraudulent payments; and\n - Fraudulent Websites – fraudulent copies or look-alikes of official websites (generally in the financial services industry) used to obtain personal or financial information and/or payments from victims.\n\n#### Natural Disaster-Related Fraud Schemes and Prevention Tips\n\nBe aware that when a natural disaster occurs, fraudsters may employ schemes to try to steal your sensitive person information, money, or home. Assistance to homeowners and renters is available through FEMA and other programs; however, scammers are increasing their attempts to harm homeowners, mortgage borrowers, and renters through housing scams, relief scams, and mortgage fraud.\n"} diff --git a/chunks/json/7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5.json b/chunks/json/7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5.json new file mode 100644 index 0000000000000000000000000000000000000000..cd6b28ac4e4c3a98e581cd48eb2374e8f83681e7 --- /dev/null +++ b/chunks/json/7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":85134,"char_start":83079,"chunk_id":"chk_81cc67080995aa13","chunk_index":45,"chunk_sha256":"7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5","token_estimate":514,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Lien Status: Lien Status is a modified\n\nHMDA data element that indicates\nwhether the property is Secured by a\nFirst Lien, or Secured by a Subordinate\nLien.164 The current PUDB Multifamily\nCensus Tract File discloses lien status\nfor purchased loans without\nmodification, in conformance with the\nCFPB Privacy Guidance, and will\ncontinue to do so.165\n\nLoan Purpose (Purchase, Refinancing,\nand Home Improvement): Loan Purpose\nis a modified HMDA data element that\nindicates whether the loan was for\nPurchase, Refinancing, Cash-Out\nRefinancing, Home Improvement, or\nOther.166 The Loan Purpose values for\nPurchase, Refinancing, and Home\nImprovement are disclosed in the\ncurrent PUDB Multifamily Census Tract\n\n159 84 FR at 656.\n160 12 CFR 1003.4(a)(9)(ii).\n161 84 FR at 656.\n162 12 CFR 1003.4(a)(11).\n163 See FHFA 2010 Order, 75 FR at 41186.\n164 12 CFR 1003.4(a)(14). The CFPB modified this\n\ndata element to include the lien status for\npurchased loans. 80 FR at 66201. Since FHFA\nalready requires the Enterprises to report all data\nthey possess, regardless of HMDA loan purchaser\nrequirements, this modification does not impact the\nEnterprise data.\n\n165 84 FR at 656.\n166 12 CFR 1003.4(a)(3).\n\nFile without modification, and will\ncontinue to be disclosed in this manner\nin the Census Tract File, in conformance\nwith the CFPB Privacy Guidance.167\n(The new Loan Purpose value for Cash-\nOut Refinancing is discussed separately\nabove in Section II.C.1.)\n\n3. HMDA Multifamily Data Elements\nNot Collected by the Enterprises and\nNot Included in the PUDB\n\nBased on the review of the\n\nEnterprises’ data mapping submissions,\nFHFA concluded that the HMDA\nmultifamily data elements listed below\nare not collected by the Enterprises from\nloan sellers, or are related to loan types\nnot purchased by the Enterprises, and\nare, thus, not available for reporting.\nFHFA does not require the Enterprises,\nwhile in conservatorship, to collect data\nfrom loan sellers solely to populate the\nPUDB. Accordingly, these data elements\nare not available for inclusion in the\nMultifamily PUDB.\n"} diff --git a/chunks/json/7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4.json b/chunks/json/7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4.json new file mode 100644 index 0000000000000000000000000000000000000000..a68704d27d11ed6848fe3070f3e9ac0affe83c74 --- /dev/null +++ b/chunks/json/7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64641,"char_start":63515,"chunk_id":"chk_a4da5337baaa0fcf","chunk_index":67,"chunk_sha256":"7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"23.05.03\n\n23.02.03.1 | 23.02.03.2\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n23.05.01.1 | 23.05.01.2\n\n23.05.02.1 | 23.05.02.2\n\nUniform Residential Appraisal Report\n\nHF.001\n\nPage [Page] of [Pages]\n\nIncome Approach\n\nGross Rent Multiplier Comparables\n\nProperty Address\n\n24.000 24.009\n\nSubject Property\n\nComparable #\n\n24.008\n\nComparable #\n\nComparable #\n\n24.000.1 24.009.1\n\nData Source\n\nProximity to Subject\n\nUnits Excluding ADUs\n\nAccessory Dwelling Units\n\nGross Building Finished Area\n\nRent Control\n\n24.005\nSale Price\n\nSale Date\n\nGross Monthly Rent\n\nGross Rent Multiplier\n\nComparable Weight\n\n24.001\n\n24.002\n\n24.003\n\n24.004\n\n24.006\n\n24.007\n\nIndicated Value by Income Approach\n\n24.010\n\n24.011\n\n24.012\n\n24.013\n\n24.014\n\n24.015\n\n24.016\n\n24.017\n\n24.018\n\n24.019\n\n24.020\n\n24.021\n\nTotal Monthly Market Rent\n\n×\n\nGross Rent Multiplier\n\n=\n\nIndicated Value by Income Approach\n"} diff --git a/chunks/json/772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac.json b/chunks/json/772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac.json new file mode 100644 index 0000000000000000000000000000000000000000..fa5438f57c64b7a4eff2e5d5dcd4291f9a8947e2 --- /dev/null +++ b/chunks/json/772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8939,"char_start":7081,"chunk_id":"chk_67934996b3560762","chunk_index":4,"chunk_sha256":"772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac","token_estimate":463,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.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## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - Do Business With Us\n\n# Do Business with Us\n\nWelcome to FHFA Contracting Operations. We are pleased you are interested in doing business with us. It is especially important to understand how FHFA contracting works because FHFA is structured differently than many other federal agencies. FHFA's contracting program deals daily with the diverse needs and specialized requirements of both our mission divisions and partnering offices. We are responsible for procuring all goods and services, including information technology, required by FHFA, so we need a lot of good businesses to help us meet all those needs.\n"} diff --git a/chunks/json/7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48.json b/chunks/json/7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48.json new file mode 100644 index 0000000000000000000000000000000000000000..67d79e3c0daff2b2dd0a180d0abe3e2f85141114 --- /dev/null +++ b/chunks/json/7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":231605,"char_start":230003,"chunk_id":"chk_ea2a6bcc83658662","chunk_index":118,"chunk_sha256":"7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"6.0 Costs at Closing\n\nThe Closing Costs amounts are presented in the first row as illustrated by Figure 72. The data points used to\nprovide this information are shown in Table 90.\n\nTable 90. Closing Costs\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n9712.10\n\nROF as $9,712.10\n\n6.1.1\n\nClosing Costs\n(amount)\n\n6.1\n\nClosing Costs\n\n6.1.4\n\n___ in Lender\nCredits\n\n6.1.4\n\n___ in Lender\nCredits\n\n…/NTEGRATED_DIS\nCLOSURE_SECTION\n_SUMMARY/INTEG\nRATED_DISCLOSUR\nE_SECTION_SUMM\nARY_DETAIL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\nIntegratedDisclosur\neSectionType\n\nIntegratedDisclosur\neSubsectionType\n\nTotalClosingCosts\n\nLenderCredits\n\n…/INTEGRATED_DI\nSCLOSURE_SUBSEC\nTION_PAYMENT\n\nIntegratedDisclosur\neSubsectionPayme\nntAmount\n\n0.00\n\nROF as “Closing\nCosts”\n\nRepresented on\nfrom as “in Lender\nCredits”\n\nIf the amount of\nlender credits is\nzero, the data point\nmust still be\ndelivered with “0”.\n\nSecond Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n6.1.2\n\n___ in Loan Costs\n\n6.1.2\n\n___ in Loan Costs\n\n…/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY_DET\nAIL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\nIntegratedDisclosur\neSectionType\n\n4694.05\n\nROF as $4,694.05.\n\nTotalLoanCosts\n\nROF as “in Loan\nCosts”\n\nThird Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n6.1.3\n\n6.1.3\n\n___ in Other Costs …/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY_DET\nAIL\n\n___in Other Costs\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\nIntegratedDisclosur\neSectionType\n\n5018.05\n\nROF as $5,018.05\n\nTotalOtherCosts\n\nROF as “in Other\nCosts”\n"} diff --git a/chunks/json/775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201.json b/chunks/json/775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201.json new file mode 100644 index 0000000000000000000000000000000000000000..6ec3bdd7c648994ec8e9c5e027d3ab68db7cdd23 --- /dev/null +++ b/chunks/json/775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201.json @@ -0,0 +1 @@ +{"chunk":{"char_end":325906,"char_start":323759,"chunk_id":"chk_a43028157def0af2","chunk_index":272,"chunk_sha256":"775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201","token_estimate":537,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"2500.0153\n\nLineOfCreditMaximumAmount\n\nDisplay when LineOfCreditIndicator = \"true\"\nDisplay as \"Maximum:\" and amount and \"Drawn:\" and amount (each on a\nseparate line within the cell). (Figure 18 - 2)\n\nBalloon Mortgage\n\n2500.0036\n\nBalloonIndicator\n\nDisplay for each LienPriorityType\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n18.032\n18.041\n18.050\n18.059\n18.033\n18.042\n18.051\n18.060\n18.034\n18.043\n18.052\n18.061\n18.035\n18.044\n18.053\n18.062\n\n18.036\n18.045\n18.054\n18.063\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nProject Information: Cooperative Information (Project Blanket Financing)\n\nPage 249\n\nRemaining Term\n\n2500.0041\n\nLoanRemainingMaturityTermMonthsCount\n\nFor each LienPriorityType display count with text \"months\"\n\nMonthly Payment\n\nInterest Rate\n\n2500.0042\n\nPaymentAmountAvailableIndicator\n\n2500.0045\n\nTotalPaymentAmount\n\n2500.0037\n\nCurrentInterestRatePercent\n\n2500.0038\n\nInterestRateAvailableIndicator\n\nFor each LienPriorityType, when PaymentAmountAvailableIndicator = \"true\"\ndisplay TotalPaymentAmount, when “false”, display \"Unknown\".\n\nFor each LienPriorityType, when InterestRateAvailableIndicator = \"true\"\ndisplay CurrentInterestRatePercent, when “false” display “Unknown”\n\nAmortization Type\n\n2500.0034\n\nAmortizationType\n\nDisplay for each LienPriorityType\n\nPro Rata Share of\nBalance Attributable\nto Unit\n\n2500.0154\n\nLineOfCreditDrawnProRataShareAttributableToUnitA\nmount\n\n2500.0152\n\nLineOfCreditMaximumProRataShareAttributableToU\nnitAmount\n\n2500.0044\n\nUPBProRataShareAttributableToUnitAmount\n\nDisplay for each LienPriorityType, when LineOfCreditIndicator = \"true\"\n− Display as \"Drawn:\" followed by the amount (each on a separate line within\nthe cell). (Figure 18 - 2)\n− Calculated: ProRataSharePercent * LineOfCreditDrawnAmount\nDisplay for each LienPriorityType, when LineOfCreditIndicator = \"true\"\n− Display as \"Maximum:\" followed by the amount (each on a separate line\nwithin the cell). (Figure 18 - 2)\n− Calculated: ProRataSharePercent * LineOfCreditMaximumAmount\nDisplay for each LienPriorityType, when LineOfCreditIndicator = \"false\"\n− Calculated: ProRataSharePercent * UPBAmount (for each lien)\n"} diff --git a/chunks/json/7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de.json b/chunks/json/7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de.json new file mode 100644 index 0000000000000000000000000000000000000000..63a82f63dfbe31d5bd00d22a07237194f4a6b1b9 --- /dev/null +++ b/chunks/json/7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de.json @@ -0,0 +1 @@ +{"chunk":{"char_end":238653,"char_start":237055,"chunk_id":"chk_8976046268b8b931","chunk_index":135,"chunk_sha256":"7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD proprietary EXTENSION to allow additional QM data.\n\nN O T E : The INTEREST_ONLY structure which followed HIGH_COST_MORTGAGE in the UCD v1.5 Spec has been removed.\n\n1. HIGH-COST MORTGAGES\n\nIn 2010 the Dodd-Frank Act expanded the scope to include purchase-money mortgages and Home Equity Lines of Credit\n(HELOCs). HOEPA coverage tests must be applied to these loans to determine whether they are high-cost mortgages. The\ntests include, but are not limited to, the following loan characteristics for the tests:\n\na. Annual percentage rate (APR)\n\nb. Average Prime Offer Rate (APOR)\n\nc. The total amount of points and fees paid as part of the transaction less bona fide excluded discount points and less\n\nbona fide third party fees.\n\nd. Bona fide third-party fees (not retained by the lender, loan originator, or their affiliates)\n\ne. Discount points (reduce the interest rate in line with established industry practice)\n\nf. Excluded bona fide discount points (in compliance with the Regulation certain excluded discount points are not\n\nincluded in the total of points and fess)\n\nThe HIGH_COST_MORTGAGES structure holds data points supporting the HOEPA coverage tests.\n\nUCD v2.0 Implementation Guide\n\n- 105 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n2. LOAN PRICE QUOTE INTEREST RATE PERCENT\n\nAn additional data point assisting with the application of high-cost mortgage tests is LoanPriceQuoteRatePercent, the only\ndata point in the XML file contained in the LOAN_PRODUCT structure. UCD v2.0 has added Implementation Notes about the\nvalue expected in this data point.\n"} diff --git a/chunks/json/775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee.json b/chunks/json/775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee.json new file mode 100644 index 0000000000000000000000000000000000000000..f11827c0b910cf8dbc2c04902ba452ccc41be92d --- /dev/null +++ b/chunks/json/775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":930626,"char_start":929028,"chunk_id":"chk_cc36102a8653378d","chunk_index":553,"chunk_sha256":"775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE Quality Of\nConstruction Rating\nType\n\nThe overall rating of the property's quality\nof construction.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEQualityOfConstructionRatingType\n\n19\n\n10\n\n20\n\n10\n\n2\n\nString\n\nMoney\n\nString\n\nMoney\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a view factor not on the list provided materially affects the value of the property, the\nappraiser must select “other” and enter a description of the view associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Instruction - Refer to Appendix D Sales Comparison Approach Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nEnumerated\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\n\nThis field is required if the value of field e-6\n(GSE View Type) is 'Other'.\n"} diff --git a/chunks/json/776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be.json b/chunks/json/776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be.json new file mode 100644 index 0000000000000000000000000000000000000000..5aa5619d7da564df4047a6f550330d0bc311ba94 --- /dev/null +++ b/chunks/json/776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1687,"char_start":0,"chunk_id":"chk_4cbb5732c9d36e8b","chunk_index":0,"chunk_sha256":"776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5e31f440bb6fafd4","text_sha256":"776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-nov18-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1 Nov. Update\n\nOct. 4, 2023\n\nUpdated Oct. 25, 2023\n\nDuring the weekend of Nov. 18, 2023, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the\nchanges described below. Unless specified below, the changes in this release will apply to DU Version 11.1 loan casefiles\nsubmitted or resubmitted on or after the weekend of Nov. 18, 2023.\n\nThe changes in this release include the following:\n▪ LTV Ratios\n▪ Risk and Eligibility Assessment (added Oct. 25, 2023)\n▪ HomeStyle® Energy\n▪ Social Security Number Message Retirement\n▪ Liability Payment includes Taxes and Insurance Indicator\n▪ Updates to Align with the Selling Guide\n\nLTV Ratios\n\nTo expand access to credit and provide support for affordable rental housing, the maximum allowable LTV, CLTV, and HCLTV\nratios for two- to four-unit, principal residence, purchase and limited cash-out transactions will be updated to 95%. This change\nwill not apply to high-balance mortgage loans and loans that are manually underwritten. The table below highlights the updated\nLTV ratios.\n\nStandard Eligibility Requirements – Desktop Underwriter Version 11.1\nExcludes: High LTV Refinance and Manufactured Housing\n\nTransaction Type\nPrincipal Residence\n\nPurchase\nLimited Cash-Out Refinance\n\nNumber of Units\n\nMaximum LTV, CLTV, HCLTV\n\n1 Unit\n\n2 Units\n3 – 4 Units\n\nFRM: 97%\nARM: 95%\nFRM/ARM: 95% (currently 85%)\nFRM/ARM: 95% (currently 75%)\n\nHomeReady® Eligibility Requirements – Desktop Underwriter Version 11.1\nExcludes: High LTV Refinance and Manufactured Housing\n\nPrincipal Residence\nPurchase\nLimited Cash-Out Refinance\nPurchase\nLimited Cash-Out Refinance\n"} diff --git a/chunks/json/777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac.json b/chunks/json/777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac.json new file mode 100644 index 0000000000000000000000000000000000000000..c99c92bbd2d25a3ada82ca78f1f5d6d8fd52348f --- /dev/null +++ b/chunks/json/777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3215,"char_start":1610,"chunk_id":"chk_0aa5c88562e46207","chunk_index":1,"chunk_sha256":"777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.xml/SF4_Appraisal_v1.3.xml"]},"text":"616\n\nAboveGrade\n\n1960\n\nLevelOne\n\n0\n\nAboveGrade\n\n1344\n\nLevelTwo\n\n0\n\n0\n\n616\n\n0\n\n0\n\n3304\n\n640\n\nfalse\n\n5\n\n1st Floor\n\n3\n\n1\n\nC4\n\nQ4\n\n3\n\nMid Grade Finishes\n\nModeratelyUpdated\n\nSimilar\n\nPrimary Dwelling\n\nfalse\n\nVacant\n\nThe 1st floor primary bedroom bath was gut renovated approximately 2-3 years ago with upgrades to the shower, addition of a large soaking tub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The kitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was replaced throughout approximately 5-6 years ago with upgraded carpet on the first floor (including primary bedroom) and below grade family room. The 2nd floor carpeting was also replaced, however with standard grade carpet.\n\nfalse\n\nBelowGradeOne\n\nFamilyRoom\n\nBedroom1\n\n\\\\Images\\SF4_Bedroom1.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\nLevelOne\n\nDiningRoom\n\nLevelOne\n\nFamilyRoom\n\nBath1\n\n\\\\Images\\SF4_FullBath1.png\n\nimage/png\n\nLevelOne\n\nRecently updated\n\nNewOrLikeNew\n\nUpgraded shower, fixtures, floor\n\nFullBathroom\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\SF4_HalfBath.png\n\nimage/png\n\nLevelOne\n\nRecently updated\n\nNewOrLikeNew\n\nUpgraded fixtures\n\nHalfBathroom\n\nOneToFiveYears\n\nPartiallyUpdated\n\n\\\\Images\\SF4_Kitchen.png\n\nimage/png\n\nLevelOne\n\nRecently updated\n\nNewOrLikeNew\n\nUpgraded counters\n\nMid Grade Quality\n\nKitchen\n\nOneToFiveYears\n\nPartiallyUpdated\n\nLevelOne\n\nLivingRoom\n\nBedroom 2\n\n\\\\Images\\SF4_Bedroom2.png\n\nimage/png\n\nLevelTwo\n\nBedroom\n\nBedroom 3\n\n\\\\Images\\SF4_Bedroom3.png\n\nimage/png\n"} diff --git a/chunks/json/779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c.json b/chunks/json/779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c.json new file mode 100644 index 0000000000000000000000000000000000000000..7f2ce0df508dc020e89d2dd73cdb5e716fe36e04 --- /dev/null +++ b/chunks/json/779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46156,"char_start":43625,"chunk_id":"chk_3157337270decff1","chunk_index":25,"chunk_sha256":"779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c","token_estimate":633,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 22 of 22\nPage 22 of 22\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4.json b/chunks/json/779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4.json new file mode 100644 index 0000000000000000000000000000000000000000..14284076d3745af42825691a1e19099beeb1a5fb --- /dev/null +++ b/chunks/json/779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":81996,"char_start":80337,"chunk_id":"chk_20ea3938fcf2e90f","chunk_index":41,"chunk_sha256":"779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n \n \n\n\n\nBeta Card, Inc.\n\n\n\n\n \n\n30000.00\n\n\n \n \n\n…\n\n *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15.json b/chunks/json/7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15.json new file mode 100644 index 0000000000000000000000000000000000000000..f554054da5303bd71a89ecc288e42dab6f87a050 --- /dev/null +++ b/chunks/json/7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41455,"char_start":39779,"chunk_id":"chk_e260fc49c97c5d89","chunk_index":39,"chunk_sha256":"7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Display when the borrower is a legal entity\n\nWhen not provided, do not display report label.\n\nAppraiser Fee\n\nNot on\nreport\n\n08.002\n\nAMC Fee\n\nNot on\nreport\n\n08.003\n\nNot on\nreport\n\n08.003\n\nAppraiser Fee\n\n1000.0166 FeeType\n\nDisplay when FeeType = “AppraisalFee” AND Exists\n\n1000.0167 ProvidedServiceActualCostAmount\n\nWhen not provided, do not display report label.\n\nAMC Fee\n\nAMC Fee\n\n1000.0156 FeeType\n\nDisplay when FeeType = “AppraisalManagementCompanyFee” AND Exists\n\n1000.0157 ProvidedServiceActualCostAmount\n\n1000.0143 FeeType\n\n1000.0144 ProvidedServiceActualCostAmount\n\nDisplay when FeeType = “AppraisalManagementCompanyFee” AND\nPartyRoleType = “Client” AND Exists.\n\nGovernment Agency\n\nGovernment\nAgency\n\nNot on\nreport\n\n08.004\n\n1000.0122 GovernmentAgencyAppraisalIndicator\n\nWhen “false”, do not display report label.\n\nWhen not provided, do not display report label.\n\n1000.0123 GovernmentAgencyAppraisalType\n\nRequired when GovernmentAgencyAppraisalIndicator = “true”\n\nInvestor Requested Special Identification\n\nWhen not provided, do not display report label.\n\nPage 33\n\nReport\nField ID\n\n08.005\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report – Assignment: General Information\n\nInvestor Requested\nSpecial\nIdentification\n\n1000.0126\n\nInvestorRequestedIdentificationCode When not provided, do not display report label.\n\nAppraiser Fee and AMC Fee\n\nAppraiser Fee and AMC Fee, when provided, are each a type-value pair in the XML that is included in the corresponding instance of PARTY. (Figure 08 -1)\n\n• Appraiser Fee, when provided, is included in the instance with PartyRoleType (UID: 2200.0136, FID: Not on report) = “Appraiser”, as described in\n"} diff --git a/chunks/json/780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f.json b/chunks/json/780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f.json new file mode 100644 index 0000000000000000000000000000000000000000..1bfd882dee48c8315cd15468ceda6cc637f63350 --- /dev/null +++ b/chunks/json/780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1752,"char_start":0,"chunk_id":"chk_a47c4c63ea8e59c3","chunk_index":0,"chunk_sha256":"780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f","token_estimate":438,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nAppendix F-3: Completion Report Reference Guide\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nUniform Appraisal Dataset\n\nRevision History\n\nRevision History\n\nDate\n\nVersion\n\nReference Guide\nChapter\n\nChange #\n\nRevision Description\n\n6/10/2025\n\n1.3\n\n09 Certifications and\nIntended Use / User\n\n2025-036\n\nSee Appendix C-3 for all possible Certifications and Intended Use / User text that may\ndisplay.\n\n9/17/2024\n\n1.2\n\n12/12/2023\n\n1.1\n\nHeader and Footer\n\n2024-028 Updated date in footer to September 2024.\n\n02 Original Appraisal\n\n2024-021\n\nUpdated allowable answers for Original Market Value Condition (02.003), deleted Final\nValue Condition Description (02.007), and updated the ‘Definition / Additional Guidance’\ncolumn for Final Value Condition Statement (02.007).\n\n03 Itemized List of\nRepairs\n\n04 New Observed\nItems for Repair\n\n2024-018\n\nUpdated the ‘Definition / Additional Guidance’ column for Affects Soundness or Structural\nIntegrity (03.004) to clarify that the field is as noted in the original appraisal report.\n\n2024-018\n\nCorrected the ‘Definition / Additional Guidance’ column for Description (04.003) to\nremove the word “original.”\n\n05 Completion Status\n\n2024-019 Updated Completion Status Example 3.\n\n06 Completion Report\nCommentary\n\n2024-019\n\nAdded Note in the ‘Definition / Additional Guidance’ column for Completion Report\nCommentary (06.001) to clarify that the appraiser should avoid commenting on the impact\nto value.\n"} diff --git a/chunks/json/7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9.json b/chunks/json/7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9.json new file mode 100644 index 0000000000000000000000000000000000000000..9bb7070335a17f42212add92deacc96585fafd27 --- /dev/null +++ b/chunks/json/7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":140662,"char_start":138401,"chunk_id":"chk_e4f13b0f355ec9b5","chunk_index":82,"chunk_sha256":"7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9","token_estimate":566,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Exterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n158\n\nIMPROVEMENTS\n\nExterior Description\nScreens\n\nExterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n159\n\nIMPROVEMENTS\n\n160\n\nIMPROVEMENTS\n\n161\n\nIMPROVEMENTS\n\n162\n\nIMPROVEMENTS\n\nInterior\nFloors\n\nInterior\nWalls\n\nInterior\nTrim/Finish\n\nInterior\nBath Floor\n\n163\n\nIMPROVEMENTS\n\nInterior\nBath Wainscot\n\nInterior Feature\nCondition\nDescription\n\nInterior Feature\nCondition\nDescription\n\nInterior Feature\nCondition\nDescription\n\nInterior Feature\nCondition\nDescription\n\nInterior Feature\nCondition\nDescription\n\nA free-form text field used to describe\nthe material used and condition of an\ninterior feature specified by Interior\nFeature Type.\nA free-form text field used to describe\nthe material used and condition of an\ninterior feature specified by Interior\nFeature Type.\nA free-form text field used to describe\nthe material used and condition of an\ninterior feature specified by Interior\nFeature Type.\nA free-form text field used to describe\nthe material used and condition of an\ninterior feature specified by Interior\nFeature Type.\nA free-form text field used to describe\nthe material used and condition of an\ninterior feature specified by Interior\nFeature Type.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION/_CONDITION[@_T\nype='Infestation']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION/_CONDITION[@_T\nype='Dampness']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION/_CONDITION[@_T\nype='Settlement']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='F\noundation' ]/@_Description\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='W\nalls' ]/@_Description\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='R\noofSurface' ]/@_Description\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='G\nuttersAndDownspouts' ]/@_Description\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='W\nindowType' ]/@_Description\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='W\nindowStormSash']/@_Description\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/EXTERIOR_FEATURE[@_Type='W\nindowScreens' ]/@_Description\n"} diff --git a/chunks/json/781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25.json b/chunks/json/781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25.json new file mode 100644 index 0000000000000000000000000000000000000000..1acb9b9215d3ac9665dbaf363ee935228fed09e2 --- /dev/null +++ b/chunks/json/781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1710,"char_start":0,"chunk_id":"chk_f7cd409352f985f9","chunk_index":0,"chunk_sha256":"781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/media\"\ndate_accessed: \"2026-01-27T17:47:50.526Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43.json b/chunks/json/78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43.json new file mode 100644 index 0000000000000000000000000000000000000000..26155ee57e09d2027dfd862d300832501e286691 --- /dev/null +++ b/chunks/json/78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":319745,"char_start":318145,"chunk_id":"chk_fff41c0c56f01bea","chunk_index":183,"chunk_sha256":"78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"MERS\n\nMortgage Electronic Registration System (keeps track of transfers of and modifications to servicing rights and\nownership of the mortgage loans)\n\nMI\n\nMortgage insurance or any functional equivalent\n\nMIN\n\nMortgage Identification Number. A unique 18–digit number assigned to loans registered with MERS\n\nMISMO®\n\nMortgage Industry Standards Maintenance Organization® (the administrator and developer of the electronic\ndata standards leveraged by the UMDP initiatives)\n\nMISMO LDD\n\nMISMO Logical Data Dictionary\n\nMISMO v3.3.0\nReference Model /\nStructures\n\nMISMO Version 3.3.0.0 Reference Model Build 299. The hierarchical organization of XML elements\n(containers and data points) providing an entity-relationship model of the mortgage life cycle.\n\nNMLS\n\nNationwide Multistate Licensing System & Registry (a secure online licensing system for mortgage loan\noriginators, lenders, and servicers).\n\nP&I\n\nPDF\n\nQM\n\nPrincipal and Interest\n\nPortable Document Format (an ISO standard file format developed by Adobe to enable documents to be\npresented to a user no matter the generating application software, hardware or operating system)\n\nQualified Mortgage (A category of loans that have certain, more stable features that help make it more likely\nthat borrowers will be able to afford their loans; a concept of CFPB’s ATR Rule that requires lenders to make\na reasonable and good faith determination that borrowers are able to pay back the loan. A QM loan is one\nwhere the lender met certain requirements and is assumed to have followed the ability-to-repay rule. The\nonly type of loan the GSEs may purchase.)\n"} diff --git a/chunks/json/78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f.json b/chunks/json/78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f.json new file mode 100644 index 0000000000000000000000000000000000000000..0c09e02a24fc9047aeb635d628d5ece16d488aa3 --- /dev/null +++ b/chunks/json/78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":249620,"char_start":248023,"chunk_id":"chk_fa0f7a7fe0a56976","chunk_index":144,"chunk_sha256":"78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1350 Riverside Ave, NW\nUnit 1627\nWashington, DC 20001\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nMLS 23412-D |\nAssessor Record\n\nMLS 32481-D |\nAssessor Record\n\n$585,000\n\nPending\n\n$585,000\n\nNo\n\n08/23/2019\n\n30\n\n0.0 Miles\n\n$600,000\n\nSettled Sale\n\n—\n\n$600,000\n\n$0\n\n$0\n\n$0\n\n$6,000\n\n08/07/2019\n\n08/12/2019\n\n10\n\nAttached\n\nAttached\n\n0.0 Miles\n\n$615,000\n\nSettled Sale\n\n—\n\n$621,000\n\n$0\n\n$0\n\n$0\n\n$5,000\n\n07/20/2019\n\n08/04/2019\n\n25\n\nAttached\n\nMLS 12438-D |\nAssessor Record\n\n0.13 Miles NW\n\n$570,000\n\nSettled Sale\n\n—\n\n$570,000\n\nNo\n\n06/28/2019\n\n07/14/2019\n\n40\n\nAttached\n\n$0\n\n$0\n\n$0\n\nXYZ Apartments\n\nXYZ Apartments | Yes\n\nXYZ Apartments | Yes\n\nMNO Apartments | No\n\n$2,631\n\n$2,631\n\n$2,631\n\n$2,096\n\nCommon Amenities/Services\n\nInground Pool | Theater\n\nInground Pool | Theater\n\nInground Pool | Theater\n\nClubhouse | Fitness Area |\nInground Pool\n\nSite\n\nProperty Restriction\n\nHistoric Preservation\n\nHistoric\nPreservation\n\nHistoric\nPreservation\n\n—\n\n$10,000\n\nParking Lot | Full\nCity Street | Partial\n\nResidential | Full\nCity Street | Full\n\n$0\n\nResidential | Full\nCity Street | Full\n\n$0\n\nResidential | Full\nPark | Full\n\n$(10,000)\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nStructure Design\n\nHeating\n\nUnit(s)\n\nFloor Number\n\nBedrooms\n\nBaths - Full | Half\n\n1971\n\nHigh-rise\n\n1971\n\nHigh-rise\n\n1971\n\nHigh-rise\n\n1965\n\nHigh-rise\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\n$0\n\n$0\n\n12\n\n1\n\n1 | 0\n"} diff --git a/chunks/json/781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14.json b/chunks/json/781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14.json new file mode 100644 index 0000000000000000000000000000000000000000..138797d87363dbf95d4a761be62dfe03218bdfb1 --- /dev/null +++ b/chunks/json/781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2703,"char_start":2179,"chunk_id":"chk_6f8e6b1bc606f5c7","chunk_index":2,"chunk_sha256":"781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"One-to-One Relationship ........................................................................................................ 7\n\nOne-to-Many Relationship ...................................................................................................... 7\n\nMany-to-Many Relationship.................................................................................................... 8\n\nReflexive Relationship ........................................................................................................... 8\n"} diff --git a/chunks/json/7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a.json b/chunks/json/7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a.json new file mode 100644 index 0000000000000000000000000000000000000000..a86db2f4738bd55c751f23ac1452b409e2c53350 --- /dev/null +++ b/chunks/json/7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3746,"char_start":0,"chunk_id":"chk_83b1b99abf006975","chunk_index":0,"chunk_sha256":"7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_60f757f2b7ec8f74","text_sha256":"7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a","token_estimate":937,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2022.pdf"]},"text":"2022 FHLBank Public Use Database\n\nEffective January 1, 2019\n\nBusiness Name\n\nDefinition\n\nNew Field Name (2019-Present)\n\nYear\nLoanCharacteristicsID\nBank\nFIPSStateNumericCode\nFIPSCountyCode\nCoreBasedStatisticalAreaCode\n\nPrevious Field Name\n(Prior to 2019)\nYear\nAssigned ID\nBank\nFIPSStateCode\nFIPSCountyCode\nMSA\n\nYear\nLoan Characteristics ID\nBank\nFIPS State Numeric Code\nFIPS County Code\nCore Based Statistical Area Code\n\nCensusTractIdentifier\n\nTract\n\nCensus Tract Identifier\n\nCensusTractMinorityRatioPercent\n\nMinPer\n\nCensus Tract Minority Ratio Percent\n\n1\n2\n3\n4\n5\n6\n\n7\n\n8\n\n9\n10\n\nCensusTractMedFamIncomeAmount\nLocalAreaMedianIncomeAmount\n\nTraMedY\nLocMedY\n\nCensus Tract Median Family Income Amount\nLocal Area Median Income Amount\n\n11\n\nTotalMonthlyIncomeAmount\n\nIncome\n\nTotal Monthly Income Amount\n\n12 HUDMedianIncomeAmount\n\nCurAreY\n\nHUD Median Income Amount\n\n13\n\nLoanAcquisitionActualUPBAmt\n\n14\n\nLTVRatioPercent\n\n15 NoteDate\n16\n17\n\nLoanAcquistionDate\nLoanPurposeType\n\nUPB\n\nLTV\n\nMortDate\nAcquDate\nPurpose\n\nLoan Acquisition Actual UPB Amount\n\nLTV Ratio Percent\n\nNote Date\nLoan Acquisition Date\nLoan Purpose Type\n\n18\n\nProductCategoryName\n\nProduct\n\nProduct Category Name\n\n19 MortgageType\n\nFedGuar\n\nMortgage Type\n\n20\n21\n\nScheduledTotalPaymentCount\nLoanAmortizationMaxTermMonths\n\nTerm\nAmorTerm\n\nScheduled Total Payment Count\nLoan Amortization Max Term Months\n\n22 MortgageLoanSellerInstType\n\nSellType\n\nMortgage Loan Seller Inst Type\n\n23\n24\n\nBorrowerCount\nBorrowerFirstTimeHomebuyer\n\n25\n\nBorrower1Race1Type\n\nNumBor\nFirst\n\nBoRace\n\nBorrower Count\nBorrower First Time Homebuyer Indicator\n\nBorrower1 Race 1 Type\n\nYear Loan Was Reported\nUnique Record ID (not actual loan number)\nName of Federal Home Loan Bank District\n2 Digit FIPS State Code\n3 Digit FIPS County Code\nThe Property's Five Digit numeric CBSA; 99999 if\nstate/county/tract combo is not in a CBSA or MSA\nThe property's Census Tract of Block Numbering Area\n(BNA)\nThe percentage of the property's census tract\npopulation that is minority.\nThe property's census tract median family income.\nThe property's median income for the area based on\nthe most recent decennial census.\nThe total monthly qualifying income used for\nunderwriting in whole dollars for all borrowers on the\nloan.\nCurrent median income for a family of four for the area\nas established by HUD\nThe Amount of unpaid principal balance in whole\ndollars when acquired by the FHLBank.\nThe loan-to-value ratio of the mortgage at time of\norigination.\nYear the mortgage was originated.\nYear the mortgage was acquired.\nPurpose of Loan: 1 = Purchase, 2 = No-Cash Out\nRefinancing, 3 = Second Mortgage, 4 = New\nConstruction, 5 = Rehabilitation or Home\nImprovement, 6 = Cash-out Refinancing, 7 = Other\nProduct type of Mortgage: 01=Fixed Rate, 02=ARM,\n03=No Longer in Use, 04=GPM/GEM, 05=Reverse\nAnnuity Mortgage, 06=Other, 07-98=Reserved for\nfuture use\nType of Mortgage and whether the mortgage is\nguaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA\nRural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-\nFHA\nTerm of the Mortgage in Months\nFor Amortizing Mortgages, term of amortization in\nmonths; 998 if non-amortizing loan\nType of Institution from which the FHLBank acquired\nthe mortgage. 01=Insured depository institution,\n02=Housing Associate, 03=Insurance Company, 04=Non-\nFederally Insured CU, 05=Non-Depository CDFI,\n06=Other FHLBank, 09=Other\nNumber of Borrowers\nNumeric code indicating whether borrower is a first\ntime homebuyer. 0 = No, 1 = Yes\nNumeric code indicating the race of the Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby Borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership)\n"} diff --git a/chunks/json/785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5.json b/chunks/json/785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5.json new file mode 100644 index 0000000000000000000000000000000000000000..642eb235300a70259d69c034b3f8a16891607175 --- /dev/null +++ b/chunks/json/785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11606,"char_start":9857,"chunk_id":"chk_78d4a174f3b98045","chunk_index":6,"chunk_sha256":"785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5","token_estimate":438,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"PropertyPhoto\n\n\\\\Images\\SF2_Comp4.png\n\nimage/png\n\n15\n\n880000\n\nPending\n\n25.165169\n\n-51.328129\n\nDeck\n\nDeck\n\nOutdoorLiving\n\n3\n\nIndoorFireplace\n\nElevator\n\nWholeHome\n\n0\n\nAttached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ3\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\n880000\n\n2019-05-01\n\n2017-05-30\n\n715000\n\nSale\n\nNone\n\nfalse\n\nBusyRoadway\n\nPark\n\n1976\n\nFull\n\nResidential\n\n7890 Some Pl\n\nAnywhere\n\n20854\n\nMD\n\nBuiltIn\n\nGarage\n\n2\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSiteSize\n\n0\n\nView\n\n0\n\nLivingUnitBedroomCount\n\n5000\n\nLivingUnitBathroomCount\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n6000\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n891000\n\nSouthWest\n\nLess\n\ntrue\n\nfalse\n\nOther\n\nUnknown\n\n256\n\n5\n\n.03\n\n11000\n\nDwelling\n\n2016\n\nfalse\n\n272\n\n3442\n\n420\n\nfalse\n\n4\n\n3\n\n2\n\nC3\n\nQ2\n\nRowhouseTownhouse\n\nBrick\n\nWood\n\nExteriorWallsAndTrim\n\nC3\n\nQ3\n\n1\n\nfalse\n\ntrue\n\nfalse\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF2_Comp5.png\n\nimage/png\n\n19\n\n890000\n\nPending\n\n25.165168\n\n-51.328130\n\nDeck\n\nDeck\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nElevator\n\nWholeHome\n\n0\n\nAttached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ3\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\ntrue\n\n880000\n\n2019-06-01\n\nNone\n\nfalse\n\nBusyRoadway\n\nPark\n\n2111\n\nFull\n\nResidential\n\nPartial\n\nCommercial\n\n456-B124\n\nClient\n\nNowhere432159\n\nValuationSoftwareVendor\n\nOther\n\nNot applicable for attached properties as prospective purchasers do not consider individual constuction as a method when purchasing this type of property.\n\nInsufficientData\n\nComparables #1, #2, #4, and #5 were given most weight based on proximity and similarities to the subject. Comparables #4 and #5 are under contract and included as additional support for the value estimate. The contract price was verified with the agent for both comparables #4 and #5.\n"} diff --git a/chunks/json/78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1.json b/chunks/json/78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1.json new file mode 100644 index 0000000000000000000000000000000000000000..35b60a036f6c67b9d775dbe61580085ff36b4e63 --- /dev/null +++ b/chunks/json/78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8123,"char_start":6581,"chunk_id":"chk_665c835cf8b924e0","chunk_index":4,"chunk_sha256":"78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d6b9a54a1de1ce5b","text_sha256":"78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1","token_estimate":386,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-april-15-2023.pdf"]},"text":"COVID-19 Retirement\n\nLender Letter LL-2021-03 was updated on Feb. 15, 2023, and retired the remaining COVID-19 temporary documentation and\neligibility requirements. The COVID-19 message issued by DU will now be retired.\n\nSweat Equity\n\nSelling Guide Announcement SEL-2023-02 specified updated guidelines for HomeReady loans where sweat equity is being used.\nThe DU messages issued when sweat equity is provided as an Other Credit (Line M. of Section L4 of the loan application) will be\nupdated to support this policy change.\n\nLarge Deposits\n\nDU will issue a new message on purchase transactions reminding lenders when large deposits need to be documented. This\nmessage will specify that the lender must document that any deposit that exceeds a specific dollar amount (50% of the total\nqualifying income) is from an acceptable source when depository assets are used to support the amount of funds required and\nreserves.\n\nNote: When assets are validated by the DU validation service, this new message will not be issued.\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an\nIntegration Impact Memo will be posted on the Technology Integration page.\n\n© 2023 Fannie Mae.\n\n3.24.23\n\n3 of 3\n"} diff --git a/chunks/json/785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91.json b/chunks/json/785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91.json new file mode 100644 index 0000000000000000000000000000000000000000..d659469cda07e9a60b1db96a595788afb000a420 --- /dev/null +++ b/chunks/json/785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91.json @@ -0,0 +1 @@ +{"chunk":{"char_end":110914,"char_start":109148,"chunk_id":"chk_d85d7158cc1916e3","chunk_index":65,"chunk_sha256":"785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91","token_estimate":442,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Electricity']/@_Non\nPublicDescription\n\n25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of electric service if present and not public.\nIf no electric service is present, enter 'None' in the description field.\n\nUtilities\nGas\nPublic\n\nUtilities\nGas\nOther\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified\nby Site Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Gas']/@_PublicIndi\ncator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified\nby Site Utility Type is a non-public\nutility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Gas']/@_NonPublic\nIndicator\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\nIf no gas service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\n1\n\n1\n\nIf no gas service is present, indicate 'None' in the description field.\n\nUtilities\nGas\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe\nthe ownership of the utility specified\nby Site Utility Type if it is a non-\npublic utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Gas']/@_NonPublic\nDescription\n\n25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of gas service if present and not public. If\nno gas service is present, enter 'None' in the description field.\n"} diff --git a/chunks/json/78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2.json b/chunks/json/78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2.json new file mode 100644 index 0000000000000000000000000000000000000000..2b9551c98cefcfba83be2961a7aad8c3ef56aa7f --- /dev/null +++ b/chunks/json/78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40221,"char_start":39717,"chunk_id":"chk_8f375bb239825697","chunk_index":65,"chunk_sha256":"78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2","token_estimate":466,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Overview ....................................................................................................................................................... 85\n\nHeader Text ......................................................................................................................................................... 85\n\nFooter Text .......................................................................................................................................................... 85\n"} diff --git a/chunks/json/7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214.json b/chunks/json/7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214.json new file mode 100644 index 0000000000000000000000000000000000000000..3df1600e196ffd57bddc088babcbb86d41e263db --- /dev/null +++ b/chunks/json/7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214.json @@ -0,0 +1 @@ +{"chunk":{"char_end":325966,"char_start":324358,"chunk_id":"chk_042d30431970b7fd","chunk_index":179,"chunk_sha256":"7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"represent and warrant that the property is sound and structurally secure and that the property is not in C6\ncondition. See Selling Guide A2-2-06, Representations and Warranties on Property Value and SB4-1.3-06,\nDwelling Condition and Quality of Construction for additional information.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 123 of 166\n\nUAD 3.6 Policy\n\nExercising Value Acceptance\n\nA lender may only exercise value acceptance when\n\n•\n•\n•\n\nthe final submission of the loan casefile to DU resulted in a value acceptance offer,\nan appraisal is not obtained for the transaction, and\nthe value acceptance offer is not more than four months old on the date of the note and the mortgage.\n\nLenders that elect to exercise value acceptance must include Special Feature Code (SFC) 801 at loan delivery. Lenders may not\nadversely select against Fannie Mae in determining which value acceptance offers to accept. Fannie Mae may monitor the\nlender’s exercise of value acceptance offers and delivery of loans to Fannie Mae and may take appropriate measures if adverse\nselection is identified.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 124 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-11, Value Acceptance + Property Data (06/04/2025)\n\nIntroduction\n\nThis topic contains information on value acceptance + property data including:\n\nEligible Transactions\nIneligible Transactions\n\n• Overview\n•\n•\n• Representations and Warranties\n• Property Data Collection\n• Property Data Collector\n•\n• Property Data Collection with Needed Repairs or Completion Verification\n\nExercising Value Acceptance + Property Data\n\nOverview\n"} diff --git a/chunks/json/7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5.json b/chunks/json/7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5.json new file mode 100644 index 0000000000000000000000000000000000000000..7ae933012872c575287cb86709b5238ad92e350f --- /dev/null +++ b/chunks/json/7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3309,"char_start":1656,"chunk_id":"chk_51ab318274c36b04","chunk_index":1,"chunk_sha256":"7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_74693827ca0fe5b1","text_sha256":"7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021.pdf"]},"text":"For casefiles created on or after April 18, 2021, when a VOA has been obtained for a borrower, and gift funds are entered in DU, the\nDU validation service will attempt to validate assets. If the VOA report indicates the borrower has enough assets in their accounts\nto cover the Total Funds to be Verified, the DU validation service will issue the following messages:\n\n• The existing DU validation service message indicating that assets have been validated and the asset report is\n\nacceptable documentation,\n\n• A new message that requires verification that the gift is from an eligible source if the gift funds have been\n\ndeposited in the borrower’s asset accounts, and\n\n• The existing DU message that is displayed on all loans with gifts that requires documentation and verification of\n\nthe gift in accordance with the Selling Guide.\n\nNOTE | When the DU validation service validates assets on transactions with gift funds, the lender must ensure that gift\nfunds that appear as deposits on the VOA report (if any) are from an acceptable source and are eligible for the transaction.\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\n\n2.22.21\n\n1 of 3\n\nReview of assets when no asset verification required\nCurrently, when a VOA report has been obtained by DU and the Total Funds to be Verified amount is $0.00, the DU validation\nservice will issue a message indicating that the casefile is not eligible for asset validation. With this update, a new message will be\ndisplayed to indicate that an eligible VOA report has been obtained and the loan may be eligible for asset validation if the amount\nof assets required increases and the loan is resubmitted to DU.\n"} diff --git a/chunks/json/7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e.json b/chunks/json/7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e.json new file mode 100644 index 0000000000000000000000000000000000000000..0242cb36a717aac0b1c2ac15c9342d63ab693f20 --- /dev/null +++ b/chunks/json/7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13276,"char_start":11677,"chunk_id":"chk_2f1762226d80d61b","chunk_index":7,"chunk_sha256":"7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"OutdoorLivingAmenity\n\n913000\n\nSouth\n\nMost\n\n590\n\n4\n\n0.12\n\n-2000\n\ntrue\n\ntrue\n\nImpactResistantGlass\n\nImpactResistantShingles\n\ntrue\n\nGold\n\nLEED\n\n500\n\nMonthly\n\nAssociationDues\n\nDwelling\n\n2018\n\nfalse\n\nNylon Short Loop and Engineered Wood\n\nFlooring\n\n9 Ft. | Custom\n\nWallsAndCeiling\n\n300\n\n1550\n\n1250\n\nfalse\n\n3\n\n2\n\n1\n\nC1\n\nQ3\n\n2\n\nMixture of Tile and Granite\n\nCommercial Grade Appliances\n\nKitchen\n\nCementBoard\n\nExteriorWallsAndTrim\n\nBasement\n\nFoundation\n\nComposition\n\nRoof\n\nC1\n\nQ3\n\n1\n\n360\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo2_Comp4.jpg\n\nimage/jpeg\n\n28\n\n915000\n\nActive\n\n25.165177\n\n-51.328129\n\nGrammy Gold\n\nClubhouse\n\nClubMembership\n\nGatedCommunity\n\nIngroundPool\n\nOther\n\nSnow Removal\n\nTrashRemoval\n\nCondominium\n\nGrammy Gold\n\nDeck\n\nPatio\n\nPorch\n\nOutdoorLiving\n\n2\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC1\n\nQ3\n\nfalse\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\nNone\n\nfalse\n\nOther\n\nGated Community\n\nGolfCourse\n\n14100\n\nFull\n\nGolfCourse\n\nFull\n\nResidential\n\n1522 Akyawentuo Ave\n\nAnytown\n\n54321\n\nIL\n\nNorthEast\n\n1\n\n0.25\n\nDwelling\n\n2705\n\n3\n\n2\n\n1\n\nC2\n\nSimilar\n\nSimilar\n\nMost\n\n3500\n\nSimilar\n\nSimilar\n\n1.29\n\n2018-03\n\n3500\n\nPropertyPhoto\n\n\\\\Images\\Condo2_RentComp1.jpg\n\nimage/jpeg\n\n25.165174\n\n-51.328126\n\nGrammy Gold\n\ntrue\n\nfalse\n\nfalse\n\n13400\n\n2345467 Golden Tail St\n\nAnytown\n\n54321\n\nIL\n\nWest\n\n2\n\n0.2\n\nDwelling\n\n2810\n\n4\n\n3\n\n0\n\nC2\n\nSimilar\n\nSimilar\n\nMost\n\n3400\n\nSimilar\n\nSimilar\n\n1.28\n\n2018-01\n\n3600\n\nPropertyPhoto\n\n\\\\Images\\Condo2_RentComp2.jpg\n\nimage/jpeg\n\n25.165175\n\n-51.328127\n\nGrammy Gold\n\ntrue\n\nfalse\n\nfalse\n\n14230\n\n234912 Whitecrest Dr\n\nAnytown\n\n54321\n\nIL\n\nEast\n\n3\n\n1.5\n\nDwelling\n\n2905\n\n3\n\n2\n\n1\n"} diff --git a/chunks/json/788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6.json b/chunks/json/788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6.json new file mode 100644 index 0000000000000000000000000000000000000000..2b3a6d6ce69eadc196cfef841b88d4ffe2af00dc --- /dev/null +++ b/chunks/json/788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2175633,"char_start":0,"chunk_id":"chk_6f33b6370beef059","chunk_index":0,"chunk_sha256":"788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6","date_utc":"2026-01-27T18:13:06+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_32cd98a2ff35de9d","text_sha256":"788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_ctf/2024_PUDB_MF_CTF/2024_pudb_mf_ctf_fhlmc.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 2 | record_num_mf_ctf: 20000001 | state_fips: 48 | cbsa_metro_code: 12420 | county_fips: 491 | tract_2020: 020349 | tract_minority_pct: 43.46 | tract_income_med: 101288 | ami_local: 115204 | tract_income_ratio: 0.8792 | ami_hud: 126000 | upb_acq: 32815000 | purpose_ctf: 2 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 55.81 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 5 | rate_orig: 5.220 | upb_orig: 32815000 | property_value: 58805000 | term_prepay_penalty: 57 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 2 | record_num_mf_ctf: 20000002 | state_fips: 06 | cbsa_metro_code: 41860 | county_fips: 001 | tract_2020: 422400 | tract_minority_pct: 58.95 | tract_income_med: 128750 | ami_local: 154003 | tract_income_ratio: 0.8360 | ami_hud: 166600 | upb_acq: 3965000 | purpose_ctf: 7 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 4 | ltv: 61.60 | same_year_acq: 2 | term_orig: 360 | units_num_cat: 1 | rate_orig: 3.100 | upb_orig: 3965000 | property_value: 6005000 | term_prepay_penalty: 47 | balloon: 9 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 1 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 2 | record_num_mf_ctf: 20000003 | state_fips: 06 | cbsa_metro_code: 20940 | county_fips: 025 | tract_2020: 010900 | tract_minority_pct: 86.32 | tract_income_med: 61472 | ami_local: 60776 | tract_income_ratio: 1.0115 | ami_hud: 65300 | upb_acq: 4425000 | purpose_ctf: 1 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 69.12 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 3 | rate_orig: 5.580 | upb_orig: 4425000 | property_value: 6405000 | term_prepay_penalty: 36 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 99 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 2 | record_num_mf_ctf: 20000004 | state_fips: 47 | cbsa_metro_code: 34980 | county_fips: 165 | tract_2020: 021105 | tract_minority_pct: 30.80 | tract_income_med: 96582 | ami_local: 96905 | tract_income_ratio: 0.9967 | ami_hud: 104700 | upb_acq: 17055000 | purpose_ctf: 1 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 70.00 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 5 | rate_orig: 5.410 | upb_orig: 17055000 | property_value: 24365000 | term_prepay_penalty: 57 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 2 | record_num_mf_ctf: 20000005 | state_fips: 34 | cbsa_metro_code: 35620 | county_fips: 035 | tract_2020: 053602 | tract_minority_pct: 26.40 | tract_income_med: 220016 | ami_local: 113844 | tract_income_ratio: 1.9326 | ami_hud: 119300 | upb_acq: 6975000 | purpose_ctf: 2 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 83.05 | same_year_acq: 2 | term_orig: 192 | units_num_cat: 2 | rate_orig: 4.690 | upb_orig: 6975000 | property_value: 8405000 | term_prepay_penalty: 180 | balloon: 1 | io: 9 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 100 | construct_method: 1 | tract_rural: 1 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 2 | record_num_mf_ctf: 20000006 | state_fips: 37 | cbsa_metro_code: 16740 | county_fips: 119 | tract_\n"} diff --git a/chunks/json/788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812.json b/chunks/json/788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812.json new file mode 100644 index 0000000000000000000000000000000000000000..32e696eba5affe13a89da8fb7906f522e78f49f8 --- /dev/null +++ b/chunks/json/788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_685ec25c5f636faf","chunk_index":0,"chunk_sha256":"788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812","date_utc":"2026-01-27T17:54:25+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b16040470649dbe","text_sha256":"788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Legal_Documents___Suspensions___FHFA_ijc7z7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/legal-documents\"\ndate_accessed: \"2026-01-27T17:54:20.421Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 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Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba.json b/chunks/json/7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba.json new file mode 100644 index 0000000000000000000000000000000000000000..ff5a2fe0f7f74a3d9cd8d5a6d65c5991a7af1450 --- /dev/null +++ b/chunks/json/7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":130851,"char_start":129213,"chunk_id":"chk_4bfba841ad70886e","chunk_index":73,"chunk_sha256":"7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba","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":"Property Valuation Methods and Property Types\n\nFor certain loan casefiles, DU offers a traditional appraisal, hybrid appraisal, and/or a desktop appraisal option. Lenders must\ndetermine eligibility for the property valuation method based on the criteria of the loan transaction.\n\nThe property valuation method is based on the scope of work performed by the appraiser. Below is a description of each property\nvaluation method:\n\n•\n\nTraditional Appraisal: An appraisal assignment for which the scope of work includes an interior and exterior on-site\ninspection of the subject property completed by the appraiser who signs the appraisal report. The effective date of the\ntraditional appraisal is the date of inspection.\n\n• Hybrid Appraisal: An appraisal assignment for which the scope of work includes using a recent collection of property data\n\nin lieu of the appraiser performing an on-site inspection. The collection of property data must comply with the Uniform\nProperty Dataset (UPD). The effective date of the hybrid appraisal is the date the appraiser develops the opinion of value.\n\n• Desktop Appraisal: An appraisal assignment for which the scope of work includes using third party data sources, other\nthan a recent collection of property data, in lieu of an appraiser performing an on-site inspection. The effective date of\nthe desktop appraisal is the date the appraiser develops the opinion of value.\n\nNote: An on-site inspection is defined as a person being physically at a property gathering information as part of an appraisal;\nremotely viewing a property (otherwise known as a virtual inspection) is not an on-site inspection.\n"} diff --git a/chunks/json/789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d.json b/chunks/json/789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d.json new file mode 100644 index 0000000000000000000000000000000000000000..fdaf264318fb32dd4219af73e429a8b70026e147 --- /dev/null +++ b/chunks/json/789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21459,"char_start":19760,"chunk_id":"chk_11e0ca80b3805dcc","chunk_index":10,"chunk_sha256":"789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"SB5-7-03, High LTV Refinance Alternative Qualification\nPath (06/04/2025)\n\nB8-2-02, Special-Purpose Security Instruments\n(12/10/2025)\nChapter E-3 Acronyms and Glossary of Defined\nTerms (12/10/2025)\n\nSB8-2-02, Special-Purpose Security Instruments\n(12/10/2025)\nSE-3 Acronyms and Glossary of Defined Terms\n(12/10/2025)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 8 of 166\n\nUAD 3.6 Policy\n\nSB2-3-01, General Property Eligibility (12/10/2025)\n\nIntroduction\n\nThis topic contains information on Fannie Mae’s property eligibility requirements, including:\n\n• Overview\n• Number of Units\n• Property Location\n• Property Requirements\n• Acceptable Forms of Property Ownership\n• Acceptable Dwelling Types\n•\nIneligible Properties\n•\nLoan-Level Price Adjustments\n\nOverview\n\nFannie Mae purchases or securitizes eligible mortgages in all markets across a broad geographic range. This topic describes\nFannie Mae’s property eligibility requirements. The requirements are designed to address a wide range of property types with\nvarying characteristics; however, there may be instances when the unique nature of a particular property may require special\nconsideration. In those cases, Fannie Mae encourages lenders to contact their Fannie Mae customer account team.\n\nNumber of Units\n\nFannie Mae purchases or securitizes first-lien mortgages that are secured by residential properties when the dwelling consists of\none to four units. Under some circumstances, Fannie Mae limits the number of dwelling units for certain types of mortgages or\ntransactions. For the maximum allowable LTV, CLTV, and HCLTV ratios and credit score requirements based on the property type\nand number of units, see the Eligibility Matrix.\n"} diff --git a/chunks/json/78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833.json b/chunks/json/78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833.json new file mode 100644 index 0000000000000000000000000000000000000000..3ffe9efdbc941a1a5af5888fae67d310b2b27112 --- /dev/null +++ b/chunks/json/78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15055,"char_start":13278,"chunk_id":"chk_12be748b49027a62","chunk_index":8,"chunk_sha256":"78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833","token_estimate":445,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"C2\n\nInferior\n\nSimilar\n\nLess\n\n3575\n\nSimilar\n\nInferior\n\n1.15\n\n2017-12\n\n3350\n\nPropertyPhoto\n\n\\\\Images\\Condo2_RentComp3.jpg\n\nimage/jpeg\n\n25.165176\n\n-51.328128\n\nPlatinum Records\n\ntrue\n\nfalse\n\nfalse\n\n13800\n\n123423 Stoneback Dr\n\nAnytown\n\n54321\n\nIL\n\nEast\n\n4\n\n1.7\n\nDwelling\n\n2695\n\n4\n\n2\n\n1\n\nC2\n\nInferior\n\nSimilar\n\nLess\n\n3525\n\nSimilar\n\nInferior\n\n1.19\n\n2017-11\n\n3200\n\nPropertyPhoto\n\n\\\\Images\\Condo2_RentComp4.jpg\n\nimage/jpeg\n\n25.165177\n\n-51.328129\n\nPlatinum Records\n\ntrue\n\nfalse\n\nfalse\n\n12989\n\nAA-4456767\n\nClient\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nAll comparable properties used in this appraisal are considered to be similar in style, function, and utility as all are site condo properties similar in design style. All comparable properties are considered to be reasonable indicators of value. Comparable #3 is a recent new construction sale of a model match property which is located in the same project and has been constructed by the same builder as the subject property. Comparable #3 is the closed sale which is most similar to the subject and has been given most weight. Comparable sales #1 and #2 are similar site condo properties that are similar in design style. Both transactions show support for market acceptance of site condo properties from multiple builders within the market. Comparable #4 is an active listing and is very similar to the subject property. While comparable sales #1 and #2 are reasonable indicators of value as they have many similarities when compared to the subject, comparable properties #3 and #4 are strong indicators of value and were given most consideration due to the vast amount of similarities, very few differences, being located in the same development and constructed by the same builder as the subject property.\n"} diff --git a/chunks/json/78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2.json b/chunks/json/78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2.json new file mode 100644 index 0000000000000000000000000000000000000000..2ab1df7ceff4aaabd03db35ea5a67a40bbea8d88 --- /dev/null +++ b/chunks/json/78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46654,"char_start":45228,"chunk_id":"chk_66f8b4526f23d666","chunk_index":47,"chunk_sha256":"78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2","token_estimate":568,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\n20.000\n20.001\n\nNon-Arm’s Length Commentary\n\n20.00(cid:22)\n\nYes No\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n\n20.002\n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n20.004\n20.00(cid:24)\n20.00(cid:25)\n20.00(cid:26)\n\nPersonal property is not included in the appraiser’s final opinion of value\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\nTotal Sales Concessions\n\nTypical for Market\n\n20.00(cid:27)\n\n20.00(cid:28)\n\n20.0(cid:20)(cid:19)\n\nSales Contract Analysis(cid:1)\n20.0(cid:20)(cid:20)\nSales Contract Exhibits\n\n20.0(cid:20)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:19)(cid:17)(cid:19)(cid:20)(cid:21)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1)\n"} diff --git a/chunks/json/78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b.json b/chunks/json/78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b.json new file mode 100644 index 0000000000000000000000000000000000000000..fa94251b83101b680fec775df38d0107990d4f00 --- /dev/null +++ b/chunks/json/78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":77033,"char_start":75236,"chunk_id":"chk_1a171b03471f3af0","chunk_index":38,"chunk_sha256":"78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Summaries of Transactions\n\n11.0 – 13.0\n\nPayoffs and Payments\n\n25.0\n\nBORROWER’S TRANSACTION\n\nTO\n\nAMOUNT\n\n11.0 K. Due from Borrower at Closing\n\n11.4 Rho Servicing to pay off existing\nloan\n\n11.4.1 $350,000.00\n\n25.1 Rho Servicing to pay off existing\n\n25.1.1 $350,000.00\n\nloan\n\nBeta Card, Inc. to pay down credit\n\n11.4.1 $30,000.00\n\ncard balance\n\nBeta Card, Inc. to pay down credit\ncard balance\n\n$30,000.00\n\nThe GSEs require each liability to be itemized, even when the Model form is used. Each line item must identify the\ndisbursement, amount, payee and whether the liability is secured by the property. For document rendering, the applicable\nsection of the form must always be provided in gse:IntegratedDisclosureSectionType.\n\nThe disbursement is identified using LiabilityType. The payee is entered in FullName and the liability amount is provided\nin PayoffAmount. The value to provide for gse:IntegratedDisclosureSectionType depends on whether the Model or Alternate\nform is used. LIABILITY repeats for each line item as needed.\n\nLiabilityType has enumerated values to cover most scenarios in the closing process. In the rare situation when the\ndisclosed liability is not among UCD v2.0 supported enumerations, the value “Other” is used for LiabilityType and\nLiabilityTypeOtherDescription must be included with a value describing the item succinctly and clearly. This scenario is not\nincluded in UCD v2.0 Excerpt.\n\nIn UCD v2.0, the use of DisplayLabelText (FirstPositionMortgageLien) is optional. When used, it no longer requires a namespace prefix of\n“ucd:” or ”gse:”. While the prefix should be omitted, the GSEs’ UCD collection solutions will not signal an error if they are\nprovided.\n"} diff --git a/chunks/json/78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54.json b/chunks/json/78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54.json new file mode 100644 index 0000000000000000000000000000000000000000..95227a8055d91f254901b70ddc3c02cf58b122c0 --- /dev/null +++ b/chunks/json/78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24585,"char_start":22736,"chunk_id":"chk_15dc9e25be060581","chunk_index":14,"chunk_sha256":"78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54","token_estimate":463,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 13 of 22\nPage 13 of 22\n\nMarket\n\nMarket Area Boundary Route 7 to the north, Route 611 to the east, and Route 50 to the south and west.\n\nSearch Criteria Description Limiting factors of the market search include leasehold, a Lot Size between 7,500 and 21,780 square feet, with a\nproperty containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5\nbedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n15\n95\n$599,900\n$810,000\n$875,000\n3\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n34\n$599,900\n$810,000\n$949,999\nNo\nAbsorption Rate\nMedian Days on Market\nPrice Trend\nXYZ Housing Data\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\n3 to 6 months\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\nMarket for the settled sales were predominately in the 80-100 days range. Days on Market of current listings is trending higher than recent\nsales 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.\n\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\nconcessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was\ndetermined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.\n"} diff --git a/chunks/json/78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90.json b/chunks/json/78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90.json new file mode 100644 index 0000000000000000000000000000000000000000..eafff9bec9476afac1a11b08c101358255c62bcb --- /dev/null +++ b/chunks/json/78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1645,"char_start":0,"chunk_id":"chk_5d1f11c708ba2850","chunk_index":0,"chunk_sha256":"78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90","token_estimate":411,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Single Family Scenario 4 (Below Grade ADU)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n06/27/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a detached home with a below grade accessory dwelling unit (ADU). The site contains\n14,000 sq. ft. The primary dwelling contains 3,304 sq. ft. of finished above grade area, 640 sq. ft. of\nbelow grade finished area, and 616 sq. ft. of unfinished below grade area.\n\nThe ADU has 704 sq. ft. of below-grade finished area containing a bedroom, full bathroom, kitchen, and\nliving room. The ADU has an exterior walk out and no interior access to the primary dwelling.\n\nThe subject property has an attached two-car garage, detached two-car carport, and a four-car\ndriveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove.\n\nThe dwelling was 40 years old as of the effective date of the appraisal. Overall, the dwelling exhibits\ntypical wear and tear and is in C4 condition.\n"} diff --git a/chunks/json/78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d.json b/chunks/json/78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d.json new file mode 100644 index 0000000000000000000000000000000000000000..3dd795d4f85f4ef9b0b0900005669cd1f0888fd6 --- /dev/null +++ b/chunks/json/78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":87957,"char_start":86328,"chunk_id":"chk_4b692f51e278a810","chunk_index":52,"chunk_sha256":"78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@PropertyNeighborhoodLocati\nonType='Urban']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@PropertyNeighborhoodLocati\nonType='Suburban']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@PropertyNeighborhoodLocati\nonType='Rural']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_BuiltupRangeType='Over75\nPercent']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_BuiltupRangeType='25To75\nPercent']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_BuiltupRangeType='Under2\n5Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_GrowthPaceType='Rapid']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_GrowthPaceType='Stable']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_GrowthPaceType='Slow']\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_PropertyValueTrendType='I\nncreasing']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_PropertyValueTrendType='S\ntable']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_PropertyValueTrendType='\nDeclining']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_DemandSupplyType='Shorta\nge']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_DemandSupplyType='InBal\nance']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_DemandSupplyType='OverS\nupply']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_TypicalMarketingTimeDurat\nionType='UnderThreeMonths']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_TypicalMarketingTimeDurat\nionType='ThreeToSixMonths']\n\n8\n\n8\n\n8\n\n14\n\n14\n\n14\n\n6\n\n6\n\n6\n\n10\n\n10\n\n10\n\n10\n\n10\n\n10\n\n16\n\n16\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n"} diff --git a/chunks/json/78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b.json b/chunks/json/78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b.json new file mode 100644 index 0000000000000000000000000000000000000000..727d62f47555400d9c152469845b340af96b2042 --- /dev/null +++ b/chunks/json/78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32886,"char_start":32001,"chunk_id":"chk_dfb7c60be47fca98","chunk_index":34,"chunk_sha256":"78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b","token_estimate":407,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)\n\n(cid:22)\n\n(cid:20)(cid:21)\n\n(cid:21)(cid:17)(cid:19)(cid:20)\n\nOther Mechanical Systems\n\n(cid:20)(cid:21)(cid:20)(cid:21)\n\n(cid:26)(cid:17)(cid:19)(cid:17)(cid:19)(cid:20)\n\nApparent Defects, Damages, Deficiencies ([Outbuilding Type])\n\n(cid:20)(cid:21)(cid:20)(cid:21)(cid:17)(cid:19)(cid:17)(cid:19)(cid:20)\n\n(cid:27)(cid:3)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\n(cid:20)(cid:21)(cid:20)(cid:21) (cid:20)(cid:28)(cid:17)(cid:19)(cid:17)(cid:19)\n\nFeature\n(cid:19)(cid:17)(cid:19)(cid:21)\n(cid:20)(cid:21)\n\nLocation\n(cid:17)(cid:19)(cid:21)(cid:20)\n(cid:20)(cid:21)\n\nDescription\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:21)(cid:21)\n\nAffects Soundness or\nStructural Integrity\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:21)(cid:22)\n\nRecommended\nAction\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:21)\n(cid:23)\n"} diff --git a/chunks/json/78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08.json b/chunks/json/78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08.json new file mode 100644 index 0000000000000000000000000000000000000000..59aa7bb24d3c2819d849e6ae6471b6771179b7a9 --- /dev/null +++ b/chunks/json/78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08.json @@ -0,0 +1 @@ +{"chunk":{"char_end":335,"char_start":0,"chunk_id":"chk_fe443cc06098833d","chunk_index":0,"chunk_sha256":"78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1511481611b358b7","text_sha256":"78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08","token_estimate":100,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_5uy458.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-announcements\"\ndate_accessed: \"2026-01-27T17:46:01.873Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"} diff --git a/chunks/json/78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3.json b/chunks/json/78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3.json new file mode 100644 index 0000000000000000000000000000000000000000..fd76946ddabcc0762b132d8013a084dc87a61387 --- /dev/null +++ b/chunks/json/78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":642539,"char_start":640905,"chunk_id":"chk_054ced97ecd08b89","chunk_index":382,"chunk_sha256":"78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n•\n\n•\n\n•\n\nNotes:\n•\n\n23.01.17 Subtotal\n\nAlways required\n\nDollar amount\n\n23.01.18 Total\n\nAlways required\n\nDollar amount\n\nTotal Other Actual Income\nCalculated: The sum of Other Actual Income for all income types.\n\nTotal Actual Income\nCalculated: Total Monthly Actual Rent + Total Other Actual Income\n\nOpinion of Market Income (Monthly)\n\nRent\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nRent Schedule: Opinion of Market Income - Rent\n\n23.01.19 N/A\n\nDisplays if applicable\n\nFree-form\n\nUnit Identifier\nRedisplays from 23.01.01.\n\nAppendix F-1: URAR Reference Guide\n\nPage 284 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nRent Schedule: Opinion of Market Income - Rent\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n23.01.20 N/A\n\nRequired for each unit\nor ADU that is included\nin the Rental\nInformation section\n\nAllowable\nAnswers / Format\n\nDollar amount\n\n23.01.21 Subtotal\n\nAlways required\n\nDollar amount\n\nDefinition / Additional Guidance\n\nMonthly Market Rent for Unit: The monthly dollar amount that is expected to\nbe received as rental income at full market price for the single living unit.\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n•\n\nRent Schedule – Opinion of Market Income (Monthly) 23.01.20\nComparable Rental Analysis Summary 23.03.23\n\nTotal Monthly Market Rent\nCalculated: Total Monthly Market Rent for Unit for all units in the Rental\nInformation section.\nNote: For the subject property, this information also displays in the Income\nApproach section 24.022 if applicable.\n"} diff --git a/chunks/json/78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96.json b/chunks/json/78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96.json new file mode 100644 index 0000000000000000000000000000000000000000..9593816376682121393657ef9d62c29dc02e04ea --- /dev/null +++ b/chunks/json/78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96.json @@ -0,0 +1 @@ +{"chunk":{"char_end":797556,"char_start":795924,"chunk_id":"chk_a03734658001469d","chunk_index":473,"chunk_sha256":"78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nINFORMATION\n\nIs there any commercial space in the\nproject?\nIf Yes, describe and indicate the overall\npercentage of the commercial space.\n\nCommercial Space\nDescription\n\nA free-form text field describing the\ncommercial space.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@CommercialSpaceDescri\nption\n\n4000\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n4a\n\nHEADER\n\nBLANK\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n5\n\n6\n\n7\n\nPROJECT\nINFORMATION\n\nDescribe the condition of the project\nand quality of construction.\n\nPROJECT\nINFORMATION\n\nDescribe the common elements and\nrecreational facilities.\n\nPROJECT\nINFORMATION\n\nAre any common elements leased to or\nby the Homeowners' Association?\nYes\n\nProject Condition\nAnd Quality\nDescription\nProject Common\nElements\nDescription\nProject Common\nElements Leased\nIndicator\n\nA free-form text field used to describe the\ncondition of the project.\n"} diff --git a/chunks/json/78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0.json b/chunks/json/78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0.json new file mode 100644 index 0000000000000000000000000000000000000000..6952526fe441aec7256137a4acaa043a80b4fdf0 --- /dev/null +++ b/chunks/json/78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11332,"char_start":9727,"chunk_id":"chk_f155b04159b4f810","chunk_index":12,"chunk_sha256":"78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Scope\nThe following is a summary of the document chapters and purpose:\n\n▪ Chapter 2 - provides an overview of the MISMO v3.4 Reference Model, the associated schemas,\nand the corresponding MISMO Logical Data Dictionary (LDD). This chapter also provides an\noutline of the DU Spec, with important information about the data mapping, conditionality,\nconditionality statements, cardinality, and implementation notes.\n\n▪ Chapter 3 - provides helpful information to support the planning and implementation of the data\nrequirements outlined in the DU Spec. In addition, this chapter also includes sample steps to create\nan XML schema-based Loan Application Submission file.\n\n▪ Chapter 4 - provides information to help clarify the different purposes of the ULAD Mapping\n\nDocument and the DU Spec (from a business point of view).\n\n▪ Chapter 5 - includes a set of diagrams that show the MISMO v3.4 data structures that support each\n\nsection of the redesigned Form 1003.\n\n▪ Appendix A - contains a Glossary.\n▪ Appendix B – includes useful links to MISMO and DU Spec related materials\n\nBefore Starting\nThis section aims to provide a basic understanding of how to read the DU Spec and experienced developers\nmay want to skip to the next chapter. To upgrade your business solution to work with MISMO v3.4, you\nwill need to understand the MISMO Reference Model and its supporting artifacts. Refer to the section\nUnderstanding the MISMO v3.4 Reference Model Build 324 for more information.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n4\n\nComparing the redesigned Form 1003 to the MISMO Data Model\n"} diff --git a/chunks/json/78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9.json b/chunks/json/78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9.json new file mode 100644 index 0000000000000000000000000000000000000000..921fe799b2b58b35ee71b39ba3d04fb25a625744 --- /dev/null +++ b/chunks/json/78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":187780,"char_start":186163,"chunk_id":"chk_98849c4d4942a563","chunk_index":109,"chunk_sha256":"78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\n\nNumber of Comparable\nSales\n\nComparable Sales\nResearched Count\n\nSpecifies the total number of\ncomparable property sales researched.\n\nComparable Sales Price\nRange\nLow\nComparable Sales Price\nRange\nHigh\n\nComparable Sales\nPrice Range Low\nAmount\nComparable Sales\nPrice Range High\nAmount\n\nSpecifies the low sale value in the\nrange of values within the group of\ncomparable sales researched.\nSpecifies the high sale value in the\nrange of values within the group of\ncomparable sales researched.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@ComparableListingsResearchedCount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@ComparableListingsPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@ComparableListingsPriceRangeHighAmoun\nt\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@ComparableSalesResearchedCount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@ComparableSalesPriceRangeLowAmount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@ComparableSalesPriceRangeHighAmount\n\n50\n\n50\n\n50\n\n5\n\n15\n\n15\n\n5\n\n15\n\n15\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"} diff --git a/chunks/json/792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5.json b/chunks/json/792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5.json new file mode 100644 index 0000000000000000000000000000000000000000..094f83a3559138af06db05cab8c8eb52f6e2a2f1 --- /dev/null +++ b/chunks/json/792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":116170,"char_start":114175,"chunk_id":"chk_44c0284460020f32","chunk_index":67,"chunk_sha256":"792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5","token_estimate":499,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Exhibit 2: Requirements – Definitions of Not Updated, Updated, and\nRemodeled\n\nNot Updated\n\nLittle or no updating or modernization. This description includes, but is not limited to, new\nhomes.\n\nResidential properties of fifteen years of age or less often reflect an original\ncondition with no updating if no major components have been replaced or updated.\nThose over fifteen years of age are also considered not updated if the appliances,\nfixtures, and finishes are predominantly dated. An area that is ‘Not Updated’ may\nstill be well maintained and fully functional, and this rating does not necessarily\nimply deferred maintenance or physical/functional deterioration.\n\nPage 66 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nUpdated\n\nThe area of the home has been modified to meet current market\nexpectations. These modifications are limited in terms of both scope and cost.\n\nAn updated area of the home should have an improved look and feel, or functional\nutility. Changes that constitute updates include refurbishment and/or replacing\ncomponents to meet existing market expectations. Updates do not include\nsignificant alterations to the existing structure.\n\nRemodeled\n\nSignificant finish and/or structural changes have been made that increase\nutility and appeal through complete replacement and/or expansion.\n\nA remodeled area reflects fundamental changes that include multiple alterations.\nThese alterations may include some or all of the following: replacement of a\nmajor component (cabinet(s), bathtub, or bathroom tile), relocation of\nplumbing/gas fixtures/appliances, significant structural alterations (relocating\nwalls, and/or the addition of square footage). This would include a complete\ngutting and rebuild.\n"} diff --git a/chunks/json/79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0.json b/chunks/json/79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0.json new file mode 100644 index 0000000000000000000000000000000000000000..a2ede107ca06f0e832c77c64f335e372dcacc73f --- /dev/null +++ b/chunks/json/79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3227,"char_start":1601,"chunk_id":"chk_9c3b88a44b7ef362","chunk_index":1,"chunk_sha256":"79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_559d47b9f4cba12b","text_sha256":"79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-53-release-notes-feb-11-2022.pdf"]},"text":"• Option to clear form contents – A clear form button will be added to all Map Search forms,\n\nallowing users to clear all search filters in one click.\n\n• Broader search area – Geographic zoom limits will be modified to allow map searches on\n\nlarger areas.\n\n• Date format change - Date values will be updated to display in a consistent format (MM-DD-\n\nYYYY) on both the search forms and in the results tables.\n\n• New Number of Stories filter – Users will have the option to filter results by number of stories\n\nin the search form.\n\n• Subject property available in map and table – The subject property icon will be added into\n\n•\n\nthe map results and a subject property row will also be anchored at the top of the results table.\nImproved map positioning logic – All results in the map will be updated to center on subject\nproperty and display fully in-frame when search is executed.\n\n• New Year Built filter – Users will have the option to filter results by year-built range in the\n\nsearch form.\n\n• New Transaction Type filter – Users will have the option to filter results by transaction type\n(Purchase, Refinance, Other) in the search form and view the same field in the results table.\n\nGeneral Enhancements\n\nMaps (General)\n\nComparables\nPage Tables\n(General)\n\n• Map scale conversion – The default map scale units will change from kilometers to miles.\n•\nImproved map zoom logic - Maps by default will display all returned results in-frame at an\nappropriate zoom level.\n\n• Updated map pop-up function – Map icon pop-ups will now only appear when users hover\n\nover an icon, and a single click on the pop-up will pin it to the map.\n"} diff --git a/chunks/json/792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207.json b/chunks/json/792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207.json new file mode 100644 index 0000000000000000000000000000000000000000..a0958503f63ad17e4ee33af379e7c8afd9f26b7f --- /dev/null +++ b/chunks/json/792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1607,"char_start":0,"chunk_id":"chk_21340e9d288e219d","chunk_index":0,"chunk_sha256":"792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix E: Report Style Guide\nDocument Version 1.4\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. All Rights Reserved. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion Change # Revision Description\n\n2025-002 Corrected typo in Completion Report Footer Text.\n\n2025-006\n\nAdded Wingdings as an alternative for checkboxes.\nClarified to use a checkmark for selected checkboxes.\n\n2025-016\n\nAdded guidelines for the Sales Comparison Approach table Line\nDisplay.\n\n2025-019\n\nClarified what the “/” between two numbers means (e.g., 9/13) in\nthe Terminology Used in Style Guide chapter.\n\n06/10/2025\n\n1.4\n\n2025-025\n\nPhotos, Sketch, Graphs, Maps chapter name changed to Images;\nadded clarification on display of images. Modified Sample Full Page\nPhoto Layout.\n\n2025-041\n\nIncluded a reference to Appendix D-1: Sample Scenario SF5-A using\nalternative font.\n\n2025-052\n\nProvided example of the space between the bottom of one section\nand the top of the black tab of the next section (TAB).\n\n2025-054\n\nCorrected table layout for Depreciated Cost of Dwelling and\nOutbuilding in Cost Approach.\n\n2025-056 Corrected font size for HDR-L from 9 to 10.\n\n2024-002 Clarified column display for Comparable Rental Analysis\n\n09/17/2024\n\n1.3\n\n2024-043 Added Reconsideration of Value subsection\n\n2024-024 Removed “Property Value Trend” from Market section\n"} diff --git a/chunks/json/792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff.json b/chunks/json/792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff.json new file mode 100644 index 0000000000000000000000000000000000000000..fd26dcfc1ca5100550958d15f7dac3eb3e4e5c93 --- /dev/null +++ b/chunks/json/792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27169,"char_start":25462,"chunk_id":"chk_e89d7135550010ad","chunk_index":15,"chunk_sha256":"792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff","token_estimate":427,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"2020 Census Tract -\nPercent Minority\n\n3-6 digits with 2 implied decimals\nExample of data format: 002701 =\nCensus tract 27.01\n000000 = Missing\nExample of data format: 66.95 = 66.95\npercent of the census tract population\nis minority.\n9999.0 = Not available\n\n8\n\n6\n\ntract_income_med\n\n2020 Census Tract -\nMedian Income\n\n999999 = Not available\n\n9\n\n6\n\nami_local\n\nLocal Area Median\nIncome\n\n999999 = Not available\n\nThe tract number as used in the 2020\ndecennial census, with leading zeros when\napplicable, indicating where the property is\nlocated.\nThe percentage of the census tract’s\npopulation that is classified as belonging to a\nminority group, based on the 2020 decennial\ncensus. See definition of Minority in 12 CFR\n1282.1.\nThe 2024 median family income for the\ncensus tract (in whole dollars) based on 2020\nCensus geography and the most recent\nAmerican Community Survey (ACS) 5-year\nestimates available on January 1, 2024. The\nvalues for this field are supplied by FHFA.\n\nThe 2024 MSA median family income, or for\nproperties outside MSAs, the county median\nfamily income or the State non-metropolitan\nmedian income, whichever is greater, based\non 2020 Census geography and the most\nrecent ACS 5-year estimates available on\nJanuary 1, 2024. The values for this field are\nsupplied by FHFA.\n\nSF CTF\n\n20\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n8\n\n10\n\ntract_income_ratio\n\nTract Income Ratio\n\nExample of data format: 1.7500 = The\ntract income is 175 percent of the\nlocal area median income.\n9999.000 = Not able to code\n"} diff --git a/chunks/json/7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7.json b/chunks/json/7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7.json new file mode 100644 index 0000000000000000000000000000000000000000..542ed78888b5a0cedc1557f864427afad01cbb50 --- /dev/null +++ b/chunks/json/7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11960,"char_start":10348,"chunk_id":"chk_f19b7fa0f821285c","chunk_index":6,"chunk_sha256":"7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8cd058ee3404bf51","text_sha256":"7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Statements___FHFA_1jeous.md"]},"text":"FHFA Director Sandra L. Thompson issued the following statement on the Federal Home Loan Mortgage Corporation’s appointment of Diana Reid as its Chief Executive Officer: “I am delighted that Freddie Mac has selected Diana Reid as its next CEO. Diana brings with her decades of experience in mortgage...\n - Statement\n\nJune 21, 2024\n\n## [Statement of Director Sandra L. Thompson on the Conditional Approval of the Freddie Mac Second Mortgage Proposal](/news/statement/statement-of-director-sandra-l.-thompson-on-the-conditional-approval-of-the-freddie-mac-second)\n\nIn April, the Federal Housing Finance Agency (FHFA) published a notice of a proposed new product from Freddie Mac to purchase certain single-family closed-end second mortgages. This notice represented the first time a proposed new product from Freddie Mac or Fannie Mae (the Enterprises) was...\n - Statement\n\nMay 10, 2024\n\n## [Statement of Director Sandra L. Thompson on the FSOC Nonbank Mortgage Servicing Report](/news/statement/statement-of-director-sandra-l.-thompson-on-the-fsoc-nonbank-mortgage-servicing-report)\n\n​I commend the Financial Stability Oversight Council (FSOC) for the publication of its report on nonbank mortgage servicing. This report advances the work of federal and state agencies with oversight responsibility of the mortgage market, identifies vulnerabilities specific to nonbank mortgage...\n - Statement\n\nMay 6, 2024\n\n## [Statement of Director Sandra L. Thompson on Incentive-Based Compensation Joint Release](/news/statement/statement-of-director-sandra-l.-thompson-on-incentive-based-compensation-joint-release)\n"} diff --git a/chunks/json/793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe.json b/chunks/json/793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe.json new file mode 100644 index 0000000000000000000000000000000000000000..294656daa1a06e095349799f22f5eaf95287e1e8 --- /dev/null +++ b/chunks/json/793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":246986,"char_start":245377,"chunk_id":"chk_cea01623c9e3c91a","chunk_index":140,"chunk_sha256":"793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.231\n\nLATE_CHARGE\n\nGroups late charge information.\n\n999.635/999.636\n\nEXTENSION/OTHER\n\n999.637\n\ngse:LATE_CHARGE_RULES\n\n999.232\n\ngse:LATE_CHARGE_RULE\n\nUCD proprietary EXTENSION to allow collect multiple options\nfor late charges.\n\nHolds containers describing penalties for late mortgage loan\npayments.\n\nAt least one and no more than two instances must exist in the\nUCD file to capture how past due payment charges will be\nassessed.\n\nFigure 76. Rendering Late Charge Data on the CD.\n\nLoan Disclosures\n\n17.3 Late Payment\n\n17.0\n\nIf your payment is more than 10 days late, your lender will charge a late fee of $100\nOR 2% of the monthly principal and interest payment.\n\nData points in gse:LATE_CHARGE_RULE describe the penalty that may be imposed for a late loan payment, stated as either\na predetermined dollar amount or a percentage charge of the past due payment amount or both, along with the number of\ndays from the due date after which a past due payment fee will be assessed.\n\nTable 52. UCD v2.0 Spec Excerpt – Late Charges Data Requirements.\n\nUCD UID MISMO 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/LOANS/LOAN\n/LATE_CHARGE/EXTENSION/OTHER/gse:LATE_CHARGE_RULES/gse:LATE_CHARGE_RULE\n\n11.073\n\ngse:LateChargeAmount\n\n11.006\n\ngse:LateChargeGracePeriodDaysCount\n\n100.00\n\n10\n\n11.008\n\ngse:LateChargeType\n\nFlatDollarAmount\n\n…/LATE_CHARGE/EXTENSION/OTHER/gse:LATE_CHARGE_RULES/gse:LATE_CHARGE_RULE\n\n11.006\n\ngse:LateChargeGracePeriodDaysCount\n\n11.007\n\ngse:LateChargeRatePercent\n"} diff --git a/chunks/json/79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928.json b/chunks/json/79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928.json new file mode 100644 index 0000000000000000000000000000000000000000..dd1a43419068415197a49f82373fc5e88fa90d62 --- /dev/null +++ b/chunks/json/79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4072,"char_start":3435,"chunk_id":"chk_8fca00ad700e4e3b","chunk_index":2,"chunk_sha256":"79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_586c014b1d9bb782","text_sha256":"79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928","token_estimate":159,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-critical-edits-updates-phases-1-and-2-dec-2-2021.pdf","below_target_min_tokens"]},"text":"transition of these specific edits. Portions of the Closing Disclosure are used throughout the guide to illustrate data\nelements identified as “fatal” by highlighting those in bold font.\n\n▪ Review the Feedback Messages for the UCD Collection Solution. Each GSE published a list of feedback messages\n\nfor Phase 2 of the UCD Fatal Edits for their respective systems.\n\nAdditional Information\nPlease contact your account representative for assistance or submit your questions to our UCD mailbox: UCD@FannieMae.com.\nFor more information on UCD, visit the Fannie Mae UCD and UCD Collection Solution pages.\n\n© 2021 Fannie Mae.\n\n12.2.21\n\n2 of 2\n"} diff --git a/chunks/json/7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6.json b/chunks/json/7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6.json new file mode 100644 index 0000000000000000000000000000000000000000..c49479a56bf0c95a27e3f63d70b5b06608443573 --- /dev/null +++ b/chunks/json/7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1406,"char_start":0,"chunk_id":"chk_dfa04cb917ca3b31","chunk_index":0,"chunk_sha256":"7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cace16ee9ba672e","text_sha256":"7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6","token_estimate":352,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-aug-19-2021.pdf"]},"text":"New Endpoints for PE - Whole Loan Integration\n\nIntegration Impact Memo\n\nUpdated October 29\n\nAs of October 31, if you are not using the new endpoint addresses for the Pricing & Execution - Whole Loan® (PE -\nWhole Loan®) Production Environment and Test Environment, your ability to do business with Fannie Mae will be\ninterrupted. Below are resolutions to issues you may experience when migrating endpoints.\n\nPlease contact your Digital Alliance Manager or Sales Engineer for more information.\n\n# APIGEE Gateway Issues\n\nImpact\n\nStatus\nCode\n\nError\nDescription\n\nResolution\n\n1\n\nThere is no contact\nestablished in PEWL UI\n\nUnsuccessful response\n\n500\n\n2\n\nIf the required KEY\nheader is given as\nContent on the API call\n\nUnsuccessful response\n\n500\n\nXG_3071 Service\nEndpoint Not\nAvailable\n\nBefore making B2B calls, user\nneeds to log into PEWL UI\nhttps://pe.fanniemae.com/pe/login\nand create a contact (First Name,\nLast Name, Email, and Phone)\n\nXG_3071 Service\nEndpoint Not\nAvailable\n\nRequired Header\nKEY\nContent-Type\nVALUE\ntext/xml\n\n3\n\nIncorrect Authorization\nselected on the API call\n\nUnsuccessful response\n\n403\n\nFM_XG_201\nAccess Denied\n\nAuthorization\nTYPE = No Auth\n\n4\n\nIf the user enters invalid\ncredential in CLVE or\nPROD\n\nUnsuccessful response\n\n403\n\nFM_XG_201\nAccess Denied\n\nContact Technology Administrator\nto reset the password for CLVE or\nProduction credentials.\n\n© 2021 Fannie Mae\n\nOctober 2021 Page 1 of 1\n"} diff --git a/chunks/json/794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d.json b/chunks/json/794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d.json new file mode 100644 index 0000000000000000000000000000000000000000..f53a6ce3d55e2cdc0087c21cde1225f87918febd --- /dev/null +++ b/chunks/json/794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":396892,"char_start":395095,"chunk_id":"chk_5d1fc0c4c7b67d6d","chunk_index":221,"chunk_sha256":"794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"To assist lenders in originating manufactured home loans in various states, Fannie Mae publishes information on titling\nmanufactured homes as real property. Note, this information does not constitute legal advice; lenders must consult their own\nlegal counsel. See Titling Manufactured Housing.\n\nThe following requirements are also applicable:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 161 of 166\n\nUAD 3.6 Policy\n• The owner of the manufactured home must own the land on which the home is situated unless the manufactured\nhome is located in a condo or PUD project subject to a ground lease approved by Fannie Mae's Project Review\nEligibility Service (PERS).\n\n• The manufactured home must be attached to a permanent foundation on the land and comply with state and\n\njurisdictional requirements for permanent affixation.\n\n• A mortgage, deed of trust, or security deed must be recorded in the land records and must identify the encumbered\n\nproperty as including both the home and the borrower's interest in the land.\n\n•\n\nIf applicable state law so permits, any certificate of title to the manufactured home must be surrendered to the\nappropriate state government authority.\n\n•\n\nIf the certificate of title cannot be surrendered, the lender must indicate its lien on the certificate.\n\nFannie Mae prefers that a loan on the manufactured home and the land on which it is situated be secured by a single lien.\n\nHowever, it is recognized that some state laws do not provide for a single lien on both the manufactured home and the land.\nTherefore, a loan documented by a lien on the borrower's interest in the land evidenced by a mortgage, deed of trust or\nsecurity deed and by a real property lien on the manufactured home evidenced on the certificate of title or other document is\nacceptable.\n"} diff --git a/chunks/json/7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428.json b/chunks/json/7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428.json new file mode 100644 index 0000000000000000000000000000000000000000..94410d8724e104939da2ccf833ddc6b8aff2a616 --- /dev/null +++ b/chunks/json/7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33087,"char_start":31421,"chunk_id":"chk_3e77ac499c31e898","chunk_index":17,"chunk_sha256":"7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428","token_estimate":417,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"iii. Otherwise, if the values within\nborrower race1- borrower race5 indicate\nthat the borrower has selected more\nthan one of American Indian or Alaskan\nNative, Asian, Black or African\nAmerican, Native Hawaiian or Other\nPacific Islander, or White, then the\nsingle field’s value indicates ‘‘Two or\nmore races’’;\n\niv. Otherwise, the single field’s value\nindicates ‘‘not available/not applicable’’\n\n(i.e., no indication of race or ethnicity\nprovided).\n\nb. Single-family Data Field 41f:\nBorrower Ethnicity\n\nThis new data field identifies the\nethnicity of the borrower of the loan\nacquired by the Enterprise. The\nEnterprises have been reporting single-\nfamily borrower ethnicity to FHFA, but\nthese data were previously included\nunder code 7 (Hispanic or Latino) in\ndata field 41 in the single-family PUDB\nfiles and not as a separate data field.\nThe Enterprises did not comment on\nthis data field.\n\nTo conform to HMDA reporting\nrequirements for borrower ethnicity,\nFHFA has added this data element as\nnew data field 41f in the single-family\nCensus Tract File. (See the single-family\nmatrix in the Appendix for the specific\ncodes that apply to this data field.)\n\nc. Single-family Data Fields 42a–42e:\nCo-Borrower Race or National Origin 1–\n5\n\nThese data fields identify the race or\nnational origin of the co-borrower of the\nloan acquired by the Enterprise. Since\n2004, the Enterprises have been\nreporting single-family co-borrower race\nor national origin to FHFA in\naccordance with five defined fields—co-\nborrower race1- co-borrower race5—but\nthe data was included in a single race\nor national origin field in the PUDB.\nThe Enterprises did not comment on\nthese data fields.\n"} diff --git a/chunks/json/795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad.json b/chunks/json/795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad.json new file mode 100644 index 0000000000000000000000000000000000000000..ff9aeb049f0848b9d645784ce95baa75bf74fe2b --- /dev/null +++ b/chunks/json/795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":306066,"char_start":304465,"chunk_id":"chk_9fdcec4ac164bdc2","chunk_index":177,"chunk_sha256":"795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"$15,554\n\n$9,446\n\n$(7,500)\n\n$17,500\n\nTotal\n\nTotal\n\nAppraiser 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 24 of 30\nPage 24 of 30\n\nCost Approach (continued)\n\nAs-Is Value of Site Improvements\n\nDescription\nWell, septic, fence, deck, driveway, and water frontage\nimprovements\n\nAmount\n\n$31,500\n\nTotal\n\n$31,500\n\nSite Value\n\nPrimary Site Valuation Method Sales Comparison\n\nOpinion of Site Value\n\n$250,000\n\nLand Comparables\n\n#\n1\n\n2\n\n3\n\nAddress\n123 Water Front Dr\nSome City,\nVA 20141\n\nLot: 123 Block: 321\nDry Road\nSome City,\nVA 20141\n\n456 Thirsty Ave\nSome City,\nVA 20141\n\nCounty\nAlpine\n\nData Source\nMLS 238183040\n\nAssessor Parcel\nNumber (APN)\n555666999000111\n\nSite Size\n4 Acres\n\nSale Date\n01/01/2018\n\nPrice\n$200,000\n\nAlpine\n\nMLS 138320852\n\n654651354132\n\n3 Acres\n\n01/01/2016\n\n$150,000\n\nAlpine\n\nMLS 183932048\n\n87498461513542100\n\n10 Acres\n\n01/01/2017\n\n$100,000\n\nReconciliation of Site Value Comp #1 is a 4 acre site on same lake as the subject, includes 1/4 acre parcel providing water frontage much like\nthe subject. Comp #2 is a 3 acre site with water views on same lake as subject. Comp #3 is a 10 acre site within a mile of the subject with same\npower line easement. However, comp #3 has no water frontage or view, and the easement splits the property in half, making some of the land\nuseless for construction.\n\nGeneral Description\n\nCost Type\nCost Data Source\nQuality Rating\nEffective Date\n\nReplacement\nMarshall & Swift\nGood\n06/01/2019\n\nCost Approach Commentary\n"} diff --git a/chunks/json/79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b.json b/chunks/json/79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b.json new file mode 100644 index 0000000000000000000000000000000000000000..f1a74d1b3b5a315a7fee35b5c634acb7d94bec72 --- /dev/null +++ b/chunks/json/79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22363,"char_start":20643,"chunk_id":"chk_534876c1647dc7d9","chunk_index":18,"chunk_sha256":"79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Figure. 3 List of Columns in the DU Map tab\n\nIdentification Reference Columns\nThese four columns correlate the MISMO data points to the corresponding redesigned Form 1003 fields\nand the form fields of the Supplemental Consumer Information Form and ease the navigation and sorting\non the DU Map tab.\n\n• The original order of the DU Spec is in the order of the fields in the redesigned Form 1003 “URLA\nBorrower Information Numbered Form” and “URLA Lender Loan Information Numbered Form.”\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n9\n\n• The Unique ID field is a unique numeric reference number for each data point in the DU Spec. If\nthere is a specific question regarding a data point, be sure to provide the Unique ID in your\ncommunication to Fannie Mae.\n\n• The Sort ID column provides the ability to reorganize the data based on the original DU Spec order.\n• The Form Field ID is a numeric value assigned to each field in the redesigned Form 1003. The Form\n\nField Name is the corresponding field name for the Form Field ID.\n\n• The Form Field Name contains the name of the field as shown on the redesigned Form 1003\n\ndocuments for each Form Field ID.\n\n• The Form Field IDs can be found in the “1003 - Borrower Information Numbered Form” and “1003\n- Lender Loan Information Numbered Form.” These components of the redesigned Form 1003 and\nall the other components and versions of redesigned forms and supporting documents can be found\non the Fannie Mae URLA webpage at:\n\nhttps://www.fanniemae.com/singlefamily/uniform-residential-loan-application\n\nMISMO v3.4 Information Columns\nThe following is a set of six columns (in Figure. 3) used to identify the MISMO v3.4 data points within the\nDU Spec:\n"} diff --git a/chunks/json/7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14.json b/chunks/json/7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14.json new file mode 100644 index 0000000000000000000000000000000000000000..3f486298ad57ce8dd605bb58758e02729ecf1628 --- /dev/null +++ b/chunks/json/7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19473,"char_start":17874,"chunk_id":"chk_43da97a61df5f47e","chunk_index":11,"chunk_sha256":"7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"0.71 Miles E\n\n$362,500\n\nSettled Sale\n\n$360,000\n\n0.67 Miles E\n\n$369,900\n\nSettled Sale\n\n$365,000\n\nNo\n\n11/03/2023\n\n12/01/2023\n\n44\n\nDetached\n\nDetached\n\n15,000 Sq. Ft.\n\n14,500 Sq. Ft.\n\nHilltop Hills\n\nWoodland Hills\n\nResidential | Full\n\nResidential | Full\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$1,900\n\n01/31/2024\n\n03/01/2024\n\n52\n\nDetached\n\n14,750 Sq. Ft.\n\nWoodland Hills\n\nResidential | Full\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n2018\n\n2018\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n| Natural Gas\n\n2018\n\nForced Warm Air\n| Natural Gas\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 1\n\n$(3,000)\n\n1,260 Sq. Ft.\n\n1,240 Sq. Ft.\n\n$0\n\n1,278 Sq. Ft.\n\n$0\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nType | Spaces | Detail\n\nDriveway | 3 | Concrete\n\nDriveway | 4 | Concrete\n\nDriveway | 2 | Concrete\n\nDeck\n\nDeck\n\nDeck | Portico\n\n$(2,500)\n\n$0\n\n$0\n\n—\n\n—\n\n—\n\n—\n\n—\n\nQ4\n\nC3\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 13 of 19\nPage 13 of 19\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n849 Jolly Ave\nAnytown, MD 09992\n\n342 Trail Dr\nAnytown, MD 09992\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n"} diff --git a/chunks/json/7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a.json b/chunks/json/7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a.json new file mode 100644 index 0000000000000000000000000000000000000000..7f05d3e69bdbc9a9710f15b960a156e0dc7e5355 --- /dev/null +++ b/chunks/json/7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5118,"char_start":3513,"chunk_id":"chk_ec7d8d90405954c8","chunk_index":2,"chunk_sha256":"7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_738b4f6249ff50c1","text_sha256":"7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-sept-27-2025.pdf"]},"text":"Note: The Selling Guide will be updated Oct. 1, 2025, to include this policy change; however, lenders may take advantage of\nthe new limits with the DU V. 12.0 Sept. Update.\n\nFirst-time Homebuyer Determination\n\nThe Selling Guide specifies that an individual who is a displaced homemaker or single parent will be considered a first-time\nhomebuyer if they had no ownership interest in a principal residence other than a joint ownership interest with a spouse during\nthe preceding three-year time period. DU will be updated to determine if the borrower is a first-time buyer under this exception.\n\nWhen the borrower specifies in Section 5. Declarations of the loan application that they have had ownership interest in another\nproperty in the last three years, but that borrower can be considered a first-time homebuyer using this exception, the lender can\nprovide “FTHB Exception” in the DU Policy Feature Description associated to that borrower and DU will determine the borrower\nto be a first-time homebuyer.\n\nWhen this exception is used, a verification message will be issued informing the lender that at least one borrower has been\nidentified as a first-time homebuyer using the exception for a displaced homemaker or single parent, and that the lender must\nconfirm that the exception does apply to the borrower.\n\n© 2025 Fannie Mae.\n\n9.24.25\n\n2 of 4\n\nRestricted Stock\n\nRestricted stock is being added as an income type in DU. Lenders must enter the applicable income amount in Section 1e. Income\nfrom Other Sources of the loan application as an Other Income Source with a description of Restricted Stock.\n"} diff --git a/chunks/json/79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181.json b/chunks/json/79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181.json new file mode 100644 index 0000000000000000000000000000000000000000..74b9c0d863dcf1c1fd8bf4f7bf8b9a8ec432c297 --- /dev/null +++ b/chunks/json/79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3348,"char_start":1750,"chunk_id":"chk_1b8e7a43233abb53","chunk_index":1,"chunk_sha256":"79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181","date_utc":"2026-01-27T17:50:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e8915d811106758a","text_sha256":"79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181","token_estimate":446,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA.md"]},"text":"The UAD Appraisal-Level PUF provides the public and policymakers with meaningful data about appraisals to identify trends, conduct research, and promote compliance. Public, transparent data about appraisals promotes a liquid, efficient, competitive, and resilient national housing market.\n\n## ​Documentation\n\n[UAD PUF Dat​a Dictionary Version 2.1](/document/uad-puf-2.1-data-dictionary.pdf) (2/4/2025)\n\n[UAD PUF Version History Version 2.1](/document/uad-puf-2.1-version-history.pdf) (2/4/2025)\n\n[UAD PUF D​ata Documentation](/document/uad-puf-2.1-data-documentation.pdf)(2/4/2025)\n\n## Datasets\n\n### Enterprise UAD PUF\n\nEnterprise Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_annual_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_annual_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_annual_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_annual_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_annual_dta_v2_1.zip) 2/4/2025 **Combined Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_combined_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_combined_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_combined_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_combined_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_combined_dta_v2_1.zip) 2/4/2025 ### FHA UAD PUF\n"} diff --git a/chunks/json/79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958.json b/chunks/json/79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958.json new file mode 100644 index 0000000000000000000000000000000000000000..b7b83a92969d218e343175d05003e965325001a4 --- /dev/null +++ b/chunks/json/79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8973,"char_start":7089,"chunk_id":"chk_ef70ffeb82866309","chunk_index":4,"chunk_sha256":"79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8a75c4200dbccd53","text_sha256":"79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958","token_estimate":469,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Annual_Report_to_Congress___U_S__FEDERAL_HOUSING_5kmm5t.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# Annual Report to Congress\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Annual Report To Congress\n\nThe Federal Housing Finance Agency’s (FHFA’s) Annual Report to Congress covers the activities of FHFA and its regulated entities. The statutorily-required annual report provides information about the Agency’s examinations of Fannie Mae and Freddie Mac (together, the Enterprises), Common Securitization Solutions, the 11 Federal Home Loan Banks (FHLBanks), and the FHLBanks’ joint Office of Finance. It also describes FHFA’s actions as conservator of Fannie Mae and Freddie Mac and provides an overview of FHFA’s regulatory activities, research, and publications issued during the year.\n"} diff --git a/chunks/json/79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25.json b/chunks/json/79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25.json new file mode 100644 index 0000000000000000000000000000000000000000..1d2675aee2dc1cda590db6f9e7eb4815a357a036 --- /dev/null +++ b/chunks/json/79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1718,"char_start":0,"chunk_id":"chk_24bb687e4a92a845","chunk_index":0,"chunk_sha256":"79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_83d11c82006246bb","text_sha256":"79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Private_Mortgage_Insurer__kiu0b.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/pmiers\"\ndate_accessed: \"2026-01-27T17:48:02.520Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c.json b/chunks/json/79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c.json new file mode 100644 index 0000000000000000000000000000000000000000..d8c0dbcad4d147b6f06c43c88295f4d6b7239afc --- /dev/null +++ b/chunks/json/79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":739410,"char_start":737788,"chunk_id":"chk_ab0ea92defa21995","chunk_index":438,"chunk_sha256":"79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field should indicate the specific zoning classification of the subject property.\n\n19\n\n25\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nThis field is required if the value of field e-6\n(GSE View Type) is 'Other'.\n\nCR\n\nThis field should be populated if field 1-96\n(Site Zoning Compliance Type =\n'NoZoning') is not indicated\n\nThis field should be populated if field 1-96\n(Site Zoning Compliance Type =\n'NoZoning') is not indicated.\n\nOne and only one of fields 1-92, 1-93, 1-96,\n1-97 (values of Site Zoning Compliance\nType) should be indicated.\nOne and only one of fields 1-92, 1-93, 1-96,\n1-97 (values of Site Zoning Compliance\nType) should be indicated.\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 134 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n100\n\n1\n\n94\n\nPROJECT SITE\n\nDo the zoning regulations permit\nrebuilding to current density?\nYes\n\nSite Zoning Permit\nRebuild To Current\nDensity Indicator\n\nIndicates that the zoning regulations allow\nthe property to rebuild to the current\ndensity.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr\nentDensityIndicator='Y']\n\n1\n\nBoolean\n\n96\n\n97\n\n98\n\n101\n\n102\n\n103\n\n104\n\n105\n\n106\n\n107\n\n108\n\n109\n\n110\n\n111\n\n112\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n95\n\nPROJECT SITE\n\nDo the zoning regulations permit\nrebuilding to current density?\nNo\n\nSite Zoning Permit\nRebuild To Current\nDensity Indicator\n"} diff --git a/chunks/json/79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4.json b/chunks/json/79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4.json new file mode 100644 index 0000000000000000000000000000000000000000..825046887fc13e089db16e6ee06e62d1ffd1b18b --- /dev/null +++ b/chunks/json/79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":208878,"char_start":207190,"chunk_id":"chk_d6c2d0e70a7994d0","chunk_index":104,"chunk_sha256":"79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 7\n\n5.1.2 Years 8 – 30\n\n5.2 Principal & Interest\n\n5.2.1\n\n$761.78\n\n5.2.4\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total\nMonthly Payment\n\n5.3.1\n\n5.4.1\n\n+\n\n+\n\n82.35\n\n5.3.2\n\n206.13\n\n5.4.2\n\n+\n\n+\n\n$761.78\n\n--\n\n206.13\n\n5.5.1\n\n$1,050.26\n\n5.5.3\n\n$967.91\n\nFigure 63. Escrow Account Exists\n\nThe data points used to provide the information in the Estimated Escrow row of the Projected Payments table\nare shown below. Since escrow exists for this loan, the value of EscrowIndicator = “true”. The\nProjectedPaymentEstimatedEscrowPaymentAmount repeats twice, once for Years 1 -7 and again for Years 8 –\n30.\n\nTable 80. Escrow Account Exists\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.4.1\n\nYears 1-7 Estimated\nEscrow ($)\n\n…/PROJECTED_PAY\nMENTS/PROJECTED_\nPAYMENT\n\nProjectedPaymentEs\ntimatedEscrowPaym\nentAmount\n\n206.13\n\nRepresented in form\nas “206.13”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.4.2\n\nYears 8-30 Estimated\nEscrow ($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentEs\ntimatedEscrowPaym\nentAmount\n\n206.13\n\nRepresented in form\nas “206.13”\n\n5.4\n\nN/A\n\n…/DEAL/LOANS/LOA\nN/LOAN_DETAIL\n\nEscrowIndicator\n\ntrue\n\nEnd of PROJECTED_PAYMENT Instances\n\nNot Shown -\nIndicates whether\nEstimated Escrow\namount is greater\nthan “0”\n\nAppendix E: UCD Implementation Guide\n\nPage 94 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n2. ESCROW ACCOUNT DOES NOT EXI ST\n\nIf the lender does not establish an escrow account, the value for Estimated Escrow is disclosed as “0” for each\nYear Range.\n"} diff --git a/chunks/json/79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55.json b/chunks/json/79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55.json new file mode 100644 index 0000000000000000000000000000000000000000..7ee8d7b41d45116f60c7d9a8682e6cea0d457c7d --- /dev/null +++ b/chunks/json/79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31727,"char_start":30128,"chunk_id":"chk_82d35698b7c01219","chunk_index":11,"chunk_sha256":"79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"▪ Customizes the generic MISMO\n\nassigned to the container.\n\nany indications of hierarchy except:\n\n▪ UIDs for container start\n\n• A slash “/” indicates the container following is the child\n\ndefinition to describe the container’s\npurpose in the XML file.\n\nwith “999”.\n\nof the container before the slash.\n\n▪ For containers that can occur more\n\n• If a plural parent and singular child container can be\n\npresent only once in the XML file, they are presented on\nthe same row as: PLURAL/SINGULAR.\n\nthan once in sequence, identifies what\ncauses/requires the container to\nrepeat.\n\nN O T E : Identifies any v1.5 containers that have been removed from this segment of the XML file.\n\n2. RENDERED CD\n\nIf the data supports the CD, a narrative introduction of and an extract from the CD illustrates how the data points are\nrendered on the printed/displayed form. The content is carried through in UCD v2.0 Spec excerpts and XML file snippets and\nis identified in green bold text. When a data point can be included only once in the XML file, but its value is used to populate\nmore than one location on the CD, the rendered CD form example will illustrate all locations.\n\nIf the data is GSE-specific, a narrative describes why the data is included in the XML file.\n\nFigure 1. XML File Data Rendered on the CD.\n\n1.0 Closing Information\n\n117.6 Security Interest .0 Loan Disclosures\n\n1.6 Property 456 Somewhere Avenue, Unit #284\n\nAnytown, ST 12345\n\nYou are granting a security interest in\n 456 Somewhere Ave, Unit #284\n Anytown, ST 12345\n\nThe legend for the color-coding on the form rendering examples is:\n"} diff --git a/chunks/json/79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d.json b/chunks/json/79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d.json new file mode 100644 index 0000000000000000000000000000000000000000..c48d522f5c1774af675c5cf56f22b8c63fe6f8a8 --- /dev/null +++ b/chunks/json/79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":121614,"char_start":120007,"chunk_id":"chk_472752f55d099e1f","chunk_index":51,"chunk_sha256":"79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"3.1Loan Term 30 - 32 Years\n\n3.2 Purpose Refinance\n\nFigure 15. Extendible Loan Term\n\nID\n\nForm Field Name\n\nTable 28. Extendible Loan Term\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n3.1\n\nLoan Term\n\n…/LOAN/MATURITY/\nMATURITY_RULE\n\nLoanMaturityPeriod\nCount\n\n360\n\nLoanMaturityPeriod\nType\n\nMonth\n\nLoanTermMaximum\nMonthsCount\n\n384\n\n▪ ROF as “30 Years”\n▪ Two data points\nmust be used\ntogether\n\n▪ ROF as “32 Years”\n\n3. CONSTRUCTI ON LOANS\n\nThe loan Purpose of Construction is required when:\n\na. The loan is for the purchase of land and construction (construction-only) or\n\nb. The loan is for the cost of building a structure on land already owned by the borrower (one-closing\n\nconstruction-to-permanent).\n\nThe construction-only loan is represented by different data points than those needed for the construction-to-\npermanent loan.\n\nAppendix E: UCD Implementation Guide\n\nPage 46 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\na. CONSTRUCTION ONLY\n\nFor construction-only loans, the data conveying the construction period is provided. Figure 16 shows a 9-month\nconstruction-only loan that may be extended to 12 months. LoanTermMaximumMonthsCount is required when\nthe loan term can be extended, as shown in Table 29.\n\n3.0 Loan Information\n\n3.1 Loan Term 9 – 12 Months\n\n3.2 Purpose Construction\n\nFigure 16. Construction Only Loan Term\n\nID\n\nForm Field Name\n\n3.1\n\nLoan Term\n\nTable 29. Construction Only Loan Term\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n…/LOAN/CONSTRUCT\nION\n\nConstructionPeriodN\numberOfMonthsCou\nnt\n"} diff --git a/chunks/json/79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00.json b/chunks/json/79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00.json new file mode 100644 index 0000000000000000000000000000000000000000..537ecc6315760c11a1aab6e4162546f157730595 --- /dev/null +++ b/chunks/json/79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13751,"char_start":12023,"chunk_id":"chk_a1211773bd0c501d","chunk_index":6,"chunk_sha256":"79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"[FHFA Announces Enhanced Payment Deferral Policies for Borrowers Facing Financial Hardship](/news/news-release/fhfa-announces-enhanced-payment-deferral-policies-for-borrowers-facing-financial-hardship) (3/29/2023)\n\n[Fact Sheet: Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/sites/default/files/2023-05/Fact-Sheet-Enterprise-Seller-Servicer-Min-Financial-Eligibility-Requirements.pdf) (8/17/2022)\n\n[FAQs: Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/sites/default/files/2023-05/FAQs-Enterprise-Seller-Servicer-Min-Financial-Eligibility-Requirements.pdf) (8/17/2022)\n\n[​FHFA/GNMA Comparison: Side-by-Side Comparison of Enterprise and GNMA Requirements](/sites/default/files/2023-05/FHFA-Ginnie-Mae-Eligibility-Requirements-Comparison-Tables.pdf) (8/17/2022)\n\n​[FHFA Re-Proposed Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/node/10521)​ (2/24/2022)\n\n[Description and FAQs: Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/sites/default/files/documents/SE2-Proposal-FAQ.pdf)​ (2/24/2022)\n\n[FHFA Encourages Landlords of Enterprise-Backed Properties to Apply for Emergency Rental Assistance Before Evicting Tenants](/node/10266) (7/30/2021)\n\n[FHFA and CFPB Announce Borrower Protection Program](/node/9546) (4/15/2020)\n\n[FHFA Proposes Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/node/9421) (1/31/2020)\n\n[FAQs: Updated Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/sites/default/files/2023-03/servicer-eligibility-faqs-1302020.pdf) (1/31/2020)\n"} diff --git a/chunks/json/79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257.json b/chunks/json/79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257.json new file mode 100644 index 0000000000000000000000000000000000000000..7cd9eb83ba537486c8d9c97488eaffae1bb0883b --- /dev/null +++ b/chunks/json/79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23137,"char_start":21526,"chunk_id":"chk_b91fb2f9609e0a94","chunk_index":13,"chunk_sha256":"79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Subject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n6543 Anywhere Pl\nAnywhere, MD 20854\n\n3245 Nowhere Pl\nAnywhere, MD 20854\n\n3214 Somewhere Pl\nAnywhere, MD 20854\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS XXXXX | Assessor Record MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record\n\n$875,000\n\nPending\n\n$866,000\n\nNo\n\n04/10/2019\n\n30\n\nAttached\n\nFee Simple\n\n0.09 Miles N\n\n$875,000\n\nSettled Sale\n\n—\n\n$870,000\n\n$0\n\n$0\n\nNo\n\n04/01/2019\n\n05/01/2019\n\n49\n\nAttached\n\nFee Simple\n\nNo\n\n04/08/2019\n\n05/08/2019\n\n29\n\nAttached\n\nFee Simple\n\n1,765 Sq. Ft.\n\n1,764 Sq. Ft.\n\n$0\n\n1,103 Sq. Ft.\n\n0.12 Miles N\n\n$799,900\n\nSettled Sale\n\n—\n\n$780,000\n\n0.03 Miles SW\n\n$840,000\n\nSettled Sale\n\n—\n\n$835,000\n\n$0\n\n$0\n\n$0\n\n$0\n\nNo\n\n06/09/2019\n\n07/09/2019\n\n52\n\nAttached\n\nFee Simple\n\n2,111 Sq. Ft.\n\nBusy Roadway\n| Park\n\nResidential | Full\nCommercial\n| Partial\n\n$0\n\n$0\n\n$0\n\n$0\n\nSite Influence (Location)\n\nBusy Roadway | Park\n\nBusy Roadway\n| Park\n\nView | Range\n\nResidential | Full\n\nResidential | Full\n\nBusy Roadway\n| Park\n\nResidential | Full\nCommercial\n| Partial\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nDwelling(s)\n\nYear Built\n\n2016\n\n2015\n\n$0\n\n2017\n\n$0\n\nStructure Design\n\nRowhouse/Townhouse\n\nTownhouse End Unit\n"} diff --git a/chunks/json/79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e.json b/chunks/json/79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e.json new file mode 100644 index 0000000000000000000000000000000000000000..d04a31d479e5e1c91aaa68bfc988931c0b0e38be --- /dev/null +++ b/chunks/json/79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48907,"char_start":47040,"chunk_id":"chk_557b16a695af6a6c","chunk_index":21,"chunk_sha256":"79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e","token_estimate":467,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"b. File Submitter Data\n\nAt least one and up to two instances of the GSE-provided vendor or proprietary system identifier must be provided with\n\nevery loan file, associated with the PartyRoleType of “LoanDeliveryFilePreparer”.\n\nc.\n\nIndicating CD Form Type\n\nThe CD is a dynamic form with included sections and fields varying based on the transaction purpose (purchase or\nrefinance), loan product (fixed or adjustable rate) and disclosure type (complete form to both borrower and seller or split\nform with borrower and seller versions). The GSEs accept three CD variations. The XML file must include the data points\nidentifying the type of CD used. These are identified in the UCD v2.0 Spec with the proper enumeration for\nDocumentTypeOtherDescription. A summary of each of the CD form types accepted in the XML file is listed below. See\nAppendix D. CD Versions and Associated Sections for a detailed breakdown of the content differences among each of the\nform types.\n\ni. The term “Model Form” is used to refer to TRID “Exhibit H–25(A) Mortgage Loan Transaction Closing\n\nDisclosure—Model Form”.\n\nii. The term “Split Disclosure” is used to refer to modifications to the Model Form that can be made to disclose\nseparately to the borrower and the seller if either party requests it (see TRID “Exhibit H–25(I) Mortgage Loan\nTransaction Closing Disclosure—Modification to Closing Disclosure for Disclosure Provided to Seller—Model\nForm” for a sample of a Seller-Only Split Disclosure. With a Split Disclosure, two CDs are created, separating\nborrower-only and seller-only information so that each party is provided with only the transaction data that\npertains to them. The CD - Borrower Only, identical to the Model form except for the exclusion of the “SELLER’S\nTRANSACTION” side of the Summaries of Transactions table, is the only Split Disclosure accepted in the XML file.\n"} diff --git a/chunks/json/79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b.json b/chunks/json/79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b.json new file mode 100644 index 0000000000000000000000000000000000000000..f01254e271f58cc7ab4288fde544106aca5d8f84 --- /dev/null +++ b/chunks/json/79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":240543,"char_start":238638,"chunk_id":"chk_48afe5bcb322ca18","chunk_index":124,"chunk_sha256":"79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b","token_estimate":477,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"$750.00 9.2.6\n\n$405\n\n9.3.2 0\n\nFigure 75. Closing Cost Details Section.\n\nA. TABLE COLUMN AND ROW DESCRI PTI ONS\n\nThe first column on the left of the Closing Cost Details tables identifies the table headings, sub-headings and line\nitems. The next five columns indicate the amounts of each line item paid by the Borrower, Seller, or Others. For\nthe Borrower and Seller, these amounts are further broken out as being paid “At Closing” or “Before Closing”.\nThe rows in the tables represent subcategories, subtotals, totals and individual line items.\n\nB. SUBCATEGORI ES\n\nTable headings A – H organize the Loan Costs and Other Costs tables into the following groups:\n\n7.1 A. Origination Charges. Includes all charges the borrower(s) or others paid to the lender and any loan\noriginator for originating and extending the credit.\n\n7.4 B. Services Borrower Did Not Shop For. Provides an itemization of the services and corresponding costs\nthat were required by the lender and provided by persons or entities other than the creditor or mortgage\nbroker, for which the consumer could not or did not shop.\n\n7.6 C. Services Borrower Did Shop For. Itemizes services that the lender requires in connection with the\nloan for which the borrower(s) may shop.\n\n8.1 E. Taxes and Other Government Fees - discloses taxes and other government fees for recording of\ndocuments and transfer taxes assessed against the purchase price of a real estate contract or the loan\namount.\n\n8.4 F. Prepaids - itemizes the amounts to be paid in advance of the first scheduled payment, and the\nsubtotal of all such amounts. Prepaid charges for real estate property taxes, insurance premiums, and other\nitems that must be paid to insure the property or satisfy real estate tax obligations, as well as other charges\nthat must be satisfied before consummation of the transaction (such as prepaid interest to the lender) are\nincluded in this section.\n"} diff --git a/chunks/json/79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a.json b/chunks/json/79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a.json new file mode 100644 index 0000000000000000000000000000000000000000..3408edcc8ed0111c21840bcae37879fea9b5c1a2 --- /dev/null +++ b/chunks/json/79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31840,"char_start":31225,"chunk_id":"chk_12c8f181b7e00524","chunk_index":50,"chunk_sha256":"79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a","token_estimate":489,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Income Approach Exhibits (H1) .......................................................................................................................... 70\n\nCost Approach ............................................................................................................................................... 70\n\nIndicated Value by Cost Approach (H1) .............................................................................................................. 70\n\nDepreciated Cost – Dwelling – [Structure Identifier] (H1) .................................................................................. 70\n"} diff --git a/chunks/json/79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc.json b/chunks/json/79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc.json new file mode 100644 index 0000000000000000000000000000000000000000..30243289d9b0d5e2ba586f21fe7d95eaa5821658 --- /dev/null +++ b/chunks/json/79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":377384,"char_start":375361,"chunk_id":"chk_632a51af66f536b6","chunk_index":302,"chunk_sha256":"79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc","token_estimate":506,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"AmenityCategoryType groups similar amenities together for inclusion as individual line entries in the sales comparison grid. When an Amenity\nCategory (row) is included, all amenities in that category populate for the subject property. If the Amenity Category is not included, none of\nthe amenities for the category populate for the subject property.\n\nPage 291\n\n• Outdoor Accessories\n• Outdoor Living\n• Water Features\n• Whole Home\n• Miscellaneous\n\nProperty Amenities is the sixth of six subsections that has adjustments at the row level.\n\nThere are 5 defined rows in this subsection.\n\n➢ No rows are required (Always)\n➢ No rows are conditionally required (If Applicable)\n➢\n\n5 rows may be provided (If Relevant)\n\nFigure 22 - 17\n\nVehicle Storage\n\nThe Vehicle Storage subsection always displays in the Sales Comparison Approach section.\n\nVehicle Storage is the last of the four subsections that has an adjustment at the section header level.\n\n• When AdditionalComparisonLineItemIdentifier is provided, ComparableAdjustmentType (UID: 1800.0318, FID: Not on report) must be\n\ndelivered as SalesComparableAdditionalNonAdjustableComparisonItem for each additional row within Vehicle Storage.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThere is 1 defined row in this subsection.\n\n1 row is required (Always)\n\n➢\n➢ No rows are conditionally required (If Applicable)\n➢ No rows may be provided (If Relevant)\n➢\nAdditional rows may be provided\n\nFigure 22 - 18\n\nPage 292\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nThe Outbuilding subsection displays in the Sales Comparison Approach section when there is at least one ImprovementType (UID:\n0300.0009, FID: 22.07.02) = “Outbuilding” AND OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = \"true\" AND\nOutbuildingType (UID: 0300.0025, FID: 26.042) <> “StandaloneADU” for the subject or any comparable. Standalone ADUs are addressed in\nthe Units subsection of the Sales Comparison Approach and do not display here.\n"} diff --git a/chunks/json/79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c.json b/chunks/json/79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c.json new file mode 100644 index 0000000000000000000000000000000000000000..2e7373875ba5a0d33ebfc13585084263ec8afaa0 --- /dev/null +++ b/chunks/json/79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":68140,"char_start":66478,"chunk_id":"chk_1c8590a3449563db","chunk_index":85,"chunk_sha256":"79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c","token_estimate":416,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “There are no\napparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’\nsection.”\n\nIf applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects Soundness or\nStructural Integrity,” “Recommended Action,” “Estimated Cost to Repair” set as TCH in 6 column table x\n45 picas.\n\no Columns 1, 2, 4–6:\n\n6 picas 9 points wide (~27 characters per line)\n\no Column 3:\n\n11 picas 3 points wide (~45 characters per line)\n\no Content sets as TB\n\no Set TB_sub-H1 heads in white type for each section of the report represented in DDD table, if\n\napplicable per iGuide:\n\n▪ Site\n\n▪ Dwelling Exterior - [Structure Identifier]\n\n▪ Unit Interior - [Structure Identifier] - [Unit Identifier]\n\n▪ Outbuilding - [Outbuilding Type]\n\n▪ Unit Interior - [Outbuilding Type] - [Unit Identifier]\n\n▪ Vehicle Storage\n\n▪ Subject Property Amenities\n\n“Total Cost” sets as TB_sub-H1-R in white type, flush right in the 2 far right columns.\n\nIf applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects Soundness or\nStructural Integrity,” “Recommended Action,” set as TCH in 5 column table x 45 picas.\n\no Columns 1, 2, 4, 5:\n\n8 picas wide (~31 characters per line)\n\no Column 3:\n\n13 picas wide (~52 characters per line)\n\n• Content sets as TB\n\n• Set TB_sub-H1 heads for each section of the report represented in DDD table.\n\nAppendix E: Report Style Guide\n\nPage 33 of 90\n\nVersion 1.4\n\nDEFECTS, DAMAGES, DEFICIENCES TABLE - SUMMARY - WITH COST TO REPAIR\n\nDEFECTS, DAMAGES, DEFICIENCES - SUMMARY - WITHOUT COST TO REPAIR\n"} diff --git a/chunks/json/7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1.json b/chunks/json/7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1.json new file mode 100644 index 0000000000000000000000000000000000000000..1b5253c1e29a7fb8b368026e46b9bc6d814f743d --- /dev/null +++ b/chunks/json/7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":263096,"char_start":260789,"chunk_id":"chk_5d17d4182679907e","chunk_index":146,"chunk_sha256":"7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1","token_estimate":577,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Market Conditions Analysis and Time Adjustments\n\nHow to measure and analyze (market conditions) are critical elements in determining an accurate market value because the\nappraisal is based on a specific date in time (the effective date of appraisal report). The comparable sales being considered must\nbe analyzed by the appraiser to determine if there have been any changes in market conditions from the time the comparable\nwent under contract to the effective date of the appraisal report. This analysis will determine whether a time adjustment based\non the contract date is warranted. A specific time adjustment to a comparable sale(s) may differ from the identified market trend\nsince the determination of whether an adjustment is made to a comparable sale is based on market changes between the\ncontract date of the comparable sale and the effective date of the appraisal report. For example, the 12-month value trend may\nindicate a positive overall trend, however it's possible the market was stable (or declining) between the time period of the\ncontract date of the comparable and the effective date of the appraisal. See this illustration for Market Condition\nAdjustments. Comparable(s) sales with a contract date that is recent in relation to the effective date of the appraisal report will\nlikely not have a time adjustment given the inability to identify a change in the market. The appraisal report must contain the\nmarket analysis that supports the indicated market trends, and any adjustments made for changes in market conditions.\n\nBecause the appraisal is for a specific point in time, (the effective date of the appraisal report), the appraiser must analyze\ncomparable sales for any changes in market conditions from their contract dates through the effective date of the appraisal\nreport to determine whether time adjustments are warranted. Time adjustments, or the lack thereof, must be supported by\nevidence. Use of home price indices (HPIs) to support time adjustments is consistent with our policy. The adjustment rates can\nalso be determined through statistical analysis, modeling, paired sales, or other commonly accepted methods. The appraisal\nreport must, at a minimum, summarize the supporting evidence and include a description of the data sources, tool(s), and\ntechnique(s) used.\n"} diff --git a/chunks/json/7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77.json b/chunks/json/7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77.json new file mode 100644 index 0000000000000000000000000000000000000000..a962c7dbf787c269409675f438e3b1fbf3817bd1 --- /dev/null +++ b/chunks/json/7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1242951,"char_start":1241302,"chunk_id":"chk_2c868735408adb59","chunk_index":738,"chunk_sha256":"7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nWhole numbers only.\n\nThe price in terms of dollars per square\nfoot. This is a ratio between a price and\nan area, but it is a monetary value rather\nthan a factor or rate. (i.e. sales price per\ngross living area of a property)\nThe dollar value of total estimated costs\nto reproduce new the property\nimprovement. (CALCULATED\nA free form text field used to capture\nadditional information about new\nproperty improvement reproduction costs.\nThe dollar value of total estimated costs\nto reproduce new the property\nimprovement. (CALCULATED\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Other’]/@PricePerSquareFootAmou\nnt\n\n10\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Other’]/@_CostAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Additional’]/@_CostDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Additional’]/@_CostAmount\n\n10\n\n20\n\n9\n\n10\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nString\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nSquare Feet Count\n\nIdentifies an area measured in square feet.\n(e.g. The area of a room or deck)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Garage’]/@SquareFeetCount\n\nPrice Per Square\nFoot Amount\n\nThe price in terms of dollars per square\nfoot. This is a ratio between a price and\nan area, but it is a monetary value rather\nthan a factor or rate. (i.e. sales price per\ngross living area of a property)\n"} diff --git a/chunks/json/7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe.json b/chunks/json/7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe.json new file mode 100644 index 0000000000000000000000000000000000000000..6153a8e9ebefa3b003d83da6cc8156b5213055e0 --- /dev/null +++ b/chunks/json/7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7179,"char_start":3421,"chunk_id":"chk_b9e82f7216189abb","chunk_index":2,"chunk_sha256":"7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe","token_estimate":940,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"162\n\nBoth\n\n165\n\nBoth\n\n168\n\n170\n\nBoth\n\nBoth\n\n173\n\nBoth\n\nDescription/Definition\n\nConvertible ARM—Market Rate Option\nUsed to identify the post-conversion disposition option selected for a mortgage in an ARM\nMBS pool under which the lender takes the interest rate risk when a converted ARM is\nremoved from an MBS pool. The converted mortgages may or may not be delivered to\nFannie Mae.\n\nCommunity Land Trust Mortgage\nUsed to identify a mortgage that is secured by improvements the borrower purchased from a\nnonprofit community land trust and by a lease on land that the borrower is leasing from the\ncommunity land trust at affordable ground rents.\nRecast Mortgage\nUsed to identify mortgage loans that have been re-amortized following the application of a\nprincipal curtailment received from the borrower to recast and reduce the mortgage payment\nprior to loan delivery.\n\nRD-Guaranteed Mortgage—Special Servicing Option\nUsed to identify a non-recourse mortgage guaranteed by Rural Development (RD)\nunder its RD 502 Loan Program.\nNew York Co-op Flexibilities\nUsed to identify and monitor co-op share loans originated with project exceptions permitted in\nthe Selling Guide or in negotiated terms that are common and customary in certain areas of\nNew York.\nCommunity Seconds®\nUsed to identify a first mortgage that is part of a Community Seconds transaction.\nDelivery is optional – code is auto-derived\n\nDesktop Underwriter® (DU®) Loan\nThis code is used for all mortgage loans underwritten through DU.\nDelivery is optional – code is auto-derived\nConversions of Single Closing Construction-to-Permanent Financing\nUsed to identify a single-closing construction-to-permanent financing mortgage, which is\ndelivered to Fannie Mae by the lender as a permanent loan that was a conversion of interim\nconstruction financing (formerly referred to as “one-time close” transaction).\nAttorney Title Opinion Letter\nUsed to identify loans being delivered with an attorney title opinion letter in lieu of a title\ninsurance policy.\nSSN Positively Validated through Social Security Administration\nUsed to identify loans for which the lender represents and warrants that it has validated the\nborrowers’ Social Security Number (SSN) through the Social Security Administration (SSA).\nUse this code only if there is a discrepancy identified with the SSN (for example, identified in\nthe credit report, DU or Loan Delivery edits), and the SSN was validated through the SSA. If\nthe loan cannot be validated with the SSA, the loan is not eligible for delivery to Fannie Mae.\nUnit Number--Bypass Loan Delivery Edit\nUsed to bypass the unit number Loan Delivery edit that compares the delivered property\naddress to the U.S. Postal Service (USPS) database. The edit is triggered when there is a\ndiscrepancy between the USPS data and the delivered data. The USPS may identify a unit\nnumber for a property when one does not exist or may identify a unit number that does not\nmatch the delivered unit number. The SFC should be used by the lender after verifying the\naccuracy of the delivered data. This code cannot be used to bypass delivery of the unit number\nwhen there is a valid unit number for the property.\nInter Vivos Revocable Trusts\nUsed to identify a mortgage loan that has an inter vivos revocable trust as a borrower.\nFlood Insurance—Special Flood Hazard Area\nUsed to identify a mortgage for which some part of a principal and/or residential detached\nstructure on the property securing the mortgage loan is located in a Special Flood Hazard\nArea and that flood insurance coverage is in place on the principal and/or residential\ndetached structure.\nDelivery is optional – code is auto-derived\nPACE\nUsed to identify eligible limited cash-out refinances where the PACE loan remains in place.\n"} diff --git a/chunks/json/7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f.json b/chunks/json/7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f.json new file mode 100644 index 0000000000000000000000000000000000000000..474a1a94438611d93bbce0b88b0e59ec4115efb7 --- /dev/null +++ b/chunks/json/7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":60106,"char_start":58465,"chunk_id":"chk_24080f3a344a5718","chunk_index":50,"chunk_sha256":"7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"I certify that I did perform a personal onsite inspection of the subject property to determine\nif the conditions or requirements stated in the original appraisal have been satisfied.\n\nI certify that I did not perform a personal onsite inspection of the subject property to\ndetermine if the conditions or requirements stated in the original appraisal have been\nsatisfied.\n\n09.015\n\nDescription:\n\nPage 49\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nDisplay this text when\nPersonalInspectionPerformedIndicator (UID:\n2200.0027, FID: 09.014) = “true”\nDisplay this text when\nPersonalInspectionPerformedIndicator (UID:\n2200.0027, FID: 09.014) = “false” and a description\nmust be provided using Description -\nAppraisalConditionsSatisfiedVerificationDescription\n(UID: 2200.0026, FID: 09.015)\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\n09.016\n\n7\n\nIf this report was transmitted as an “electronic record” containing my “electronic signature,”\nas those terms are defined in applicable federal and/or state laws (excluding audio and video\nrecordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my\nmanual handwritten signature, and that the report is enforceable and valid as a paper\nversion of this report would be if delivered containing my manual handwritten signature.\n\nDisplay Rules\n\nAlways displays\n\nPage 50\n\nWhen Additional Appraiser Certifications – AppraiserAdditionalCertificationIndicator (UID: 2200.0052, FID: Not on report)\n"} diff --git a/chunks/json/7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f.json b/chunks/json/7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f.json new file mode 100644 index 0000000000000000000000000000000000000000..662d9596fe7b539ecbec9c44718e8c397b4d8117 --- /dev/null +++ b/chunks/json/7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":124885,"char_start":123269,"chunk_id":"chk_ae9ca8e04a665580","chunk_index":53,"chunk_sha256":"7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"3. 2 PURPOSE\n\nPurpose indicates the borrower(s) intended use of credit. The Regulation recognizes four Purpose values:\n\n1. Purchase\n\n2. Refinance\n\n3. Construction\n\n4. Home Equity Loan\n\nNote that the Regulation’s definitions for “Purchase”, “Refinance”, “Construction” and “Home Equity” loans\ndiffer from those common to industry and defined in the MISMO v3.3.0 Logical Data Dictionary (LDD). In UCD,\nthe required data point LoanPurposeType has only two valid values: “Purchase” or “Refinance.” As shown in\nTable 31, indicator data points for Construction and Home Equity loans also must be provided. The values of\nthree data points are used together to represent 3.2 Purpose.\n\nAppendix E: UCD Implementation Guide\n\nPage 48 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\nTable 31. UCD Data Point Combinations for Closing Disclosure Purpose Values\n\n3.2 Purpose Value\n\nIntegratedDisclosureHomeE\nquityLoanIndicator Value\n\nConstructionLoanIndicator\nValue\n\nLoanPurposeType Value\n\nPurchase\n\nRefinance\n\nHome Equity Loan\n\nConstruction Loan\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\ntrue6\n\nfalse\n\nfalse\n\ntrue7\n\nPurchase\n\nPurchase\n\nRefinance\n\nRefinance\n\nRefinance\n\nThree GSE-specific data points provide additional detail about the loan and are included in Tables 29 – 32.\n\n1. Lien position\n\n2. Whether subordinate financing is being created simultaneously with the subject loan\n\n3. For refinances, whether the loan is being refinanced with the current holder, servicer, or an affiliate of\n\neither.\n\n1. FOR MORE I NFORMAT I ON\n\nSee 1.1. To Support ATR and QM Requirements and 2.3. To Support Data Clarity.\n"} diff --git a/chunks/json/7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48.json b/chunks/json/7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48.json new file mode 100644 index 0000000000000000000000000000000000000000..d983f534c0b4c867070e7e1f4957065be7e254b2 --- /dev/null +++ b/chunks/json/7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":320600,"char_start":318975,"chunk_id":"chk_2517a1dbe6fb49de","chunk_index":189,"chunk_sha256":"7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Level B1\n\nPartially Below Grade •\n•\n•\n\nBelow Grade Finished Area 10.006\nBelow Grade Finished Area (Nonstandard) 10.007\nBelow Grade Unfinished Area 10.008\n\nLevel 1\n\nAbove Grade\n\nLevel 2\n\nAbove Grade\n\n•\n•\n\n•\n•\n\nAbove Grade Finished Area 10.003\nAbove Grade Finished Area (Nonstandard) 10.004\n\nAbove Grade Finished Area 10.003\nAbove Grade Finished Area (Nonstandard) 10.004\n\nAppendix F-1: URAR Reference Guide\n\nPage 134 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nExample 2:\n\n10 Unit Interior\n\nLevel in Unit, Grade Level Type, and Area Breakdown: Example 2\n\nLevel in Unit\n10.029\n\nGrade Level Type\n10.030\n\nPossible Answers in Area Breakdown\n\nLevel B2\n\nLevel B1\n\nPartially Below Grade •\n•\n•\n\nBelow Grade Finished Area 10.006\nBelow Grade Finished Area (Nonstandard) 10.007\nBelow Grade Unfinished Area 10.008\n\nPartially Below Grade •\n•\n•\n\nBelow Grade Finished Area 10.006\nBelow Grade Finished Area (Nonstandard) 10.007\nBelow Grade Unfinished Area 10.008\n\nLevel 1\n\nAbove Grade\n\n•\n•\n\nAbove Grade Finished Area 10.003\nAbove Grade Finished Area (Nonstandard) 10.004\n\nQuality and Condition\n\nInterior Quality and Condition ratings provide support to the Overall Quality and Condition Ratings (15.000,\n15.005).\n\nReport\nField ID\n\n10.034\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nUnit Interior: Quality and Condition\n\nInterior Quality\nRating\n\nAlways required\n\nQ1 to Q6\n\nReference Appendix 2: Condition and Quality Rating Definitions for definitions.\n\nInterior Quality Rating also displays in Overall Quality and Condition (15.004)\nand Sales Comparison Approach (22.09.03 and 22.10.02).\n"} diff --git a/chunks/json/7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519.json b/chunks/json/7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519.json new file mode 100644 index 0000000000000000000000000000000000000000..36df5b5216fa11bba7399d025e5dd260174e2e76 --- /dev/null +++ b/chunks/json/7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11501,"char_start":10845,"chunk_id":"chk_292bd87ea4ce0d4e","chunk_index":7,"chunk_sha256":"7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519","token_estimate":163,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf","below_target_min_tokens"]},"text":"DOS\n\n45\n\nDOS/\nAssum\n\n45\n\nDOS\n\n45\n\nDOS/\nAssum\n\n45\n\nDOS\n\nN\n\nN\n\nN\n\nN\n\nN\n\nN\n\nN\n\n1st\n\n1st\n\n1st\n\n1st\n\n1st\n\n1st\n\n1st\n\n85A\n\n85B\n\n85B\n\n85C\n\n85C\n\n85D\n\n85D\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\nThis document is incorporated by reference into the Fannie Mae Selling Guide.\n\nOct 2021\n\n5 of 6\n\nProduct Names for Whole Loan ARM Plans in Pricing Execution – Whole Loan®\n\nPlan Number\n4926\n4927\n4928\n4929\n\n3/6 m SOFR ARM Plan 4926\n5/6 m SOFR ARM Plan 4927\n7/6 m SOFR ARM Plan 4928\n10/6 m SOFR ARM Plan 4929\n\nProduct Name\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\nThis document is incorporated by reference into the Fannie Mae Selling Guide.\n\nOct 2021\n\n6 of 6\n"} diff --git a/chunks/json/7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d.json b/chunks/json/7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d.json new file mode 100644 index 0000000000000000000000000000000000000000..4d802f4fc9e60b8049d44e4dc6377c7eff4c492b --- /dev/null +++ b/chunks/json/7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":45269440,"char_start":0,"chunk_id":"chk_37b08a82cba7a0da","chunk_index":0,"chunk_sha256":"7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d","date_utc":"2026-01-27T18:11:12+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_43d722288dbb3038","text_sha256":"7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d","token_estimate":1134,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/ama_pudb_export_123114.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2014 | Loan Number: 1 | FHLBankID: Boston | Program: 01 | FIPSStateCode: 04 | FIPSCountyCode: 013 | MSA: 38060 | FeatureID: 0000005032 | Tract: 4226.06 | MinPer: 20.5 | TraMedY: 105615 | LocMedY: 64408 | Tractrat: 1.6398 | Income: 355860 | CurAreY: 66400 | IncRat: 5.3593 | UPB: 400000 | LTV: 0.8 | MortDate: 2014 | AcquDate: 2014 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 49 | CoAge: 46 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0438 | Amount: 400000 | Front: 0.0813 | Back: 0.1395 | Borrower Credit Score: 3 | CoBorrower Credit Score: 3 | PMI: 0.3 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 1 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2014 | Loan Number: 2 | FHLBankID: Boston | Program: 01 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 14860 | FeatureID: 0000205720 | Tract: 0725.00 | MinPer: 51.97 | TraMedY: 84866 | LocMedY: 100593 | Tractrat: 0.8437 | Income: 60518 | CurAreY: 106700 | IncRat: 0.5672 | UPB: 156000 | LTV: 0.7 | MortDate: 2014 | AcquDate: 2014 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 59 | CoAge: 55 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0475 | Amount: 156000 | Front: 0.2825 | Back: 0.4032 | Borrower Credit Score: 4 | CoBorrower Credit Score: 4 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 1 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2014 | Loan Number: 3 | FHLBankID: Boston | Program: 01 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 14860 | FeatureID: 0000211578 | Tract: 0907.00 | MinPer: 13.07 | TraMedY: 142583 | LocMedY: 100593 | Tractrat: 1.4174 | Income: 191916 | CurAreY: 106700 | IncRat: 1.7987 | UPB: 587700 | LTV: 0.9 | MortDate: 2014 | AcquDate: 2014 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 37 | CoAge: 39 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0475 | Amount: 587700 | Front: 0.2847 | Back: 0.3728 | Borrower Credit Score: 5 | CoBorrower Credit Score: 4 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2014 | Loan Number: 4 | FHLBank\n"} diff --git a/chunks/json/7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645.json b/chunks/json/7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645.json new file mode 100644 index 0000000000000000000000000000000000000000..d1e8d865cb13f42dc644d731fcbd4e42a4c23503 --- /dev/null +++ b/chunks/json/7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_b83a7b554418245e","chunk_index":0,"chunk_sha256":"7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645","date_utc":"2026-01-27T17:54:28+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3e72992152b305f1","text_sha256":"7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_s_Housing_Finance_Examiner_Commission_Program_khvwgx.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/housing-finance-examiner-commission\"\ndate_accessed: \"2026-01-27T17:54:20.515Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot 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Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d.json b/chunks/json/7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d.json new file mode 100644 index 0000000000000000000000000000000000000000..2206aea7589a5050d94a9c0a88409a24654367fb --- /dev/null +++ b/chunks/json/7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":978534,"char_start":976855,"chunk_id":"chk_cb1c1d675e769a13","chunk_index":583,"chunk_sha256":"7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"50\n\n50\n\n50\n\n50\n\n50\n\n50\n\n50\n\n55\n\n50\n\n50\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n"} diff --git a/chunks/json/7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9.json b/chunks/json/7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9.json new file mode 100644 index 0000000000000000000000000000000000000000..bac2dbf4830f4fd910a02a2c619a4bbab83e713b --- /dev/null +++ b/chunks/json/7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":194319,"char_start":192705,"chunk_id":"chk_292c8b19e20abdcc","chunk_index":109,"chunk_sha256":"7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9","token_estimate":404,"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• default remedies in the event a party to the agreement or covenant fails to comply with their obligations; and\n\n•\n\nthe effective term of the agreement or covenant, which in most cases should be perpetual and binding on any future\nowners.\n\nNote: If the property is located within a state that has statutory provisions that define the responsibilities of property owners for\nthe maintenance and repair of a private street, no separate agreement or covenant is required.\n\nIf the property is not located in a state that imposes statutory requirements for maintenance, and either there is no agreement or\ncovenant for maintenance of the street, or an agreement or covenant exists but does not meet the requirements listed above, the\nlender may still sell the loan. However, the lender is required to indemnify Fannie Mae (as described in Selling Guide A2-1-03,\nIndemnification for Losses) against all losses incurred by Fannie Mae as a result of the physical condition of the street or in order\nto establish and/or retain access to the street.\n\nHazard Zone(s)\n\nThe appraiser must report all hazard zones that impact the subject property, including but not limited to, a Flood Hazard Zone\nthat is identified on the Federal Emergency Management Agency’s (FEMA) Flood Insurance Rate Maps or a lava flow zone, based\non a United States Geological Survey. For additional information concerning Fannie Mae’s policies on flood insurance, see Selling\nGuide B7-3-06, Flood Insurance Requirements for All Property Types and for Hawaiian lava flow zones, see SB2-3-04, Special\nProperty Eligibility Considerations.\n"} diff --git a/chunks/json/7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb.json b/chunks/json/7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb.json new file mode 100644 index 0000000000000000000000000000000000000000..2b7069affea8c93302c45347717f5719f266b0c0 --- /dev/null +++ b/chunks/json/7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16114,"char_start":14561,"chunk_id":"chk_dee30f2dc189163f","chunk_index":9,"chunk_sha256":"7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"This is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS HC3148234 |\nAssessor Record\n\nMLS HC3183023 |\nAssessor Record\n\nMLS HC1234823 |\nAssessor Record\n\n0.24 Miles N\n\n$339,900\n\nSettled Sale\n\n$335,000\n\n$0\n\n$0\n\n$0\n\n$1,500\n\n11/17/2023\n\n12/28/2023\n\n39\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nDetached\n\n0.16 Miles W\n\n$350,000\n\nSettled Sale\n\n$350,000\n\n$2,500\n\n12/15/2023\n\n01/05/2024\n\n50\n\nDetached\n\n$0\n\n$0\n\n$0\n\n$3,000\n\n12/01/2023\n\n01/15/2024\n\n72\n\nDetached\n\n0.40 Miles E\n\n$364,900\n\nSettled Sale\n\n$364,900\n\n$0\n\n$0\n\n$0\n\n15,000 Sq. Ft.\n\n13,500 Sq. Ft.\n\n$0\n\n15,000 Sq. Ft.\n\nHilltop Hills\n\nHilltop Hills\n\nHilltop Hills\n\n15,000 Sq. Ft.\n\nHilltop Hills\n\nResidential | Full\n\nHigh Density\nResidential | Full\n\n$6,500\n\nResidential | Full\n\nResidential | Full\n\n2018\n\n2017\n\n$0\n\n2018\n\n2019\n\n$0\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n1,260 Sq. Ft.\n\n1,200 Sq. Ft.\n\n$4,500\n\n1,260 Sq. Ft.\n\n1,312 Sq. Ft.\n\n$(3,900)\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n"} diff --git a/chunks/json/7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a.json b/chunks/json/7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a.json new file mode 100644 index 0000000000000000000000000000000000000000..48e58d9a725c40aa3ff6a2bd7d342860a90ed303 --- /dev/null +++ b/chunks/json/7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5122,"char_start":3565,"chunk_id":"chk_0beb74d9be92d62c","chunk_index":2,"chunk_sha256":"7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb2eec2920be917b","text_sha256":"7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a","token_estimate":389,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-apr-15-2023.pdf"]},"text":"• Release Test Cases > DU for Government March Release Test Cases\n\nAdditional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and\nDescription\n\nURL\n\nOnline HUD Handbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400\n0-1\n\nHUD Mortgagee Letters\n\nhttps://www.hud.gov/hudclips/letters/mortgagee\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n3.9.23\n\n2 of 3\n\nDocument Name and\nDescription\n\nURL\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n\nCHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\nVA Lender’s Handbook\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\nVA Circulars\n\nVA Loan Limits\n\nhttp://www.benefits.va.gov/homeloans/new.asp\n\nhttp://www.benefits.va.gov/homeloans/loan_limits.asp\n\nVA Regional Loan Centers: Contact\nInformation\n\nRelease Support\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\nThe DU for government loans release was implemented in the DU integration environment on Feb. 15, 2023.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact\nIntegration Support. For more information about DU, visit the DU & DO web page or contact your Fannie Mae Business\nAccount Management Solutions (BAMS) team or your Digital Alliances Manager.\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n3.9.23\n\n3 of 3\n"} diff --git a/chunks/json/7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087.json b/chunks/json/7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087.json new file mode 100644 index 0000000000000000000000000000000000000000..67f419b1353ad337e2e4cdf41b9ee880c39a9dc8 --- /dev/null +++ b/chunks/json/7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087.json @@ -0,0 +1 @@ +{"chunk":{"char_end":299476,"char_start":297873,"chunk_id":"chk_c45fba9b06d4ceea","chunk_index":175,"chunk_sha256":"7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to describe\nor reconcile the different property\nvaluation methods used to arrive at\nthe final property valuation.\n\n/VALUATION_RESPONSE/VALUATION/_R\nECONCILIATION/@_SummaryComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\n391\n\n2\n\n129\n\nRECONCILIATION\n\nThe appraisal is made\n“as is”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or\nactivities.\n\n/VALUATION_RESPONSE/VALUATION/_R\nECONCILIATION/_CONDITION_OF_APPRA\nISAL[@_Type='AsIs']\n\n20\n\nEnumerated UAD Requirement - Refer to Appendix D Reconciliation Section\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis data is referenced more than once on the form (field 2-125) and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole dollars only\nUAD Requirement - Refer to Appendix D Reconciliation Section\nThis data is referenced more than once on the form (field 2-124) and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole dollars only\nThis data is referenced more than once on the form (field 3-37) and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole dollars only\nThis data is referenced more than once on the form (field 3-40) and should be\nrepresented consistently.\n\nR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nShould be populated if there is an indicated\nvalue in field 3-37\n\nShould be populated ifthere is an indicated\nvalue in field 3-40\n"} diff --git a/chunks/json/7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc.json b/chunks/json/7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc.json new file mode 100644 index 0000000000000000000000000000000000000000..555010c6cf01fe04a471f6d694f28d1e9b6d0209 --- /dev/null +++ b/chunks/json/7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1015661,"char_start":1014061,"chunk_id":"chk_210e12a5bc4c5586","chunk_index":605,"chunk_sha256":"7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Per Unit Fee\nAmount\n\nThe amount charged to each unit by the\nproject management.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE/@\n_Amount\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_EXTENSION/\nPROPERTY_EXTENSION_SECTION[@ExtensionSectionOrganizationNa\nme='UNIFORM APPRAISAL\nDATASET']/PROPERTY_EXTENSION_SECTION_DATA/PROPERTY_\nTYPE/@GSE_PUDIndicator\n\n1\n\n9\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nMoney\n\nUAD Requirement - Refer to Appendix D Subject Section\nWhole dollars only. If there are no mandatory HOA fees applicable to the subject\nproperty, appraiser must enter zero (0) in this data field.\n\nThe total of all of the property's special\nreal estate taxes for this tax year (Property\nTax Year Identifier) across all tax\njurisdictions and authorities. This is the\namount assessed for the tax year, not the\namount paid. (see Property Tax Special).\nSpecifies a class of supplementary\ninformation that is provided for the\nproject, based on the ownership,\ndevelopment, and usage of common\nproperty.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nT\n\nR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 172 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\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n"} diff --git a/chunks/json/7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49.json b/chunks/json/7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49.json new file mode 100644 index 0000000000000000000000000000000000000000..f57a782249684008078f6bdd9a447e9ac09baa1a --- /dev/null +++ b/chunks/json/7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49.json @@ -0,0 +1 @@ +{"chunk":{"char_end":274126,"char_start":272507,"chunk_id":"chk_a9af5f6b26c07505","chunk_index":161,"chunk_sha256":"7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Completion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or inspection)\n\nThe recommended action for the defect, damage, or deficiency.\n•\n•\n•\n•\nNote:\n•\n\nIf Completion, Inspection, or Repair is reported for any defect, damage, or\ndeficiency\n\no\n\no\n\no\n\nThe report must be made subject to the resolution of the item\n(Market Value Condition 26.009 cannot be As Is).\nCondition Status for the item, if applicable, must reflect the\nfuture “resolved” condition.\nIf Repair is selected, the estimated cost to repair may be\nprovided in the Reconciliation section.\n\nDwelling Exterior Commentary\n\nReport\nField ID\n\n8.061\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIf applicable\n\nFree-form\n\nDwelling\nExterior\nCommentary\n\nCommentary could include information pertinent to the Dwelling Exterior\nsection that is not captured in the discrete data, or additional details to support\nthe discrete data that is provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 114 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior Exhibits\n\nAll photos or images related to the Dwelling Exterior section are displayed in the Dwelling Exterior Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nDwelling Exterior Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nDwelling\nExterior Exhibits\n\nIf required by client or\nscope of work\n\nPhoto\n\nSee\niGuide\n\nDwelling\nExterior Exhibits\n\nIf applicable\n\nPhoto\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24.json b/chunks/json/7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24.json new file mode 100644 index 0000000000000000000000000000000000000000..1cfd5f53e22f3920e810f432eb8948cadb4c61d1 --- /dev/null +++ b/chunks/json/7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1603,"char_start":0,"chunk_id":"chk_321eae421706ad03","chunk_index":0,"chunk_sha256":"7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nAppendix F-1: URAR Reference Guide\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\n.\n\nUniform Appraisal Dataset\n\nRevision History\n\nRevision History\n\nThis chapter shows revisions to this document since its initial publication on March 29, 2023.\n\nVersion 1.3 (Published June 10, 2025)\n\nReference Guide\nChapter\n\nChange #\n\nVersion 1.3 (Published June 10, 2025)\n\nRevision Description\n\nClarifications to align with ANSI, including reporting ANSI Declarations and nonstandard area.\n• Clarified the ‘Definition / Additional Guidance’ column for Measurement Standard (7.001) and Sketch Commentary\n\n(7.003).\n\n2025-030\n\n• Clarified definitions for Above Grade Finished Area (Nonstandard) (10.004) and Below Grade Finished Area\n\n(Nonstandard) (10.007) to include areas accessed through unfinished areas.\n\n• Added ANSI Examples 2 and 3: Areas Without Direct Interior Access for reporting below grade areas without interior\n\naccess from a unit.\n\n2025-031\n\nClarified that Condition Status is only applicable for some features in Dwelling Exterior and Unit Interior.\n• Updated guidance on Condition Status for Recommended Action in Dwelling Exterior (8.060) and Unit Interior (10.060).\n• Removed reference to Condition Status for Recommended Action in Site (4.104) and Outbuilding (12.024).\n\nVarious\n"} diff --git a/chunks/json/7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c.json b/chunks/json/7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c.json new file mode 100644 index 0000000000000000000000000000000000000000..7c794fe07f789ac1a5eb9d67d3245bd0d47f5050 --- /dev/null +++ b/chunks/json/7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":57430,"char_start":56646,"chunk_id":"chk_4802803d76a02ac9","chunk_index":59,"chunk_sha256":"7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c","token_estimate":495,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:4)(cid:26)(cid:26)(cid:27)(cid:13)(cid:21)(cid:28)(cid:13)(cid:22)(cid:32)(cid:12)(cid:17)(cid:27)(cid:28)(cid:21)(cid:25)(cid:24)(cid:1)(cid:32) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:7)(cid:24)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n"} diff --git a/chunks/json/7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984.json b/chunks/json/7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984.json new file mode 100644 index 0000000000000000000000000000000000000000..be7598ad01261d6287c85ab88e96f17204423f10 --- /dev/null +++ b/chunks/json/7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24297,"char_start":22388,"chunk_id":"chk_a67501b21602c41e","chunk_index":12,"chunk_sha256":"7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984","token_estimate":477,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":" Optional (O): The corresponding data point is listed as an R or\nCR in Freddie Mac’s ULDD. Incorporating these data points as\npart of system interfaces and processes is optional for Fannie\nMae submissions.\n\nFNM Conditionality\nDetails\n\nThis column provides the criteria for the Fannie Mae conditionality\nof the corresponding MISMO data point.\n\nFNM Implementation\nNotes\n\nThis column provides additional instructions or clarification for\nsupporting the corresponding MISMO data point.\n\nULDDS Format\n\nThis column lists the data format types supported by the ULDD:\n Amount\n Boolean\n Date\n Datetime\n Day\n Enumerated\n Numeric\n Percent\n String\nRefer to section 5.10, Data Format Type, for additional information\nabout the supported data value formats.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 10 of 22\n\nColumn Name\n\nFNM Supported\nEnumerations\n\nFNM Format\n\nColumn Name Description\n\nThis column only applies to MISMO data points with enumerated\nindicator and lists the Fannie Mae supported MISMO enumerations\n(allowable values) for the corresponding MISMO data point. The\ncell is blank when the MISMO data point does not have associated\nvalid values.\nThis column identifies a number of data points where Fannie Mae\nhas a different format length restriction compared to the format\nlength specified in the ULDDs Format column. An asterisk (*)\nindicates there is a difference.\n\nThe column definitions enclosed in the table above are also provided in the Column Description\ntab available in Appendix D: Fannie Mae XML Data Reference\n\n5. Creating an XML File\nThe loan delivery XML file must be created using the XML format described in Appendix A (or D): Fannie\nMae XML Data Reference, which is based on the Uniform Loan Delivery Dataset and MISMO Version 3.0\nReference Model. Additional data points not available in the MISMO Version\n3.0 Reference Model are accessed using extension containers.\n"} diff --git a/chunks/json/7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6.json b/chunks/json/7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6.json new file mode 100644 index 0000000000000000000000000000000000000000..9ca5c4210e20bc55a4c5b84345a164a3abab8f16 --- /dev/null +++ b/chunks/json/7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1733,"char_start":0,"chunk_id":"chk_9801da134dceeb79","chunk_index":0,"chunk_sha256":"7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6d8a8814858c10a2","text_sha256":"7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/LIBOR_Transition___FHFA_zf6fnd.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/libor-transition\"\ndate_accessed: \"2026-01-27T17:54:20.418Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae.json b/chunks/json/7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae.json new file mode 100644 index 0000000000000000000000000000000000000000..a3b65e97782472e3261918d7cadee5746efc98bd --- /dev/null +++ b/chunks/json/7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3214,"char_start":1616,"chunk_id":"chk_0655aff1486c63ba","chunk_index":1,"chunk_sha256":"7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_06e93c91bdb5a95e","text_sha256":"7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-0.pdf"]},"text":" Latest Loan Position:\n\nInterest Only End Date\nInterest Only Term\n\no Amortization Term\no\no\no Loan Status\no Maximum Amoritization Term\no Gross Actual UPB Amount\no Gross Scheduled UPB Amount\no Loan Age\no Reclassification Date\no Reclassification Effective Date\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae. 1 of 2\n\n Origination and Acquisition:\n\no Original P&I Amount\no Original Amoritization Type\no Original LTV Ration\no Acquisition Scheduled UPB Amount\no Note Date\no Mortgage Type\n Credit Enhancement:\n\no Mortgage Insurance Premium Lender Paid Percent\no Foreclosure Loss Risk Description\no Recourse Responsible Party\no Recourse Description\n\n General Loan Details:\no MERS ID\no Pool Prefix\n\nIn addition, the naming conventions of attributes and field headings have been updated for\nconsistency throughout the application. This applies to both on-screen and in the data\ndownloads.\n\nDefect Remediation\n\nMultiple defects will be remediated with this release improving system usability. Details of the\ncorrections are as follows:\n\nDefects\n\nCurrent LAR Tab Blank after Del Mod – A defect was resolved for the scenario where an applied LAR\n(accepted or soft reject) prior to a successfully closed and bridged delinquency modification was not\nshowing in the current LAR tab. Previously, LSDU would not show the LAR information.\nMultiple Clicks on Cash Adjustments Link – A defect was resolved for the functinality of clicking on the\nCash Adjustments link in the Cash position Search Results. Previously, the user would need to click the\nlink multiple times to get to the Cash Adjustments Details screen.\n"} diff --git a/chunks/json/7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6.json b/chunks/json/7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6.json new file mode 100644 index 0000000000000000000000000000000000000000..2178c68c029659fdbac1b04a4e4fc48473d673c5 --- /dev/null +++ b/chunks/json/7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31396,"char_start":29762,"chunk_id":"chk_b52edbac1e4fa7ca","chunk_index":26,"chunk_sha256":"7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Figure 4 - 3\n\nPage 26\n\nWhen Lender/AMC is Not the Client\n\nDeliver the appraisal management company information when an appraisal management company exists but is not the client. (Figure 4 - 4)\n\nFigure 4 - 4\n\nPage 27\n\nPage 28\n\nAssignment Information: Contact Information – [Role]/[Role] – Non-Clients\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n04.006\n\nCompany Name\n\n2400.0324 FullName\n\n2400.0325 AddressLineText\n\n2400.0326 CityName\n\n2400.0328 StateCode\n\n2400.0327 PostalCode\n\n04.007\n\nCompany\nAddress\n\nCredentials\n\n04.008\n\nID\n\n2400.0400 LicenseIdentifier\n\n04.009\n\nState\n\n2400.0401 LicenseIssuingAuthorityStateCode\n\n04.010\n\nExpires\n\n2400.0399 LicenseExpirationDate\n\nAppraiser, Supervisory Appraiser,\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0373, FID: 04.048) = “Lender” or\n“Management Company”…\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\nIf LicenseIdentifier, LicenseIssuingAuthorityStateCode, and\nLicenseExpirationDate are not provided, do not display report\nlabel.\n\nDisplay when provided for PartyRoleType (UID: 2400.0323, FID:\n04.048) = “ManagementCompany”. If not provided, do not display\nreport label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0323, FID:\n04.048) = “ManagementCompany”. If not provided, do not display\nreport label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0323, FID:\n04.048) = “ManagementCompany”. If not provided, do not display\nreport label.\n\nThis portion of Contact Information shows details about the Appraiser and Supervisory Appraiser, when applicable.\n\n• The Appraiser displays first, followed by the Supervisory Appraiser (when provided).\n"} diff --git a/chunks/json/7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d.json b/chunks/json/7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d.json new file mode 100644 index 0000000000000000000000000000000000000000..3638baa773e1a59bce55ed626f0f9928d42b76f5 --- /dev/null +++ b/chunks/json/7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69456,"char_start":68751,"chunk_id":"chk_c2f8709650a04d9c","chunk_index":111,"chunk_sha256":"7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d","token_estimate":623,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Cost Approach Exhibits ............................................................................................................................................................................................................. 339\n\nCost Approach – Arcrole Relationships .................................................................................................................................................................................... 340\n\n26 Reconciliation ................................................................................................................................................................................................................................. 346\n"} diff --git a/chunks/json/7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43.json b/chunks/json/7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43.json new file mode 100644 index 0000000000000000000000000000000000000000..7239f08eb30e92c89a32da7a69213a2f09bb3cce --- /dev/null +++ b/chunks/json/7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5553,"char_start":3873,"chunk_id":"chk_cf5477ba107a70b5","chunk_index":2,"chunk_sha256":"7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"M01: The loan-level Mission Score for this loan is 01. This\nscore is calculated based on the data provided, final\nscores are calculated when the loan is purchased/pool is\nclosed, and all data is final.\n\nM02: The loan-level Mission Score for this loan is 02. This\nscore is calculated based on the data provided, final\nscores are calculated when the loan is purchased/pool is\nclosed, and all data is final.\n\nM03: The loan-level Mission Score for this loan is 03. This\nscore is calculated based on the data provided, final\nscores are calculated when the loan is purchased/pool is\nclosed, and all data is final.\n\nApr 22\n\nMission Score\n\n© 2025 Fannie Mae\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nFile\nType\n\nImpact\n\nFor more information on the Mission Index and the Social\nBond Framework, visit Fannie Mae’s website and/or read\nthe Mission in Focus: Enhanced Disclosures Lay the\nGroundwork for Single-Family Social MBS Perspectives\nblog.\n\nApr 22\n\nEdit Updates\n\n7.6.12\n\nOne DU validation edit moving to Warning\n\nULAD-\nMISMO 3.4\n\nNew observational edits for Mission Score (see above for\ndetails)\n\nULDD-\nMISMO 3.0\n\nMay 1\n\n7.6.13\n\nFirst-\nGeneration\nHomebuyer\n\nOne edit for Duty to Serve moving to Warning to Fatal, one\nDU validation edit moving to Warning\n\nModifying warning edits for credit score\n\nOne new Warning edit related to CPM – Property Data\n\nFannie Mae recently announced the introduction of the\ndefinition for a first-generation homebuyer loan. To\nsupport this announcement, EarlyCheck will introduce\nSpecial Feature Code 886 (First Generation Homebuyer\nLoan) and 2 new fatal edits, 1105 and 1106, to assist in\nassessing first-generation homebuyer loan eligibility.\n"} diff --git a/chunks/json/7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307.json b/chunks/json/7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307.json new file mode 100644 index 0000000000000000000000000000000000000000..77ed3e0715f115a19644db0f97ab55c10af591f9 --- /dev/null +++ b/chunks/json/7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12625,"char_start":11218,"chunk_id":"chk_e08c295683afe82b","chunk_index":6,"chunk_sha256":"7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_044166ef44f6a6e4","text_sha256":"7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md"]},"text":"​​\n\n## National Average Contract Mortgage Rate\n\n---\n\nThe data, tabulated and published as described above, is used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders.” This index is the successor to the index previously maintained by the former Federal Home Loan Bank Board.\n\n**Announcement Date** **Index Month** **Index Rate** **News Release** ​May 29, 2019 April 2019​ 4.15​ [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-april) ​April 30, 2019 March 2019​ ​4.36 [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-march) ​March 28, 2019 February 2019​ 4.46 [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-february-2019) February 28, 2019 January 2019​ ​4.60​ [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-january) ​January 24, 2019 December 2018​ ​4.83​ [[PAGE]​](/news/news-release/fhfa-indices-show-little-movement-in-mortgage-interest-rates-in-december) ​December 27, 2018 November 2018​ ​4.86 [​[PAGE]](/news/news-release/fhfa-index-shows-mortgage-rates-increased-in-november-2017) [Historical National Average Contract Mortgage Rate Index Values](/national-average-contract-mortgage-rate-history)\n\n## MIRS Microdata File\n\n---\n\n[MIRS Public Use File (CSV)](/media/50751)\n"} diff --git a/chunks/json/7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9.json b/chunks/json/7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9.json new file mode 100644 index 0000000000000000000000000000000000000000..e9c1c51f5141346f8b6a3177214f9e2f45c99a75 --- /dev/null +++ b/chunks/json/7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10639,"char_start":1826,"chunk_id":"chk_b1ce8fb10fdc73a8","chunk_index":2,"chunk_sha256":"7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9","token_estimate":1100,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md","exceeds_max_chunk_chars_truncated"]},"text":"- [Working with Us](/working-with-us) - [Become a Seller/Servicer](/working-with-us/become-a-seller-servicer/overview) - [Responsible Lending](/working-with-us/become-a-seller-servicer/responsible-lending)\n - [Resources for Responsible Lending](/working-with-us/become-a-seller-servicer/responsible-lending)\n - [Requirements](/working-with-us/become-a-seller-servicer/eligibility-requirements)\n - [Annual Certification and Change and Activity Reporting](/working-with-us/become-a-seller-servicer/annual-certification-change-activity-reporting)\n - [Origination & Underwriting](/working-with-us/origination-underwriting/overview) - [Improving Workflow](/working-with-us/origination-underwriting/improving-workflow)\n - [Mortgage Products](/working-with-us/origination-underwriting/mortgage-products)\n - [Resources & Learning](/working-with-us/origination-underwriting/resources-learning)\n - [Selling & Delivery](/working-with-us/selling-delivery/overview) - [Selling with Confidence](/working-with-us/selling-delivery/selling-with-confidence)\n - [Delivery, Options & Pricing](/working-with-us/selling-delivery/delivery-options-pricing)\n - [Resources & Learning](/working-with-us/selling-delivery/resources-learning)\n - [Servicing](/working-with-us/servicing/overview) - [Servicing Excellence](/working-with-us/servicing/servicing-excellence)\n - [Servicing Products and Programs](/working-with-us/servicing/products-programs)\n - [Resources](/working-with-us/servicing/resources)\n - [Affordable Lending](/working-with-us/affordable-lending/overview) - [Solutions](/working-with-us/affordable-lending/solutions)\n - [Reaching Borrowers](/working-with-us/affordable-lending/reaching-borrowers)\n - [News & Insights](/working-with-us/affordable-lending/news-insights)\n - [CreditSmart](/working-with-us/creditsmart/overview)\n - [DPA One](/working-with-us/affordable-lending/dpa-one)\n - [eMortgage](/working-with-us/electronic-loan-documents/overview) - [eDisclosures and eClosings](/working-with-us/electronic-loan-documents/edisclosures-and-eclosings)\n - [eMortgages](/working-with-us/electronic-loan-documents/emortgages)\n - [Participants and Vendors](/working-with-us/electronic-loan-documents/emortgage-ready-participants)\n - [Review/Approval Requirements](/working-with-us/electronic-loan-documents/emortgage-review-approval-requirements)\n - [eSign for Loss Mitigation](/working-with-us/electronic-loan-documents/esign-for-loss-mitigation)\n - [eMortgage Client Trainings](/working-with-us/electronic-loan-documents/training)\n - [Foreclosure Prevention](/working-with-us/foreclosure-prevention/overview)\n - [Fraud Prevention](/working-with-us/fraud-prevention/overview) - [Fraud Prevention and Best Practices](/working-with-us/fraud-prevention/emerging-fraud-schemes)\n - [Exclusionary List](/working-with-us/fraud-prevention/emerging-fraud-trends/freddie-mac-exclusionary-list)\n - [Housing Counselors](/working-with-us/housing-counselors/overview) - [Supporting Customers](/working-with-us/housing-counselors/support-consumers)\n - [Education & Insights](/working-with-us/housing-counselors/education-insights)\n - [Housing Finance Agencies](/working-with-us/housing-finance-agencies/hfa-overview) - [HFA Resource Center](/working-with-us/housing-finance-agencies/hfa-resource-center)\n - [Housing Finance Agency Forms](/working-with-us/housing-finance-agencies/hfa-forms)\n - [Contact Us](/working-with-us/housing-finance-agencies/contact-us)\n - [Real Estate Professionals](/working-with-us/real-estate-professionals/resource-center) - [Training](/working-with-us/real-estate-professionals/training)\n - [Secondary Market Advisors](/working-with-us/secondary-market-advisors/working-with-smas) - [Integrated SMAs](/working-with-us/secondary-market-advisors/integrated-secondary-market-advisors)\n - [Software Provider Resource Center](/general/software-provider-resource-center)\n - [Technology](/tools-learning) - [System Status](/tools-learning/system-status) - [Freddie Mac Gateway](/tools-learning/system-stat\n"} diff --git a/chunks/json/7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53.json b/chunks/json/7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53.json new file mode 100644 index 0000000000000000000000000000000000000000..e4158f914591736c0618de1d3d95420c1e9151a1 --- /dev/null +++ b/chunks/json/7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53.json @@ -0,0 +1 @@ +{"chunk":{"char_end":404270,"char_start":402638,"chunk_id":"chk_e1d02772dff6f15e","chunk_index":236,"chunk_sha256":"7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\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\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\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 85 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n68\n\n69\n\n70\n\n71\n\n72\n\n73\n\n74\n\n75\n\n76\n\n77\n\n78\n\n79\n\n80\n\n81\n\n82\n\n83\n\n84\n\n85\n\n86\n\n87\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n63\n\n64\n\n65\n\n66\n\n67\n\nNEIGHBORHOOD\n\nProperty Values\nStable\n\nNEIGHBORHOOD\n\nProperty Values\nDeclining\n\nNEIGHBORHOOD\n\nDemand/Supply\nShortage\n\nNEIGHBORHOOD\n\nDemand/Supply\nIn Balance\n\nNEIGHBORHOOD\n\nDemand/Supply\nOver Supply\n\n68\n\nNEIGHBORHOOD\n\nMarketing Time\nUnder 3 mths\n\n69\n\nNEIGHBORHOOD\n\nMarketing Time\n3-6 mths\n\n70\n\nNEIGHBORHOOD\n\nMarketing Time\nOver 6 mths\n\n71\n\n72\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\n73\n\nNEIGHBORHOOD\n\n74\n\nNEIGHBORHOOD\n\n75\n\nNEIGHBORHOOD\n\n76\n\nNEIGHBORHOOD\n\nCondominium Housing\nPrice $ (000)\nLow\nCondominium Housing\nPrice $ (000)\nHigh\n\nCondominium Housing\nPrice $ (000)\nPred.\n\nCondominium Housing\nAge (yrs)\nLow\n\nCondominium Housing\nAge (yrs)\nHigh\n\nCondominium Housing\nAge (yrs)\nPred.\n\n77\n\n78\n\n79\n\n80\n\n82\n\nNEIGHBORHOOD\n\nPresent Land Use %\nOne-Unit\n\nNEIGHBORHOOD\n\nPresent Land Use %\n2-4 Unit\n\nNEIGHBORHOOD\n\nPresent Land Use %\nMulti-Family\n\nNEIGHBORHOOD\n\nPresent Land Use %\nCommercial\n\nNEIGHBORHOOD\n\nPresent Land Use %\nOther\n\n83\n\nNEIGHBORHOOD Neighborhood Boundaries\n"} diff --git a/chunks/json/7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b.json b/chunks/json/7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b.json new file mode 100644 index 0000000000000000000000000000000000000000..663d805037539636864ca416536ac682fe940911 --- /dev/null +++ b/chunks/json/7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":125206,"char_start":123590,"chunk_id":"chk_e943456b43aa0eea","chunk_index":70,"chunk_sha256":"7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"terms of any subordinate financing provided by interested parties,\ncredits or refunds of borrower expenses,\nabsorption of monthly payments,\nassignment of rent payments, and\nany other information not listed above that impacts property value.\n\nProperty Information\n\nThe list below includes items that must be disclosed, if applicable:\n\ncondo or PUD fees;\n\n•\n• non-realty items included in the transaction;\n•\n\nany apparent environmental conditions in or on the subject property or in the vicinity of the property that the lender is\naware of or learns from the borrower, the real estate agent, or any other party to the transaction (see SB4-1.4-08,\nApparent Environmental Conditions); and\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 52 of 166\n\nUAD 3.6 Policy\n\n•\n\nany other items that affect the soundness or structural integrity of the property of which the lender may be aware.\n\nContract Changes After the Appraisal Report is Completed\n\nIf the contract is amended after the effective date of the appraisal report in a way that does not affect the description of the\nproperty, then the lender is not required to provide the amended contract to the appraiser nor obtain a revised appraisal. Some\nexamples of amendments that do not require the lender to provide the amended contract nor obtain revisions to the already-\ncompleted appraisal report include:\n\nsale price,\ntransaction terms,\nfinancing concessions,\nseller-paid closing costs,\n\n•\n•\n•\n•\n• names or initials,\n•\nclosing date, and\n•\ncorrection of minor clerical errors such as misspellings.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 53 of 166\n"} diff --git a/chunks/json/7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4.json b/chunks/json/7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4.json new file mode 100644 index 0000000000000000000000000000000000000000..938916da66e9fea9cce951f6dfa31d46bd7349d4 --- /dev/null +++ b/chunks/json/7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3240,"char_start":1605,"chunk_id":"chk_826fdc9499bb9aaa","chunk_index":1,"chunk_sha256":"7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Updated the definition of Noncontinuous Finished Area to include above grade areas only.\n• Clarified that noncontinuous finished area is not included in the Area Breakdown for Unit Interior.\n• Clarified definition of Total Gross Building Finished Area for Property (22.05.04, 22.05.25, 24.003).\n• Removed reference to nonstandard finished area from Noncontinuous Finished Area (22.05.05, 22.05.27).\n• Clarified that noncontinuous finished area is reported in the Dwelling(s) subsection and not in Unit(s) (22.07.09,\n\n2025-032\n\n22.07.32, 22.07.10, 22.07.34).\n\n• Updated definition in Appendix 1: Glossary.\n\n2025-037\n\nChanged references to “basement” to “below grade area” where applicable, to align with ANSI.\n• Updated the ‘Definition / Additional Guidance’ column (8.012, 10.017, 13.003, 22.05.04-22.05.25, 24.003-24.014).\n• Updated the definition for Cellar Door in Below Grade Exterior Access.\n• Updated text in Appendix 3: ANSI Examples and Appendix 4: Detached Garage Examples.\n\n2025-046\n\nUpdated the ‘When to Include for each Comparable’ and ‘Definition / Additional Guidance’ columns to clarify that if a\ncomparable data source has an identifier, it must be reported on the URAR (4.110, 22.01.18, 23.02.04, 24.010, 25.045).\n\nOverview\n\n2025-025 Key Concepts - Photos and Images: Clarified that images must be sized properly.\n\n02 Assignment\nInformation\n\n2025-038\n\nClarified the ‘Definition / Additional Guidance’ column for Property Valuation Method (2.004), including the requirement\nof the Uniform Property Dataset (UPD) for hybrid appraisals. Also updated the definition of Property Data Report here and\nin Appendix 1: Glossary\n"} diff --git a/chunks/json/7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a.json b/chunks/json/7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a.json new file mode 100644 index 0000000000000000000000000000000000000000..32dd2000e9363138d84c792ac7840a92af7b5581 --- /dev/null +++ b/chunks/json/7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10487,"char_start":8724,"chunk_id":"chk_2bdf6f910f4bd083","chunk_index":5,"chunk_sha256":"7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4aac393be9462776","text_sha256":"7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a","token_estimate":436,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fact_Sheets___FHFA_dzrdl.md"]},"text":"#### Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n- Fact Sheet\n\nNovember 18, 2024\n\n## [2025 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2025-multifamily-loan-purchase-caps-for-fannie-mae-and-freddie-mac)\n\nBackground Since 2015, FHFA has set caps on the Enterprises’ conventional (market-rate) multifamily businesses. The purpose of the caps is to ensure the Enterprises support liquidity in the multifamily market, particularly for affordable housing and underserved segments, without crowding out private...\n - Fact Sheet\n\nNovember 14, 2023\n\n## [2024 Multifamily Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2024-multifamily-caps-for-fannie-mae-and-freddie-mac)\n\nHIGHLIGHTS OF 2024 MU​​LTIFAMILY CAPS ​The 2024 volume caps applicable to the multifamily loan purchases of Fannie Mae and Freddie Mac (the Enterprises) will be $70 billion for each Enterprise, for a total of $140 billion during the calendar year. FHFA anticipates the 2024 cap levels will be...\n - Fact Sheet\n\nNovember 7, 2023\n\n## [FHLBank System at 100: Focusing on the Future](/FHLBank-System-at-100-Focusing-on-the-Future-Fact-Sheet)\n\nView Full Fact Sheet (PDF) BACKGROUND The Federal Home Loan Bank System (System) has served as a key component of the nation’s housing finance system since its creation over 90 years ago. Today, the Federal Home Loan Banks (FHLBanks) connect domestic financial institutions—many of which are small...\n - Fact Sheet\n\nJune 22, 2023\n\n## [Non-Performing and Re-performing Loan Sale Requirements - June 2023](/news/fact-sheet/non-performing-and-re-performing-loan-sale-requirements-june-2023)\n"} diff --git a/chunks/json/7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d.json b/chunks/json/7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d.json new file mode 100644 index 0000000000000000000000000000000000000000..69ed5796720737590a0d694a9dd666c3be9bf7c5 --- /dev/null +++ b/chunks/json/7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":302184,"char_start":300572,"chunk_id":"chk_568a9bc8715ad268","chunk_index":258,"chunk_sha256":"7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"“SubjectPropertyAmenitiesExhibit”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 228\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 14.012.2).\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n\nSubject Property Amenities – Arcrole Relationships\n\nArcrole relationships establish “relationships” or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using “xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nDEFECT to AMENITY\n\nProvide the relationship that joins the DEFECT to the applicable instance of AMENITY (with relevant AmenityCategoryType). One\nRELATIONSHIP container is required for each defect identified for a given amenity.\n\nAmenityCategoryType\n\nUnique ID\n\nParent Container\n\nMISMO Attribute\nName\n\nSupported Attribute Enumerations\n\n3900.0033\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf AMENITY\n\n3900.0034\n\nRELATIONSHIP\n\n@xlink:from\n\nDEFECT_n\n\n3900.0035\n\nRELATIONSHIP\n\n@xlink:to\n\nAMENITY_n\n\n3900.0137\n\nDEFECT\n\n@xlink:label\n\nDEFECT_n\n\nAmenityCategoryType = \"Miscellaneous\"\n\n0200.0002\n\nAMENITY\n\n@xlink:label\n\nAMENITY_n\n\nAmenityCategoryType =\n\"OutdoorAccessories\n\n0200.0049\n\nAMENITY\n\n@xlink:label\n\nAMENITY_n\n\nAmenityCategoryType = \"OutdoorLiving\"\n"} diff --git a/chunks/json/7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807.json b/chunks/json/7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807.json new file mode 100644 index 0000000000000000000000000000000000000000..cd93b59e0391b2da6ab24df2be329b2b4544f9b2 --- /dev/null +++ b/chunks/json/7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20695,"char_start":20087,"chunk_id":"chk_de293b8a0a0fba06","chunk_index":31,"chunk_sha256":"7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807","token_estimate":482,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Manufactured Home Certification Program (H1) ............................................................................................... 46\n\nInvoice Information (H1) ..................................................................................................................................... 46\n\nManufactured Home Commentary (H1) ............................................................................................................. 46\n\nManufactured Home Exhibits (H1) ..................................................................................................................... 46\n"} diff --git a/chunks/json/7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3.json b/chunks/json/7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3.json new file mode 100644 index 0000000000000000000000000000000000000000..d4af0fb6a939bdfc3506f7c57d3c18c40cddf56c --- /dev/null +++ b/chunks/json/7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":188924,"char_start":187182,"chunk_id":"chk_7019b78f3846dbd1","chunk_index":92,"chunk_sha256":"7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3","token_estimate":436,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Sequence Numbers, and Repeatable Containers.\n\n5. 2 PRI NCI PAL & I NTEREST\n\nThe first row of the Projected Payments table shows whether and how the regularly scheduled P&I payment\namount changes over the life of the loan. The amount required for the initial periodic payment must be\ncalculated using the interest rate in force at consummation, whether at a discount, at par, or at a premium. This\nvalue populates the first column.\n\n1. P& I PAYMENT DOES NOT I NCREASE\n\nFigure 55 illustrates a loan with a fixed rate, no MI, and no escrow. Only one column is needed for one Year\nRange reflecting the total term of the loan and the initial (and unchanging) P&I payment.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\nYears 1 – 30\n\n5.2 Principal & Interest\n\n5.2.2\n\n$761.78\n\nFigure 55. P&I Payment for 30-Year Fixed Rate Loan with No MI\n\nFigure 56 illustrates a 30-year fixed rate loan, with private mortgage insurance that is scheduled to terminate\nafter 7 years. Two Year Ranges are required to disclose the impact of the changing MI payment on the\nEstimated Total Periodic Payment. Since the P&I Payment amount is not changing, the same value is recorded\nin both columns. See 5.3 Error! Reference source not found. and 5.5. Estimated Total Monthly Payment.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.2 Principal & Interest\n\n5.1.1\n\n5.2.2\n\nYears 1 – 7\n\n$761.78\n\n5.1.2\n\n5.2.5\n\nYears 8 – 30\n\n$761.78\n\nFigure 56. P&I Payments for 30-Year Fixed Rate Loan with Private MI\n\nTable 72 illustrates the disclosure of two Principal and Interest payments for two Year Ranges. Since this\nexample is for a fixed rate loan, there are no payment ranges.\nProjectedPaymentPrincipalAndInterestMaximumPaymentAmount is used when there is no payment range.\n"} diff --git a/chunks/json/7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2.json b/chunks/json/7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2.json new file mode 100644 index 0000000000000000000000000000000000000000..c8baa3a52c4e71cab8a214d85130a858ed482b3b --- /dev/null +++ b/chunks/json/7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29020,"char_start":28467,"chunk_id":"chk_03d0cc89bf3f56d8","chunk_index":18,"chunk_sha256":"7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2","token_estimate":151,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf","below_target_min_tokens"]},"text":"32539\n\n12.21\n\n15045\n\n5.65\n\n154760\n\n58.08\n\n64048\n\n24.04\n\n82\n\n0.03\n\nbathrooms Frequency Percent\n\n1\n\n2\n\n3\n\n4\n\n9\n\n36246\n\n13.60\n\n134498\n\n50.47\n\n74547\n\n27.98\n\n13447\n\n5.05\n\n7736\n\n2.90\n\nbedrooms Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n28328\n\n10.63\n\n151525\n\n56.86\n\n85536\n\n32.10\n\n1085\n\n0.41\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\n9\n\n1\n\n2\n\n3\n\n4\n\n5\n\n9\n\n45358\n\n17.02\n\n47059\n\n17.66\n\n49940\n\n18.74\n\n41148\n\n15.44\n\n29012\n\n10.89\n\n19670\n\n7.38\n\n21064\n\n7.90\n\n12980\n\n4.87\n\n243\n\n0.09\n\n32549\n\n12.21\n\n49679\n\n18.64\n\n74509\n\n27.96\n\n80210\n\n30.10\n\n29458\n\n11.05\n\n69\n\n0.03\n\nFederal Housing Finance Agency\n\n23\n"} diff --git a/chunks/json/7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5.json b/chunks/json/7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5.json new file mode 100644 index 0000000000000000000000000000000000000000..6d7fbd3656a996b58a2dd5c006294f96ceb95f87 --- /dev/null +++ b/chunks/json/7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15317,"char_start":13679,"chunk_id":"chk_8d474b80aabd6fea","chunk_index":8,"chunk_sha256":"7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_970d25bb86fc355d","text_sha256":"7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5","token_estimate":462,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorship___FHFA_uqjmm.md"]},"text":"FHFA commenced reporting as FPM with its initial transmission to Congress on [December 2, 2008](/reports/federal-property-managers-report/2008/12-2). The format and content of the reports has evolved over time. Prior to May 2012, [FPM Reports](/reports/federal-property-managers-report) included refinancing activity. Thereafter, they had the same content as the monthly and quarterly [Foreclosure Prevention Reports](/reports/foreclosure-prevention-and-federal-property-managers-report), and FHFA began issuing separate [Refinance Reports](/reports/refinance-report). In July 2019, FHFA revised these reports again and commenced issuing combined [Foreclosure Prevention, Refinance, and Federal Property Manager](/reports/foreclosure-prevention-refinance-and-fpm) reports.\n\n## Conservatorship Reports and Datasets\n\n[Read more](/reports?topic=conservatorship-reports).\n\n*Page last updated: February 6​, 2024*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35.json b/chunks/json/7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35.json new file mode 100644 index 0000000000000000000000000000000000000000..99a4b6d988eba45a3caac5bb28aab86edbe255fb --- /dev/null +++ b/chunks/json/7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35.json @@ -0,0 +1 @@ +{"chunk":{"char_end":442854,"char_start":441253,"chunk_id":"chk_6e1e59c40991ee3a","chunk_index":262,"chunk_sha256":"7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"18.018 Converted in\nPast 3 Years\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nRequired if Project\nComplete is No\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nGround Rent\n\nProject Information: Project Completeness\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nProject Complete: Indicates whether construction of all phases, units, common\nareas, and amenities in the project are complete. This is specific to projects that\nhave current ongoing construction.\n\nNote: If No, the Incomplete Project row (18.065) displays in the Project Factors\ntable and additional information must be provided.\n\nYes | No\n\nIndicates whether the building containing the subject property is complete.\n\nYes | No\n\nIndicates whether the property has been converted into a condominium,\ncooperative, or condop within 3 years of the effective date of the appraisal\nreport.\n\nNote: If Yes, the Converted in Past 3 Years row (18.066) displays in the Project\nFactors table and additional information must be provided.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nProject Information: Ground Rent\n\n18.019 Ground Rent\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nYes | No\n\nIndicates whether the project is subject to ground rent.\n\nDo not include individual ground leases applied to the subject property.\nIndividual ground leases are captured in the Subject Property section (3.022)\nwhen Property Rights Appraised is Leasehold.\n\n18.020 Annual Amount Required if Ground\n"} diff --git a/chunks/json/7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950.json b/chunks/json/7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950.json new file mode 100644 index 0000000000000000000000000000000000000000..eb18d1df4e0325adfd7ea42fd1f185f5d72f96b8 --- /dev/null +++ b/chunks/json/7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21594,"char_start":19651,"chunk_id":"chk_7757089943a699ec","chunk_index":11,"chunk_sha256":"7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950","token_estimate":486,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"---\n\n## American Survey of Mortgage Borrowers\n\n### Introduction\n\nThe American Survey of Mortgage Borrowers (ASMB) is the third component of the [National Mortgage Database program](#top). The ASMB is conducted annually and is jointly sponsored by the Federal Housing Finance Agency and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB).\n\n### Purpose\n\nThe purpose of the ASMB is to collect voluntary feedback directly from mortgage borrowers about their experience with their mortgage and property. ASMB respondents are representative of the overall population of borrowers with a mortgage loan, including those who recently took out a loan and those who have had their loan for multiple years. The feedback collected by the ASMB includes information about a range of topics related to maintaining a mortgage and property, such as borrowers’ experiences with managing their mortgage, responding to financial stressors, insuring against risks, seeking assistance from federally-sponsored programs and other sources, and terminating a mortgage loan. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers' experiences maintaining a mortgage. The data will help shape policies in the future to better protect consumers.\n\n### For Survey Respondents\n\nIf you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers.\n\nIf you have or recently had a mortgage on a personal home or a home for someone else (such as a rental property), we would like to know more about your experiences with your mortgage and with property ownership. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers.\n"} diff --git a/chunks/json/7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653.json b/chunks/json/7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653.json new file mode 100644 index 0000000000000000000000000000000000000000..86e93a4dea29e0133ae2585b7136424eb25c136e --- /dev/null +++ b/chunks/json/7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12567,"char_start":10262,"chunk_id":"chk_c770b4a38e524d80","chunk_index":2,"chunk_sha256":"7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653","token_estimate":592,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"## FM Site Nav\n\n[Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting)\n - [Pricing & Execution](/pricing-execution)\n - [Delivering](/delivering)\n - [Servicing](/servicing)\n - [Learning Center](/learning-center)\n - [Apps & Technology](/applications-technology/applications-technology)\n - [News & Events](/news-events)\n - [Become a Partner](/become-fannie-mae-seller-or-servicer)\n Toggle search **\n\n[Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined(\"atomic-search-interface\"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf(\"guide\") !== -1 || window.location.host.indexOf(\"credit\") !== -1 || window.location.host.indexOf(\"fm\") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = \"\"; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != \"\" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + \"&q=\" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface(\"search-interface-search-bar\", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = \"@clickableuri\"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua(\"init\", accessToken, \"https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua\"); coveoua(\"send\", \"view\", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); });\n"} diff --git a/chunks/json/7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b.json b/chunks/json/7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b.json new file mode 100644 index 0000000000000000000000000000000000000000..12ea8488c98e01a220e86547c0e383d7de343d27 --- /dev/null +++ b/chunks/json/7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8809,"char_start":7091,"chunk_id":"chk_852c83128b578ac1","chunk_index":4,"chunk_sha256":"7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4be57452b7cc6aa7","text_sha256":"7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Performance_Data___FHFA_qw14v.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## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Duty To Serve Performance Data\n\n# Duty to Serve Performance Data\n\nThe [Duty to Serve Program](/programs/duty-to-serve) awards Duty to Serve credit for [eligible activities](/data/duty-to-serve/eligibility-data) that address the housing needs of very low-, low-, and moderate income families with incomes no greater than 100 percent of the area median income. This page shows acquisition and performance information for loans that are in Duty to Serve eligible areas or markets.\n"} diff --git a/chunks/json/7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3.json b/chunks/json/7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3.json new file mode 100644 index 0000000000000000000000000000000000000000..b30f3a6314c5b033b0187d8cfc6c092c76d58521 --- /dev/null +++ b/chunks/json/7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":149277,"char_start":147644,"chunk_id":"chk_aef0ae5aed04c62c","chunk_index":166,"chunk_sha256":"7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"MISMO Data Point Name\n\n2.012\n\nCompany Name\n\n2400.0295\n\nFullName\n\n2400.0296\n\nAddressLineText\n\n2400.0297\n\nCityName\n\n2400.0299\n\nStateCode\n\n2400.0298\n\nPostalCode\n\n2.013\n\nCompany Address\n\nCredentials\n\n2.014\n\nID\n\n2400.0397\n\nLicenseIdentifier\n\n2.015\n\nState\n\n2400.0398\n\nLicenseIssuingAuthorityStateCode\n\n2.016\n\nExpires\n\n2400.0396\n\nLicenseExpirationDate\n\nAppraiser and Supervisory Appraiser\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0300, FID: 2.010) = “Lender” or\n“Management Company”…\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\nIf LicenseIdentifier, LicenseIssuingAuthorityStateCode, and\nLicenseExpirationDate are not provided, do not display report label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0300, FID:\n2.010) = “ManagementCompany”. If not provided, do not display\nreport label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0300, FID:\n2.010) = “ManagementCompany”. If not provided, do not display\nreport label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0300, FID:\n2.010) = “ManagementCompany”. If not provided, do not display\nreport label.\n\nThis portion of Contact Information shows details about the Appraiser and Supervisory Appraiser (if any).\n\n• The Appraiser displays first, followed by the Supervisory Appraiser (if any).\n• Although the report is very similar for appraisers and supervisors, the datapoints are different, and therefore they are split out in this\n\nPage 94\n\ndocument.\n\nAppraiser\n\nInformation about the Appraiser displays based on PartyRoleType (UID: 2400.0056, FID: Not on report) = “Appraiser”, and always displays.\n"} diff --git a/chunks/json/7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e.json b/chunks/json/7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e.json new file mode 100644 index 0000000000000000000000000000000000000000..00d7212eaef522a62278af9e3ec892b6d394e9d9 --- /dev/null +++ b/chunks/json/7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":364143,"char_start":362536,"chunk_id":"chk_c828451fb0fe8819","chunk_index":215,"chunk_sha256":"7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\n12.010 Utilities\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nOutbuilding Area\n\nDefinition / Additional Guidance\n\nNone\nElectricity\nGas\nSanitary Sewer\n\nThe utilities that have been extended to the outbuilding.\n•\n•\n•\n•\n• Water\n•\n\nOther (Describe)\n\nThe Outbuilding Area table includes finished area (including room counts), unfinished area, and always displays.\nIt does not include area devoted to vehicle storage or ADUs.\n\nOutbuilding Detail: Outbuilding Area\n\nReport\nField ID\n\n12.011\n\nReport Label\n\nWhen to Include\n\nFinished\nTotal Area\n\nAlways required\n\nAllowable\nAnswers / Format\n\nNumber of square\nfeet\n\nDefinition / Additional Guidance\n\nOutbuilding Finished Area Excluding Vehicle Storage and ADU: The finished area\nof the building, excluding the finished area within any ADU or vehicle storage.\nIncludes above and below grade area. Can be 0.\n\n12.013 Unfinished\nTotal Area\n\nAlways required\n\nNumber of square\nfeet\n\nOutbuilding Unfinished Area Excluding Vehicle Storage and ADU: The unfinished\narea of the building, excluding the finished area within any ADU or vehicle\nstorage. Includes above and below grade area. Can be 0.\n\nAppendix F-1: URAR Reference Guide\n\nPage 153 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nROOMS IN THE OUTBUILDING\n\nThis subsection is for rooms in the outbuilding that are not part of an accessory dwelling unit. Rooms that are\npart of the ADU are captured in the Unit Interior section.\n\nReport\nField ID\n\n12.012\n\nReport Label\n"} diff --git a/chunks/json/7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e.json b/chunks/json/7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e.json new file mode 100644 index 0000000000000000000000000000000000000000..b85595663c8451ac774c184320c858020456141c --- /dev/null +++ b/chunks/json/7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12021,"char_start":8749,"chunk_id":"chk_c8a554368f9741c0","chunk_index":5,"chunk_sha256":"7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e","token_estimate":817,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"While the surge in mortgage delinquencies has a​bated since 2008, the post-crisis mortgage environment is still evolving. This evolution is particularly evident in the area of mortgage loan servicing, as costs to service delinquent loans, heightened regulatory oversight, and an increased reliance on technology continue to impact this fun​damental component of the housing finance industry. New entrants have further transformed the landscape, with non-depository servicers poised to provide needed capacity in place of traditional servicers.\n\n## Servicing Initiatives\n\nFHFA has worked with the Enterprises to develop and implement a number of initiatives. Each initiative reflects FHFA's commitment to supporting a mortgage servicing market that is profitable, sustainable, and liquid. These efforts include a servicing market survey, servicer financial standards development, policy alignment by Fannie Mae and Freddie Mac, and servicer compensation research.\n\n- [FHFA Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Servicers](/news/news-release/fhfa-and-ginnie-mae-announce-updated-minimum-financial-eligibility-requirements-for-enterprise). The updated requirements incorporate lessons learned from market events in reaction to the global COVID-19 pandemic, as well as industry feedback on the re-proposed requirements that were publicly released in February 2022.\n - FHFA, Fannie Mae, and Freddie Mac created new loss mitigation solutions and servicing flexibilities to assist borrowers impacted by the COVID-19 Pandemic. Fannie Mae and Freddie Mac retired these programs with the end of the National Emergency Declaration, but many similar flexibilities are still available for borrowers. In March 2023, FHFA announced Enhanced Payment Deferral policies to create additional home retention opportunities. For information for borrowers struggling to make their mortgage payments, please see the [Mortgage Assistance Page](/homeowners-and-homebuyers/mortgage-assistance).\n - In 2019, FHFA, Fannie Mae, and Freddie Mac evaluated the current liquidity requirements for non-depository Seller/Servicer counterparties which led to the [Proposed Minimum Financial Eligibility Requirements](/document/servicer-eligibility-faqs-1302020) that were posted to the FHFA website in January 2020. Previously, in 2015 FHFA issued updated [eligibility requirements for Enterprise seller/servicers](/policy/requirements-enterprise-sellerservices). The [Servicing Alignment Initiative (SAI)](/programs/loss-mitigation), announced in 2011, required Fannie Mae and Freddie Mac to align [loss mitigation programs](/programs/loss-mitigation) allowing servicers to uniformly implement loss mitigation policies. SAI enabled Fannie Mae and Freddie Mac to develop and implement consistent servicing policies that have increased servicer efficiencies in resolving delinquencies.\n - FHFA published a [white paper](/research/papers/discussion-paper-alternative-mortgage-servicing-compensation) in 2011 exploring alternatives for a [new mortgage servicing compensation structure](/policy/alternative-mortgage-servicing-compensation-initiative). The issues raised at that time serve as a guide for continuing research into compensation.\n ## Related Documents:\n"} diff --git a/chunks/json/7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300.json b/chunks/json/7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300.json new file mode 100644 index 0000000000000000000000000000000000000000..09edf6353c6c82c6a4c08ebd08216d669b2c86b3 --- /dev/null +++ b/chunks/json/7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14479,"char_start":12870,"chunk_id":"chk_2e1f9c68c1c90369","chunk_index":8,"chunk_sha256":"7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"SiteViews\n\nThe area is residential with similar housing stock which appears to have been accepted by the market.\n\nSite\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubjectProperty\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAssignment\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nSubject location is close to public transportation and employment centers, resulting in high demand for housing under $1 million. The identified market segment covers the bedroom community outside southeast LA.\n\nHighestAndBestUse\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nOverallQualityAndCondition\n\nThe overall quality and condition of the subject building and does not adversely affect the overall ratings provided.\n\nSubjectPriorSalesAndTransferHistory\n\nThere has been little fluctuation in the market during the past 4 years.\n\nComparablesPriorSalesAndTransferHistory\n\nThere was no information regarding material changes to Comparable #2 made known to the appraiser. Concerning Comparable #3, a kitchen remodel occurred prior to the most recent transfer, supporting an increase in price.\n\nVehicleStorage\n\nG22 and G23 - Space Numbers.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAsIs\n\n2019-09-08\n\n90\n\nReasonableExposureTime\n\n778000\n\nfalse\n\n4777564313\n\nPerformed an appraisal for refinance purposes in 2017.\n\ntrue\n\nOther\n\nNot Applicable due to property type\n\ntrue\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nNoPhysicalInspection\n\nSOMEAPP\n\nSome Appraisal Software\n\n10.2.1\n\nABCD Corporation\n"} diff --git a/chunks/json/7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb.json b/chunks/json/7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb.json new file mode 100644 index 0000000000000000000000000000000000000000..e491aefc616f526fa0ebe8097368d4aed0b830bc --- /dev/null +++ b/chunks/json/7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":114129,"char_start":112532,"chunk_id":"chk_2939e1e55b9b83fd","chunk_index":67,"chunk_sha256":"7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates whether the utility specified\nby Site Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='SanitarySewer']/@_\nPublicIndicator\n\n109\n\nSITE\n\nUtilities\nSanitary Sewer\nOther\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified\nby Site Utility Type is a non-public\nutility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='SanitarySewer']/@_\nNonPublicIndicator\n\n110\n\nSITE\n\n111\n\nSITE\n\nUtilities\nSanitary Sewer\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nOff-Site Improvements -\nType\nStreet\n\nProperty Off Site\nImprovement\nDescription\n\nA free-form text field used to describe\nthe ownership of the utility specified\nby Site Utility Type if it is a non-\npublic utility.\nA free-form text field used to describe\nthe property off-site improvement\nspecified by Property Off Site\nImprovement Feature Type.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='SanitarySewer']/@_\nNonPublicDescription\n\n/VALUATION_RESPONSE/PROPERTY/_OF\nF_SITE_IMPROVEMENT[@_Type='Street']/@\n_Description\n\n1\n\n1\n\n25\n\n25\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\nIf no sanitary sewer service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\nIf no sanitary sewer service is present, indicate 'None' in the description field.\n"} diff --git a/chunks/json/7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce.json b/chunks/json/7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce.json new file mode 100644 index 0000000000000000000000000000000000000000..6801e5bc9d4d370dbe81f61b97fa113dd1487500 --- /dev/null +++ b/chunks/json/7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1052060,"char_start":1050418,"chunk_id":"chk_414f68f7c971dc05","chunk_index":626,"chunk_sha256":"7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This data is referenced more than once on the form for the subject property and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-6\n(GSE View Type) is ‘Other’.\n\nCR\n\nSITE\n\nSpecific Zoning Classification\n\nSITE\n\nZoning Description\n\nSite Zoning\nClassification\nIdentifier\n\nSite Zoning\nClassification\nDescription\n\nIdentifies the zoning classification\napplied to the site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationIde\nntifier\n\n25\n\nString\n\nThis field should indicate the specific zoning classification of the subject property.\n\nA free-form text field used to describe the\nzoning classification of the property site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationDe\nscription\n\n4000\n\nString\n\nThis field should contain a description of the zoning classification of the subject\nproperty.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point\n\nSite Zoning\nCompliance\nDescription\n\nA free-form text field describing any\nissues concerning how the site complies\nwith zoning regulations including\nlimitations on future development.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningComplianceDesc\nription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nZoning Compliance\nLegal\n\nZoning Compliance\nLegal Nonconforming\n(Grandfathered Use)\n\nZoning Compliance\nNo Zoning\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of the\nsubject Site to zoning regulations.\n"} diff --git a/chunks/json/7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678.json b/chunks/json/7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678.json new file mode 100644 index 0000000000000000000000000000000000000000..0081237cd536b546fd99eca23646809f28d8ff11 --- /dev/null +++ b/chunks/json/7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61359,"char_start":59692,"chunk_id":"chk_0218d12a303b0f5b","chunk_index":36,"chunk_sha256":"7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Legal\nDescription Text\nDescription\n\nA free-form text field used to capture\nthe legal description of the property\nfor the type specified in Property\nLegal Description Type.\n\n/VALUATION_RESPONSE/PROPERTY/_LE\nGAL_DESCRIPTION[@_Type='Other' and\n@_TypeOtherDescription='LongLegal']/@_Text\nDescription\n\n150\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf the subject property is not located in any county (e.g. the subject property is\nlocated in an independent city), enter the name of the local municipality or\ndistrict in which the property is located.\n\n15\n\n1\n\n14\n\nSUBJECT\n\nAssessor's Parcel #\n\nGSE Assessors\nParcel Identifier\n\nThe identifier or identifiers that\ndescribes the location of the property\nas related to county, state or\nmunicipal tax records.\n\n/VALUATION_RESPONSE/PROPERTY/_IDE\nNTIFICATION/PROPERTY_IDENTIFICATIO\nN_EXTENSION/PROPERTY_IDENTIFICATI\nON_EXTENSION_SECTION[@ExtensionSecti\nonOrganizationName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_IDENTIFICATION_\nEXTENSION_SECTION_DATA/PARCEL_ID\nENTIFIER/@GSEAssessorsParcelIdentifier\n\n60\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf no parcel number is available, enter 'None'. If more than one parcel number\nis applicable, each should be listed, separated by a semicolon.\n\n16\n\n1\n\n15\n\nSUBJECT\n\nTax Year\n\nProperty Tax Year\nIdentifier\n\nThe sole or start year of the subject\nproperty's tax year for the\ninformation.\n\n/VALUATION_RESPONSE/PROPERTY/_TA\nX/@_YearIdentifier\n\n4\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\nShould be in a four digit year format.\n\nData Format:\nyyyy\n\nThe form field 1-16 (GSE Property Tax Total\nTax Amount) is greater than 0.\n"} diff --git a/chunks/json/7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f.json b/chunks/json/7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f.json new file mode 100644 index 0000000000000000000000000000000000000000..aeea6eccc23b5cb01ab03c327e6441cf94e622cf --- /dev/null +++ b/chunks/json/7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":256925,"char_start":255054,"chunk_id":"chk_06cb2b612681b6f6","chunk_index":134,"chunk_sha256":"7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f","token_estimate":467,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"IntegratedDisclosur\neSectionType\n\nOriginationCharges Not Shown\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nNot Shown –\nATR/QM\n\n7.3.2 Borrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n300.00\n\nROF as “$300.00”\n\n7.3.2 Borrower-Paid\n\n7.3.2 At Closing\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nfalse\n\nFOURTH INSTANCE OF FEE\n\nRepresented as\nBorrower-Paid\nheading on form\n\nRepresented as At\nClosing heading on\nform\n\nAppendix E: UCD Implementation Guide\n\nPage 116 of 254\n\nVersion 1.4\n\nRepresented as\n“(L)” preceding the\npayment amount\n\nROF as “Borrower\nApplication Fee”\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nTable 95. Origination Charge Line Items\n\nForm Field / Fee\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nUnderwriting Fee\n\n…/FEE/FEE_DETAIL\n\nFeeType\n\nUnderwritingFee\n\nID\n\n7.3\n\n@gse:DisplayLabelT\next\n\nIntegratedDisclosur\neSectionType\n\nUnderwriting Fee\n\nROF as\n“Underwriting Fee”\n\nOriginationCharges Not Shown\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nNot Shown –\nATR/QM\n\n7.3\n\nN/A - XML\n\nN/A - GSE\n\nUID\n7.080\n\n7.3.2 Borrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n1097.00\n\nROF as “$1,097.00”\n\n7.3.2 Borrower-Paid\n\n7.3.2 At Closing\n\n1. MAPPI NG GUI DANCE\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nfalse\n\nRepresented as\nBorrower-Paid\nheading on form\n\nRepresented as At\nClosing heading on\nform\n\nLoan Costs table line items are represented using data points within the FEE container structure. FEE repeats for\neach fee disclosed on the form (see REPEATABLE CONTAINERS in Section V). The child container FEE_DETAIL\ngroups the data points identifying the fee, and the child container FEE_PAYMENT then breaks out the fee\npayments by the amount, payor and timing relative to closing.\n"} diff --git a/chunks/json/7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c.json b/chunks/json/7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c.json new file mode 100644 index 0000000000000000000000000000000000000000..5f55f9f8dad9a690e6cbbec2f5f8ce437ef3efbf --- /dev/null +++ b/chunks/json/7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1833,"char_start":0,"chunk_id":"chk_444bebc4bbf755aa","chunk_index":0,"chunk_sha256":"7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c","date_utc":"2026-01-27T17:46:24+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e5501f422313448a","text_sha256":"7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c","token_estimate":458,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (4).pdf"]},"text":"Uniform Appraisal Dataset (UAD)\nand Forms Redesign\n\nPartner Playbook\n\nMarch 2023\n\nThis communication relates to the Uniform\nMortgage Data Program®, an effort undertaken\njointly by Fannie Mae and Freddie Mac at the\ndirection of the Federal Housing Finance Agency.\n\n© 2023 Fannie Mae and Freddie Mac\nTrademarks of the respective owners.\n\nTable of Contents\n\n3\n\n4\n\n5\n\n6-7\n\n8\n\n9-13\n\n14-15\n\n16\n\n17\n\nIntroduction\n\nWhat is the UAD and Forms Redesign Initiative?\n\nWhy is the UAD Being Updated?\n\nHow Can This Initiative Help the Industry?\n\nHow Are the Appraisal Forms Changing?\n\nRoadmaps (Appraisal Software Vendor, UCDP Direct Integration, Lender, Appraiser, AMC)\n\nReady to Build? Some Things to Consider…\n\nAdditional Resources\n\nTraining (Coming Soon)\n\nM A R C H 2 0 2 3\n\n2\n\nIntroduction\n\nThis playbook is designed to help industry partners\nprepare for and adopt the multi-year, joint government-\nsponsored enterprise (GSE) initiative to update the\nUniform Appraisal Dataset (UAD) and retire the existing\nappraisal forms. It provides information about how\nindustry partners can benefit from this initiative, timelines\nand roadmaps to keep you on track for building to or\nimplementing the new UAD and redesigned Uniform\nResidential Appraisal Report (URAR), and additional\nresources to learn more along the way.\n\nAs we get closer to the implementation date, we’ll\nprovide links to training opportunities, so check back\noften to make sure you’re on track.\n\nM A R C H 2 0 2 3\n\n3\n\nWhat is the UAD and Forms\nRedesign Initiative?\n\nAs the name implies, this is an effort to update the UAD –\nthe dataset behind appraisal forms submitted to Fannie\nMae and Freddie Mac (the GSEs) – and align it with the\ncurrent industry-standard MISMO Reference Model. It will\nalso mean replacing all the existing GSE forms with a\nsingle flexible and dynamic report.\n"} diff --git a/chunks/json/7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4.json b/chunks/json/7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4.json new file mode 100644 index 0000000000000000000000000000000000000000..ae1cb97c6ded4675b4f7b4fc5e648ab1396af68e --- /dev/null +++ b/chunks/json/7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":273,"char_start":0,"chunk_id":"chk_b572a6f36aa13d3d","chunk_index":0,"chunk_sha256":"7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f51385ccfac5e81a","text_sha256":"7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4","token_estimate":86,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Integrated_Vendor_List___Fannie_Mae_whn07m.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/integrated-vendor-list\"\ndate_accessed: \"2026-01-27T18:02:18.426Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"} diff --git a/chunks/json/7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d.json b/chunks/json/7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d.json new file mode 100644 index 0000000000000000000000000000000000000000..6c04e1cd872945f3f373ea195b3e04041cb40d5e --- /dev/null +++ b/chunks/json/7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1037573,"char_start":1035522,"chunk_id":"chk_45811943b952b0d7","chunk_index":618,"chunk_sha256":"7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d","token_estimate":513,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Demand\nSupplyType='InBalance']\n\n6\n\n6\n\n6\n\n10\n\n10\n\n10\n\n10\n\n10\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-52, 1-53, 1-54\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-52, 1-53, 1-54 (\nvalues of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-52, 1-53, 1-54 (\nvalues of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-55, 1-56, 1-57 (\nvalues of Neighborhood Builtup Range Type)\nshould be indicated.\nOne and only one of fields 1-55, 1-56, 1-57 (\nvalues of Neighborhood Builtup Range Type)\nshould be indicated.\nOne and only one of fields 1-55, 1-56, 1-57 (\nvalues of Neighborhood Builtup Range Type)\nshould be indicated.\nOne and only one of fields 1-58, 1-59, 1-60\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-58, 1-59, 1-60\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-58, 1-59, 1-60\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-61, 1-62, 1-63\n(values of Neighborhood Property Value Trend\nType) must be indicated.\nOne and only one of fields 1-61, 1-62, 1-63\n(values of Neighborhood Property Value Trend\nType) must be indicated.\nOne and only one of fields 1-61, 1-62, 1-63\n(values of Neighborhood Property Value Trend\nType) must be indicated.\nOne and only one of fields 1-64, 1-65, 1-66\n(values of Neighborhood Demand and Supply\nType) must be indicated.\nOne and only one of fields 1-64, 1-65, 1-66\n(values of Neighborhood Demand and Supply\nType) must be indicated.\n"} diff --git a/chunks/json/7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b.json b/chunks/json/7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b.json new file mode 100644 index 0000000000000000000000000000000000000000..05fc631fcd380b886ad1097b6da97bd15c44d01b --- /dev/null +++ b/chunks/json/7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88715,"char_start":86844,"chunk_id":"chk_96b99578582db2dc","chunk_index":47,"chunk_sha256":"7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b","token_estimate":468,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"I\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\n34207\n\nwas received or the date shown on the\nloan application form. Application Date\nis collected by the Enterprises.170\nBecause Application Date presents\nborrower privacy concerns, the CFPB\nPrivacy Guidance intends to exclude it\nfrom the CFPB’s public dataset.171\nAccordingly, Application Date will not\nbe included in the Multifamily PUDB,\nin conformance with the CFPB Privacy\nGuidance.\n\nProperty Address: Property Address is\n\na new HMDA data element that\nindicates the address of the property\nsecuring the loan.172 Property Address\nis collected by the Enterprises. Because\nProperty Address is uniquely\nidentifying, the CFPB Privacy Guidance\nintends to exclude it from its public\ndataset.173 Accordingly, Property\nAddress will not be included in the\nMultifamily PUDB, in conformance with\nthe CFPB Privacy Guidance.\n\nCredit Score: Credit Score is a new\nHMDA data element that indicates the\ncredit score relied on by the lender to\nmake the decision on the application.174\nThe Enterprises collect Credit Score for\nsome natural person multifamily\nborrowers. The CFPB requires Credit\nScore to be reported, but the CFPB\nPrivacy Guidance intends to exclude it\nfrom disclosure in the CFPB’s public\ndataset.175 Accordingly, Credit Score\nwill not be included in the Multifamily\nPUDB, in conformance with the CFPB\nPrivacy Guidance.\n\n5. Multifamily Data Elements Exempt\nFrom HMDA\n\nUnder Regulation C, Preapproval,\nIncome, Debt-to-Income, Manufactured\nHome Secured Property Type, and\nManufactured Home Land Property\nInterest data are not reported for\nmultifamily loans.176 Accordingly, these\nare not HMDA data elements for PUDB\npurposes. They are not included in the\ncurrent Multifamily PUDB and will not\nbe added to the Multifamily PUDB.\n"} diff --git a/chunks/json/7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67.json b/chunks/json/7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67.json new file mode 100644 index 0000000000000000000000000000000000000000..d093fcabffd5dd59a7176c3bc367e59b7480a886 --- /dev/null +++ b/chunks/json/7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1248729,"char_start":1247029,"chunk_id":"chk_647d870d98fb1d79","chunk_index":741,"chunk_sha256":"7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL\nYSIS/@EstimatedMarketMonthlyRentAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL\nYSIS/@GrossRentMultiplierFactor\n\n12\n\n12\n\n12\n\n12\n\n9\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nThis data is referenced more than once on the form (field 2-126), and must be\nrepresented consistently.\n\nMoney\n\nMoney\n\nPDF Display Format:\nWhole numbers only\nPDF Display Format:\nWhole numbers only\n\nNumeric\n\nPDF Display Format:\nWhole numbers only\n\nINCOME\nAPPROACH\n\nIndicated Value of Income\nApproach\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Income Approach\nmethod of property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL\nYSIS/@ValueIndicatedByIncomeApproachAmount\n\n12\n\nMoney\n\nThis data is referenced more than once on the form (field 2-127), and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole numbers only\n\nINCOME\nAPPROACH\n\nSummary of Income Approach\n(including support for market\nrent and GRM)\n\nA free-form text field used to describe or\ncomment on the use of the Income\nApproach in valuing a property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL\nYSIS/@_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nIs the developer/builder in\ncontrol of the Homeowners'\nAssociation (HOA)?\nYes\nIs the developer/builder in\ncontrol of the Homeowners'\nAssociation (HOA)?\nNo\nPUD\nProject Unit Type(s)\nDetached\nPUD\nProject Unit Type(s)\nAttached\n"} diff --git a/chunks/json/7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f.json b/chunks/json/7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f.json new file mode 100644 index 0000000000000000000000000000000000000000..fc866e0aca4b01660f1cf305b79e1231adb38abb --- /dev/null +++ b/chunks/json/7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":953525,"char_start":951798,"chunk_id":"chk_fc54fedbafbeff4e","chunk_index":567,"chunk_sha256":"7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The 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='PorchDeck']/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu\nreDescription\n\n1\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of other finished rooms in the basement.\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nNumeric, 1-digit\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nString\n\nThis is a free text field which should describe the functional utility.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\nMoney\n\nString\n\nMoney\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D - Sales Comparison Approach Section\nThis is a free text field which must describe any energy efficient items.\n"} diff --git a/chunks/json/7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084.json b/chunks/json/7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084.json new file mode 100644 index 0000000000000000000000000000000000000000..f1fc16447edeca8016c19bc99948a645242932dc --- /dev/null +++ b/chunks/json/7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084.json @@ -0,0 +1 @@ +{"chunk":{"char_end":85157,"char_start":83513,"chunk_id":"chk_cbeffee920a727de","chunk_index":49,"chunk_sha256":"7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Page 49 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nAbove Grade Room Count, Gross Living\nArea\nThe appraiser must enter the total number of\nrooms as well as the number of bedrooms\nand bathrooms for the subject property and\neach comparable property. The appraiser\nmust also enter the gross living area for the\nsubject property and each comparable\nproperty. The appraiser must follow the same\nstandards outlined in the Improvements\nsection under “Finished Area Above Grade”\nand “Square Feet of Gross Living Area Above\nGrade.” Reporting Format:\n# of Rooms – Numeric to 2 digits, whole\nnumbers only\n# of Bedrooms – Numeric to 2 digits, whole\nnumbers only # of Bath(s) – Numeric to 2\ndecimal places\nSeparate full bath count from half bath count\nwith a period (.), nn.nn Gross Living Area –\nNumeric to 5 digits, whole numbers only\n\nExample:\n3.2 indicates three full baths and two half\nbaths above grade.\n\nPage 50 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n"} diff --git a/chunks/json/7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c.json b/chunks/json/7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c.json new file mode 100644 index 0000000000000000000000000000000000000000..c2fb265f9015eb89a3d8586e159e48976e268d33 --- /dev/null +++ b/chunks/json/7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1177744,"char_start":1175882,"chunk_id":"chk_52523aa1614ec975","chunk_index":699,"chunk_sha256":"7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c","token_estimate":466,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nMoney\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 195 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\n300\n\n2\n\ne-5\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_\nVIEW_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectio\nnOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION\n_SECTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSE\nViewOverallRatingType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nData Field\nConditionality\n\nR\n\n301\n\n2\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(ViewType)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETA\nIL_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@G\nSEViewType\n"} diff --git a/chunks/json/7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77.json b/chunks/json/7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77.json new file mode 100644 index 0000000000000000000000000000000000000000..05a27935282f7b0ab41df15276c45853a749358a --- /dev/null +++ b/chunks/json/7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":163175,"char_start":161445,"chunk_id":"chk_a4dc21377083c7ed","chunk_index":89,"chunk_sha256":"7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"1. ESTIMATED TAXES, INSURANCE & ASSESSMENTS\n\nFor this section, total estimated property costs per month are $356. This amount is the sum of the monthly charges for\ntaxes, insurance and assessments and is included in the XML file regardless of whether any of these charges is paid out of an\nescrow account.\n\nValues provided in “Other” on the form should NOT use the enumeration “Other” unless the needed cost is not specified\nin UCD v2.0. In that situation, the value “Other” is used for ProjectedPaymentsEstimatedTaxesInsuranceAssessment\nComponentType and ProjectedPaymentsEstimatedTaxesInsuranceAssessmentComponentTypeOtherDescription must be\nincluded with a value describing the item succinctly and clearly.\n\nFigure 49. Rendering Estimated Taxes, Insurance & Assessment Data on the CD Projected Payments Table.\n\nProjected Payments\n\n5.5 Estimated Total\nMonthly Payment\n\n5.0\n\n5.5.1\n5.5.2\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\n5.6.1 $356.16\n5.6.2 a month\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5  Other: Homeowner’s Association Dues\n\nIn escrow?\nYES\nNO\nNO\n\na. Estimated Property Cost Line Items\n\nThree property cost items are identified in Figure 49 and are provided in the XML file using\n\nProjectedPaymentsEstimatedTaxesInsuranceAssessmentComponentType = “PropertyTaxes”, “HomeownersInsurance”, and\n\nUCD v2.0 Implementation Guide\n\n- 70 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n“HomeownersAssociationDues“. “Homeowner’s Association Dues” is provided next to the “Other” checkbox on the form,\nbut it is a supported enumeration for “…ComponentType” so it, NOT “Other” is provided in the XML file.\n"} diff --git a/chunks/json/7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794.json b/chunks/json/7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794.json new file mode 100644 index 0000000000000000000000000000000000000000..578c34de84d7e49290f91c9c3b2b6f5fbaa0bac4 --- /dev/null +++ b/chunks/json/7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794.json @@ -0,0 +1 @@ +{"chunk":{"char_end":826975,"char_start":825580,"chunk_id":"chk_a54112ae6c78a242","chunk_index":491,"chunk_sha256":"7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"At least one of fields 2-42, 2-43, 2-44, 2-45,\n2-46 and 2-47 should be populated.\n\nAt least one of fields 2-42, 2-43, 2-44, 2-45,\n2-46 and 2-47 should be populated.\n\nAt least one of fields 2-42, 2-43, 2-44, 2-45,\n2-46 and 2-47 should be populated.\n\nAt least one of fields 2-42, 2-43, 2-44, 2-45,\n2-46 and 2-47 should be populated.\n\nAt least one of fields 2-42, 2-43, 2-44, 2-45,\n2-46 and 2-47 should be populated.\n\nAt least one of fields 2-42, 2-43, 2-44, 2-45,\n2-46 and 2-47 should be populated.\n\nIf field 2-47 is indicated then this field\nshould be populated.\n\nAt least one of fields 2-54 (Cooling\nCentralized Indicator = 'Y'), 2-55 (Cooling\nIndividual Indicator = 'Y'), 2-56 (Cooling\nOther Indicator = 'Y') should be indicated.\nIf field 2-57 (Cooling Unit Description)\nindicates 'None' then fields 2-54 and 2-55\nshould not be indicated.\n\nAt least one of fields 2-54 (Cooling\nCentralized Indicator = 'Y'), 2-55 (Cooling\nIndividual Indicator = 'Y'), 2-56 (Cooling\nOther Indicator = 'Y') should be indicated.\nIf field 2-57 (Cooling Unit Description)\nindicates 'None' then fields 2-54 and 2-55\nshould not be indicated.\n\nAt least one of fields 2-54 (Cooling\nCentralized Indicator = 'Y'), 2-55 (Cooling\nIndividual Indicator = 'Y'), 2-56 (Cooling\nOther Indicator = 'Y') should be indicated.\nIf field 2-57 (Cooling Unit Description)\nindicates 'None' then fields 2-54 and 2-55\nshould not be indicated.\n"} diff --git a/chunks/json/7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34.json b/chunks/json/7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34.json new file mode 100644 index 0000000000000000000000000000000000000000..7e52188a77f8e03b9f06d3d6ce178af5700607ec --- /dev/null +++ b/chunks/json/7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11507,"char_start":8845,"chunk_id":"chk_debaae2182545cfc","chunk_index":5,"chunk_sha256":"7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34","token_estimate":666,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"- [Our Privacy Policy Is Clear](#OPP)\n- [Information Collected and Stored Automatically](#ICSA)\n- [Website Measurement and Customization Technologies (e. g. Cookies) Policy](#WMCT)\n- [If You Send Us Personal Information](#IYSUPI)\n- [E-Mail Policy](#EMP)\n- [What are Your Rights under the Privacy Act of 1974?](#WAYR)\n- [Principal Purpose and Routine Uses of Information](#PPRUI)\n- [Authority for Collecting Information](#ACI)\n- [Information from Children](#IFC)\n- [Copyright](#copyright)\n- [Agency Name and Official Seal Permissions](#ANOSP)\n- [Links to other Websites](#Links)\n- [Social Media](#Social)\n- [Internet Security](#Security)\n- [False Statements and Documents](#False)\n- [Liability](#Liability)\n- [Questions about Privacy](#Questions)\n\n## 1. Our Privacy Policy is Clear\n\nYou do not have to provide personal information to use this website. We will not collect any personal information about you when you visit our website unless you voluntarily choose to provide such information to us. We respect your right to privacy and will protect it when you visit our website.\n\n## 2. Information Collected and Stored Automatically\n\nIf, during your visit to FHFA.gov, you only browse through the website, read pages, or download information, we automatically collect and store the following information:\n\n- The Internet domain *(for example, \"xcompany.com\" if you use a private Internet access account, or \"yourschool.edu\" if you connect from a university's domain),* and IP address *(an IP address is a number that is assigned automatically to your computer whenever you are surfing the Web)*from which you accessed our website;\n- The type of browser and operating system you used to access our site;\n- The date and time you accessed our site;\n- The pages you visited;\n- The type of actions you performed, such as information requests, and the searches you performed;\n- The number of bytes of information, if any, sent by our server; and\n- If you linked to our website from another website, the address of that website.\nThis information does not identify you personally. We use this information to help make our site more useful to visitors. This data is used in summary form for statistical purposes: (i) to learn about the number of visitors to our site and the types of technology our users use to access our site; (ii) to assess system performance; (iii) to identify problems with agency systems; and (iv) to improve the site for users. In the event of a computer security incident, such data may be further refined to allow computer security specialists to identify Internet service providers and, in certain cases, individuals or entities attacking FHFA.\n"} diff --git a/chunks/json/7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801.json b/chunks/json/7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801.json new file mode 100644 index 0000000000000000000000000000000000000000..b7e177078689bacbe9c0f02066483d0ba405f9cd --- /dev/null +++ b/chunks/json/7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1718,"char_start":0,"chunk_id":"chk_f3d29e6aa9d38055","chunk_index":0,"chunk_sha256":"7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5934480f9c49697f","text_sha256":"7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Career_Opportunities___FHFA_za06ye.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/careers\"\ndate_accessed: \"2026-01-27T17:54:20.330Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57.json b/chunks/json/7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57.json new file mode 100644 index 0000000000000000000000000000000000000000..606ae3ff3169f673f7e102adcb99a214142ff694 --- /dev/null +++ b/chunks/json/7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3612,"char_start":2740,"chunk_id":"chk_f19f6617c5783e4e","chunk_index":2,"chunk_sha256":"7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57","token_estimate":408,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"1.061\n\n- 1.062\n\n1.034\n\n1.041\n\n1.049\n\n1.056\n\n1.064\n\n1.070\n\n1.076\n\n1.035\n\n1.039\n\n1.042\n\n1.050\n\n1.057\n\n1.065\n\n1.071\n\n1.077\n\n1.054\n\n1.082\n\n1.032\n\n1.036\n\n1.043\n\n1.051\n\n1.058\n\n1.066\n\n1.072\n\n1.078\n\n1.037\n\n1.044\n\n1.052\n\n1.059\n\n1.067\n\n1.073\n\n1.079\n\n1.038\n\n1.045\n\n1.053\n\n1.060\n\n1.068\n\n1.074\n\n1.080\n\n1.081\n\n1.083\n\n1.084\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nSeller Name\nCurrent Owner of Public Record\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:19)\n"} diff --git a/chunks/json/7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8.json b/chunks/json/7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8.json new file mode 100644 index 0000000000000000000000000000000000000000..db38607e98b8d7cffb2d23a2b7a2754153f8e6a1 --- /dev/null +++ b/chunks/json/7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20389,"char_start":18937,"chunk_id":"chk_99d7a725f7eeda87","chunk_index":12,"chunk_sha256":"7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8","token_estimate":418,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"73,086 open jobs](https://www.linkedin.com/jobs/marketing-analyst-jobs?trk=organization_guest-browse_jobs)\n - [### Accountant jobs\n\n91,739 open jobs](https://www.linkedin.com/jobs/accountant-jobs?trk=organization_guest-browse_jobs)\n - [### Landman jobs\n\n839 open jobs](https://www.linkedin.com/jobs/landman-jobs?trk=organization_guest-browse_jobs)\n - [### Senior Analyst jobs\n\n91,204 open jobs](https://www.linkedin.com/jobs/senior-analyst-jobs?trk=organization_guest-browse_jobs)\n - [### Officer jobs\n\n1,191,868 open jobs](https://www.linkedin.com/jobs/officer-jobs?trk=organization_guest-browse_jobs)\n - [### Project Manager jobs\n\n253,048 open jobs](https://www.linkedin.com/jobs/project-manager-jobs?trk=organization_guest-browse_jobs)\n - [### Vice President jobs\n\n235,270 open jobs](https://www.linkedin.com/jobs/vice-president-jobs?trk=organization_guest-browse_jobs)\n - [### Transportation Analyst jobs\n\n39,811 open jobs](https://www.linkedin.com/jobs/transportation-analyst-jobs?trk=organization_guest-browse_jobs)\n - [### Experience Manager jobs\n\n360,812 open jobs](https://www.linkedin.com/jobs/experience-manager-jobs?trk=organization_guest-browse_jobs)\n - [### Associate jobs\n\n1,091,945 open jobs](https://www.linkedin.com/jobs/associate-jobs?trk=organization_guest-browse_jobs)\n - [### Director jobs\n\n1,220,357 open jobs](https://www.linkedin.com/jobs/director-jobs?trk=organization_guest-browse_jobs)\n - [### Technical Lead jobs\n"} diff --git a/chunks/json/7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743.json b/chunks/json/7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743.json new file mode 100644 index 0000000000000000000000000000000000000000..1f2060ee68250af43899afcbf06a5e68f5ee65d3 --- /dev/null +++ b/chunks/json/7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29207,"char_start":28746,"chunk_id":"chk_29fef60a97c19612","chunk_index":40,"chunk_sha256":"7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Site Influence ............................................................................................................................................................................................................................ 120\n\nView and Impact to Value/Marketability ................................................................................................................................................................................. 125\n"} diff --git a/chunks/json/7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c.json b/chunks/json/7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c.json new file mode 100644 index 0000000000000000000000000000000000000000..afdc148c58034b00a403a970231cddbd2b63a389 --- /dev/null +++ b/chunks/json/7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13965,"char_start":12329,"chunk_id":"chk_3620a3c2a01a3246","chunk_index":7,"chunk_sha256":"7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"![Figure 2: Example of National Risk Index Information for Composite Risk](/sites/default/files/2024-09/Figure-2-Example-of-National-Risk-Index-Information-for-Composite-Risk.png)\n\n*Figure 2: Example of National Risk Index Information for Composite Risk*\n\n### Acquisition Tab\n\nThe Acquisition tab shows the counts and total acquisition UPB of the loans purchased by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (FHLBanks) in 2022. The geographic filters allow users to find the statistics for the communities in which they are interested. Once the filters are selected, the tab will show the information for the selected state, county, and census tract.\n\n![Figure 3: Acquisition tab](/sites/default/files/2024-09/FAQ_Figure_3_large.png)\n\n*Figure 3: Acquisition Tab*\n\n## **Frequently Asked Questions**\n\nFor questions regarding FEMA’s NRI data, please refer to the technical documentation [here](https://hazards.fema.gov/nri/frequently-asked-questions).\n\n- **Why are “National Risk Index” and “Expected Annual Loss” blank in the default setting?** - The National Risk Index Score and Expected Annual Loss (Figure 4, highlighted in red) are census tract-level data. It will be blank until a “State,” “County,” and “Tract” in the Filter section is selected (Figure 4, highlighted in yellow). The census-level information will be populated once a census tract is selected, as shown in Figure 5.\n - The “Avg. State” represents an average of indices in the census tracts in a selected state and it will be populated once a State is selected.\n ![Figure 4: NRI and EAL](/sites/default/files/2024-09/figure-4-nri-and-eal.png)\n"} diff --git a/chunks/json/7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13.json b/chunks/json/7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13.json new file mode 100644 index 0000000000000000000000000000000000000000..218c420892704213508832a1b7e0abde35b8af0d --- /dev/null +++ b/chunks/json/7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16426,"char_start":14823,"chunk_id":"chk_ad086240edbbe405","chunk_index":9,"chunk_sha256":"7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13","token_estimate":401,"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":"Well maintained\n\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nWet Bar\n\nWet bar with custom brick\nwork has been added as a\nunique interior feature.\n\nBasement has a custom brick\nwet bar that includes wood\ncountertops.\n\nTypical Wear and Tear\n\nOverall Update Status for\nFlooring\n\nModerately Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Primary Dwelling)\n\nNone\n\nUnit Interior Commentary\n\nThe 1st floor primary bedroom bath was gut renovated approximately 2 – 3 years ago with upgrades to the shower, addition of a large soaking\ntub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The\nkitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was\nreplaced throughout approximately 5 - 6 years ago with upgraded carpet on the first floor (including primary bedroom) and basement family\nroom. The 2nd floor carpeting was also replaced, however with standard grade carpet. The vinyl floors in the 2nd floor baths were replaced\nwith standard grade vinyl 6 years ago.\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Full - Bath 1\n\nLevel 2 - Bath - Full - Bath 2\n\nThis is where the 1st Full Bath photo would display.\n\nThis is where the 2nd Full Bath photo 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 9 of 23\n\nUnit Interior - Primary Dwelling (continued)\n"} diff --git a/chunks/json/7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688.json b/chunks/json/7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688.json new file mode 100644 index 0000000000000000000000000000000000000000..46468d127dd6b37804b713eeaf7dcdfa7b4368b5 --- /dev/null +++ b/chunks/json/7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688.json @@ -0,0 +1 @@ +{"chunk":{"char_end":615849,"char_start":614271,"chunk_id":"chk_31bfbcd39ca409ee","chunk_index":363,"chunk_sha256":"7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\n20\n\n10\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-74 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nCR\n\nCR\n\nCR\n\nString\n\nThis field should indicate the floor on which the unit is located.\n\nT\n\nT\n\nT\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-76 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-74, 3-78, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nCR\n\nCR\n\nCR\n\n414\n\n3\n\ne-5\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='U\nNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC\nTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral\nlRatingType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n"} diff --git a/chunks/json/7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572.json b/chunks/json/7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572.json new file mode 100644 index 0000000000000000000000000000000000000000..34cd20a9933db6ab87097346c42bd4192d9a12a9 --- /dev/null +++ b/chunks/json/7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14761,"char_start":13904,"chunk_id":"chk_469da66ce439a8c7","chunk_index":8,"chunk_sha256":"7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572","token_estimate":214,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"Limited windows and doorways, constructed\nof economy grade materials, simple in shape\nand design, and featuring basic trim and\nfinish.\nBasic roof design, usually low‐pitch and\nsingle roofline; features economy or\nstandard‐grade roof materials.\nExterior walls constructed using economy or\nstandard‐grade materials and featuring\nminimal corners; usually a basic rectangular\nshape.\n\nLimited windows and doorways, constructed\nof lower‐grade materials and featuring\nminimal or no trim and finish.\nBasic roof design, usually low‐pitch and\nsingle roofline; may possess inconsistent\nrooflines if additions are present; features\nlow‐grade or alternate roof materials.\nExterior walls constructed using economy or\nlow‐grade materials and featuring minimal\ncorners; usually a basic rectangular shape.\n\nCondition and Quality Rating Definitions\n\nPage 5 of 5\n\nVersion 1.0\n"} diff --git a/chunks/json/7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a.json b/chunks/json/7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a.json new file mode 100644 index 0000000000000000000000000000000000000000..73979fcbea84216f111cc6704d06866cf55b4284 --- /dev/null +++ b/chunks/json/7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":68749,"char_start":68225,"chunk_id":"chk_84d2ed4dd0ae4977","chunk_index":110,"chunk_sha256":"7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a","token_estimate":442,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Site Value .................................................................................................................................................................................................................................. 336\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 19\n\nCost Approach Commentary .................................................................................................................................................................................................... 339\n"} diff --git a/chunks/json/7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699.json b/chunks/json/7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699.json new file mode 100644 index 0000000000000000000000000000000000000000..e8a50ee34d5595ef8d2dac7ff3575c466b6b0bc5 --- /dev/null +++ b/chunks/json/7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699.json @@ -0,0 +1 @@ +{"chunk":{"char_end":159719,"char_start":158003,"chunk_id":"chk_a43d6ba9681efcfd","chunk_index":74,"chunk_sha256":"7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699","token_estimate":429,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"BuydownChangeFr\nequencyMonthsCo\nunt\n\n12\n\nID\n(bullet)\n\n4.2.3 (1)\n20.4 |\n20.5\n\n4.2.3 (2) Goes as high as\n_%_ in year _#_\n\nBuydownDuration\nMonthsCount\n\n36\n\nRepresented as\nboth “Adjusts\nevery year” and\n“starting in Year 2”\non form\n\nRepresented as in\nYear 4 on form\n\nc. LOANS WI TH OPTION TO EXTEND LOAN TERM\n\nAn additional bullet point is required if the loan product has a fixed P&I payment that allows any interest rate\nincreases to extend the loan term instead of the increasing the payment. This situation requires the inclusion of\nan additional data point in the XML file to represent the maximum loan term, as shown in the table below.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $162,000\n\n4.1.2 NO\n\n4.1.3 • Description if YES\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 YES\n\n4.2.3 • Adjusts every 3 years starting in year 6\n• Can go as high as 12% in year 15\n• Can increase loan term to 35 Years\n• See AIR Table on page 4 for details\n\nFigure 40. Loan Terms Table – Interest Rate Increases Extend Loan Term\n\nTable 56. Extend Loan Term Instead of Increase Rate\n\nID\n(bullet)\n\n4.2.3 (3)\n\nForm Field Name\n\nCan increase loan\nterm to n\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n…/MATURITY_RULE LoanTermMaximu\n\n420\n\nmMonthsCount\n\nRepresented as “35\nYears” on form\n\ni. MAPPI NG GUIDANCE\n\nSee IV.A.5. Static Boilerplate.\n\n4. 3 PRI NCI PAL AND I NTERE ST\n\nThe third key term presented in the Loan Terms table is the initial periodic Principal & Interest (P&I) payment\namount that will be due under the terms of the legal obligation. The data point used to represent the P&I\npayment amount depends on whether it is known at the time of consummation.\n"} diff --git a/chunks/json/7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150.json b/chunks/json/7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150.json new file mode 100644 index 0000000000000000000000000000000000000000..d23c9148cb148f90bdf3b76098de7e93de92cfc8 --- /dev/null +++ b/chunks/json/7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49081,"char_start":47469,"chunk_id":"chk_6224fe14542942f8","chunk_index":26,"chunk_sha256":"7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"No lease requirements relating to\nassignments, transfers, subleases or\nmortgages.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 22 of 166\n\nUAD 3.6 Policy\n\nLease Requirements if the Borrower is the Lessee\n\nLease Requirements if the HOA or Co-op\nCorporation is the Lessee\n\n•\n\nlimitations in accordance and compliance within Selling\nGuide B5-5.2-01, Loans With Resale Restrictions: General\nInformation.\n\nThe lease must provide protection of the lender's financial interests in\nthe event of a condemnation or similar taking proceeding.\n\nNote: If the lease provisions are silent or insufficient, the lender may rely\non applicable state law or other written agreement that provides\nsubstantially the same protections.\n\nSee Selling Guide B4-2.2-03, Full Review:\nAdditional Eligibility Requirements for Units\nin New and Newly Converted Condo\nProjects and B4-2.3-03, Legal Requirements\nfor Co-op Projects.\n\nThe lease must not include any default provisions that could result in\nforfeiture or termination of the lease, unless the lease provides the\nlender with:\n\n•\n\n•\n\nthe right to receive notice of any lessee default under the lease,\nand\n\nat least 30 days, at the lender's option, to either cure the\ndefault, take over the lessee's rights under the lease, or\ncommence foreclosure.\n\nNote: If the property is located in Maryland, it is exempt from this\nrequirement if applicable state law provides for the registration of\nresidential leases with the state and requires the lessor to send written\nnotice of default under the lease to the lender at least 30 days prior to\nthe lessor filing an action for possession.\n"} diff --git a/chunks/json/7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d.json b/chunks/json/7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d.json new file mode 100644 index 0000000000000000000000000000000000000000..9ea57a87d2b4745ca9df41f80d4040756e7fe135 --- /dev/null +++ b/chunks/json/7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22678,"char_start":20690,"chunk_id":"chk_bcee382f5fbec4e3","chunk_index":12,"chunk_sha256":"7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d","token_estimate":497,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.\n\n8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that\nhas been built or will be built on the land.\n\n9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject\nproperty and the comparable sales.\n\n10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in\nthe sale or financing of the subject property.\n\n11. I have knowledge and experience in appraising this type of property in this market area.\n\n12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing\nservices, tax assessment records, public land records and other such data sources for the area in which the property is located.\n\n13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\nreliable sources that I believe to be true and correct.\n\n14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject\nproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I\nhave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the\nsubject property or that I became aware of during the research involved in performing this appraisal. I have considered these\nadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and\nmarketability of the subject property.\n"} diff --git a/chunks/json/7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b.json b/chunks/json/7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b.json new file mode 100644 index 0000000000000000000000000000000000000000..dd26c1325be8f3488fac1874ef59b932041c81f3 --- /dev/null +++ b/chunks/json/7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":262476,"char_start":260836,"chunk_id":"chk_8534e9bb153f14c1","chunk_index":153,"chunk_sha256":"7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE Basement Exit\nType\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\n\n339\n\n2\n\n82\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\nAdjustment\n\n(Line 1)\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n340\n\n2\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms\nbelow grade.\n\n341\n\n2\n\ne-22\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below\ngrade.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeTotalSquareFeetNum\nber\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeFinishSquareFeetNu\nmber\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBasementExitType\n"} diff --git a/chunks/json/7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601.json b/chunks/json/7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601.json new file mode 100644 index 0000000000000000000000000000000000000000..04211abc8985c6dfefda3b619e91d4cc34ac94c1 --- /dev/null +++ b/chunks/json/7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601.json @@ -0,0 +1 @@ +{"chunk":{"char_end":528627,"char_start":526999,"chunk_id":"chk_70d5499180f66803","chunk_index":304,"chunk_sha256":"7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The ADU has 704 sq. ft. of below-grade finished area containing a bedroom, full bathroom, kitchen, and\nliving room. The ADU has an exterior walk out and no interior access to the primary dwelling.\n\nThe subject property has an attached two-car garage, detached two-car carport, and a four-car\ndriveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove.\n\nThe dwelling was 40 years old as of the effective date of the appraisal. Overall, the dwelling exhibits\ntypical wear and tear and is in C4 condition.\n\nThe subject property is under contract and pending sale for $765,000.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\n•\n•\n•\n\nLender (Client)\nAMC\nAppraiser\n\n• Defects, Damages, Deficiencies: None\n•\n\nSubject Property\n\n•\n•\n\nProperty Rights Appraised: Leasehold\nAttachment Type: Detached\n\n•\n\nSite Utilities\n\n• Water and Sanitary Sewer are public\n•\n\nElectric is private (solar panels) with connection to public electrical lines maintained\n\n•\n\n•\n•\n\nEnergy Efficient and Green Features\n\nRenewable Energy Component: Leased Solar Panels\n\n▪\n▪ Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score)\n\nAccessory Dwelling Unit on below grade level\nPrior Sale and Transfer History: Comp 2 was a deed transfer\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n456 SOMETHING RD, SOMEWHERE, VA 12345\n"} diff --git a/chunks/json/7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20.json b/chunks/json/7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20.json new file mode 100644 index 0000000000000000000000000000000000000000..ed5ec175ca56c71b7498f395e9fc7d1a04528608 --- /dev/null +++ b/chunks/json/7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20.json @@ -0,0 +1 @@ +{"chunk":{"char_end":184487,"char_start":182870,"chunk_id":"chk_2a1e211e5463f9fb","chunk_index":102,"chunk_sha256":"7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Multiple\n\nINTGEGRATED_DISCLOSRE_SUBSECTION_PAYMENT\n\nHolds data points with subsection payment line items.\n\nUCD v2.0 supports all “Closing Costs Details” (CD page 2) “gray bar” labels and totals and subtotal labels. A helpful analogy\nfor the gray bar labels and labels is that they mimic key-value pairs—IntegratedDisclosureSectionType and Integrated\nDisclosureSectionAmount.\n\nIn Figure 59, the data point “IntegratedDisclosureSubsectionType” is indented under the “_SummaryType” data point\n\nbecause it is tied to it by containment (in the same INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL container).\n\nFigure 59. Rendering Section Heading Data on the CD Closing Cost Details Tables.\n\nCD Excerpt\n\nUCD v2.0 Spec Excerpt\n\nLoan Costs\n\n7.0\n\nBorrower-Paid\n\nAt Closing\n\nBefore Closing\n\nIntegratedDisclosureSection\nSummaryType\n\nIntegratedDisclosureSection\nTotalAmount\n\n7.1 A. Origination Charges\n\n7.1.1 $5,432.00\n\nOriginationCharges\n\n7.4 B. Services Borrower Did Not Shop\nFor\n\n7.4.1 $279.00\n\nServicesBorrowerDidNotShopFor\n\n7.6 C. Services Borrower Did Shop For\n\n7.6.1 $445.00\n\nServicesBorrowerDidShopFor\n\n7.8 D. TOTAL LOAN COSTS\n\n7.8.1 $6,156.00\n\nTotalLoanCosts\n\n5432.00\n\n279.00\n\n445.00\n\n6156.00\n\n7.9 Loan Costs Subtotals\n\n7.9.2\n\n7.9.2\n\nIntegratedDisclosureSubsectionTy\npe = “LoanCostsSubtotals”\n\nOther Costs\n\n8.0\n\n8.1 E. Taxes and Other Government\nFees\n\n8.1.1 $750.00\n\nTaxesAndOtherGovernmentFees\n\n750.00\n\n8.4 F. Prepaids\n\n8.4.1 $337.00\n\nPrepaids\n\n8.10 G. Initial Escrow Payment at\nClosing\n\n8.10.1 $229.00\n\nInitialEscrowAtClosing\n\n8.16 H. Other\n\n8.16.1 $250.00\n\nOtherCosts\n\n8.18 I. TOTAL OTHER COSTS\n\n8.18.1 $1,566.00\n"} diff --git a/chunks/json/7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24.json b/chunks/json/7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24.json new file mode 100644 index 0000000000000000000000000000000000000000..4a4bbc1b0da045401e4816d6e881ad5bec84c1d7 --- /dev/null +++ b/chunks/json/7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24.json @@ -0,0 +1 @@ +{"chunk":{"char_end":283878,"char_start":282234,"chunk_id":"chk_d07fdc1f43121694","chunk_index":247,"chunk_sha256":"7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24","token_estimate":411,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Vehicle storage can be:\n\n• A driveway or shared driveway\n• An attached or detached carport\n• Part of a dwelling, such as a built in or attached garage\n•\n• A shared parking garage, common carport, or open lot in a condominium, cooperative, condop, or PUD (with or without assigned\n\nIts own outbuilding, such as a detached garage (sometimes also captured as an outbuilding)\n\nspaces)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Vehicle Storage section always displays. Details must be provided about each type and instance of vehicle storage for the property.\n\n• When CarStorageType (UID: 3200.0006, FID: 13.000) = “None”, display “None”; the Vehicle Storage detail table and the Apparent\n\nDefects, Damages, Deficiencies subsection does not display. (Figure 13 - 1)\n\nFigure 13 - 1\n\nPage 215\n\n• When CarStorageType (UID: 3200.0006, FID: 13.001) <> None, display the Vehicle Storage detail table. Each instance of\n\nCarStorageType displays on a separate line of the table. (Figure 13 - 2) Refer to the UAD Specification enumerations tab (column\nlabeled “URAR Display Value”) for the details on display values.\n\no Storage - CarStorageType is displayed.\no Number of Parking Spaces – See UAD Specification for details on how parking is captured and displayed for each car storage\n\ntype. Special display characteristics are listed below.\n\n▪ When CarStorageType = \"Driveway\" OR \"SharedDriveway\" AND TenOrMoreParkingSpacesIndicator (UID: 3200.0011,\n\nFID: 13.002)\n\n−\n−\n\nis “true”, display “10 or More”.\nis “false”, display the ParkingSpacesCount (0 to 9).\n\n▪ When (CarStorageType = \"Carport\" OR \"CommonCarport\" OR \"Garage\" OR \"OpenLot\" OR \"Other\" OR\n"} diff --git a/chunks/json/7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299.json b/chunks/json/7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299.json new file mode 100644 index 0000000000000000000000000000000000000000..e68e11514d7bede46fb312155e715bd089f9504d --- /dev/null +++ b/chunks/json/7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13875,"char_start":12222,"chunk_id":"chk_3ac764c8b0be9bd4","chunk_index":7,"chunk_sha256":"7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.md"]},"text":"The National Mortgage Database program is jointly funded and managed by the Federal Housing Finance Agency and the Bureau of Consumer Financial Protection Bureau. The program is designed to provide a rich source of information about the U.S. mortgage market.\n\n[View Program](/programs/nmdb)\n\n- ## Natural Disaster Risk\n\nThe purpose of Federal Housing Finance Agency’s (FHFA) Natural Disaster Risk Committee is to ensure the Agency makes strategic and tactically sound decisions concerning the impacts of and response to the risks posed by climate change in a coordinated, collaborative, and informed manner in furtherance of FHFA’s mission. The goal of the Climate Risk Committee is to better understand the impact of climate change on the housing and mortgage markets, including the disparate impacts on disadvantaged communities, and facilitate the sharing of climate-related financial risk data and information.\n\n[View Program](/programs/natural-disaster-risk)\n\n- ## Neighborhood Stabilization Initiative (NSI)\n\nThe Neighborhood Stabilization Initiative (NSI) was designed to stabilize neighborhoods hardest hit by the housing downturn. It was jointly developed by the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac and includes strategies for disposing of the inventory of real estate owned (REO) properties held by Fannie Mae and Freddie Mac. Some particular markets have large concentrations of distressed and low-value REO properties as well as large volumes of loans that had been delinquent for more than one to two years that are likely to become REO.\n\n[View Program](/programs/neighborhood-stabilization-initiative)\n"} diff --git a/chunks/json/7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d.json b/chunks/json/7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d.json new file mode 100644 index 0000000000000000000000000000000000000000..51ad2a9b886319603fe590fad725b7763b6a617f --- /dev/null +++ b/chunks/json/7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1766,"char_start":0,"chunk_id":"chk_2fd8121f0bc5ec58","chunk_index":0,"chunk_sha256":"7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_396b20365a811a69","text_sha256":"7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d","token_estimate":442,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-2.pdf"]},"text":"Loan Servicing Data Utility (LSDU) 2.2 Release Notes\n\nJune 12, 2019\n\nEffective June 12, 2019, the Loan Servicing Data Utility (LSDU) 2.2 release will be implemented\nto support new functions. LSDU is a suite of self-service tools providing servicers with accurate,\nnear real-time, loan-level data and data exceptions, allowing for continuous reconciliation of\nFannie Mae loans and cash positions, and offering operational efficiencies. The changes in this\nrelease include:\n\n• Enabling users to view and download Rate and Payment history in Loan Data details\n• Enabling users to drill down on the Delinquency Modification record and the Delinquency\n\nModification Cancellation record in the Transaction History feature\n\n• Enabling users to download Principal and Interest (P&I) Loan Activity Report (LAR) details\n\nfor prior periods in the Cash Position Search Results screen\n\n• Enabling users to download Cash Received details in the Cash Position Search Results\n\nscreen\nIncorporating Ask Poli™ in the application user interface\n\n•\n• Updating the look and feel of the user interface\n\nEnabling Users To View And Download Rate And Payment History In Loan Data Details\n\nFollowing implementation of the release, users will be able to view current and historical rate\nand payment information in a new Rate and Payment History section in the Loan Data details in\norder to see the rates, amounts, and dates in one place.\n\nEnabling Users To Drill Down On The Delinquency Modification Record And The\nDelinquency Modification Cancellation Record In The Transaction Hist ory Feature\n\nWith this release, users will be able to drill down for more details on the Delinquency\nModification record and the Delinquency Modification Cancellation record in the Transaction\nHistory feature.\n"} diff --git a/chunks/json/7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9.json b/chunks/json/7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9.json new file mode 100644 index 0000000000000000000000000000000000000000..ecbe9577227789cde2cb3a3f7525b2666f2d79b8 --- /dev/null +++ b/chunks/json/7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20979,"char_start":19232,"chunk_id":"chk_ca18253e95d0e709","chunk_index":11,"chunk_sha256":"7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9","token_estimate":436,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"**Flipping** – Flipping schemes involve obtaining a loan to purchase a property, having the property appraised soon afterward at an inflated value, then reselling the property and pocketing the proceeds from the inflated resale price.\n\n**Flopping**– Flopping schemes involve purchases of distressed properties at below market prices, for example, through short sales. Fraudsters may collude to stage the home to appear in poor condition or may provide false appraisals in support of the low sale price. The property is then resold at a higher price with a new appraisal.\n\n**Occupancy**– Occupancy fraud involves falsely stating the borrower’s intent to live in a property to obtain more favorable loan terms than a second or investment home. Occupancy fraud is also a common element of schemes in which the straw buyer has no true intent to occupy the underlying property.\n\n#### Multifamily Property Fraud (fraud committed by multifamily borrowers against a lender)\n\n**Multifamily Property Fraud** – Multifamily owners provide false information to financial institutions overstating the income of a multifamily property to induce financial institutions to issue loans for greater values than the financial institutions would have authorized had they been provided with truthful information. Owners of distressed multifamily real estate may commit fraud by manipulating the property’s appraised value using tools such as bogus leases to exaggerate the building’s profitability. By the time the resulting commercial loans are in default, the lender is often left with a dilapidated or difficult-to-rent property. Many of the methods of committing mortgage fraud single-family real estate transactions are also present in multifamily loan fraud.\n"} diff --git a/chunks/json/7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8.json b/chunks/json/7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8.json new file mode 100644 index 0000000000000000000000000000000000000000..eace75636681e253e6efef998dc83c3dc1a3dd64 --- /dev/null +++ b/chunks/json/7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4946,"char_start":3338,"chunk_id":"chk_3f3ee11472119372","chunk_index":2,"chunk_sha256":"7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_46b708b5eb80d6e1","text_sha256":"7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2017.pdf"]},"text":"Unit3--Number of Bedrooms\n98=no non-owner-occupied dwelling units\n\nUnit4--Number of Bedrooms\n98=no non-owner-occupied dwelling units\n\nUnit1--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit2--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit3--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nPage 2 of 5\n\nColumn\n\n45 Aff4\n\n46 Rent1\n\n47 Rent2\n\n48 Rent3\n\n49 Rent4\n\n50 RentUt1\n\n51 RentUt2\n\n52 RentUt3\n\n53 RentUt4\n\n54 Geog\n\n55 Rate\n56 Amount\n57 Front\n58 Back\n59 BoCreditScor\n\n60 CoBoCreditScor\n\n61 PMI\n\n62 Self\n\n63 PropType\n\n64 ArmIndex\n\n65 ArmMarg\n\n66 PrepayP\n\nAMA_PUDB_definitions_2016\n\nDefinition\nUnit4--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit1-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit2-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit3-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit4-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit1--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit2--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit3--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit4--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n"} diff --git a/chunks/json/7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9.json b/chunks/json/7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9.json new file mode 100644 index 0000000000000000000000000000000000000000..225a52614dc93f12bc373ecd1a67b775238f04cb --- /dev/null +++ b/chunks/json/7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":148141,"char_start":146328,"chunk_id":"chk_bbce106281c54dc5","chunk_index":83,"chunk_sha256":"7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9","token_estimate":453,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When a hybrid appraisal report is submitted through the UCDP, the appraisal will be scored by Collateral Underwriter (CU). All\neligible loans with a hybrid appraisal that receive a CU risk score of 2.5 or less are eligible for enforcement relief of certain\nrepresentations and warranties related to the appraisal and value of the subject property (see Selling Guide A2-2-06,\nRepresentations and Warranties on Property Value, for complete requirements and additional information).\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 62 of 166\n\nUAD 3.6 Policy\n\nSB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report\nRequirements (06/04/2025)\n\nIntroduction\n\nThis topic contains information about the following:\n\n• Age of Appraisal and Restricted Appraisal Update Report Requirements\n• Multiple Appraisals of the Subject Property\n• Use of an Appraisal for a Subsequent Transaction\n\nAge of Appraisal and Restricted Appraisal Update Report Requirements\n\nWhen an appraisal is obtained, the effective date of the appraisal must be no more than 12 months from the date of the note and\nmortgage. This policy applies regardless of whether the property was appraised as proposed or existing construction.\n\nWhen the effective date of the original appraisal report is more than four months but less than 12 months from the date of the\nnote and mortgage, the lender must obtain an appraisal update performed by the appraiser that includes inspecting the exterior\nof the property and reviewing current market data to determine whether the property has declined in value since the date of the\noriginal appraisal report. The inspection and result of the appraisal update must be reported on the Restricted Appraisal Update\nReport with an effective date within four months prior to the date of the note and mortgage.\n"} diff --git a/chunks/json/7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8.json b/chunks/json/7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8.json new file mode 100644 index 0000000000000000000000000000000000000000..5d4647231da2979fcb3c2743e56a2c13e5720105 --- /dev/null +++ b/chunks/json/7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1633,"char_start":0,"chunk_id":"chk_75cff4a072a22740","chunk_index":0,"chunk_sha256":"7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_30e2abb2fda31f0c","text_sha256":"7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae3.md"]},"text":"---\ntitle: \"Uniform Appraisal Dataset | Fannie Mae\"\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:46:10.564Z\"\nselector: \".layout.masthead-custom.js-layout-exists.rag-highlight-border\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Uniform_Appraisal_Dataset___Fannie_Mae3\"\n---\n\n## []()Announcements\n\n###\n\nAvailable Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026\n\nThe Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP® ).\n\nSubmission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6.\n\nTo learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative.\n"} diff --git a/chunks/json/7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761.json b/chunks/json/7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761.json new file mode 100644 index 0000000000000000000000000000000000000000..3d16a973090786b2414c6fc494366b9a1c9e0e8d --- /dev/null +++ b/chunks/json/7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10060,"char_start":8413,"chunk_id":"chk_c5867646fb466587","chunk_index":5,"chunk_sha256":"7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5b3e2e0d9256455b","text_sha256":"7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021.pdf"]},"text":"Use this field to pass the TOTAL DEDUCTIONS (Federal, State,\nRetirement/Social Security, and/or Other) from Monthly\nIncome and Deductions Section of the VA Loan Analysis\nWorksheet.\n\nNote: Submit total amount for federal, state, local, and social\nsecurity taxes\n\n20.0002\n\nFHALoanLenderIdentifier\n\nConditionality updated from ( R ) Required to ( C ) Conditional\n\n12.0007\n\nRefinanceImprovementsType\n\nConditionality updated from ( C ) Conditional to ( O ) Optional\n\n© 2021 Fannie Mae 08.20.21\n\n5 of 6\n\nUnique ID\n\nMISMO v3.4 Data Point Name\n\nUpdate(s)\n\n10.0070\n\nLicenseAuthorityLevelType\n\nConditionality updated from ( O ) Optional to ( C ) Conditional\n\nConditionality Statement for FHA and VA (G) updated: IF\nMortgageType = \"FHA\" AND PartyRoleType =\n\"LoanOriginationCompany\"\n\nDU User Interface (UI) – New URL Integration Test Environment\nUse the new URL to launch the DU UI to import and submit loans using the DU MISMO 3.4 file in the Integration environment.\n\nDU User Interface (UI) - New URL\n\nEnvironment\n\nAvailable\n\nAction\n\nhttps://accessdodu.acptfanniemae.com/\n\nIntegration (TEST)\n\nJuly 1, 2021\n\nUpdate your Bookmark and start\nusing the new site\n\nThe current DU UI URL\nhttps://glass.acptfanniemae.com/\nwill be retired in Q4 2021.\n\nRelease Support\nUpdated Aug. 20, 2021: As required by the Integration Agreement, integrated vendors’ systems must be able to support any\nchanges to Fannie Mae Services, including DU, no later than 120 days after the date the related Specifications are made available.\nIf your product or interface is unable to support the release in accordance with this timeline, please notify your Fannie Mae\nrepresentative.\n"} diff --git a/chunks/json/7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e.json b/chunks/json/7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e.json new file mode 100644 index 0000000000000000000000000000000000000000..bab9a0173e7e0f7fc5eb17644363a40a468387bf --- /dev/null +++ b/chunks/json/7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":409626,"char_start":407737,"chunk_id":"chk_4994aaae03e9884c","chunk_index":242,"chunk_sha256":"7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e","token_estimate":472,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"For properties with more than one unit, Interior Quality and Condition ratings display for each unit.\n\nReport\nField ID\n\n15.003\n15.008\n\nInterior Quality and Condition – for each Unit that is not an ADU\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nN/A\n\nDisplays if Units\nExcluding ADUs is\nmore than 1\n\nFree-form\n\nIf applicable, Unit Identifier (10.002) populates from each Unit Interior section.\n\n15.004\n\nInterior Quality Always displays\n\nQ1 to Q6\n\nInterior Quality Rating (10.034) populates from each Unit Interior section if the\nunit is not an ADU.\n\n15.009\n\nInterior\nCondition\n\nAlways displays\n\nC1 to C6\n\nInterior Condition Rating (10.035) populates from each Unit Interior section if\nthe unit is not an ADU.\n\nNote: Reflects the condition as if any required repairs, inspections, or\ncompletions have been satisfactorily completed.\n\nReconciliation of Overall Quality and Condition\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n15.010 Reconciliation of\n\nAlways required\n\nFree-form\n\nAdditional commentary specific to the Overall Quality and Condition section.\n\nReconciliation of Overall Quality and Condition\n\nOverall Quality\nand Condition\n\nAppendix F-1: URAR Reference Guide\n\nPage 174 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n16 Highest and Best Use\n\n16 Highest and Best Use\n\nThe Highest and Best Use section focuses on answering the four tests of highest and best use and identifying if\nthe present or proposed use is the highest and best use. When the agreed upon scope of work for a given\nappraisal assignment specifies adherence to published guidelines by the GSEs or other identified secondary\nmarket participants, refer to that entity’s policies on identification of highest and best use prior to making a\ndetermination to ensure compliance with those guidelines.\n"} diff --git a/chunks/json/7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a.json b/chunks/json/7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a.json new file mode 100644 index 0000000000000000000000000000000000000000..56ef9f0764af181fbf6ff21ebe5b6ec48be1a7de --- /dev/null +++ b/chunks/json/7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56108,"char_start":54239,"chunk_id":"chk_bcd8681bb002cbb3","chunk_index":33,"chunk_sha256":"7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a","token_estimate":468,"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\nAppraiser Additional\nFile Identifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifier\n\n50\n\n50\n\n50\n\n50\n\nString\n\nString\n\nString\n\n7\n\n1\n\n6\n\nSUBJECT\n\nProperty Address\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g.,\n123 Main Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_St\nreetAddress\n\n60\n\nString\n\n8\n\n9\n\n1\n\n1\n\n10\n\n1\n\n7\n\n8\n\n9\n\nSUBJECT\n\nCity\n\nProperty City\n\nThe city in which the subject property\nis located.\n\n/VALUATION_RESPONSE/PROPERTY/@_C\nity\n\n40\n\nString\n\nSUBJECT\n\nState\n\nProperty State\n\nThe state in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/@_St\nate\n\n2\n\nString\n\nSUBJECT\n\nZip Code\n\nProperty Postal Code\n\nThe postal code (zip code in the US)\nof the subject property. Zip code may\nbe either 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_P\nostalCode\n\n10\n\nString\n\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\nAllowable Values:\nFNM1004\nFNM1073\nFNM1075\nFNM2055\n\nNote: the values shown above are Fannie Mae form numbers. The comparable\nforms are:\nFannie Mae 1004/ Freddie Mac 70\nFannie Mae 2055/ Freddie Mac 2055\nFannie Mae 1073/ Freddie Mac 465\nFannie Mae 1075/ Freddie Mac 466\n\nAll addenda must be included in a single embedded file. The embedded file\nmust be in Portable Document Format (.pdf) with Base64 encoding.\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"} diff --git a/chunks/json/7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e.json b/chunks/json/7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e.json new file mode 100644 index 0000000000000000000000000000000000000000..9d47f0477a4f358ad6c9166ef6bc0cf8a1ec9768 --- /dev/null +++ b/chunks/json/7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":234719,"char_start":233207,"chunk_id":"chk_9907bcb99071078e","chunk_index":120,"chunk_sha256":"7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Includes 6.1.2 $4,694.05 in Loan Costs + 6.1.3 $5,018.05 in Other\nCosts – 6.1.4 $0 in Lender Credits. See page 2 for details.\n\n6.2 Cash to Close\n\n6.2.1$14,147.26\n\nIncludes Closing Costs. See Calculating Cash to Close on page 3 for\ndetails.\n\n6. 2. 1 PURCHASE TRANSACTI ON\n\nFigure 73. Cash to Close\n\nThe Cash to Close amount is delivered either in CashFromBorrowerAtClosingAmount or CashTo\nBorrowerAtClosingAmount. If the total for Section K (11.0.1) on the Summaries of Transactions table equals the\ntotal amount for Section L (12.0.1), neither of these data points should be delivered.\n\nTable 91. Cash to Close for a Purchase Transaction – Cash from Borrower\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\n6.2.1\n\nCash to Close ($)\n\n…/CLOSING_INFO\nRMATION_DETAIL\n\nCashFromBorrowe\nrAtClosingAmount\n\n14147.26\n\nROF as $14,147.27\n\n6. 2. 2 NON-SELLER TRANSACTI ON\n\nThe following figure illustrates row 6.2 Cash to Close for a non-seller transaction where cash is due to the\nborrower(s). Notice the different form representation includes checkboxes (6.2.2) to indicate whether 6.2.1\nCash to Close amount is From or To the Borrower .\n\nCosts at Closing\n\n6.0\n\nAppendix E: UCD Implementation Guide\n\nPage 106 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n6.0 Costs at Closing\n\n6.1 Closing Costs\n\n6.1.1$9,712.10\n\nIncludes 6.1.2 $4,694.05 in Loan Costs + 6.1.3 $5,018.05 in Other\nCosts – 6.1.4 $0 in Lender Credits. See page 2 for details.\n\n6.2 Cash to Close\n\n6.2.1$14,147.26\n"} diff --git a/chunks/json/7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1.json b/chunks/json/7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1.json new file mode 100644 index 0000000000000000000000000000000000000000..ea590d91c7a278426d088e9f2768a6b1c74076ae --- /dev/null +++ b/chunks/json/7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3386,"char_start":1673,"chunk_id":"chk_b293ab221970d4f3","chunk_index":1,"chunk_sha256":"7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"14-16 as Seller Data is no longer required or supported.\n\nDecember 11, 2018\n\n1.6\n\n• Removed references in sections 5.6.3 – 5.6.5 and Section 18.2.1 and\n\n18.3.1.\n\n• Edited Section D to accommodate seller data requirements.\n\nJune 06, 2017\n\n1.5\n\nUpdated the following calculations: 9.1.1, 10.8.2, 18.2, 18.3 and 18.6.\n\nMarch 29, 2016\n\nNovember 17, 2015\n\nFebruary 24, 2015\n\nJuly 15, 2014\n\n1.4\n\n1.3\n\n1.2\n\n1.1\n\nCombined Purchase and Refinance forms into one document and\nintegrated End Notes\n\n• Added numbering for 15.8 and 15.8.1\n• End Notes – updated cross references for 9.2.2 and 11.3.1\n\n• Corrected statements in 4.2.2 and 4.3.1\n• Corrected label in 20.1\n• Removed Loan Acceptance statement in 22.1\n\nAdded XPaths to End Notes for form values that have multiple MISMO\nmappings.\n\nMarch 11, 2014\n\n1.0\n\nInitial version\n\nUniform Closing Dataset v2.0\n\nNumbered Closing Disclosures\n\nI.\n\nIntroduction\n\nA. Background\n\nTo support the Uniform Closing Dataset (UCD), Freddie Mac and Fannie Mae (the GSEs) numbered sample Model and Alternate\nClosing Disclosures (CDs) with red “Form Field IDs” superimposed by each field. The Form Field IDs are cross-referenced to the\nUCD v2.0 data points supporting them. The numbered CD Model Form is based on Integrated Mortgage Closing Disclosure\nRegulation1 (TRID) Exhibit H-25(A) Mortgage Loan Transaction Closing Disclosure – Model Form. The numbered CD\nAlternate Form is based on TRID Exhibit H-25(E) Mortgage Loan Transaction Closing Disclosure – Refinance Transaction\nSample.\n\nB. Text Color Legend\n\nBlack: CD headings and field labels based on TRID Exhibits H-25(A) and H-25(E).\nRed: Form field IDs.\nBlue: Completed fields or notes to aid in mapping to the supporting UCD v2.0 data.\n"} diff --git a/chunks/json/7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c.json b/chunks/json/7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c.json new file mode 100644 index 0000000000000000000000000000000000000000..7413ca59a0f5ca6aba2dbc8b455f89f20df46201 --- /dev/null +++ b/chunks/json/7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1724,"char_start":0,"chunk_id":"chk_17fc3feef57995fa","chunk_index":0,"chunk_sha256":"7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d54dbf7e48638b7","text_sha256":"7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Policies___FHFA_g7sbin.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/fhfa-policies\"\ndate_accessed: \"2026-01-27T17:47:56.768Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307.json b/chunks/json/7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307.json new file mode 100644 index 0000000000000000000000000000000000000000..63e0bac6c96f16ce75514ce450952a17f599a664 --- /dev/null +++ b/chunks/json/7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36480,"char_start":34365,"chunk_id":"chk_ec34c1745281d1db","chunk_index":26,"chunk_sha256":"7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307","token_estimate":529,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Figure. 4 Establishing a Root element - Dialog Box in Altova XMLSpy ®\n\nAfter indicating the root element, the editor should render an XML page where the Loan Application\nSubmission file can be constructed step by step by adding the data points from the DU Spec. For more\ninformation on creating XML schema-based files, please refer to the W3 XML Tutorial on the\nhttp://www.w3schools.com website.\n\nSchema Validation\nWhen a DU customer submits a Loan Application Submission file to DU, an XML interrogation process\nperforms a series of steps to ensure the file is both well-formed and valid with respect to the MISMO\nschema, the ULAD extension schema and the DU extension schema. The validation is used to determine\ncompliance against MISMO specifications set forth in the MISMO Engineering Guidelines (MEGs), for\nexample, containers must follow the hierarchical order established in the schema, containers must be in\ncapital letters, etc. Please refer to the MISMO Engineering Guidelines for a complete list.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n17\n\nA validation process will take place on a Loan Application Submission file after DU has determined it to\nbe both well-formed XML and schema compliant. The validation process will then determine if the file is\ncompliant to the DU Specifications and business rules. For more details, see the “DU Error Codes”\navailable on the Technology Integration page for DU.\n\nWhat are the schema files that DU requires for a DU Spec loan file submission?\n\nDU requires the MISMO v3.4 Schema and other schema files to support a DU Spec Loan Application\nSubmission file. The MISMO v3.4 Schema is part of a set of files under the MISMO v3.4 Reference\nmodel. The other schema files are extensions to support the DU Spec. These extension files are the\nULAD Schema Extension and the DU Schema V3_4 Extension. The ULAD Schema Extension and the\nDU Schema V3_4 Extension are both instantiated in the DU Wrapper 3.4.0_B324 Schema. The DU\nWrapper Schema also validates that each Extension container is correctly placed in the Loan Application\nSubmission file.\n"} diff --git a/chunks/json/7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9.json b/chunks/json/7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9.json new file mode 100644 index 0000000000000000000000000000000000000000..799fcde3b6e5af88d1f76fb9867d185c5ccf892c --- /dev/null +++ b/chunks/json/7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1755,"char_start":0,"chunk_id":"chk_e752b5047a51c384","chunk_index":0,"chunk_sha256":"7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_48d996c17b5aede9","text_sha256":"7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Education_Materials___FHFA_c9gk27l.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/borrower-education-materials\"\ndate_accessed: \"2026-01-27T17:48:05.334Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596.json b/chunks/json/7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596.json new file mode 100644 index 0000000000000000000000000000000000000000..05eb4531bbd87171411325e629031d279ea6ca87 --- /dev/null +++ b/chunks/json/7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596.json @@ -0,0 +1 @@ +{"chunk":{"char_end":498793,"char_start":497180,"chunk_id":"chk_e7ef0c71fcb12ff5","chunk_index":293,"chunk_sha256":"7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 2-27, 2-28\n(values of Project Analysis Special\nCharacteristics Indicator) should be\nindicated.\n\nOne and only one of fields 2-27, 2-28\n(values of Project Analysis Special\nCharacteristics Indicator) should be\nindicated.\n\nIf field 2-27 (Project Analysis Special\nCharacteristics Indicator = 'Y') is\nindicated this field should be\npopulated.\n\nEither field 2-33 (Unit Charge No\nUtilities Included In Assessment\nIndicator = 'Y') or at least one of fields\n2-34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-\n40, 2-41 should be indicated.\n\nEither field 2-33 or, at least one of\nfields 2-34, 2-35, 2-36, 2-37, 2-38, 2-\n39, 2-40, 2-41 (Unit Charge Utility\nIncluded In Assessment Indicator = 'Y'\nand values of Unit Charge Utility Type)\nshould be indicated.\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\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\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\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 98 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n237\n\n2\n\n35\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nAir Conditioning\n\n238\n\n2\n\n36\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nElectricity\n\n239\n\n2\n\n37\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nGas\n\n240\n\n2\n\n38\n\nUNIT\nDESCRIPTION\n"} diff --git a/chunks/json/7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce.json b/chunks/json/7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce.json new file mode 100644 index 0000000000000000000000000000000000000000..83f83aec3331f2d99a4d65bab1964920f8a4d090 --- /dev/null +++ b/chunks/json/7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27273,"char_start":25585,"chunk_id":"chk_257adbc77f39e60b","chunk_index":12,"chunk_sha256":"7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce","token_estimate":423,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"2. Single-Family Data Field 29: Term of\nMortgage at Origination\n\nData field 29, released in National File\n\nC, designates the term of the high-cost\nsecuritized loan at origination, which\nwill be released using the following\nvalues: 1 = 30-year; 2 = 15-year; 3 =\nOther terms; 9 = Missing.\n\n3. Single-Family Data Field 30:\nAmortization Term\n\nData field 30, released in National File\n\nC, designates the amortization term of\nthe high-cost securitized loan, which\nwill be released using the following\nvalues: 1 = 30-year; 2 = 15-year; 3 =\nOther terms including non-amortizing\nloans; 9 = Missing.\n\n4. Single-Family Data Field 62: Interest\nRate at Origination\n\nNew data field 62, released in\n\nNational File C, designates the contract\ninterest rate of the high-cost securitized\nloan at origination, which will be\nreleased as ranges using the following\nvalues: 1 = less than 4.00%; 2 = 4.00–\n<4.50%; 3 = 4.50–<5.00%; 4 = 5.00–\n<5.50%; 5 = 5.50–<6.00%; 6 = 6.00–\n<6.50%; 7 = 6.50–<7.00%; 8 = 7.00–\n<7.50%; 9 = 7.50–< 8.00%; 10 = 8.00%\nor greater; 99 = Missing. The Enterprises\ncollect and report the note’s original\ninterest rate.\n\nD. Creditworthiness of the Borrower—\nSingle-Family Data Field 60: Credit\nScore\n\nSection 1324(b)(6)(D), in conjunction\n\nwith section 1326(d)(2), references\n‘‘creditworthiness of the borrower’’ as a\nloan characteristic required to be\npublicly disclosed with respect to the\nhigh-cost securitized loan. FHFA\nbelieves that borrower credit score best\ncaptures the concept of creditworthiness\nof the borrower, as the common\nregulatory and industry definitions of\ncreditworthiness gravitate towards the\nuse of proprietary credit scores\ncomputed by credit reporting\ncompanies.\n"} diff --git a/chunks/json/7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285.json b/chunks/json/7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285.json new file mode 100644 index 0000000000000000000000000000000000000000..1f2e4aa135f203d130b103e464d3db1c2836a104 --- /dev/null +++ b/chunks/json/7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285.json @@ -0,0 +1 @@ +{"chunk":{"char_end":689753,"char_start":688127,"chunk_id":"chk_ae3b3837900f578b","chunk_index":408,"chunk_sha256":"7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 6-\n44 (Appraisal Inspection Property Type\n= ‘Comparable’ and Appraisal\nInspection Typ= 'ExteriorOnly') is\nindicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 126 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n546\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nAppraisalReportCo\nntentIsPrimaryFor\nmIndicator\n\nIndicates whether appraisal form is the\nprimary form in the report.\n\n/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentIsPrima\nryFormIndicator\n\n1\n\nBoolean\n\nUAD Requirement - Refer to \"Desktop & Hybrid Reference Tab\" worksheet in\nAppendix B\n\nThe “AppraisalReportContentIsPrimaryFormIndicator” is a “Y”/ “N” indicator which\ncan be repeated for multiple instances but should only have one value of “Y” in the\nXML. When “Y” is indicated, the forms vendor must allow for enumerated values for\nthe data point “AppraisalReportContentName”.\n\nT\n\nR\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 127 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n"} diff --git a/chunks/json/7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198.json b/chunks/json/7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198.json new file mode 100644 index 0000000000000000000000000000000000000000..d0752a1af083b0c7f04d0bae169019bdc2f411cf --- /dev/null +++ b/chunks/json/7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3281,"char_start":1670,"chunk_id":"chk_984cf9b2939ccc11","chunk_index":1,"chunk_sha256":"7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f92a0f8838f55a9e","text_sha256":"7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-procedures.pdf"]},"text":"Borrowers\n\nCurrent Address\n\nSSN (or ITIN)\n\nCredit Scores\n\nJohn Homeowner Mary\nHomeowner\n\nAndy America Amy America\n\nPatrick Purchaser Lorraine\nPurchaser\n\nSuzi Builder\n\nAlice Firstimer\n\nPenny Public\n\nDad Firstimer Mom Firstimer\n\n175 13th Street\nWashington, DC 20013\n\n4321 Cul de Sac Street\nSomeplace, MA 02723\n\n1234 Main Street\nBaltimore, MD 20600\n\n5404 Pawnee Trail\nLouisville, KY 40207\n\n9991 Warford Street\nDawson, IA 50066\n\n2935 Augusta #3\nSan Luis Obispo, CA 93401\n\n888 Willis Avenue\nDawson, IA 50060\n\n999-40-5000\n500-22-2000\n\n999-60-3333\n500-60-2222\n\n999-12-1234\n999-56-5678\n\n999-60-6666\n\n760, 779, 785\n783, 768, 771\n\n724, 740, 742\n750, 739, 728\n\n670, 661, 675\n678, 670, 663\n\n630, 625, 619\n\n991-91-9991\n\n715, 710, 703\n\n999-60-3000\n\n670, 640, 650\n\n999-00-8881\n999-00-8882\n\n660, 685, 672\n674, 680, 695\n\n© 2017 Fannie Mae. Trademarks of Fannie Mae.\n\nNovember 20, 201711.13.2017\n\n1 of 3\n\nBorrowers\n\nCurrent Address\n\nSSN (or ITIN)\n\nCredit Scores\n\nRoss Blemished\n\nWanna House Needa House\n\nElizabeth Spender\n\nKen Customer\n\nHomer Loanseeker\n\nMort Gage Ann Gage\n\nSonny Graves\n\nLoco Motion\n\nPitt Rock, Jr.\n\nJess T. Sea Ann T. Sea\n\nRon Tintin\n\nLucky Knowscore\n\nIma One\n\n309 North Elm Street\nOrrville, OH 44667\n\n98 Lincoln Street\nJefferson, TX 65433\n\n7054 Canaan Center Road\nWooster, OH 44691\n\n10655 Birch Street\nBurbank, CA 91502\n\n4420 Douglas Avenue East\nHigley, AZ 85236\n\n123 Rocky Road\nPasadena, CA 91115\n\n00357 Monument Road\nSan Jose, CA 95130\n\n00345 Yankee Point Road\nSan Jose, CA 95129\n\n1456 Peach Tree Lane\nAtlanta, GA 30303\n\n7344 Deepinthe Heart Ave.\nEl Paso, TX 80935\n\n6 Circle Golf Course\nPinehurst, NC 28374\n"} diff --git a/chunks/json/7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f.json b/chunks/json/7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f.json new file mode 100644 index 0000000000000000000000000000000000000000..f132baaf414c83f5fce24932680b540baa28a6a5 --- /dev/null +++ b/chunks/json/7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16653,"char_start":14821,"chunk_id":"chk_f7b4d5f101eac155","chunk_index":8,"chunk_sha256":"7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f","token_estimate":458,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"![Figure 1: Distribution of 2022 Acquisitions by the Enterprises and FHLBanks by Hurricane Risk](/sites/default/files/2024-09/Figure-1-Distribution-of-2022-Acquisitions-by-the-Enterprises-and-FHLBanks-by-Hurricane-Risk.png)\n\n*Figure 1: Distribution of 2022 Acquisitions by the Enterprises and FHLBanks by Hurricane Risk*\n\n## **Hurricane Beryl**\n\nHurricane Beryl was the first hurricane to make landfall in the United States in 2024. Hurricane Beryl landed near Matagorda, Texas at 4:00am on July 8 as a Category 1 hurricane.[[9]](#_ftn9) On July 9, a presidential disaster declaration was issued for Texas. All areas in the state are eligible for assistance under FEMA’s hazard mitigation grant program. Figure 2 shows counties eligible for individual or public assistance. There are 17 counties eligible for individual assistance (listed in red): Brazoria, Chambers, Fort Bend, Galveston, Harris, Jackson, Jasper, Jefferson, Liberty, Matagorda, Montgomery, Nacogdoches, Orange, Polk, San Jacinto, Walker, and Wharton counties.\n\n![Figure 2: Texas Disaster Declaration for Hurricane Beryl](/sites/default/files/2024-09/Figure-2-Texas-Disaster-Declaration-for-Hurricane-Beryl.png)\n\n*Figure 2: Texas Disaster Declaration for Hurricane Beryl*\n\nSource: [https://gis.fema.gov/maps/dec_4798.pdf](https://gis.fema.gov/maps/dec_4798.pdf)\n\n![Figure 3: Distribution of Hurricane Risk for Acquired UPB in Texas](/sites/default/files/2024-09/Figure-3-Distribution-of-Hurricane-Risk-for-Acquired-UPB-in-Texas.png)\n\nFigure 3: Distribution of Hurricane Risk for Acquired UPB in Texas\n\n![Figure 4: Distribution of Hurricane Risk for Acquired UPB in Texas in Counties Eligible for Individual Assistance](/sites/default/files/2024-09/Figure-4-Distribution-of-Hurricane-Risk-for-Acquired-UPB-in-Texas-in-Counties-Eligible-for-Individual-Assistance.png)\n"} diff --git a/chunks/json/7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac.json b/chunks/json/7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac.json new file mode 100644 index 0000000000000000000000000000000000000000..f6dd26c58407ea90695a126f7492939d62117b6b --- /dev/null +++ b/chunks/json/7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10292,"char_start":8997,"chunk_id":"chk_d40d282b46732d60","chunk_index":5,"chunk_sha256":"7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b9cb6f1f19624831","text_sha256":"7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac","token_estimate":439,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Non_Performing__NPL__and_Re_Performing_Loan__RPL___rg2ark.md"]},"text":"​Links to the most recent NPL and RPL Sales Requirements Fact Sheet and NPL Sales Reports can be found at:\n\n- [Fact Sheet​](/sites/default/files/2024-01/NPL-RPL-Fact-Sheet-June2023.pdf) (6/22/2023)- [Fact Sheet​](/sites/default/files/2024-01/NPL-RPL_FACT-SHEET-May2021.pdf) (5/27/2021)\n- [Reports](/reports/enterprise-non-performing-loan-sales-report)\n​Read more about [Fannie Mae​](https://capitalmarkets.fanniemae.com/whole-loan-sales) and [Freddie Mac​​](http://www.freddiemac.com/seasonedloanofferings/) NPL and RPL sales. ​\n\n*Date last updated: June 18, 2024*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102.json b/chunks/json/7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102.json new file mode 100644 index 0000000000000000000000000000000000000000..f89e9b18385b2ba68c6fc1996c00ae479cbb7132 --- /dev/null +++ b/chunks/json/7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8066,"char_start":6468,"chunk_id":"chk_ae8ca83393c3c925","chunk_index":4,"chunk_sha256":"7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"Other\n\nEntire Exterior\n\nNone\n\n\\\\Images\\MH1_ExteriorTrimDDD.png\n\nimage/png\n\nNone\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nfalse\n\ntrue\n\nC1\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\nBoard Fencing around entire property to the barn.\n\ntrue\n\ntrue\n\nAgricultural\n\nTraditionalAppraisal\n\nfalse\n\nMineralRights\n\nfalse\n\nfalse\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nGravel\n\nRural\n\ntrue\n\nPublicStreet\n\ntrue\n\nfalse\n\nfalse\n\nTopography\n\nNeutral\n\nFlat\n\nThe water frontage has a beneficial value impact.\n\nLake Virginia\n\nOnsite\n\nLake\n\ntrue\n\nShallowWater\n\nPermitted\n\nDock\n\nPier\n\nBodyOfWater\n\nBeneficial\n\n40\n\nAlthough the subject dwelling is outside the fall distance, the land is still unable to be developed and the power lines are noisy.\n\nOnsite\n\nOverheadElectricPowerTransmissionLine\n\nAdverse\n\n5\n\n2\n\nfalse\n\nPublic water is available at the street. Local water company charges $2,500 to install the meter. Public water is typical to market.\n\nNonPublic\n\nWater\n\nAdverse\n\nfalse\n\nWell\n\nSeptic is typical to the market.\n\nNonPublic\n\nSanitarySewer\n\nNeutral\n\nSeptic\n\nfalse\n\nPropane is typical to the market.\n\nNonPublic\n\nGas\n\nNeutral\n\nfalse\n\nPublic\n\nElectricity\n\nBeneficial\n\ntrue\n\nFull\n\nLake\n\nNeutral\n\nfalse\n\nPartial\n\nWoods\n\nAdverse\n\nfalse\n\nSeasonal\n\nOther\n\nHigh Voltage Power Lines\n\nNo Zoning typical to County\n\nNoZoning\n\n98761 State Rd 3\n\nAnywhere City\n\n20141\n\nVA\n\nDriveway\n\nGravel\n\n5\n\nfalse\n\n35000\n\nPropertyOwnershipTransferTerms\n\n0\n\nSalesConcessions\n\n5000\n\nContractDate\n\n0\n\nSaleDate\n\n30000\n\nSiteSize\n\n0\n\nHazardZone\n\n-5000\n\nSiteInfluence\n\n0\n\nApparentEnvironmentalCondition\n\n-3000\n\nView\n\n30000\n\nWaterFrontage\n\n10000\n"} diff --git a/chunks/json/7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f.json b/chunks/json/7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f.json new file mode 100644 index 0000000000000000000000000000000000000000..728e48069d29fe14540686113a4004fffb78594f --- /dev/null +++ b/chunks/json/7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":176338,"char_start":174738,"chunk_id":"chk_57bbc206c83fd2f8","chunk_index":84,"chunk_sha256":"7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4. 5. 2 DOES THE LOAN HAVE T HESE FEATURES?\n\nIf the loan does not have a balloon payment it is reflected on the form as illustrated in the figure below, based\non the data point shown in the following excerpt.\n\na. NO—LOAN DOES NOT HAVE A BALLOON PAYMENT\n\nIf the loan does not have a balloon payment feature, the “NO” answer is reflected on the form as illustrated in\nthe following figure, and the supporting data point is shown in the table below.\n\n4.0 Loan Terms\n\n4.4 Prepayment Penalty\n\n4.5 Balloon Payment\n\n4.4.2 NO\n\n4.4.3\n\n4.5.2 NO\n\n4.4.3\n\nDoes the loan have these features? If yes\n\nAppendix E: UCD Implementation Guide\n\nPage 77 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 50. Loan Terms Table - Loan Does Not Have Balloon Payment Feature\n\nTable 68. Loan Does Not Have Balloon Payment\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.5.2\n\nDoes the loan have\nthese features?\n\n…/LOAN_DETAIL\n\nBalloonIndicator\n\nfalse\n\n▪ Represented as\n“NO” on form\n\n▪ Formatting\nrequired for\nform\n\nFigure 51. Loan Does Not Have Balloon Payment\n\nb. YES—LOAN HAS A BALLOON PAYMENT\n\nIf the loan has one or more balloon payments, the dollar amount and year of the highest payment must be\ndisclosed as illustrated in Figure 52, using the data points shown in Table 69.\n\n4.0 Loan Terms\n\n4.4 Prepayment Penalty\n\n4.4.2 NO\n\n4.4.3 • Description if YES\n\nDoes the loan have these features?\n\n4.5 Balloon Payment\n\n4.5.2 YES\n\n4.5.3 • You will have to pay $150,000 at the end of year 5\n\nFigure 52. Loan Has Balloon Payment\n\nTable 69. Loan Has Balloon Payment\n"} diff --git a/chunks/json/7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144.json b/chunks/json/7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144.json new file mode 100644 index 0000000000000000000000000000000000000000..87ec4622cb0f3db34f098e9a5eb17fa163366fd7 --- /dev/null +++ b/chunks/json/7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144.json @@ -0,0 +1 @@ +{"chunk":{"char_end":968384,"char_start":966699,"chunk_id":"chk_dab55e869e6b24e8","chunk_index":577,"chunk_sha256":"7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality\n\n466\n\n467\n\n468\n\n469\n\n470\n\n471\n\n472\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n123\n\nINCOME\n\nSummary of Income Approach\n(including support for market rent and\nGRM)\n\nIncome Analysis\nComment\n\nA free-form text field used to describe or\ncomment on the use of the Income\nApproach in valuing a property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/\n@_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n124\n\nRECONCILIATION\n\nIndicated Value by: Sales Comparison\nApproach $\n\nValue Indicated By\nSales Comparison\nApproach Amount\n\nThe dollar value of the subject property\nindicated by the Sales Comparison\napproach.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/@ValueIndicatedBySalesComparisonApproachAmount\n\n125\n\nRECONCILIATION Income Approach (if developed) $\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Income Approach method\nof property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/\n@ValueIndicatedByIncomeApproachAmount\n\n12\n\n12\n\nMoney\n\nMoney\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nThis data is referenced more than once on the form, and must be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only\nThis data is referenced more than once on the form, and should be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only.\n\n126\n\nRECONCILIATION Comment Area\n\nValuation\nReconciliation\nSummary Comment\n\nA free-form text field used to describe or\nreconcile the different property valuation\nmethods used to arrive at the final\nproperty valuation.\n"} diff --git a/chunks/json/7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122.json b/chunks/json/7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122.json new file mode 100644 index 0000000000000000000000000000000000000000..4a85d91ad0e4ab2312b5d3a90e9b48e15f47a1fb --- /dev/null +++ b/chunks/json/7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22189,"char_start":20462,"chunk_id":"chk_5ed40b1105f24cbf","chunk_index":12,"chunk_sha256":"7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122","token_estimate":432,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"Lending\nFile Validation Rule updates\n\n•\n\no New file validation rule, WN3790, to restrict the submission of Wire Instruction Reference Identifier (Wire\n\nNickname). Reminder, Wire Nickname will be available in the Loan Delivery Test Environment (LDTE) on January\n20, 2025 and in Loan Delivery production on March 24, 2025.\n\nSee the Loan Delivery Business Rules for a listing of edits, users can filter on the Sub-category (Column J) and search ULDD\nPh. 5. These edits will be available in the Loan Delivery Test Environment to accommodate lender testing.\n\nFor more information, see the ULDD Phase 5 Implementation Considerations.\n\nOct 21, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• All ULDD Phase 5 edits will be warning, see above for details\n•\n•\n•\n\n1 new informational edit for LTV/CLTV validation\n2 new warning edits to validate modified loan data\n10 edits moving from warning to fatal for Loan Limits, Green MBS, and Buydown\n\nNov 2024\n\nGreen MBS\n\nPer the Selling Guide Announcement (SEL-2024-06), Fannie Mae is establishing loan delivery requirements for lender-\nformed Green MBS and a Fannie Mae Green Majors® pool. The delivery of a Green MBS requires that all loans be delivered\nwith SFC 784 or 881 to indicate the properties backing the loans have received one of the approved certifications. See our\n\n© 2023 Fannie Mae Page 9 of 10\n\ncomplete list of Special Feature Codes for details. In addition, the MBS must also be delivered with future feature code (FFC)\n208 to identify the pool as being a Green MBS. See the LD Edit changes in the Loan Delivery Business Rules for a listing of\neffective edit updates.\n"} diff --git a/chunks/json/7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3.json b/chunks/json/7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3.json new file mode 100644 index 0000000000000000000000000000000000000000..9afbdaf108ff1a837d951b96c09bb5319221f015 --- /dev/null +++ b/chunks/json/7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":524954,"char_start":523293,"chunk_id":"chk_83830496d975f169","chunk_index":309,"chunk_sha256":"7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 2-72 (Car Storage Exists\nIndicator = 'N') is indicated than none\nof fields 2-73, 2-74, 2-75 (Car Storage\nLocation Exists Indicator = 'Y' and\nvalues of Car Storage Location Type),\nfields 2-77, 2-78 (values of Parking\nSpace Assignment Type), field 2-76\n(Parking Spaces Count), field 2-79\n(Parking Spaces Identifier) should be\nindicated. If field 2-72 is not indicated\nthen at least one of fields 2-73, 2-74, 2-\n75 (Car Storage Location Exists\nIndicator = 'Y' and values of Car\nStorage Location Type) should be\n\nThis field should be populated if either\nof fields 2-77, 2-78 (values of Parking\nSpace Assignment Type) is indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 102 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n285\n\n2\n\n83\n\nUNIT\nDESCRIPTION\n\nSquare Feet of Gross Living\nArea Above Grade\n\nGross Living Area\nSquare Feet Count\n\nThe total area of all inhabitable rooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@GrossLivingAreaSqu\nareFeetCount\n\n286\n\n2\n\n84\n\nUNIT\nDESCRIPTION\n\nAre the heating and cooling for\nthe individual units separately\nmetered?\nYes\n\nStructure Heating\nCooling Metered\nSeparately\nIndicator\n\nIndicates that individual units are capable\nof measuring and billing their heating and\ncooling utility use separately.\n"} diff --git a/chunks/json/7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f.json b/chunks/json/7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f.json new file mode 100644 index 0000000000000000000000000000000000000000..8e6e7972bea25f6dd63f2ac6c64ce08389ca52f7 --- /dev/null +++ b/chunks/json/7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4815,"char_start":3207,"chunk_id":"chk_506ab392cfb2af13","chunk_index":2,"chunk_sha256":"7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Level\nID\nState\nExpires\n\nCertified Residential\n03-XXXXXX\nMD\n12/31/2025\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n03/03/2024\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n213 Tree Stand Rd\nAnytown, MD 09992\nHill\nHilltop Hills\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nLot 3 Block 8 Section 2 of Hilltop Hills\n\nSite\n\nTotal Site Size\n\n15,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nKLWMDFMW\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n15,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR-3\n 3 Residential Building Lots\nper Acre\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 3 of 19\nPage 3 of 19\n\nSite (continued)\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\n\nView and Impact to Value/Marketability\n"} diff --git a/chunks/json/7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7.json b/chunks/json/7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7.json new file mode 100644 index 0000000000000000000000000000000000000000..80300a54ca40a0eacffc48f1d2e92babbb26825e --- /dev/null +++ b/chunks/json/7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":228396,"char_start":227091,"chunk_id":"chk_be992d13dbf16091","chunk_index":116,"chunk_sha256":"7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"…/ESTIMATED_PR\nOPERTY_COST_CO\nMPONENT\n\nProjectedPaymentEst\nimatedTaxesInsuranc\neAssessmentCompon\nentType\n\nGroundRent\n\nROF as “ Other: Ground\nRent”\n\nProjectedPaymentEs\ncrowedType\n\nEscrowed\n\nRepresented as “SOME”\non form\n\nInstance of ESTIMATED_PROPERTY_COST_COMPONENT\n\n5.6.5\n\n…  Other:\n_____\n\n…/ESTIMATED_PR\nOPERTY_COST_CO\nMPONENT\n\n5.6.5\n\nIn Escrow?\n\nProjectedPaymentEst\nimatedTaxesInsuranc\neAssessmentCompon\nentType\n\nProjectedPaymentEs\ncrowedType\n\nHomeownersAss\nociationDues\n\nRepresented as “and\nadditional costs” next to\nOther\n\nNotEscrowed\n\nRepresented as “SOME”\non form\n\n1. FOR MORE I NFORMATI ON\n\n5.1 Reg §1026.38(c), pp. 80121, 80351, 80004-5; Cross reference to §1026.37(c), pp. 80114, 80337, 79932-4.\n\n5.2 Reg §1026.38(c)(1), pp. 80121, 80351; Cross reference to §1026.37(c)(1) pp. 80115, 79932-42; (c)(3)(i) and\n\n(ii) pp. 80115, 80337.\n\n5.3 Reg §1026.38(c)(1)(i), pp. 80121, 80351, 80004-5; Cross reference to §1026.37(c)(1) pp. 79935, 80334,\n\n80337-80338; (c)(2), p. 80115.\n\n5.4 Reg §1026.38(c)(1)(i) and (ii), p. 80121; §1026.37(c)(2)(iii) pp. 80115, 80340.\n\n5.5 Reg §1026.38(c)(1), pp. 80121, 80351; Cross reference to §1026.37(c)(1), (c)(2), (c)(3), pp. 80115, 80337,\n\n79932-42.\n\n5.6 Reg §1026.38(c), p. 80004; Cross reference to §1026.37(c)(4) p. 80115; (c)(4)(ii) p. 79946-49; (c)(4)(iv), p.\n"} diff --git a/chunks/json/7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27.json b/chunks/json/7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27.json new file mode 100644 index 0000000000000000000000000000000000000000..9f3ebf3b4246e689bdf6e3dc13c09656d1479206 --- /dev/null +++ b/chunks/json/7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14044,"char_start":11013,"chunk_id":"chk_b75ad1d807f00959","chunk_index":9,"chunk_sha256":"7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27","token_estimate":758,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Requirement\nThe following table of MISMO v3.3 FeeType enumerations related to recording fees, transfer taxes and\nother government fees will be accepted in Unique ID 8.196-Fee Type when accompanied by UID 8.004-\nIntegrated Disclosure Section Type = “Taxes And Government Fees.” The GSEs’ collection system will\nbe modified to accept these new values as part of the implementation of Phase 3 UCD Critical Edits.\n\nUCD Supported\nEnumerations\nFiling Fee\n\nMunicipal Lien\nCertificate Fee\nPower Of Attorney\nRecording Fee\n\nRecording Fee\nFor Assignment\n\nRecording Fee\nFor Municipal\nLien Certificate\n\nRecording Fee\nFor Release\n\nRecording Fee\nFor Subordination\n\nDocumentary\nStamp Fee\nTax Stamp For\nCity Deed\nTax Stamp For\nCity Mortgage\nTax Stamp For\nCounty Deed\nTax Stamp For\nCounty Mortgage\n\nNew Fee Types Allowed for Taxes and Other Government Fees\nUnique ID 8.196 - FeeType\n\nMISMO Definitions\n\nFee paid when submitting a document to the clerk of a court for the court's immediate consideration\nand for storage in the court's files.\nFee charged by a municipality to release a lien or injunction after payment of fines for property non-\ncompliance have been completed.\nFee assessed by a government authority to record and index a Power of Attorney as required under\nState or local law. Recording fees are assessed based on the type of document to be recorded or\nits physical characteristics, such as the number of pages. Unlike transfer taxes, recording fees are\nnot based on the sales price of the property or loan amount.\nFee assessed by a government authority to record and index an assignment as required under\nState or local law. Recording fees are assessed based on the type of document to be recorded or\nits physical characteristics, such as the number of pages. Unlike transfer taxes, recording fees are\nnot based on the sales price of the property or loan amount.\nFee assessed by a government authority to record and index a municipal lien certificate as required\nunder State or local law. Recording fees are assessed based on the type of document to be\nrecorded or its physical characteristics, such as the number of pages. Unlike transfer taxes,\nrecording fees are not based on the sales price of the property or loan amount.\nFee assessed by a government authority to record and index a release as required under State or\nlocal law. Recording fees are assessed based on the type of document to be recorded or its\nphysical characteristics, such as the number of pages. Unlike transfer taxes, recording fees are not\nbased on the sales price of the property or loan amount.\nFee assessed by a government authority to record and index Subordination Documents as required\nunder State or local law. Recording fees are assessed based on the type of document to be\nrecorded or its physical characteristics, such as the number of pages. Unlike transfer taxes,\nrecording fees are not based on the sales price of the property or loan amount.\nA fee or tax placed on documents used for the legal transfer of ownership of assets or real property.\n"} diff --git a/chunks/json/7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4.json b/chunks/json/7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4.json new file mode 100644 index 0000000000000000000000000000000000000000..f4edb4e1478b8e58bf40203bae2df98f840a350c --- /dev/null +++ b/chunks/json/7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19485,"char_start":16286,"chunk_id":"chk_402b27ad53adc88f","chunk_index":10,"chunk_sha256":"7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4","token_estimate":987,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Survey_of_Mortgage_Originations__NSMO__Pu_or78e.md"]},"text":"## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/17641\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486.json b/chunks/json/7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486.json new file mode 100644 index 0000000000000000000000000000000000000000..84ac716fb3766cffe91599a734ddc82c8e409fa2 --- /dev/null +++ b/chunks/json/7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8313,"char_start":6564,"chunk_id":"chk_d94bb787ef0b51cc","chunk_index":4,"chunk_sha256":"7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486","date_utc":"2026-01-27T18:30:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e9417770194f6560","text_sha256":"7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486","token_estimate":438,"warnings":["source_path=Appendix-D-2-Restricted Appraisal Update Report Sample Scenario and XML File (1)/Appendix D-2 AU1_AppraisalReport/_.pdf/AU1_AppraisalUpdate_v1.2.pdf"]},"text":"7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nupdate was prepared.\n\n8. I have updated the appraisal by incorporating the original appraisal report by reference.\n\n9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file.\n\n10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable\ncondition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or\nstructural integrity of the property.\n\n11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n"} diff --git a/chunks/json/7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b.json b/chunks/json/7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b.json new file mode 100644 index 0000000000000000000000000000000000000000..22b5a1945820570547c22533319f8822855dc9ae --- /dev/null +++ b/chunks/json/7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":73976,"char_start":73510,"chunk_id":"chk_1c049bd2bc439a66","chunk_index":120,"chunk_sha256":"7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b","token_estimate":410,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 362\n\nScope of Work .......................................................................................................................................................................................................................... 362\n"} diff --git a/chunks/json/7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965.json b/chunks/json/7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965.json new file mode 100644 index 0000000000000000000000000000000000000000..2976af4061970b9f6f1c6530a782a12e024c0cae --- /dev/null +++ b/chunks/json/7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965.json @@ -0,0 +1 @@ +{"chunk":{"char_end":557601,"char_start":555975,"chunk_id":"chk_c1e58dc09ca8ac4d","chunk_index":331,"chunk_sha256":"7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"22.06.01\n22.06.05\n\nEnergy\nEfficient and\nGreen\nFeatures\n(subsection\nheading)\n\nRenewable\nEnergy\nComponent\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nYes | No\n\nEnergy Efficient and\nGreen Features\n•\n\nKnown Renewable\nEnergy\nComponents 6.000\n\n22.06.01\n22.06.05\n\nRenewable\nEnergy\nComponent\n\nIf relevant\n\nRequired when Known\nRenewable Energy\nComponents is Yes,\nand the row is\nincluded in the sales\ncomparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nEnergy Efficient and\nGreen Features\n•\n\nRenewable Energy\nComponent Type\n6.001\n\n22.06.02\n22.06.06\n\nBuilding\nCertification\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nYes | No\n\nEnergy Efficient and\nGreen Features\n•\n\nKnown Building\nCertifications\n6.004\n\n22.06.02\n22.06.06\n\nBuilding\nCertification\n\nIf relevant\n\nFree-form\n\nRequired when Known\nBuilding Certifications\nis Yes, and the row is\nincluded in the sales\ncomparison grid\n\nEnergy Efficient and\nGreen Features\n•\n\nBuilding\nCertification Name\n6.006\n\nThis subsection displays on the sales comparison grid when an\nadjustment has been made on Energy Efficient and Green Features, or to\nsupport conclusions based on market support.\n\nKnown Renewable Energy Components\nIndicates whether the property has renewable energy components that\nare known to the appraiser.\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nGeothermal\nSolar\n\n•\n•\n• Wind Turbine\n•\n\nOther (Describe)\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n"} diff --git a/chunks/json/7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472.json b/chunks/json/7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472.json new file mode 100644 index 0000000000000000000000000000000000000000..abe28263c45288d3aee54fca47cd746ab88fd7e2 --- /dev/null +++ b/chunks/json/7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35599,"char_start":32988,"chunk_id":"chk_870313f9a32277e5","chunk_index":20,"chunk_sha256":"7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472","token_estimate":653,"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":"$0\n\nInground Pool -\nDiving Board\n\n$0\n\nVehicle Storage\n\nType | Spaces | Detail\n\nCarport | 2 | Detached\n400 Sq. Ft.\nDriveway | 4 | Asphalt\nGarage | 2 | Attached\n528 Sq. Ft.\n\n$10,000\n\n$10,000\n\n$10,000\n\nDriveway | 6 | Gravel\nGarage | 2 | Attached\n\nDriveway | 6 | Asphalt\nGarage | 2 | Detached\n\nDriveway | 4 | Gravel\nGarage | 2 | Detached\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\nFinished Area\n\nUnfinished Area\n\nHeating\n\nUtilities\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n—\n\n—\n\n—\n\n—\n\n$799,900\n\n$770,000\n\nStable $(20,000)\n\nPool House\n\n$(5,000)\n\nStudio $(16,000)\n\n0 Sq. Ft.\n\n864 Sq. Ft.\n\nNone\n\nElectricity\n\n$855,000\n\n—\n\n$825,000\n\n$(41,900)\n\n$221\n\n$783,100\n\nMost\n\n192 Sq. Ft.\n\n0 Sq. Ft.\n\nNone\n\nElectricity\n\n$779,000\n\n—\n\n$765,000\n\n$3,380\n\n$215\n\n$768,380\n\nMost\n\n400 Sq. Ft.\n\n0 Sq. Ft.\n\nYes\n\nElectricity\n\n$799,999\n\n—\n\n$775,000\n\n$14,480\n\n$312\n\n$789,480\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$775,000\n\nReconciliation of Sales Comparison Approach\n\nThe subject and comparables are located within a market area that has a rural nature while being within 40 miles commuting distance to\nthe Northern Virginia and Washington, DC metropolitan and suburban area business and government centers. Within this market segment\nlarger lots with pastoral views and accessory structures and outbuildings are typical. However, sales of properties with accessory dwelling\nunits, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #1 and #2\nare given greatest consideration as they contain accessory dwelling units that are located within the main dwelling but are otherwise similar\nto the subject’s accessory unit. Comparables #1 and #2 are also similar to the subject in age and Comparable #2 is most similar to the subject\nin level and quality of updates. Comparable #3 has a garage, an ADU, and a separate studio. The ADU shares a common wall with the garage.\nHowever, Comparable #3 receives least consideration as it is an older farmhouse that has been gut renovated, including foundation work to\nupgrade and provide additional support. The renovation was completed with a high level of quality and craftsmanship while maintaining\nvintage characteristics (e.g., random width wood flooring and trim that has been restored and refinished) which may appeal to a different\nbuyer pool than houses of the subject and comparable #1 and #2’s vintage.\n"} diff --git a/chunks/json/7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd.json b/chunks/json/7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd.json new file mode 100644 index 0000000000000000000000000000000000000000..2162cb87db9a3d1abe8047278f53acac1b9ea976 --- /dev/null +++ b/chunks/json/7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13938,"char_start":10020,"chunk_id":"chk_7a1bcfadb6ebf65c","chunk_index":5,"chunk_sha256":"7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b32bba90b1ea6c8b","text_sha256":"7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd","token_estimate":979,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Performance_and_Accountability_Report___U_S___7lvrij.md"]},"text":"Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/256&order=field_release_date&sort=asc) Report Attachment January 23, 2026 [Performance and Accountability Report 2025](/reports/fhfa-performance-and-accountability-report/2025) [Read Report](/document/FHFA-2025-PAR.pdf) November 15, 2024 [Performance and Accountability Report 2024](/reports/fhfa-performance-and-accountability-report/2024) [Read Report](/document/fhfa-fy-2024-performance-and-accountability-report) November 15, 2023 [Performance and Accountability Report 2023](/reports/fhfa-performance-and-accountability-report/2023) [Read Report](/document/fhfa-2023-par.pdf) November 15, 2022 [Performance and Accountability Report 2022](/reports/fhfa-performance-and-accountability-report/2022) [Read Report](/document/performance-and-accountability-report-2022) November 15, 2021 [Performance and Accountability Report 2021](/reports/fhfa-performance-and-accountability-report/2021) [Read Report](/document/performance-and-accountability-report-2021) November 16, 2020 [Performance and Accountability Report 2020](/reports/fhfa-performance-and-accountability-report/2020) [Read Report](/document/fhfa-2020-par) November 19, 2019 [Performance and Accountability Report 2019](/reports/fhfa-performance-and-accountability-report/2019) [Read Report](/document/fhfa-par-2019) November 15, 2018 [Performance and Accountability Report 2018](/reports/fhfa-performance-and-accountability-report/2018) [Read Report](/document/fhfa-par-2018) November 15, 2017 [Performance and Accountability Report - 2017](/reports/fhfa-performance-and-accountability-report/2017) [Read Report](/document/fhfa-par-2017) November 15, 2016 [Performance and Accountability Report - 2016](/reports/fhfa-performance-and-accountability-report/2016) [Read Report](/document/fhfa-par-2016) November 16, 2015 [Performance and Accountability Report - 2015](/reports/fhfa-performance-and-accountability-report/2015) [Read Report](/document/fhfa-par-2015) November 17, 2014 [Performance and Accountability Report - 2014](/reports/fhfa-performance-and-accountability-report/2014) [Read Report](/document/fhfa-par-2014) December 16, 2013 [Performance and Accountability Report - 2013](/reports/fhfa-performance-and-accountability-report/2013) [Read Report](/document/performance-and-accountability-report-2013) November 15, 2012 [Performance and Accountability Report - 2012](/reports/fhfa-performance-and-accountability-report/2012) [Read Report](/document/performance-and-accountability-report-2012) November 14, 2011 [Performance and Accountability Report (Revised) - 2011](/reports/fhfa-performance-and-accountability-report/2011) [Read Report](/document/performance-and-accountability-report-2011) November 15, 2010 [Performance and Accountability Report - 2010](/reports/fhfa-performance-and-accountability-report/2010) [Read Report](/document/performance-and-accountability-report-2010) November 16, 2009 [Performance and Accountability Report - 2009](/reports/fhfa-performance-and-accountability-report/2009) [Read Report](/document/performance-and-accountability-report-2009) November 17, 2008 [Performance and Accountability Report - 2008](/reports/fhfa-performance-and-accountability-report/2008) [Read Report](/document/federal-housing-finance-agency-key-management-officials) November 15, 2007 [2007 OFHEO Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report/2007) [Read Report](/document/ofheo-performance-and-accountability-report-2007) November 15, 2005 [2005 Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report/2005) [Read Report](/document/ofheo-performance-and-accountability-report-2005)\n"} diff --git a/chunks/json/7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5.json b/chunks/json/7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5.json new file mode 100644 index 0000000000000000000000000000000000000000..730e8089b09645b68c59734f6e778b107b0af079 --- /dev/null +++ b/chunks/json/7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":315374,"char_start":313713,"chunk_id":"chk_a2f1a6367667cbc9","chunk_index":266,"chunk_sha256":"7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 242\n\nAdditional Exhibits\n\nAny additional images or graphs provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 17.024.1) =\n“MarketAnalysisExhibit”.\nAn image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 17.024.2) and displays above the\nimage in bold text.\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nSupported Enumerations\n\nCategory Display Text\n\n17.017.1\n\nNo label\n\n1400.0638\n\nImageCategoryType\n\nPercentOfDistressedSalesGraph\n\nPercent of Distressed Sales\n\nAbsorptionRateGraph\n\nAbsorption Rate\n\nMedianDaysOnMarketGraph\n\nMedian Days on Market\n\nPriceTrendGraph\n\nPrice Trend\n\nYearBuiltOfSalesGraph\n\nYear Built of Sales\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 243\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nSupported Enumerations\n\nCategory Display Text\n\n17.024.1\n\nNo label\n\n1400.0638\n\nImageCategoryType\n\nMarketAnalysisExhibit\n\n17.017.2\n\n17.024.2\n\nNo label\n\n1400.0640\n\nImageCaptionCommentDescription\n\n(Display the text provided in the caption.)\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n\nMarket – Arcrole Relationships\n\nArcrole relationships establish \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n"} diff --git a/chunks/json/7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643.json b/chunks/json/7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643.json new file mode 100644 index 0000000000000000000000000000000000000000..ac17eed0a5cc54381c978d8b8232f5fc70438beb --- /dev/null +++ b/chunks/json/7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643.json @@ -0,0 +1 @@ +{"chunk":{"char_end":330433,"char_start":328815,"chunk_id":"chk_1b020bc057226ffd","chunk_index":195,"chunk_sha256":"7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"• Flooring (Always displays for each type of flooring in the unit)\n• Walls and Ceiling (Always displays)\n• Other (Describe) (Displays if relevant)\n\nAppendix F-1: URAR Reference Guide\n\nPage 138 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nInformation for each type of Flooring in the Unit\n\nAt least one flooring type will display in the Interior Features table. If there are multiple types of flooring in the\nunit, each displays separately.\n\nUnit Interior - Interior Features: Flooring\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.044\n\nFeature\n\nAlways required\n\n10.045 Detail\n\nAlways required for\neach type of flooring in\nthe unit\n\nAllowable\nAnswers / Format\n\nReference the\nDefinition /\nAdditional\nGuidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nInterior Feature\n•\n\nFlooring\n\nNote: Photo(s) of the flooring may be provided, which display in Unit Interior\nExhibits, with the caption “Flooring”. An additional caption may be provided to\nfurther identify the photo.\n\nFlooring Type(s)\n•\nCarpet\n•\nCeramic Tile\n•\nEngineered Wood\n•\nFinished Concrete\n•\nHardwood\n•\nLaminate\n• Marble\n•\n•\n•\n\nSubflooring Only (there are no floor coverings)\nVinyl\nOther (Describe)\n\n10.046 Quality\n\nComment\n\nIf needed to describe\nthe current quality of\neach Flooring Type in\nthe unit\n\n10.047 Condition Status Always required for\n\neach Flooring Type in\nthe unit\n\nFree-form\n\nA brief description of the quality of the flooring type as of the effective date.\nFor further expansion of commentary, use Unit Interior Commentary (10.061).\n"} diff --git a/chunks/json/7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f.json b/chunks/json/7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f.json new file mode 100644 index 0000000000000000000000000000000000000000..83d679d832739ff9e5583bd695ef541de809b2c8 --- /dev/null +++ b/chunks/json/7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31767,"char_start":30455,"chunk_id":"chk_e3d4182e2a27be8e","chunk_index":17,"chunk_sha256":"7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"If you have additional questions regarding your existing mortgage, contact your mortgage servicer (listed on a recent mortgage statement) for assistance.\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0.json b/chunks/json/7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0.json new file mode 100644 index 0000000000000000000000000000000000000000..1caa28ee363bf6bf929ead7d19c612f8e8cf8df4 --- /dev/null +++ b/chunks/json/7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2374,"char_start":1815,"chunk_id":"chk_cb26193e5a2b9561","chunk_index":1,"chunk_sha256":"7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7159e29d665e98fe","text_sha256":"7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0","token_estimate":140,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uniform-appraisal-dataset-faqs-servicers.pdf","below_target_min_tokens"]},"text":"What resources are available?\n\nPlease refer to these resources to learn more about the new UAD changes:\n\nUAD Lender Preparedness Webinar: A recorded session to help lenders understand and prepare for the UAD 3.6 changes.\n\nThe Industry's Guide to the New URAR: A visual walkthrough of the redesigned Uniform Residential Appraisal Report (URAR).\n\nUniform Appraisal Dataset | Fannie Mae: Official documentation and updates from Fannie Mae.\n\nLender Readiness Kit: Tools and checklists to support your transition to UAD 3.6.\n\n© 2025 Fannie Mae 7.9.25 Page 1 of 1\n"} diff --git a/chunks/json/7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035.json b/chunks/json/7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035.json new file mode 100644 index 0000000000000000000000000000000000000000..2059a54ae4b8f36f10bd8aba6550f530996c119b --- /dev/null +++ b/chunks/json/7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12829,"char_start":11080,"chunk_id":"chk_370637b13407a8b4","chunk_index":6,"chunk_sha256":"7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"© 2023 Fannie Mae Page 4 of 5\n\nbe warning from November 1 through November 30, 2023, to allow lenders the opportunity to make any needed updates to\nprocesses. Edit D323 will be moved to fatal severity on December 1, 2023.\nThere are two options for a lender to resolve edit D323 and deliver the loan:\n\n1. Resubmit the DU loan casefile: Lenders can resubmit the loan casefile to DU after the PDC has been submitted to the\nFannie Mae Property Data API for DU message ID 3713 to be received. LD caches data for 24 hours, so the lender\nshould resubmit to DU and then wait 24 hours and rerun package edits in Loan Delivery.\n\nNOTE: If the lender did not submit the PDC to the API prior to the note date the loan is not eligible for delivery with SFC 774,\neven if DU message ID 3713 was received.\n\n2. Remove SFC 774. If the lender provided SFC 774 in error, removing the SFC will resolve edit D323.\n\nRefer to Value Acceptance + Property Data Fact Sheet for more information.\n\nEffective November 17, 2023, Loan Delivery will update eligibility criteria to reflect expanded access to credit and provide\nsupport for affordable rental housing, the maximum allowable LTV, CLTV, and HCLTV ratios for two- to four-unit, principal\nresidence, purchase and limited cash-out transactions will be updated to 95%. This change will not apply to high-\nbalance mortgage loans and loans that are manually underwritten. See DU V. 11.1 Release I Nov. 18, 2023 for more details.\n\nNov 17, 2023\n\nLTV Ratios\n\nDec 1, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\nEdit D323 related to Value Acceptance + Property Data changing to fatal severity (see Nov 1 entry for details).\n"} diff --git a/chunks/json/7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370.json b/chunks/json/7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370.json new file mode 100644 index 0000000000000000000000000000000000000000..ef23469af84292eef0deeaabc56e563129272f4d --- /dev/null +++ b/chunks/json/7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20952,"char_start":19349,"chunk_id":"chk_7643f9080f7bbc9b","chunk_index":10,"chunk_sha256":"7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"## 7. Principal Purpose and Routine Uses of Information\n\nOur principal purposes in collecting information via forms available on FHFA’s website are to respond to complaints, appeals, inquiries and requests for information; to review and post comments on proposed rules/regulations; to review feedback received on FHFA proposed or implemented initiatives; and/or to compile a list of potential vendors and contractors. The forms available on FHFA’s website may also assist FHFA and those who will respond to the submitter with consumer issues involving Fannie Mae, Freddie Mac, and the Federal Home Loan Banks.\n\nAs required by the Privacy Act of 1974, all routine uses are published in FHFA Systems of Records Notices, found on the [FHFA Privacy Office website](https://www.fhfa.gov/privacy). As stated in the routine uses in FHFA Systems of Records Notices (where applicable), FHFA may also use your information to determine whether a person has violated, is violating, or is about to violate the laws or rules that FHFA enforces. FHFA may use the information you provide in legal proceedings. If the information indicates violations of other laws or regulations, we may turn it over to other government agencies, including United States Attorneys and state prosecutors. In order to preserve the integrity of the investigation, we generally do not disclose to you whether we have done so or not.\n\nFHFA will not agree to limit its use of your information in any way not required by law, unless FHFA or an authorized staff explicitly agrees to do so in writing.\n\n## 8. Authority for Collecting Information\n"} diff --git a/chunks/json/7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2.json b/chunks/json/7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2.json new file mode 100644 index 0000000000000000000000000000000000000000..c54c3b627018a65e5df8a8ad5f59fa4a19f84c0e --- /dev/null +++ b/chunks/json/7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37914,"char_start":36312,"chunk_id":"chk_eba4d7e3d4d4682b","chunk_index":22,"chunk_sha256":"7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nDescription of Neighborhood Boundaries –\nText\n\nPage 19 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nSite Section\n\nArea\nFor sites/parcels that have an area of less\nthan one acre, the size must be reported in\nsquare feet. For sites/parcels that have an\narea of one acre or greater, the size must be\nreported in acreage to two decimal places.\nThe unit of measure must be indicated as\neither ‘sf’ for square feet or ‘ac’ for acres. A\nnumeric value must be entered followed by\nthe appropriate unit of measure. The total size\nof the entire site/parcel must be entered. No\nother data is permitted\n\nReporting Format:\nArea less than one acre – whole numbers only\n+ unit of measure\nArea equal to one acre or more – numeric to 2\ndecimals + unit of measure\n\nExamples:\n27840 sf\n3.40 ac\n\nPage 20 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n"} diff --git a/chunks/json/7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf.json b/chunks/json/7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf.json new file mode 100644 index 0000000000000000000000000000000000000000..cd85d4a957953bb8f1730ddb39824fe58957cb6b --- /dev/null +++ b/chunks/json/7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3828,"char_start":2221,"chunk_id":"chk_25eb6fa5bcaf7126","chunk_index":3,"chunk_sha256":"7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf","token_estimate":460,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"Data Integrity -------------------------------------------------------------------------------------------------------------------- 7\n\nData Entry Aid ------------------------------------------------------------------------------------------------------------------- 9\n\nAppendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0\n\nPage 3\n\nIntroduction\n\nThe Uniform Appraisal Dataset (UAD) URAR Implementation iGuide - Supplement - Usability and Implementation\ndocument provides guidance for creating the user interface for the Uniform Residential Appraisal Report (URAR).\n\nThe information in this document should be used in conjunction with Appendix A-1 URAR Delivery Specification,\nAppendix B-1 URAR Implementation Guide, and Appendix F-1 URAR Reference Guide.\n\nUsability and Implementation Guidance\n\nThe UAD Redesign project focuses on capturing discrete data and minimizes the dependence on free-form text.\nThis shift helps to reduce subjectivity, enhance impartiality, and improve data consistency. Discrete, machine-\nreadable data will allow stakeholders to implement more streamlined review processes across all property types.\n\nEnumerated Values\n\nThe new UAD reduces the number of discretionary fields and relies more on fields with defined values to reduce\nsubjectivity. Each data point name that ends with the word “Type” has a set of defined enumerated values.\nAppendix A-1 URAR Delivery Specification has approximately 180 unique data points that have defined\nenumerations. The specification includes definitions for each data point and each enumerated value.\n"} diff --git a/chunks/json/7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4.json b/chunks/json/7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4.json new file mode 100644 index 0000000000000000000000000000000000000000..4298b09e4ab20344ef7c6869e9aa43f0f03c4083 --- /dev/null +++ b/chunks/json/7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":430662,"char_start":429064,"chunk_id":"chk_902c6ee16d8e58d4","chunk_index":243,"chunk_sha256":"7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"…/PRINCIPAL_AND_I\nNTEREST_PAYMENT_\nADJUSTMENT/PRINCI\nPAL_AND_INTEREST_\nPAYMENT_LIFETIME_\nADJUSTMENT_RULE\n\nFirstPrincipalAndInterestPay\nmentChangeMonthsCount\n\n13\n\nPrincipalAndInterestPaymen\ntMaximumAmountEarliestEf\nfectiveMonthsCount\n\n13\n\nRepresented in AP\ntable as “at 13th\npayment”\nRepresented in AP\ntable as “starting at\n13th payment”\n\n19.6 |\n4.3.3(1)\n\nFirst Change /\nAmount…\n\n19.8\n|4.3.3(2)\n\nMaximum Payment\n$___ …\n\n19.6\n\nFirst Change /\nAmount…$\n\n…/PRINCIPAL_AND_I\nNTEREST_PAYMENT_\nADJUSTMENT/PRINCI\nPAL_AND_INTEREST_\nPAYMENT_PER_CHA\nNGE_ADJUSTMENT_R\nULES/PRINCIPAL_AN\nD_INTEREST_PAYME\nNT_PER_CHANGE_AD\nJUSTMENT_RULE\n\nAdjustmentRuleType\n\nFirst\n\nROF as “First”\n\nPerChangeMaximumPrincip\nalAndInterestPaymentAmou\nnt\n\n1500.00\n\nROF as “$1,500.00”\n\n19.7\n\nSubsequent\nChanges Every #___\nyears\n\nFor interest only loans with one interest only period no explicit data is sent to represent\n“No Subsequent Changes”\n\nAppendix E: UCD Implementation Guide\n\nPage 200 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nID\n(bullet)\n\n19.1.1 |\n4.3.3(3)\n\nForm Field Name\n\nInterest Only\nPayments? For your\nfirst ____ payments\n\n19.1 |\n4.3.2\n\n19.5 |\n4.3\n\nInterest Only\nPayments?\n\n Principal\nand Interest\nPayments\n\nTable 133. Fixed Rate Interest Only Loan\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n…/INTEREST_ONLY\n\nInterestOnlyTermMonthsCo\nunt\n\n12\n\n…/LOAN_DETAIL\n\nInterestOnlyIndicator\n\ntrue\n\nRepresented in AP\ntable as “For your\nfirst 12 payments”\n\nRepresented in AP\nTable as “YES”\n\n…/PAYMENT/PAYME\nNT_RULE\n\nPaymentFrequencyType\n\nMonthly\n"} diff --git a/chunks/json/7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07.json b/chunks/json/7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07.json new file mode 100644 index 0000000000000000000000000000000000000000..fdc0888d5e80d3f3998a6f483c1f94633d734c2c --- /dev/null +++ b/chunks/json/7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31223,"char_start":30613,"chunk_id":"chk_e436298e9b49b1c2","chunk_index":49,"chunk_sha256":"7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07","token_estimate":492,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Income Approach .......................................................................................................................................... 69\n\nGross Rent Multiplier Comparables (H1) ............................................................................................................ 69\n\nIndicated Value by Income Approach (H1) ......................................................................................................... 70\n\nIncome Approach Commentary (H1) .................................................................................................................. 70\n"} diff --git a/chunks/json/7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d.json b/chunks/json/7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d.json new file mode 100644 index 0000000000000000000000000000000000000000..8d2fb29b5b69bf9fdad8290a2c54a3ec22980032 --- /dev/null +++ b/chunks/json/7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":605695,"char_start":603778,"chunk_id":"chk_e724244749b1ded2","chunk_index":357,"chunk_sha256":"7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d","token_estimate":479,"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\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of\nfield e-29 (GSE Listing Status Type) is\nnot ‘Active’. If the value of field e-29\nis ‘SettledSale’ and the value of field e-\n31 is ‘N’, then a second instance is\nrequired.\n\nThis field is required if the value of\nfield e-29 (GSE Listing Status Type) is\n‘SettledSale’.\n\nThe sum of this field 3-64 and fields (3-\n60, 3-62, 3-66, 3-68, 3-70, 3-72, 3-74,\n3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 114 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n401\n\n3\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Location Type)\n\nGSE Location\nType\n\nThe type of location influences associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_\nEXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@\nGSELocationType\n"} diff --git a/chunks/json/7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e.json b/chunks/json/7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e.json new file mode 100644 index 0000000000000000000000000000000000000000..e30467ff373c98e005bd875818a5734a68778ba9 --- /dev/null +++ b/chunks/json/7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":86139,"char_start":84406,"chunk_id":"chk_5dcf44e77188c6ca","chunk_index":50,"chunk_sha256":"7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Concrete\n\n80 Sq. Ft.\n\n80 Sq. Ft.\n\n80 Sq. Ft.\n\n80 Sq. Ft.\n\nWhole Home\n\nMultiple Zone HVAC\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality - Dwelling\nInterior Quality - Unit A\nInterior Quality - Unit B\nInterior Quality - Unit C\nInterior Quality - Unit D\n\nQ4\nQ4\nQ4\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition - Dwelling\nInterior Condition - Unit A\nInterior Condition - Unit B\nInterior Condition - Unit C\nInterior Condition - Unit D\n\nC3\nC3\nC3\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe Overall Quality and Condition matches both the Exterior and Interior Quality and Condition, given that both exterior and interior are the\nsame age.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 14 of 26\nPage 14 of 26\n\nMarket\n\nMarket Area Boundary The subject’s market area is bounded to the North by I-20, to the East by Sundown Parkway, to the South by Main\nStreet, and to the West by Cowboy County State Park.\n\nSearch Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 4 unit properties built\nwithin the past 20 years, located within a 5 mile radius of the subject, sold during the past 12 months.\n"} diff --git a/chunks/json/7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a.json b/chunks/json/7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a.json new file mode 100644 index 0000000000000000000000000000000000000000..add05bd07d3bc2145cb8d1dbcbc151ee9c06e667 --- /dev/null +++ b/chunks/json/7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8666,"char_start":7071,"chunk_id":"chk_520b8b6f34e06ec2","chunk_index":4,"chunk_sha256":"7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_01262f3c594c67e9","text_sha256":"7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/The_Ombudsman___FHFA_5mybwl.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## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - The Ombudsman\n\n# The Ombudsman\n\nFHFA is an independent agency of the federal government that regulates and supervises the housing government-sponsored enterprises (GSEs).\n\nThe housing GSEs are Fannie Mae, Freddie Mac, the Federal Home Loan Banks (FHLBanks), the FHLBank System’s Office of Finance, and Common Securitization Solutions, LLC (CSS).\n"} diff --git a/chunks/json/7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298.json b/chunks/json/7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298.json new file mode 100644 index 0000000000000000000000000000000000000000..4b7bcbd4ee8a70456346b5be008126e016a54c27 --- /dev/null +++ b/chunks/json/7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10879,"char_start":8977,"chunk_id":"chk_9982a2f2d7461158","chunk_index":5,"chunk_sha256":"7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1e29fa866f13fb3","text_sha256":"7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298","token_estimate":476,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_Stress_Tests_For_Market_And_714cn.md"]},"text":"## Market Risk Macroeconomic Scenarios\n\nThe FHFA market risk scenarios are comprised of instantaneous shocks to current measures of four key interest rates, implied volatility, and option-adjusted spreads. FHFA derives its interest rate shocks from historical interest rate changes observed over successive 6-month intervals, measured from the first day of each month extending back to 1998. FHFA has determined that the breadth of movements in interest rates over this historical period, especially during 2007 - 2011, is sufficient to result in a number of scenarios that constitute stressful economic conditions as applied to each Bank’s portfolio. Bank use of the scenarios for the purpose of measuring market-risk based capital requirements will be considered compliant with FHFA guidance.\n\nA brief description of the methodology used to generate the scenarios, references to FHFA working papers describing the methodology, and the historically-based market risk scenarios are [available here](/data/fhlb-stress-tests/market-risk-scenarios).\n\n## Credit Risk Macroeconomic Scenarios for Stress-Testing Mortgage Related Assets\n\nThe FHFA credit risk scenarios for mortgage assets are comprised of 30-year time paths for several interest rates and state-level house price indexes (HPIs). The scenarios are constructed to represent worst-case, yet plausible, paths for house price levels. Since each mortgage loan is collateralized by the property, mortgage holders generally do not suffer a credit loss unless the underlying property has suffered a loss in market value, or price. Consequently, the macroeconomic scenario is made stressful by subjecting the mortgage assets to a downward shock in HPI, accompanied by a drop in interest rates as is likely to occur during an economic recession. Bank use of the scenarios for measuring the credit risk of mortgage assets is compliant with FHFA guidance.\n"} diff --git a/chunks/json/7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f.json b/chunks/json/7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f.json new file mode 100644 index 0000000000000000000000000000000000000000..27481dff834efe43daa6925bfc9ed299339f7c8c --- /dev/null +++ b/chunks/json/7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_64287ef398eeb9eb","chunk_index":0,"chunk_sha256":"7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_804a7fc1535bc1e6","text_sha256":"7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Conforming_Loan_Limit_Values___FHFA_94vzus.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/conforming-loan-limit\"\ndate_accessed: \"2026-01-27T17:47:50.339Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5.json b/chunks/json/800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5.json new file mode 100644 index 0000000000000000000000000000000000000000..a82135b112306e6e55bba54f14c9b863df079f9e --- /dev/null +++ b/chunks/json/800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":815648,"char_start":814046,"chunk_id":"chk_91a1b7c91f35c66c","chunk_index":484,"chunk_sha256":"800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Annually']/@_PerSquareFootAmount\n\nIndicates that no utilities are included in\nthe Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly' and\n@_NoUtilitiesIncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Heating' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Cooling' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Electricity' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Gas' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n"} diff --git a/chunks/json/8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30.json b/chunks/json/8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30.json new file mode 100644 index 0000000000000000000000000000000000000000..ecac9e93dfc601d15d0ff7e6a892815136e7c075 --- /dev/null +++ b/chunks/json/8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30.json @@ -0,0 +1 @@ +{"chunk":{"char_end":470887,"char_start":469283,"chunk_id":"chk_6803714508cc7be3","chunk_index":267,"chunk_sha256":"8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"21. 3 Amount Financed: Expressed as a dollar amount, with the statement, “The loan amount available after\n\npaying your upfront finance charge.”\n\n21. 4 Annual Percentage Rate (APR): Expressed as a percentage, with the statement, “Your costs over the loan\n\nterm expressed as a rate. This is not your interest rate.”\n\n21. 5 Total Interest Percentage (TIP): Expressed as a percentage, with the statement, “The total amount of\n\ninterest that you will pay over the loan term as a percentage of your loan amount.” This calculation\nassumes that the borrower makes each monthly payment in full and on-time, and does not make any\nover-payment.\n\nLoan Calculations\n\n20.0\n\n21.1 Total of Payments. Total you will have paid after you\nmake all payments of principal, interest, mortgage\ninsurance, and loan costs, as scheduled.\n\n21.2 Finance Charge. The dollar amount the loan will cost\nyou.\n\n21.3 Amount Financed. The loan amount available after\npaying your upfront finance charge.\n\n21.4 Annual Percentage Rate (APR). Your costs over the\nloan term expressed as a rate. This is not your interest\nrate.\n\n$269,574.50\n\n$116,884.00\n\n$148,367.91\n\n4.404%\n\nAppendix E: UCD Implementation Guide\n\nPage 219 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n21.0 Loan Calculations\n\n21.5 Total Interest Percentage (TIP). The total amount of\ninterest that you will pay over the loan term as a\npercentage of your loan amount.\n\n74.66%\n\nFigure 135. Additional Information about this Loan – Loan Calculations\n\nTable 148. Loan Calculations Table\n\nID\n\nForm Field Name MISMO v3.3.0 Context MISMO v3.3.0 Data\n\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n"} diff --git a/chunks/json/802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d.json b/chunks/json/802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d.json new file mode 100644 index 0000000000000000000000000000000000000000..a3b5d67232a4f5b6b3540957bfa0ed1a96750273 --- /dev/null +++ b/chunks/json/802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":491406,"char_start":489790,"chunk_id":"chk_f7f88d4d892ce95e","chunk_index":291,"chunk_sha256":"802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 209 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n21 Prior Sale and Transfer History\n\nPrior Sale and Transfer History Details (for Subject and Each Comparable)\n\nReport\nField ID\n\n21.002\n21.008\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nTransfer Terms\n\nRequired for each sale\nor transfer if\nOwnership Transfer\nType is Sale\n\nChoose an\nallowable answer\nfrom table (Prior\nSale Type)\n\nDefinition / Additional Guidance\n\nCourt Ordered Non-Foreclosure Sale\nEstate Sale\nForeclosure Sale\nLand Sale\nPre-Subdivision Sale\nSale Between Related Parties\nRelocation Sale\nREO Post Foreclosure Sale\nShort Sale\nTypically Motivated\nOther (Describe)\n\nPrior Sale Type: The terms of the prior sale or transfer.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNote: If more than one Transfer Term applies, select the most applicable one\nand provide details in:\n•\n•\n\nAnalysis of Prior Sale or Transfer History of Subject Property (21.006).\nAnalysis of Prior Sale or Transfer History of Comparable Sales (21.012).\n\nDate\n\nAmount\n\n21.003\n21.009\n\n21.004\n21.010\n\nRequired for each sale\nor transfer\n\nIf available for each\nsale or transfer\n\nmm/dd/yyyy\n\nThe date of the prior sale or transfer.\n\nDollar amount\n\nPrior Sale or Transfer Amount: The dollar amount of the prior sale or transfer.\n\nAmount\n\n21.004\n21.010\n\nRequired for each sale\nor transfer if Prior Sale\nor Transfer Amount is\nnot provided\n\nChoose an\nallowable answer\nfrom table\n(Reason Price Not\nAvailable)\n\nData Source\n\n21.005\n21.011\n\nRequired for each sale\nor transfer\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0.json b/chunks/json/802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0.json new file mode 100644 index 0000000000000000000000000000000000000000..7b7aa6ee1a1404db1439c20c5a2d9a8c4a66f951 --- /dev/null +++ b/chunks/json/802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":113165,"char_start":111529,"chunk_id":"chk_d330c42ba620027b","chunk_index":59,"chunk_sha256":"802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"b.\n\nc.\n\nIf the borrower’s deposit has been applied toward a closing cost, the amount applied should be delivered in the\nFEE container with the closing cost line item, with the FeePaymentPaidByType = “Buyer” and the\nFeePaymentPaidOutsideOfClosingIndicator = “true”.\n\nIf there was no deposit on the transaction, the three deposit data points must still be delivered as described but\nwith ClosingCostFundAmount = “0”.\n\nFigure 31. Rendering Deposit on the CD.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n(11.0 – 13.0)\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.0.1\n\n12.1 Deposit\n\n12.5.1 $10,000.00\n\nTable 25. UCD v2.0 Spec Excerpt - Deposit Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nMISMO v3.3.0 Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING_\nINFORMATION/CLOSING_COST_FUNDS/CLOSING_COST_FUND\n\n10.029\n\nClosingCostFundAmount\n\n10000.00\n\nProvide \"0\" if there is no deposit for\nthe purchase transaction.\n\n10.028\n\nFundsType\n\nDepositOnSalesContract\n\n10.160\n\nIntegratedDisclosureSectionType PaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n\nUCD v2.0 Implementation Guide\n\n- 45 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 32. XML Snippet - Example of Deposit Data.\n\n\n…\n \n\n\n \n\n\n\n\n \n\n10000.00\n DepositOnSalesContract\n PaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n"} diff --git a/chunks/json/802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8.json b/chunks/json/802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8.json new file mode 100644 index 0000000000000000000000000000000000000000..4064c76167ae80b4e31832f2aead41cd3d70df63 --- /dev/null +++ b/chunks/json/802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7330,"char_start":5551,"chunk_id":"chk_336d1fba9c98a787","chunk_index":3,"chunk_sha256":"802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8","date_utc":"2026-01-27T18:10:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b0bb634c8cbfe634","text_sha256":"802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8","token_estimate":445,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123115.pdf"]},"text":"Self-Employed Indicator\n1=yes;\n2=no\nProperty Type\nPT01=Single family detached;\nPT02=Deminimus PUD;\nPT03=Single Family Attached;\nPT04=Two family;\nPT05=Townhouse;\nPT06=Low-Rise Condominium;\nPT07=PUD;\nPT08=Duplex;\nPT09=three family;\nPT10=Four family;\nPT11=Hi-Rise condominium;\nPT12=Manufactured Home\n\nARM Index\n01=11th District Cost of Funds;\n02=Other Cost of Funds Index;\n03=LIBOR;\n04=1 year Constant Treasury Rate\n99=Not an ARM\n\nARM Margin\n99999=Not an ARM\nPrepayment Penalty Date\n12/31/9999=No Prepayment Penalty Date\nBorrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n\nPage 3 of 5\n\nColumn\n\n68 Race2\n\n69 Race3\n\n70 Race4\n\n71 Race5\n\n72 CoEth\n\n73 CoRace2\n\n74 CoRace3\n\nAMA_PUDB_definitions_123115.xlsx\n\nDefinition\nBorrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n"} diff --git a/chunks/json/80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87.json b/chunks/json/80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87.json new file mode 100644 index 0000000000000000000000000000000000000000..a73b0d78d82735a3270d25c84fae4d8f43801ff6 --- /dev/null +++ b/chunks/json/80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87.json @@ -0,0 +1 @@ +{"chunk":{"char_end":42614,"char_start":40781,"chunk_id":"chk_6a4456b16d82083d","chunk_index":24,"chunk_sha256":"80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87","token_estimate":458,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 22\nPage 21 of 22\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"} diff --git a/chunks/json/804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef.json b/chunks/json/804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef.json new file mode 100644 index 0000000000000000000000000000000000000000..d9f7f6e4d890f44f614f8e142911a59a879e9db4 --- /dev/null +++ b/chunks/json/804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1948,"char_start":0,"chunk_id":"chk_5648dfc9a45dc945","chunk_index":0,"chunk_sha256":"804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_29c7bacc62c61288","text_sha256":"804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef","token_estimate":487,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-february-25-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 11.1\n\nJan. 25, 2023\n\nDuring the weekend of Feb. 25, 2023, Fannie Mae will implement Desktop Underwriter® (DU®) Version 11.1. The\nchanges in this release will apply to new loan casefiles submitted to DU on or after the weekend of Feb. 25, 2023. Loan\ncasefiles created in DU Version 11.0 and resubmitted after the weekend of Feb. 25 will continue to be underwritten\nthrough DU Version 11.0.\n\nPlease review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared\nto support this release.\n\nNew, Modified, and Retired DU Underwriting Findings Messages\n\nThis release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings\nreport.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file)\nmay require updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via\nthe DU Messages API may also require updates to support the message changes. Reference the table below for a\npreliminary assessment of the anticipated message changes.\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n1\n\n4\n\n4\n\nThe final DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to\nauthorized subscribers on or about Jan. 25, 2023.\n\nHomeStyle Renovation Update\n\nDU will now identify HomeStyle® Renovation loan casefiles using the Renovation Loan Indicator with the total dollar\namount spent on renovations to the subject property (see details below), both data points must be provided in the\nloan application submission file for the loan to be underwritten as a HomeStyle Renovation loan. This enhancement\nwill allow lenders to use these fields separately for transactions that are not HomeStyle Renovation loans.\n"} diff --git a/chunks/json/805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8.json b/chunks/json/805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8.json new file mode 100644 index 0000000000000000000000000000000000000000..6550dcb1a22f8d05ed8edea109f8e6baa2f817ad --- /dev/null +++ b/chunks/json/805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61142,"char_start":59231,"chunk_id":"chk_5774233c045c7d76","chunk_index":33,"chunk_sha256":"805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8","token_estimate":478,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"May be provided to further\nidentify the photo or image\n\nRequired if a physical\ndefect, damage, or\ndeficiency\n\nVehicle Storage Exhibits\n\nRequired for each photo or\nimage\n\nAmenity Type\nExample: Deck\n\nMay be provided to further\nidentify the photo or image\n\n14\n\nSubject\nProperty\nAmenities\n\nApparent Defects,\nDamages, Deficiencies -\nFeature\n\nMay be provided to further\nidentify the photo or image\n\nRequired if a physical\ndefect, damage, or\ndeficiency\n\nSubject Property\nAmenities Exhibits\n\nRequired for each photo or\nimage\n\n15\n\n16\n\nOverall\nQuality and\nCondition\nHighest and\nBest Use\n\nHighest and Best Use\nExhibits\n\n17\n\nMarket\n\nAbsorption Rate\n\nMedian Days on Market\n\nPercent of Distressed\nSales\n\nPrice Trend\n\nYear Built of Sales\n\nRequired for each photo or\nimage\nMay be provided to further\nidentify the image\nMay be provided to further\nidentify the image\nMay be provided to further\nidentify the image\nMay be provided to further\nidentify the image\nMay be provided to further\nidentify the image\n\nLarge photo at the top of the\nsection (identified as\nOutbuilding Exhibit)\nThe photo must be associated\nwith the specific Defect,\nDamage, or Deficiency. See\n12.020.\nPhotos of room(s) that are in\nthe Outbuilding Area table\n(not in the ADU portion of the\noutbuilding) are identified as\nOutbuilding Exhibits.\nSee 12.012\nAll photos of the outbuilding\n(other than defects) are\nidentified as Outbuilding\nExhibits.\nThe photo must be associated\nwith the specific Vehicle\nStorage Type. See 13.001.\nThe photo must be associated\nwith the specific Defect,\nDamage, or Deficiency. See\n13.005.\nPhotos or images related to\nthe Vehicle Storage section\nthat are not specified above.\nThe photo must be associated\nwith the specific Amenity Type.\nSee 14.002.\nThe photo must be associated\nwith the specific Defect,\nDamage, or Deficiency. See\n14.006.\nPhotos or images related to\nthe Subject Property\nAmenities section that are not\nspecified above.\n"} diff --git a/chunks/json/8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074.json b/chunks/json/8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074.json new file mode 100644 index 0000000000000000000000000000000000000000..a789c9e536c32a419fb889300fbf9c83b8b479ef --- /dev/null +++ b/chunks/json/8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074.json @@ -0,0 +1 @@ +{"chunk":{"char_end":562526,"char_start":560830,"chunk_id":"chk_8da5ca47f909c56a","chunk_index":334,"chunk_sha256":"8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074","token_estimate":424,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\nAppendix F-1: URAR Reference Guide\n\nPage 246 of 375\n\nVersion 1.3\n\nNotes:\n2- to 4-unit properties are identified using Units Excluding ADUs\nbetween 2 and 4.\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Unit(s)\n\nFree-form\n\nFor properties with\nmore than one unit,\nwhen the unit is not an\nADU\n\nUnit Interior\n•\n\nStructure Identifier\n10.001\n\nNo\n\nFor the subject property, Structure Identifier 10.001 redisplays from each\nUnit Interior section if applicable.\n\nExamples: Building 1, Building 2\n\n22.07.01\n22.07.17\n\nStructure ID |\nUnit ID\n\n22.07.01\n22.07.17\n\nStructure ID |\nUnit ID\n\nFor properties\nwith more\nthan one unit,\nwhen the unit\nis not an ADU\nfor the subject\nor any\ncomparable\n\nFor properties\nwith more\nthan one unit,\nwhen the unit\nis not an ADU\nfor the subject\nor any\ncomparable\n\nNot on\nReport\n\nN/A\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\n22.07.02\n22.07.18\n\nLocation of\nADU\n\n22.07.02\n22.07.18\n\nLocation of\nADU\n\nIf Unit is an\nADU is Yes for\nthe subject or\nany\ncomparable\n\nIf Unit is an\nADU is Yes for\nthe subject or\nany\ncomparable\n\nWhen there are\nmultiple units on the\nproperty:\n•\n\nFree-form\n\nUnit Interior\n•\n\nUnit Identifier\n10.002\n\nNo\n\nUnit Identifier: An identifier assigned by the appraiser that differentiates\nbetween multiple units on the property.\n\nExamples: Unit 1, Unit 2, Primary Dwelling, ADU\n\n•\n\nUnits Excluding\nADUs is more\nthan 1, or\nNumber of ADUs\non Property is 1\nor more (Does\nnot display in\nsales grid)\n"} diff --git a/chunks/json/806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841.json b/chunks/json/806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841.json new file mode 100644 index 0000000000000000000000000000000000000000..650b76a762e633297b6d5205589c8752703742d1 --- /dev/null +++ b/chunks/json/806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841.json @@ -0,0 +1 @@ +{"chunk":{"char_end":129721,"char_start":128112,"chunk_id":"chk_74324b6768cb22e4","chunk_index":56,"chunk_sha256":"806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Figure 20. Purpose = Construction\n\nThe required data points Table 34 are for a loan for the cost of building a structure on land already owned by the\nborrower.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 34. Purpose = “Construction”\n\n3.2\n\nPurpose\n\n…/INTEGRATED_DIS\nCLOSURE_DETAIL\n\nIntegratedDisclosure\nHomeEquityLoanIndi\ncator\n\nfalse\n\n…/LOAN/LOAN_DET\nAIL\n\nConstructionLoanInd\nicator\n\ntrue\n\nNot shown unless\nvalue = “true”\n\nRepresented as\n“Construction” on\nform\n\nAppendix E: UCD Implementation Guide\n\nPage 51 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nTable 34. Purpose = “Construction”\n\nUID\n16.015\n\nN/A – GSE\n\nUID\n3.016\n\nN/A – GSE\n\n…/LOAN/LOAN_DET\nAIL/EXTENSION/OTH\nER\n\n…/LOAN/TERMS_OF\n_LOAN\n\ngse:SubordinateFina\nncingIsNewIndicator\n\nfalse\n\nNot shown – data\nclarity\n\nLienPriorityType\n\nFirstLien\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\n3.2\n\nPurpose\n\nLoanPurposeType\n\nRefinance\n\n5. HOME EQUI TY LOAN\n\nThe final allowable Purpose is for a Home Equity Loan.\n\n3.0 Loan Information\n\n3.1 Loan Term 30 Years\n\n3.2 Purpose Home Equity Loan\n\n3.3 Product\n\nFixed\n\nFigure 21. Purpose = “Home Equity Loan”\n\nTable 35. Purpose = “Home Equity Loan”\n\nID\n\nForm Field\nName\n\n3.2\n\nPurpose\n\nMISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO\nv3.3.0 Value\n\nNotes\n\n…/INTEGRATED_DISCLOSUR\nE_DETAIL\n\nIntegratedDisclosureHo\nmeEquityLoanIndicator\n\ntrue\n\nRepresented as “Home\nEquity Loan” on form\n\n…/LOAN/LOAN_DETAIL\n"} diff --git a/chunks/json/806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681.json b/chunks/json/806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681.json new file mode 100644 index 0000000000000000000000000000000000000000..e535f23386c27e53ee232bf68abb970c33552f93 --- /dev/null +++ b/chunks/json/806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3327,"char_start":2705,"chunk_id":"chk_94844f0ba9bf2f29","chunk_index":3,"chunk_sha256":"806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681","token_estimate":452,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Irreflexive Relationship .......................................................................................................... 9\n\nRules for XLink Relationships .................................................................................................. 10\n\nOverview ........................................................................................................................... 10\n\nRELATIONSHIP Element Types “From” and “To” End Point Conditions ................................... 11\n\nRELATIONSHIP Element Attributes: from, to and arcrole ........................................................ 12\n"} diff --git a/chunks/json/807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859.json b/chunks/json/807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859.json new file mode 100644 index 0000000000000000000000000000000000000000..2650053a1343756a1081891d68d07bf646401efe --- /dev/null +++ b/chunks/json/807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23047,"char_start":22182,"chunk_id":"chk_523b5723d3426b6f","chunk_index":23,"chunk_sha256":"807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859","token_estimate":403,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Appraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nMaster Report Sketch_(cid:18)(cid:17)(cid:64)mv0(cid:25)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSketch\n\nSketch or Floor Plan Not Available\n\n(cid:26)(cid:17)(cid:19)(cid:19)(cid:19)\n\nMeasurement Standard\n\n(cid:26)(cid:17)(cid:19)(cid:19)(cid:20)\n\n(cid:26)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:26)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21)\n\nSketch Commentary\n\n(cid:26)(cid:17)(cid:19)(cid:19)(cid:22)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n"} diff --git a/chunks/json/8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7.json b/chunks/json/8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7.json new file mode 100644 index 0000000000000000000000000000000000000000..b229367ed979ec62721b6df3cdeb9aaa2af0d7d0 --- /dev/null +++ b/chunks/json/8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11240,"char_start":8522,"chunk_id":"chk_6a9dea1bc0a600be","chunk_index":5,"chunk_sha256":"8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19e26ae5e9347dd1","text_sha256":"8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7","token_estimate":679,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/William_J__Pulte___FHFA_yvavr.md"]},"text":"# William J. Pulte, Director\n\n## U.S. Federal Housing\n\nOn March 14, 2025, William J. Pulte was sworn in as the 5th Director of U.S. Federal Housing, following his nomination by U.S. President Donald J. Trump and bipartisan confirmation by the U.S. Senate. In this role, Pulte oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Banks.\n\nBefore his appointment, Pulte had a longstanding career in homebuilding, housing products, and community development. In 2011, Pulte founded Pulte Capital Partners LLC, an investment firm that focuses on building and housing products. He also served on the board of Pulte Homes, a Fortune 500 company and one of the largest homebuilders in the country.\n\nBeyond business, Pulte is recognized for his philanthropy. Pulte founded the Blight Authority, a nonprofit organization dedicated to removing urban blight in Detroit, MI, St. Louis, MO, and Pontiac, MI. Pulte also started Twitter philanthropy, giving hundreds of thousands of dollars to numerous causes directly on Twitter (now X), and engaging millions of followers in the process.\n\nPulte graduated from Northwestern University.\n\nfunction createDownloadButtonsSection() { // Create container elements with styles const outerDiv = document.createElement('div'); Object.assign(outerDiv.style, { display: 'flex', fontSize: '1.1rem', justifyContent: 'center', marginRight: '22px', marginTop: '10px' }); const innerDiv = document.createElement('div'); Object.assign(innerDiv.style, { display: 'flex', flexDirection: 'column', width: '95%' }); // Button configurations const buttonConfigs = [ { text: 'Download JPG', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait.jpg', styles: { backgroundColor: 'var(--color-fhfa-primary)', marginBottom: '1rem', marginTop: '1rem' } }, { text: 'Download JPG (Large)', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait-Large.jpg', styles: { backgroundColor: 'var(--color-fhfa-primary)', marginBottom: '1rem' } }, { text: 'Download TIFF', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait-Large.tiff', styles: { backgroundColor: 'var(--color-fhfa-primary)' } } ]; // Create and append buttons buttonConfigs.forEach(config => { const button = document.createElement('a'); button.setAttribute('download', ''); button.className = 'usa-button'; button.href = config.href; button.textContent = config.text; // Apply styles Object.assign(button.style, config.styles); innerDiv.appendChild(button); }); // Assemble and return outerDiv.appendChild(innerDiv); return outerDiv; } // Create and add to the document const downloadSection = createDownloadButtonsSection(); document.querySelector('.profile-picture').appendChild(downloadSection);\n"} diff --git a/chunks/json/808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb.json b/chunks/json/808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb.json new file mode 100644 index 0000000000000000000000000000000000000000..7ca2b825700aa99ab365581ac0ef6560ead7e1cd --- /dev/null +++ b/chunks/json/808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38735,"char_start":38119,"chunk_id":"chk_3a0274d6faaa717e","chunk_index":62,"chunk_sha256":"808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb","token_estimate":501,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Assignment Information and Scope of Work Commentary (H1) ........................................................................ 82\n\nCertifications and Scope of Work ................................................................................................................... 83\n\nScope of Work (H1) ............................................................................................................................................. 83\n\nIntended Use (H1) ............................................................................................................................................... 83\n"} diff --git a/chunks/json/80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490.json b/chunks/json/80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490.json new file mode 100644 index 0000000000000000000000000000000000000000..696012fe6f570a7471e993b2f8230de59fe168f3 --- /dev/null +++ b/chunks/json/80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33038,"char_start":31398,"chunk_id":"chk_15ab57653b2da4be","chunk_index":27,"chunk_sha256":"80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Although the information is similar for appraisers and supervisors, the data points are different and clients require an additional PartyRoleType,\ntherefore they are split out in this document.\n\nAppraiser\n\nInformation about the appraiser, PartyRoleType (UID: 2200.0105, FID: 05.038) = “Appraiser”, always displays.\n\nNote: To easily find data points in the Restricted Appraisal Update Report\n\nSpecification, search for “Appraiser” under the “Additional Context” column.\n\nPage 29\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nAssignment Information: Contact Information – Appraiser\n\n04.011 Name\n\n2200.0095 FirstName\n\n2200.0097 MiddleName\n\n2200.0096 LastName\n\n2200.0098 SuffixName\n\n04.012 Designation\n\n2400.0448 AppraiserDesignationType\n\n04.013\n\nCompany Name\n\n2400.0444 AppraiserCompanyName\n\n04.014\n\nCompany\nAddress\n\n2400.0439 AddressLineText\n\n2400.0440 CityName\n\n2400.0442 StateCode\n\n2400.0441 PostalCode\n\nAlways displays\n\nDisplay when provided\n\nAlways displays\n\nDisplay when provided\n\nDisplay when provided\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nPage 30\n\nAssignment Information: Contact Information – Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nDisplay Rules\n\nAlways displays\n\n04.015\n\nExterior\n\n04.016\n\nInterior\n\n2400.0289 PropertyExteriorInspectionMethodType\n\n2400.0290 PropertyInteriorInspectionMethodType\n\nAlways displays\n\nAlways displays\n\n04.017\n\nInspection Date\n\n2400.0288 InspectionDate\n\nDisplay when provided.\nWhen not provided, do not display report label.\n"} diff --git a/chunks/json/809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e.json b/chunks/json/809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e.json new file mode 100644 index 0000000000000000000000000000000000000000..ec801ae3afcbf379ea0475169535620abe604aa3 --- /dev/null +++ b/chunks/json/809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":400924,"char_start":399079,"chunk_id":"chk_4985eb6df800aacd","chunk_index":237,"chunk_sha256":"809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e","token_estimate":461,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 169 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n14 Subject Property Amenities\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n14.005 N/A\n\nRequired if Property\nAmenities Exist is Yes\n\nYes |No\n\n14.005 N/A\n\nDisplays when Subject\nProperty Amenities\nDefects Exist is Yes\n\nN/A\n\nDefinition / Additional Guidance\n\nSubject Property Amenities Defects Exist: Indicates whether there are apparent\ndefects, damages, or deficiencies related to any subject property amenity.\n•\n\nIf No, “None” displays and the Apparent Defects, Damages, Deficiencies\n(Subject Property Amenities) table does not display.\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n\nInformation About Each Defect, Damage, or Deficiency\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n14.006\n\nFeature\n\nRequired for each\ndefect, damage, or\ndeficiency\n\n14.007\n\nLocation\n\n14.008 Description\n\n14.009 Affects\n\nSoundness or\nStructural\nIntegrity\n\n14.010 Recommended\nAction\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Property\nAmenities and\nCategories)\n\nOther (Describe)\n\nDefinition / Additional Guidance\n\nThe Amenity Type that has the defect, damage, or deficiency.\n\nNote: Photos or images must be provided for each physical defect, damage, or\ndeficiency. These display in Subject Property Amenity Exhibits as “Apparent\nDefects, Damages, Deficiencies” with the indicated Feature. An additional\ncaption may be provided.\n"} diff --git a/chunks/json/80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf.json b/chunks/json/80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf.json new file mode 100644 index 0000000000000000000000000000000000000000..c3c1405b375ea8c50f53ff777f3b5857c0a1dfe3 --- /dev/null +++ b/chunks/json/80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15678,"char_start":13499,"chunk_id":"chk_99b7c075a6136ffd","chunk_index":8,"chunk_sha256":"80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf","token_estimate":545,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"2\n\nDetail\nPavers\n\nAttached\n400 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Commentary\n\nThe subject features an attached 2 car garage with electric garage door opener.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nPatio\n\nPorch\n\nMaterial\nPavers\n\nComposite\n\nDetail\n120 Sq. Ft.\n\n120 Sq. Ft.\nAttached to Manufactured Home\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nThe subject porch was site built at the time of installation and set-up. The dwelling was designed and constructed to accommodate the porch\nand garage. The patio is free standing and not attached to the dwelling.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ3\nQ3\nQ3\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC2\nC2\nC2\n\nReconciliation of Overall Quality and Condition\n\nThe overall quality and condition ratings are reflective of the interior and exterior quality and condition ratings.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 10 of 20\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nThe subject is legally permissible and physically possible under the current zoning, 1-5 MH Residential, which allows for manufactured and\nmodular homes on a minimum 12,000 square foot lot. Analysis indicates that the subject is in a market area of similar sized lots that are\nimproved with comparable manufactured and modular homes demonstrating market acceptance. Sales prices of vacant and improved\nproperties support the conclusion that the subject represents the highest and best use as improved. The property is outside the city limits and\nall types of single family homes are appropriate.\n"} diff --git a/chunks/json/80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c.json b/chunks/json/80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c.json new file mode 100644 index 0000000000000000000000000000000000000000..849367253c3d15e443e64454fd4834ab690b8946 --- /dev/null +++ b/chunks/json/80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16299,"char_start":9196,"chunk_id":"chk_9cac9cf2113976c7","chunk_index":6,"chunk_sha256":"80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d251c0ceb75125c8","text_sha256":"80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c","token_estimate":1076,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_Membership_Data___FHFA_zwmoff.md","exceeds_max_chunk_chars_truncated"]},"text":"Description Format FHLBank Membership as of September 30, 2025 [[XLSX]](/document/fhlb_members_q32025.xlsx) ​FHLBank Membership as of June 30, 2025 [[XLSX]](/document/fhlb_members_q22025.xlsx) ​FHLBank Membership as of March 31, 2025 [[XLSX]](/document/fhlb_members_q12025.xlsx) FHLBank Membership as of December 31, 2024 [[XLSX]](/document/fhlb_members_q42024.xlsx) FHLBank Membership as of September 30, 2024 [[XLSX]](/sites/default/files/2024-11/FHLB_Members_Q32024.xlsx) FHLBank Membership as of June 30, 2024 [[XLSX]](/sites/default/files/2024-08/FHLB_Members_Q22024.xlsx) ​​FHLBank Membership as of March 31, 2024 ​​[[XLSX]](/sites/default/files/2024-05/FHLB_Members_Q12024.xlsx)​ FHLBank Membership as of December 31, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q42023_Release.xlsx) FHLBank Membership as of September 30, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q32023_Release.xlsx) ​FHLBank Membership as of June 30, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22023_Release.xlsx) ​FHLBank Membership as of March 31, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12023_Release.xlsx) FHLBank Membership as of December 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42022_Release.xlsx) ​FHLBank Membership as of September 30, 2022 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32022_Release.xlsx) ​​FHLBank Membership as of June 30, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22022_Release.xlsx) ​​FHLBank Membership as of March 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12022_Release.xlsx) FHLBank Membership as of December 31, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42021_Release.xlsx) FHLBank Membership as of September 30, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32021_Release.xlsx) ​FHLBank Membership as of June 30, 2021 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22021_Release.xlsx) FHLBank Membership as of March 31, 2021 [​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12021_Release.xlsx) FHLBank Membership as of December 31, 2020 [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42020_Release.xlsx) FHLBank Membership as of September 30, 2020 ​​​​ [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32020.xlsx) ​FHLBank Membership as of June 30, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22020.xlsx) ​FHLBank Membership as of March 31, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12020.xlsx) ​FHLBank Membership as of December 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q42019_Release.xlsx) FHLBank Membership as of September 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q32019.xlsx) ​FHLBank Membership as of June 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22019_Release.xlsx) FHLBank Membership as of March 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12019.xlsx) ​FHLBank Membership as of December 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_12312018.xlsx) FHLBank Membership as of September 30, 2018 [[XLSX]](/sites/default/files/2023-10/FHLB-Members-09302018.xlsx) FHLBank Membership as of June 30, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22018_Release.xlsx) ​FHLBank Membership as of March 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12018_Release.xlsx) FHLBank Membership as of December 31, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42017_Release.xlsx) ​FHLBank Membership as of September 30, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32017_Release.xlsx) ​FHLBank Membership as of June 30, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22017_Release.xls) ​FHLBank Membership as of March 31, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12017_Release.xls) ​FHLBank Membership as of December 31, 2016 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42016_Release.xlsx) FHLBank Membership as of Sept\n"} diff --git a/chunks/json/80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966.json b/chunks/json/80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966.json new file mode 100644 index 0000000000000000000000000000000000000000..753a70183bc5169de8b4c1b3c6c3d8de8ca0675c --- /dev/null +++ b/chunks/json/80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17577,"char_start":15715,"chunk_id":"chk_b7581844a587e064","chunk_index":11,"chunk_sha256":"80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966","token_estimate":466,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"“RecordingFeeForDeed | Recording FeeForMortgage” and UID 8.197 – FeeType =\n“RecordingFeeTotal”).\n\nCorrection\n\n2. The GSEs are clarifying what value is expected for RecordingFeeTotal in CEM Sort ID 45 (UID\n\n8.193-FeeActualPaymentAmount). CFPB’s Integrated Disclosure regulation states that the amount\nfor RecordingFeeTotal should be the sum of the amounts for ALL recording fees that are part of\nthe transaction. Consequently, we are removing previous guidance (shown in strike-through below)\nthat the value be the sum of only the FeeActualTotalAmounts for RecordingFeeforDeed and\nRecordingFeeforMortgage. Additionally, the critical edits corresponding with this change have\nbeen withdrawn.\n\nIf there are recording fees in addition to RecordingFeeForMortgage and RecordingFeeforDeed,\nthose fees should be included in the RecordingFeeTotal. The additional recording fees may be\nitemized and included by the lender under CD Section E. Taxes and Other Government Fees as\nwell as in the UCD file. However, the GSEs will not be enforcing the additional recording fee data\nor validating sums via critical edits.\n\nThe GSEs are clarifying that the value expected for RecordingFeeTotal in CEM Sort ID 45\n(UID 8.193- FeeActualPaymentAmount) is the sum of the UID 8.206 | 8.195-\nFeeTotalPaymentAmount values for when FeeType=”RecordingFeeForDeed” |\n“RecordingFeeForMortgage” only.\n\n3. Only one row in CEM is changing. The additional tax-related enumerations have been added to\nCEM Sort ID 46. All the critical edits associated with what are currently labeled “Transfer Taxes”\n(CEM Sort IDs 46-50) will apply to FeeTypes with these new enumerations—including new\nFeeTypes values for Recording Fees and any other non-transfer taxes. The new enumerations will\nalso be added to UID 8.196-FeeType, currently designated for “Transfer Taxes” and associated\nwith CD Field IDs 8.3.n.\n"} diff --git a/chunks/json/80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e.json b/chunks/json/80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e.json new file mode 100644 index 0000000000000000000000000000000000000000..e8647761c94f5c5a865a69f97eae8b1e56c8a51a --- /dev/null +++ b/chunks/json/80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10129,"char_start":8607,"chunk_id":"chk_59a280ff197bc812","chunk_index":5,"chunk_sha256":"80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.md"]},"text":"## Breadcrumb\n\n- [Home](/)\n - [News](/news)\n - News Releases\n\n- [News Releases](/news/news-release)\n - [Speeches](/news/speech)\n - [Statements](/news/statement)\n - [Testimonies](/news/testimony)\n - [Fact Sheets](/news/fact-sheet)\n\n#### Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n- News Release\n\nJanuary 27, 2026\n\n## [FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year)\n\nWashington, D.C. – U.S. house prices rose 0.6 percent in November, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.9 percent from November 2024 to November 2025. The previously reported 0.4 percent price change in October...\n - News Release\n\nJanuary 23, 2026\n\n## [U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit)\n\nWashington, D.C. – U.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the...\n - News Release\n\nDecember 30, 2025\n"} diff --git a/chunks/json/80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6.json b/chunks/json/80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6.json new file mode 100644 index 0000000000000000000000000000000000000000..48a5325bf86519e482195d22479f7ac7cf55646b --- /dev/null +++ b/chunks/json/80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":114991,"char_start":113379,"chunk_id":"chk_1965585ca612915e","chunk_index":64,"chunk_sha256":"80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When an appraiser trainee (licensed or unlicensed) has the requisite knowledge and develops the opinion of value, they must:\n\nsign the appraiser certification as the appraiser accepting responsibility for all elements of the report,\nindicate whether they did or did not personally inspect the subject property, and\n\n•\n•\n• have a supervisory appraiser review their work and sign the supervisory appraiser certifications as acceptable under\n\nstate law.\n\nWhen an appraiser trainee (licensed or unlicensed) provides significant real property appraisal assistance but does not develop\nthe opinion of value, they must:\n\n• work under the supervision of a state-licensed or state-certified appraiser as an employee or sub-contractor;\n• be named in the appraiser certification, and the signing appraiser must certify that the individual named is qualified to\n\nperform the assistance;\nnot sign the appraiser certification; and\nbe acceptable under state law.\n\n•\n•\n\nIf the jurisdiction does not provide credential numbers for appraiser trainees, the Credential Type selected in the appraisal report\nshould be “None.”\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 48 of 166\n\nUAD 3.6 Policy\n\nKnowledge and Experience\n\nLenders must use appraisers that\n\n• have the requisite knowledge required to perform a professional quality appraisal for the specific geographic location\n\nand particular property type; and\n\n• have the requisite knowledge about, and access to, all necessary and appropriate local data sources for the subject\n\nproperty's geographic area, including multiple listing service(s) and government records.\n"} diff --git a/chunks/json/80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807.json b/chunks/json/80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807.json new file mode 100644 index 0000000000000000000000000000000000000000..3fabd911268b51838b67cdca8b6a7dccc51da09c --- /dev/null +++ b/chunks/json/80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807.json @@ -0,0 +1 @@ +{"chunk":{"char_end":66171,"char_start":64319,"chunk_id":"chk_5fee0ba4371771ef","chunk_index":42,"chunk_sha256":"80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807","token_estimate":463,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"The value for “M. Other Credits” in the DU Spec has been split into two data points: PurchaseCreditType\nand ClosingAdjustmentItemType. The respective amounts for these data points shall be provided under\nPurchaseCreditAmount and ClosingAdjustmentItemAmount. DU will add these amounts as it does in the\ncase of other total amounts.\n\nThere are instances in the DU Spec when multiple data points are used to represent a single value. This\nis the case when MISMO does not have one data point that includes all different types of values, i.e.\nOther Credits.\n\nHomeownership Education and Housing Counseling\n\nThis section was removed from the redesigned URLA form and included on the Supplemental Consumer\nInformation Form and is in the DU Spec as section Homeownership Education and Housing Counseling.\nFHA loans require the counseling type indicators and based on the response provided, the name of the\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n30\n\nthe housing\ncounseling agency,\ncounseling/education program. Conventional loans conditionally require counseling type indicators. The\ndata points for this section are currently optional for VA loans.\n\nthe borrower’s name, and\n\nthe completion of\n\nthe date of\n\nImplementing ArcRoles in the XML file\nArcRoles are required when a relationship within the XML file is not established through\ncontainment. ArcRoles allow for relationships between containers in different areas of the XML\nfile. These relationships can be established by following the list of available ArcRoles in the\ncorresponding ArcRole tab of the DU Spec. Other relationships not included in the DU Spec will\nbe ignored by DU or may even result in a transaction error. For more information on the\nnotation or a step-by-step explanation on how to build an ArcRole, please refer to the following\njoint GSE publication:\n"} diff --git a/chunks/json/80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e.json b/chunks/json/80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e.json new file mode 100644 index 0000000000000000000000000000000000000000..46e8e363924912c388b11371e12d3ba864f446cd --- /dev/null +++ b/chunks/json/80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":147263,"char_start":145622,"chunk_id":"chk_2642b6035424ce62","chunk_index":86,"chunk_sha256":"80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Attic Feature Exists\nIndicator\n\nIndicates if the feature specified in\nAttic Feature Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/ATTIC_FEATURE[@_Type\n='Heated']/@_ExistsIndicator\n\nHeating Type\n\nSpecifies the type of heating.\n\nHeating Type\n\nSpecifies the type of heating.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/HEATING[@_Type='ForcedWarmAi\nr']\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/HEATING[@_Type='HotWaterBaseb\noard']\n\n1\n\n1\n\n1\n\n1\n\n1\n\nBoolean\n\nA value of 'Y' indicates that stairs exist, a value of 'N' indicates that the box\nhas not been checked.\n\nBoolean\n\nA value of 'Y' indicates that floors exist, a value of 'N' indicates that the box\nhas not been checked.\n\nBoolean\n\nA value of 'Y' indicates that a scuttle exists, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that the attic is finished, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that the attic is heated, a value of 'N' indicates that the\nbox has not been checked.\n\n17\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating data point should be provided for each box that is checked.\n\n17\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating data point should be provided for each box that is checked.\n\nHeating Type\n\nSpecifies the type of heating.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/HEATING[@_Type='Radiant']\n\n17\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating data point should be provided for each box that is checked.\n"} diff --git a/chunks/json/811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8.json b/chunks/json/811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8.json new file mode 100644 index 0000000000000000000000000000000000000000..413b781fccf76c367d1bc67fcdc1099b329caf19 --- /dev/null +++ b/chunks/json/811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3678,"char_start":1934,"chunk_id":"chk_fbcf624dcd668822","chunk_index":1,"chunk_sha256":"811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8","token_estimate":436,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"Fannie Mae will initially update the beneficiary address information for existing wiring\ninstructions based on wiring instruction Receiver Type in Loan Delivery using the following\nmethodology:\n\n•\n\n•\n\n•\n\nIf the Receiver Type is set to “Seller”, Fannie Mae will use the address provided on\nthe Lender Record Information (Form 582)\nIf the Receiver Type is set to “Warehouse Lender”, Fannie Mae will use the address\nprovided at the time of the warehouse lender’s registration (or the address most\nrecently provided to Fannie Mae by the warehouse lender that is reflected in Fannie\nMae’s systems)\nIf the Receiver Type is set to “Disbursement Agent”, Fannie Mae will use the address\nprovided at the time of the disbursement agent’s registration (or the address most\n\n© 2023 Fannie Mae Page 1 of 6\n\nEffective\nDate\n\nImpacted Area\n\nDescription\n\nrecently provided to Fannie Mae by the disbursement agent that is reflected in\nFannie Mae’s systems)\nIf a Seller would like to update the beneficiary address, the updated Form 482 will\nneed to be submitted after March 3, 2025\n\n•\n\nIn accordance with ISO 20022, the beneficiary address will be on the wire details provided to\nthe beneficiary bank.\n\nEffective March 10, beneficiary address information is required on all cash wiring instructions.\nCash wires may be rejected if the beneficiary address information is missing.\n\nAdditionally, pursuant to ISO 20022, the Beneficiary Bank Instructions (Financial Institution\nto Financial Institution Information - Tag 6500) will no longer be available on the wire details\nprovided to the beneficiary bank. Fannie Mae will be appending the existing Beneficiary Bank\nInstructions into the Beneficiary Message (Originator to Beneficiary Information – Tag 6000)\nfield.\n"} diff --git a/chunks/json/812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87.json b/chunks/json/812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87.json new file mode 100644 index 0000000000000000000000000000000000000000..465680b2bea2e22e49b66d27fb1119b39e619826 --- /dev/null +++ b/chunks/json/812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87.json @@ -0,0 +1 @@ +{"chunk":{"char_end":549480,"char_start":547874,"chunk_id":"chk_c3a03bddadd0a1e2","chunk_index":326,"chunk_sha256":"812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Indicates whether there are other properties above and / or below the\nrowhouse / townhouse.\n•\n•\n\nYes (e.g., piggyback or stacked)\nNo (“No Units Above/Below” displays for Townhouse Location)\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nguidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nDwelling Exterior, for\neach dwelling\n•\n\nTownhouse\nLocation 8.009\n\nDwelling Exterior, for\neach dwelling\n•\n\nConstruction\nMethod 8.011\n\nYes\n22.05.34\n\nYes\n22.05.36\n\nThe location of the rowhouse / townhouse when there are other\nproperties above or below.\n•\nTop Unit\n• Middle Unit\n•\nBottom Unit\n\n•\nContainer\n• Manufactured\n• Modular\n•\n•\n•\n•\n\nOn-Frame Modular\nSite Built\n3D Technology\nOther (Describe)\n\n22.05.10\n22.05.37\n\nManufactured\nHome Width\n\nIf relevant\n\nRequired if the\ncomparable is a\nmanufactured home,\nand the row is\nincluded in the sales\ncomparison grid\n\nSingle Wide or\nMulti Wide\n\nManufactured Home,\nfor each dwelling that is\na manufactured home\n• Manufactured\n\nHome Width 9.005\n\nNote: If the subject or any comparables are manufactured homes, this\nrow must be included in the sales comparison grid.\n\nIf there are multiple dwellings, or multiple Construction Methods for a\ndwelling, all display in the same row.\n\nYes\n22.05.38\n\nIf there are multiple dwellings that are manufactured homes,\nManufactured Home Width displays for each of them in the same row.\n\nAppendix F-1: URAR Reference Guide\n\nPage 240 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.05.11\n22.05.39\n\nReport Label\n\nWhen Row\nDisplays\n"} diff --git a/chunks/json/8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c.json b/chunks/json/8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c.json new file mode 100644 index 0000000000000000000000000000000000000000..a3a4f2ee80fc23901562cb7b922bfe295ed8df20 --- /dev/null +++ b/chunks/json/8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9994,"char_start":8214,"chunk_id":"chk_946a422699be4a23","chunk_index":5,"chunk_sha256":"8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c","token_estimate":445,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Recommended\nAction\n\nSite Valuation Methodology\n\nOpinion of Site Value\n\nPrimary Site Valuation Method\n\n#\n\nAddress\n\nCounty\n\nData Source\n\nAssessor Parcel\nNumber (APN)\n\nSite Size\n\nSale Date\n\nPrice\n\nReconciliation of Site Value\n\nSite Commentary\n\nSite Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nDisaster Mitigation\n\nMitigation Feature\n\nDisaster Mitigation Commentary\n\nDisaster Mitigation Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nEnergy Efficient and Green Features\n\nKnown Renewable Energy Components\n\nRenewable Energy Component\n\nOwnership\n\nFinancing Arrangement\n\nKnown Building Certifications\n\nBuilding Certification Organization\n\nCertification\n\nYear\n\nVersion\n\nRating\n\nKnown Efficiency Ratings\n\nGreen/Energy Efficiency Rating\nOrganization\n\nRating\n\nScore\n\nCheck #A\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nDescription\n\nEnergy Efficient and Green Features Commentary\n\nEnergy Efficient and Green Features Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSketch\n\nSketch or Floor Plan Not Available\n\nMeasurement Standard\n\nSketch Commentary\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05.json b/chunks/json/817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05.json new file mode 100644 index 0000000000000000000000000000000000000000..268a9bea96b0ff9ff14c47be64cad041d53d0eda --- /dev/null +++ b/chunks/json/817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05.json @@ -0,0 +1 @@ +{"chunk":{"char_end":980142,"char_start":978536,"chunk_id":"chk_70cb0fc6ad2dd487","chunk_index":584,"chunk_sha256":"817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n"} diff --git a/chunks/json/818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c.json b/chunks/json/818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c.json new file mode 100644 index 0000000000000000000000000000000000000000..1edf2e33d5801cf8a532f15c6e674dc19cb32334 --- /dev/null +++ b/chunks/json/818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":84985,"char_start":83380,"chunk_id":"chk_1ee9a57431ebd0a8","chunk_index":47,"chunk_sha256":"818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\n•\n\nthe borrower’s most recent year of signed federal income\ntax returns, including Schedule 1 and Schedule E, or\ncopies of the current lease agreement(s) if the borrower can\ndocument a qualifying exception (see Reconciling Partial or\nNo Rental History on Tax Returns below).\n\nNo\n\nPurchase\n\nRental Information section of the URAR1 and copies of the current\nlease agreement(s) if transferred to the borrower.\n\nIf the property is not currently rented or if the existing lease is not\nbeing transferred to the borrower, then lease agreements are not\nrequired and the URAR with the completed Rental Information\nsection1 may be used.\n\nIf there is a lease on the property that is being transferred to the\nborrower, see Selling Guide B2-1.5-03, Legal Requirements and Selling\nGuide B7-2-05, Title Exceptions and Impediments, for additional\ninformation.\n\nNo\n\nRefinance\n\nURAR with completed Rental Information section1 and copies of the\ncurrent lease agreement(s).\n\n1See General Requirements for Documenting Rental Income (Subject and Non-Subject Property) for the exception to use Single-Family Comparable Rent Schedule\n(Form 1007).\n\nNote: All references in this table to lease agreements and the URAR or Form 1007 must comply with the requirements in Lease\nAgreements or the Uniform Residential Appraisal Report below.\n\nIf the borrower is not using any rental income from the subject property to qualify, the gross monthly rent must still be\ndocumented for lender reporting purposes. See Reporting of Gross Monthly Rent below for details.\n\nDocumenting Rental Income from Property Other Than the Subject Property\n"} diff --git a/chunks/json/819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53.json b/chunks/json/819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53.json new file mode 100644 index 0000000000000000000000000000000000000000..004a62542c7a6bd4f8613c210f1f32db2c824cd0 --- /dev/null +++ b/chunks/json/819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26347,"char_start":24693,"chunk_id":"chk_6183cf5a314383b7","chunk_index":15,"chunk_sha256":"819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"3 to 6 months\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nFSBO\n\nListing ID\n\nStart Date\n\nEnd Date\n\nDOM\n0\n\nStarting\nList Price\n\nCurrent or\nFinal List Price\n$160,000\n\nTotal DOM 0\n\nAnalysis of Subject Property Listing History The subject was not listed on the open market. This is a private sale between investors. The\nappraiser is unaware of any other listings or agreements for sale.\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$160,000\n08/25/2019\nPrivate Sale\nNo\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nThis is a FSBO. This transaction is between investors with a contract price below market value.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 14 of 29\nPage 14 of 29\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nNone\nAssessor Record\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property My research revealed no prior transactions within the past 3 years.\n"} diff --git a/chunks/json/81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7.json b/chunks/json/81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7.json new file mode 100644 index 0000000000000000000000000000000000000000..d1be790e05ab208c2612290e790ad203589a8c30 --- /dev/null +++ b/chunks/json/81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3469,"char_start":1712,"chunk_id":"chk_68288398c0c28af1","chunk_index":1,"chunk_sha256":"81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1cbc3effda89da20","text_sha256":"81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7","token_estimate":439,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2018.pdf"]},"text":"Number of Borrowers\nFirst Time Home Buyer\n1=yes;\n2=no\n\nPage 1 of 5\n\nColumn\n\n29 CICA\n\n30 BoRace\n\n31 CoRace\n\n32 BoSex\n\n33 CoSex\n\n34 BoAge\n\n35 CoAge\n\n36 Occup\n\n37 NumUnits\n38 Bed1\n\n39 Bed2\n\n40 Bed3\n\n41 Bed4\n\n42 Aff1\n\n43 Aff2\n\n44 Aff3\n\nAMA_PUDB_definitions_2018.xlsx\n\nDefinition\nCode indicating whether the mortgage is on a project funded under an AHP, CIP or other\nCICA program.\n1=AHP;\n2=CIP;\n3=Other CICA\n9=Not Applicable; Not Purchased under AHP, CIP, or CICA\n\nBorrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application\nCo-borrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application;\n8=No Co-Borrower\nBorrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application\n\nCo-Borrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application;\n4=No Co-Borrower\n\nAge of Borrower in years\n99=Not provided by applicant in mail or telephone application\nAge of Co-Borrower in years\n98=No Co-Borrower;\n99=Not provided by applicant in mail or telephone application\nOccupancy Code\n1=Principal residence/owner-occupied;\n2=second home;\n3=investment property (rental)\nNumber of Units\nUnit1--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit2--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit3--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit4--Number of Bedrooms\n98=no non-owner-occupied dwelling units\n"} diff --git a/chunks/json/81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00.json b/chunks/json/81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00.json new file mode 100644 index 0000000000000000000000000000000000000000..02c8d07838873bfbb6bcdadb8c8430bcad18ba63 --- /dev/null +++ b/chunks/json/81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00.json @@ -0,0 +1 @@ +{"chunk":{"char_end":661486,"char_start":659889,"chunk_id":"chk_c01f16f55fc25611","chunk_index":391,"chunk_sha256":"81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms\nvendor software.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nThis field may not exist in all forms\nvendor software.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nCR\n\nCR\n\nCR\n\nT\n\nR\n\nR\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\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n"} diff --git a/chunks/json/81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59.json b/chunks/json/81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59.json new file mode 100644 index 0000000000000000000000000000000000000000..131fd08a5e43ae47d242949f123ce32eefcbcbc5 --- /dev/null +++ b/chunks/json/81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1001913,"char_start":1000315,"chunk_id":"chk_927f89a15238004e","chunk_index":597,"chunk_sha256":"81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-38, 6-39,\n(Appraisal Inspection Property Type =\n'Subject' and values of Appraisal Inspection\nType) should be indicated.\n\nIf field 6-39 (Appraisal Inspection Property\nType = 'Subject' and Appraisal Inspection\nType = 'ExteriorOnly') is indicated this field\nshould be populated.\n\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-41, 6-42\n(Appraisal Inspection Property Type =\n'Comparable' and values of Appraisal\nInspection Type) should be indicated.\n\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-41, 6-42\n(Appraisal Inspection Property Type =\n'Comparable' and values of Appraisal\nInspection Type) should be indicated.\n\nThis field should be populated if field 6-44\n(Appraisal Inspection Property Type =\n'Comparable' and Appraisal Inspection Typ=\n'ExteriorOnly') is indicated.\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• USPS two-letter state or territory representation\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nEnumerated\n\nEnumerated\n\nDate/Time\n\nEnumerated\n\nEnumerated\n\nDate/Time\n\nString\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nData Format:\nyyyy-mm-dd\n"} diff --git a/chunks/json/81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde.json b/chunks/json/81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde.json new file mode 100644 index 0000000000000000000000000000000000000000..f74a0c346608939287833b83468a72831d79a10a --- /dev/null +++ b/chunks/json/81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde.json @@ -0,0 +1 @@ +{"chunk":{"char_end":573463,"char_start":571861,"chunk_id":"chk_bf8a0c3007e3623e","chunk_index":338,"chunk_sha256":"81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nBdrms.\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_ADJUST\nMENT/@TotalBedroomCount\n\n357\n\n3\n\n35\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nBaths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_ADJUST\nMENT/@TotalBathroomCount\n\n358\n\n3\n\n36\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nGross Living Area sq. ft.\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='GrossLivingArea']/@_Description\n\n359\n\n3\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\n(Basement Area)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n\nThe total area of property improvements\nbelow grade.\n\nBasement & Finished\n(line 1)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeTotalSquareFeetNumber\n\n2\n\n2\n\n2\n\n5\n\n6\n\n5\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nEnumerated\n"} diff --git a/chunks/json/81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49.json b/chunks/json/81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49.json new file mode 100644 index 0000000000000000000000000000000000000000..2a1fdb1d3b7a23cf4413363b2e8d219ba1c8013f --- /dev/null +++ b/chunks/json/81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49.json @@ -0,0 +1 @@ +{"chunk":{"char_end":478938,"char_start":477789,"chunk_id":"chk_452afe9f941605ec","chunk_index":272,"chunk_sha256":"81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Contact Information\n\n23.0\n\nLender 23.0.1\n\nMortgage Broker\n23.0.2\n\nReal Estate Broker\n(B) 23.0.3\n\nReal Estate Broker\n(S) 23.0.4\n\nSettlement Agent\n23.0.5\n\n23.1 Name\n\n23.1.1 Ficus Bank\n\n23.1.2 Beta Brokerage\nServices\n\n23.1.3 Omega Real\nEstate Broker, Inc.\n\n23.1.4 Alpha Real\nEstate Broker, Inc.\n\n23.1.5 Epsilon Title\nCo.\n\n23.2 Address\n\n23.2.1\n4321 Random Blvd.\nSomecity, ST 12340\n\n23.2.2\n222 Midtown Circle\nSometown, ST, 12343\n\n23.2.3\n789 Local Lane\nSometown, ST 12345\n\n23.2.4\n987 Suburb Ct.\nSomeplace, ST 12340\n\n23.2.5\n123 Commerce Pl.\nSomecity, ST 12344\n\n23.3 NMLS ID\n\n23.3.1 111111\n\n23.3.2 22222\n\n23.3.3\n\n23.3.4\n\n23.3.5\n\n23.4 State Code +\n\n23.4.1\n\n23.4.2\n\n23.4.3\n\n23.4.4\n\n23.4.5\n\nLicense ID\n\n23.5 Contact\n\n23.5.1 Joe Smith\n\n23.5.2 Linda Jones\n\n23.5.3 Samuel Green\n\n23.5.4 Joseph Cain\n\n23.5.5 Sarah Arnold\n\n23.6 Contact NMLS ID\n\n23.6.1 123456\n\n23.6.2 889977\n\n23.6.3\n\n23.6.4\n\n23.6.5\n\n23.7 Contact State\n\n23.7.1\n\n23.7.2\n\n23.7.3\n\n23.7.4\n\n23.7.5\n\nCode+ License ID\n\n23.8 Email\n\n23.9 Phone\n\n23.8.1 joe_smith@\nficusbank.com\n\n23.8.2 ljones@\nbetabroker.com\n\n23.8.3 sam@\nomegare.biz\n\n23.8.4 joe@\nalphare.biz\n\n23.8.5 sarah@\nepsilontitle.com\n\n23.9.1 123-456-7890\n"} diff --git a/chunks/json/81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099.json b/chunks/json/81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099.json new file mode 100644 index 0000000000000000000000000000000000000000..558799952c5b2eaed32536a89f46bfdf7d4f401c --- /dev/null +++ b/chunks/json/81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099.json @@ -0,0 +1 @@ +{"chunk":{"char_end":597659,"char_start":595911,"chunk_id":"chk_a0f13a4e7cf355f6","chunk_index":355,"chunk_sha256":"81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099","token_estimate":437,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"No\n\nNo\n\nNo\n\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n\nNote: For the subject property, reflects the condition as if any required\nrepairs, inspections, or completions have been satisfactorily completed.\n\n•\n•\n•\n\nFully Updated\nPartially Updated\nNot Updated\n\nBased on the appraiser’s analysis and determination considering the\noverall level of updating, the update status of all bathroom(s) in the ADU\nin aggregate.\n•\nFully Updated\n•\nSignificantly Updated\n• Moderately Updated\n•\nNot Updated\n\nBased on the appraiser’s analysis and determination considering the\noverall level of updating, the update status of all flooring in the ADU in\naggregate.\n•\nFully Updated\n•\nSignificantly Updated\n• Moderately Updated\n•\nNot Updated\n\nNo\n\nWalls and Ceiling Condition Summary: A short description summarizing\nthe overall condition of the walls and ceilings in the ADU.\n\nAppendix F-1: URAR Reference Guide\n\nPage 261 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.10.15\n22.10.28\n\nReport Label\n\n[Other Interior\nFeature]\n22.10.14\nOther Interior\nFeature\nDescription\n10.044\npopulates\nfrom Unit\nInterior\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: ADU Interior Quality and Condition\n\nIf relevant, for\neach\nadditional\nfeature\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nUnit Interior\n•\n\nInterior Feature\nOther Description\n10.044 (Report\nLabel)\n\nOther Interior Feature\nCondition Summary\n22.10.15 does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n"} diff --git a/chunks/json/8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f.json b/chunks/json/8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f.json new file mode 100644 index 0000000000000000000000000000000000000000..fa02106a21172cbcfd2fe1e7ad101bf7f72a6221 --- /dev/null +++ b/chunks/json/8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13217,"char_start":11584,"chunk_id":"chk_9316595610912509","chunk_index":7,"chunk_sha256":"8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f","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":"Foundation appears\nsound with typical hairline\nsettlement cracks\n\nNo apparent signs of damage\nor leaks\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nElectric\n\nCore Heating System Below Grade\n\nYes No\n \n\nOther Mechanical Systems\n\nWhole House Water Treatment\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nThe exterior was recently painted, and new windows, doors, and shutters were installed. The roof was replaced within the past 5 years.\n\nUnit Interior - Primary Dwelling\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n3,304 Sq. Ft.\n0 Sq. Ft.\n1,344 Sq. Ft.\n616 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nADU\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nBelow Grade\nInterior and Exterior Access\nWalk Out\n\nLevel 1\n\nAbove Grade\n\nYes No\n \n\nFinish\nFinished\n\nUnfinished\n\nFinished\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n3\nVacant\nNo\n5\n3\n1\n\nArea\n1,344 Sq. Ft.\n\n616 Sq. Ft.\n\n1,960 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Den\n1 - Family Room\n\n1 - Bath - Half\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Living Room\n\n2 - Bath - Full\n4 - Bedroom\n\nLevel 2\n\nAbove Grade\n\nFinished\n\n1,344 Sq. Ft.\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n"} diff --git a/chunks/json/8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9.json b/chunks/json/8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9.json new file mode 100644 index 0000000000000000000000000000000000000000..7c564dba4e7cc495271e065901c0b51f522ee134 --- /dev/null +++ b/chunks/json/8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13805,"char_start":12088,"chunk_id":"chk_eb38e7eabda5a347","chunk_index":7,"chunk_sha256":"8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7609e8234ff6311f","text_sha256":"8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Speeches___FHFA_s62p86.md"]},"text":"Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FHFA Virtual Listening Session: \"Closing the Gap to Sustainable Homeownership\" Tuesday, June 29, 2021 I am honored by the President's appointment and I am really looking forward to leading FHFA...\n - Speech\n\nOctober 19, 2020\n\n## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Mortgage Bankers Association - 2020 Convention and Expo](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-mortgage-bankers-association-2020)\n\nPublic Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency MORTGAGE BANKERS ASSOCIATION 2020 ANNUAL CONVENTION AND EXPO MONDAY, OCTOBER 19, 2020 VIRTUAL Thank you, Susan [Stewart], for that introduction and for inviting me to speak today. I want to thank...\n - Speech\n\nSeptember 25, 2020\n\n## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-financial-stability-oversight-council)\n\nPublic Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING FRIDAY, SEPTEMBER 25, 2020 Thank you, Mr. Chairman. I commend the Council for this important statement today acknowledging for the first time...\n - Speech\n\nMarch 26, 2020\n\n## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-financial-stability-oversight-council-0)\n"} diff --git a/chunks/json/822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b.json b/chunks/json/822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b.json new file mode 100644 index 0000000000000000000000000000000000000000..404025349909d053124219297867bea87c6eb710 --- /dev/null +++ b/chunks/json/822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":212330,"char_start":211253,"chunk_id":"chk_0f148aa25e20c38b","chunk_index":119,"chunk_sha256":"822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 91 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 68. XML File Fee Line Items as Rendered on CD.\n\nLoan Costs\n\n7.0\n\nBorrower-Paid\n\nSeller-Paid\n\nPaid by Others\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\n7.1 A. Origination Charges\n\n7.1.1\n\n7.2.1 1.0 % of Loan Amount 7.2 (Points)\n\n7.2.2 $2,110.00 7.2.3\n\n7.2.4\n\n7.2.5\n\n7.2.6\n\nApplication Fee\n\n$500.00\n\n7.4 B. Services Borrower Did Not Shop For\n\n7.4.1\n\n7.5 Appraisal Fee 7.5.1 to John Smith Appraisers\n\n7.5.2\n\n7.5.3\n\n7.5.4\n\n7.5.5\n\n7.5.6 $705.00 (L)\n\n7.6 C. Services Borrower Did Shop For\n\n7.6.1\n\n7.7 Pest Inspection Fee 7.7.1 to Pests Co.\n\n7.7.2 $200.00 7.7.3\n\n7.7.4\n\n7.7.5\n\n7.7.6\n\nOther Costs\n\n8.0\n\n8.1 E. Taxes and Other Government Fees\n\n8.1.1\n\n8.2 Recording Fees Deed: 8.2.1 $40.00 Mortgage: $45.00 8.2.2 $85.00\n\n8.2.3\n\n8.3 Transfer taxes to 8.3.1 Any State\n\n8.3.2\n\n8.3.3\n\n8.2.3\n\n8.3.3\n\n8.2.4 $100.00\n\n8.2.5\n\n8.3.4 $1,440.00 8.3.5\n\n8.16 H. Other\n\n8.16.1\n\n8.17 HomeownersAssociationSpecialAssessment\n8.17.1 to HOA Acres, Inc.\n\n8.17.2 $500.00 8.17.3\n"} diff --git a/chunks/json/822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a.json b/chunks/json/822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a.json new file mode 100644 index 0000000000000000000000000000000000000000..2a26b64685cf4795d4b4dcc738f789f61058c2ff --- /dev/null +++ b/chunks/json/822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":385945,"char_start":384325,"chunk_id":"chk_533f379da4e915ad","chunk_index":228,"chunk_sha256":"822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"industry, or\n\n• Negatively affect the integrity / composition of the site itself, or\n• Negatively affect the soundness or structural integrity of the improvements to the site, or\n• Measurably impact the marketability or value of the property, or\n• Require completion\n\nAppendix F-1: URAR Reference Guide\n\nPage 163 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n13 Vehicle Storage\n\nExample:\n\nAny other items that do not require repair, replacement, inspection, or completion may also be reported using\nthe Recommended Action of None.\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n13.004 N/A\n\nAlways required\n\nYes |No\n\n13.004 N/A\n\nDisplays when Vehicle\nStorage Defects Exist is\nYes\n\nN/A\n\nDefinition / Additional Guidance\n\nVehicle Storage Defects Exist: Indicates whether there are apparent defects,\ndamages, or deficiencies related to the Vehicle Storage section.\n•\n\nIf No, “None” displays and the Apparent Defects, Damages, Deficiencies\n(Vehicle Storage) table does not display.\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n\nInformation About Each Defect, Damage, or Deficiency\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n13.005\n\nFeature\n\nRequired for each\ndefect, damage, or\ndeficiency\n\n13.006\n\nLocation\n\n13.007 Description\n\n13.008 Affects\n\nSoundness or\nStructural\nIntegrity\n\nRequired for each\ndefect, damage, or\ndeficiency\n"} diff --git a/chunks/json/82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5.json b/chunks/json/82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5.json new file mode 100644 index 0000000000000000000000000000000000000000..953320f9e60d8bc1e0024c79edcfcd2101e4a5e1 --- /dev/null +++ b/chunks/json/82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17588,"char_start":16228,"chunk_id":"chk_6b507c829b7192bc","chunk_index":10,"chunk_sha256":"82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"Time: 12:30-4:00 PM\n\n​[Day 1 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-1)​\n\n​[Day 2 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-2)​\n\n​[Day 3 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-3)​\n\nVisit the [Wrap-Up Listening Session Event page](/programs/fhlbank-system-at-100-wrap-up-listening-session-march-22-24-2023)****for more information**.**\n\n## **FHLBank System ​at 100: Focusing on the Future Roundtables​​**\n\nSee the [FHLBank System at 100 webpage](/programs/fhlbank-system-at-100-wrap-up-listening-session-march-22-24-2023) for more information about roundtables.\n\n## **2022**\n\n## **December 2022**\n\n## **FHLBank System at 100: Focusing on the Future Roundtables​​**\n\nSee the [FHLBank System at 100 webpage](/programs/fhlbank-system-at-100-focusing-on-the-future) for more information about roundtables.\n\n---\n\n## **November 2022**\n\n## **​FHFA Fall Econ Summit​​**\n\nDate: 11/1/2022\n\nTime: 9:00 AM - 12:45 PM\n\nLocation: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219​\n\nTopic: Climate Stress Testing and The Effect of Climate Change on Vulnerable Communities\n\n[Agenda](/media/33861)​\n"} diff --git a/chunks/json/823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d.json b/chunks/json/823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d.json new file mode 100644 index 0000000000000000000000000000000000000000..e7105172be4016200532484c83bf41e1924ae961 --- /dev/null +++ b/chunks/json/823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":494712,"char_start":493095,"chunk_id":"chk_74c3540dba6c2c8f","chunk_index":293,"chunk_sha256":"823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nDefinition / Additional Guidance\n\nDeed Transfer Only\n\nA non-sale deed transfer or recordation (e.g., quitclaim deed).\n\nOwnership Transfer Type (Choose one for each Sale or Transfer)\n\nSale\n\nA sale transaction.\n\nAllowable Answer\n\nCourt Ordered Non-\nForeclosure Sale\n\nPrior Sale Type (Choose one for each Sale)\n\nDefinition / Additional Guidance\n\nA sale in which a judge has ordered the sale of the property for purposes other than foreclosure or estate resolution.\n\nEstate Sale\n\nA sale as a result of disposition of assets from an estate.\n\nForeclosure Sale\n\nA forced sale of the property as a result of default.\n\nLand Sale\n\nThe sale of undeveloped or minimally developed land.\n\nPre-Subdivision Sale\n\nThe sale of a parcel prior to subdivision resulting in the splitting of the property into multiple parcels. Select this answer\nwhen reporting the details of the original un-subdivided sale.\nExample: 30,000 square foot lot with previous sale of $100,000, subsequently subdivided into three lots, with the subject\n(or comparable) selling for less than $100,000.\n\nSale Between Related Parties The sale of a property in which the buyer and seller have a relationship independent of the transaction (e.g., business\n\nRelocation Sale\n\nA property being sold as part of a relocation program.\n\npartners, family members, employer/employee, landlord/tenant).\n\nREO Post Foreclosure Sale\n\nThe sale of a property from inventory that has been acquired through foreclosure, deed-in-lieu of foreclosure, or similar\nlegal processes by the lien holder (e.g., a bank selling property to individual(s) or to another entity).\n"} diff --git a/chunks/json/823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550.json b/chunks/json/823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550.json new file mode 100644 index 0000000000000000000000000000000000000000..73105b05f058cf7fd2cd06b38298448dcd8793ea --- /dev/null +++ b/chunks/json/823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550.json @@ -0,0 +1 @@ +{"chunk":{"char_end":294046,"char_start":292439,"chunk_id":"chk_a992da6cc8a2d5ed","chunk_index":173,"chunk_sha256":"823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n•\n•\n•\n•\n•\n•\n\nCarport\nDeck\nGarage\nLiving Area\nPorch\nSunroom\nOther (Describe)\n\n9.009\n\nDescription of\nModification,\nAttachment, or\nAddition\n\nRequired if Structural\nModifications Exist is\nYes\n\nHUD Data Plate\n\nFree-form\n\nDetailed description of the modification, attachment, or addition that has\naltered the manufactured home’s structure or relies on it for support.\n\nNote: If the HUD Data Plate is not available, indicate in Manufactured Home Commentary (9.026) the source of\nthe data provided.\n\nManufactured Home – ADUs – HUD Data Plate\n\nReport\nField ID\n\n9.010\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nHUD Data Plate\nAttached\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether the manufactured home has a HUD data plate (also referred\nto as the Manufactured Home Data Plate or Compliance Certificate) attached\nwithin the manufactured home. If the HUD Data Plate is not attached but is\navailable, select No and explain in Manufactured Home Commentary (9.026).\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nIf available, a photo or image of the HUD Data Plate or the verification source\nmust be provided. The photos or images display in Manufactured Home\nExhibits, with the caption “HUD Data Plate”. An additional caption may be\nprovided to further identify each photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 123 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\nManufactured Home – ADUs – HUD Data Plate\n\nReport\nField ID\n\nReport Label\n"} diff --git a/chunks/json/8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e.json b/chunks/json/8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e.json new file mode 100644 index 0000000000000000000000000000000000000000..c314d8e3c2a5bfb172bd3ed8faa5f6456c7e4fc9 --- /dev/null +++ b/chunks/json/8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5264,"char_start":3524,"chunk_id":"chk_7d951a4730d9835d","chunk_index":2,"chunk_sha256":"8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_703da149b1018a8c","text_sha256":"8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-nov-15-2025.pdf"]},"text":"Undisclosed Liabilities (added Nov. 5, 2025)\n\nAs outlined in Selling Guide Announcement SEL-2025-09, DU will issue a new message when a loan has obtained representation\nand warranty relief for non-mortgage undisclosed liabilities. The message will be issued on Approve/Eligible loan casefiles when\ncertain eligibility criteria are met. It will state that the loan has obtained representation and warranty relief for non-mortgage\nundisclosed liabilities. The message will also remind lenders that if updated income or liability information is received prior to\nclosing that exceeds DU’s resubmission tolerances, the data must be updated, and the loan casefile resubmitted to DU to confirm\ncontinued eligibility for this representation and warranty relief.\n\nRural High-Needs Areas (added Nov. 5, 2025)\n\nThe areas that are designated as rural high-needs are provided to Fannie Mae by our regulator, the U.S. Federal Housing Finance\nAgency (FHFA). DU uses these areas to determine eligibility for the rural high-needs value acceptance offer, Duty to Serve\nmessaging, and to determine Mission Index information. The 2025 rural high-needs designations will be applied to new loan\ncasefiles created on or after Nov. 16.\n\nUpdates to Align with the Selling Guide\n\nAppraisal Messages\n\nThe appraisal messages in DU will be updated to reflect the changes in the Uniform Appraisal Dataset (UAD) 3.6 and appraisal\nforms redesign. The existing messages referencing specific form numbers will be updated to denote eligibility for a Uniform\nResidential Appraisal Report.\n\nMH Advantage\n\nAs specified in Selling Guide Announcement SEL-2025-07, single-width homes will now be eligible under the MH Advantage®\nprogram. DU will be updated to reflect this change.\n"} diff --git a/chunks/json/82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20.json b/chunks/json/82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20.json new file mode 100644 index 0000000000000000000000000000000000000000..ab3932d6a34ed8830d1dd1b2f89532f4945c67f3 --- /dev/null +++ b/chunks/json/82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20.json @@ -0,0 +1 @@ +{"chunk":{"char_end":541065,"char_start":539465,"chunk_id":"chk_52136bdfb61c9862","chunk_index":321,"chunk_sha256":"82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Free-form\n\nSite\n•\n\nBody of Water\nName 4.035\n\nRequired for each\nbody of water with\nprivate access\n\nSite\n•\n\nAccess Depth\n4.037\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nNo\n\nNo\n\n•\n•\n•\n•\n\nDeep Water\nNon-Navigable\nShallow Water\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 236 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nFor All Private Water Frontage on the Property\n\nThese rows represent features for all water frontage on the property.\n\nReport\nField ID\n\n22.04.02\n22.04.07\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Water Frontage\n\nIf relevant\n\nPermanent\nWaterfront\nFeature\n\nRequired if the\nproperty has private\naccess to one or more\nbodies of water, and\nthe row is included in\nthe sales comparison\ngrid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSite\n•\n\nPermanent\nWaterfront\nFeature 4.032\n\nNo\n\nNone\nBeach\nBoat Lift\nBoat Ramp\nBoat Slip\nDock\nPier\nRiprap\nSeawall or Bulkhead\nOther (Describe)\n\nA natural or man-made feature in or alongside a body of water.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nWhen included, provides support for the Water Frontage with Private\nAccess adjustment (22.04.05).\n\nNote: If there are multiple permanent waterfront features and bodies of\nwater for the comparable(s), further details must be provided in\nReconciliation of Sales Comparison Approach (22.16.01).\n\n22.04.03\n22.04.08\n\nRight to Build\n"} diff --git a/chunks/json/825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c.json b/chunks/json/825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c.json new file mode 100644 index 0000000000000000000000000000000000000000..f84eb45b83678feb614cd8f270601934d1fd4e81 --- /dev/null +++ b/chunks/json/825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7067,"char_start":5144,"chunk_id":"chk_4d21ed31a271caf8","chunk_index":3,"chunk_sha256":"825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c","token_estimate":481,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"For MBS loans: If a seller delivers SFC 784 on an MBS loan, fatal edit 2407 will fire indicating the SFC is invalid, and the SFC\nwill be automatically removed from the loan. Click “Save and run edits” to resolve fatal edit 2407.\n\nContact your Fannie Mae representative for assistance or additional information.\n\nWe are enhancing our report and export functionality in Loan Delivery to provide faster, more efficient generation times for\nfiles greater than 100 MB. For any report or export file greater than 100 MB, the file will be generated as a ZIP file\nformat. This is the current functionality for the Schedule of Mortgages and we are expanding this functionality to the MISMO\nData XML, Edits CSV, Loan Level Data CSV, Edit History CSV, and Fannie Mae Loan No. CSV exports plus the Delivery Schedule\nreport.\n\nJan 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n•\n\nJan 19: one new edit as Warning for Green Mortgages, see above Energy Star loans for details\n\n© 2023 Fannie Mae Page 3 of 10\n\nMar 1, 2024\n\nHomeReady VLIP\n\n•\n•\n•\n\nJan 22: 3 new edits as Warning to validate Note Rate, these will move to Fatal in March\nJan 22: 2 edits for Attorney Op Letter for Title, 1 edit expiring, 1 edit updating feedback message\nFeb 7: one new warning edit to validate ARM Plan in DU matches ARM in LD\n\nA temporary enhancement will be applied to our HomeReady® product. This enhancement includes a $2,500 loan-level\nprice adjustment credit for very low-income purchase borrowers (VLIP) that can be used for down payment and closing\ncosts. To receive the credit, lenders must receive the appropriate Desktop Underwriter® (DU®) Messages in DU® to deliver the\nHomeReady Special Feature Codes (SFCs) 900 and 884. Loan Delivery will have new Edits 2147 and 2148 to enforce\neligibility for delivering loans under the temporary policy.\n"} diff --git a/chunks/json/82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12.json b/chunks/json/82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12.json new file mode 100644 index 0000000000000000000000000000000000000000..0b160bd246b85f077670a018019a0a8be82d0dc1 --- /dev/null +++ b/chunks/json/82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12.json @@ -0,0 +1 @@ +{"chunk":{"char_end":333870,"char_start":332195,"chunk_id":"chk_25ea17e5c0efdf6e","chunk_index":191,"chunk_sha256":"82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 74. CD Versions and Associated Sections.\n\nCD Field\nID\n\nCD Section Name\n\nPurchase or Refinance\nModel or Borrower Only Forms\n\n1.0\n\n2.0\n\n3.0\n\n4.0\n\n5.0\n\n6.0\n\n7.0\n\n8.0\n\n9.0\n\nClosing Information\n\nTransaction Information\n\nLoan Information\n\nLoan Terms Table\n\nProjected Payments Table\n\nCosts at Closing\n\nLoan Costs Table (A – D)\n\nOther Costs Table (E – I)\n\nJ. Total Closing Costs Table\n\nRefinance\nAlternate Form\n\n1.7 label variation\n\n2.1 & 2.3 only (No Seller)\n\n✓\n\n✓\n\n✓\n\nAdds designation From/To Borrower\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\nSeller-paid columns only for fees and\nreal estate commissions for both\nagents\n\nBorrower-paid and Paid By Others\ncolumns Only\n\n10.0\n\nCalculating Cash to Close Table\n\n10.A\n\nAlternative Calculating Cash to Close\nTable\n\n11.0\n\nK. Due from Borrower at Closing\n\n12.0\n\nL. Paid Already by or on Behalf of\nBorrower at Closing\n\n13.0\n\nCALCULATION\n\n✓\n\n✓\n\n✓\n\n✓\n\n14.0 M. Due to Seller at Closing\n\nN/A for UCD v2.0\n\n15.0\n\nN. Due from Seller at Closing\n\nN/A for UCD v2.0\n\n16.0\n\nCALCULATION\n\n17.0\n\nLoan Disclosures\n\n18.0\n\nEscrow Account\n\nN/A for UCD v2.0\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n19.0\n\nAdjustable Payment (AP) Table\n\nN/A for UCD v2.0\n\nN/A for UCD v2.0\n\nUCD v2.0 Implementation Guide\n\n- 155 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix D. CD Versions and Associated Sections\n\nTable 74. CD Versions and Associated Sections.\n\nCD Field\nID\n\nCD Section Name\n\nPurchase or Refinance\nModel or Borrower Only Forms\n\nRefinance\nAlternate Form\n\n20.0\n\nAdjustable Interest Rate (AIR) Table\n\n21.0\n\nLoan Calculation\n\n22.0\n\nOther Disclosures\n\n23.0\n\nContact Information\n\nARM\n\n✓\n\n✓\n\nARM\n\n✓\n\n✓\n\nLender\nSettlement Agent\nAs applicable: Mortgage Broker, Real\nEstate Broker (B), Real Estate Broker\n(S)\n"} diff --git a/chunks/json/827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85.json b/chunks/json/827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85.json new file mode 100644 index 0000000000000000000000000000000000000000..19b4f376382dd7b29494411607d20679b00a5bc8 --- /dev/null +++ b/chunks/json/827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9836,"char_start":8168,"chunk_id":"chk_c3e0c5f6eccb788c","chunk_index":5,"chunk_sha256":"827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85","token_estimate":416,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"$ 104\n\n53\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n67\n\n69\n\n71\n\n73\n\n74\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n109\n\n111\n\n108\n\n112\n\nMy research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\nData source(s) 110\nMy research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\nData source(s) 113\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARABLE SALE # 3\n118\n119\n120\n121\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales 122\n\nCOMPARABLE SALE # 1\n118\n119\n120\n121\n\nCOMPARABLE SALE # 2\n118\n119\n120\n121\n\nSUBJECT\n114\n115\n116\n117\n\nITEM\n\nSummary of Sales Comparison Approach 123\n\nIndicated Value by Sales Comparison Approach $ 124\nIndicated Value by: Sales Comparison Approach $ 125\n128\n\nCost Approach (if developed) $ 126\n\nIncome Approach (if developed) $ 127\n\nThis appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the\nfollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133\n"} diff --git a/chunks/json/82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f.json b/chunks/json/82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f.json new file mode 100644 index 0000000000000000000000000000000000000000..b8e0aeac218945d2be7af29f74532db2f3da89f8 --- /dev/null +++ b/chunks/json/82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":375138,"char_start":373539,"chunk_id":"chk_fdcbd1375c721c6f","chunk_index":219,"chunk_sha256":"82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"R\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 81 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n11\n\n12\n\n13\n\n14\n\n15\n\n16\n\n17\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n13\n\n14\n\n10\n\nSUBJECT\n\nZip Code\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_PostalCode\n\n11\n\nSUBJECT\n\nBorrower\n\nGSE Borrower\nName\n\nThe unparsed name(s) of person(s) or non-\nperson entities that are the borrower(s).\n\n12\n\nSUBJECT\n\nOwner of Public Record\n\nGSE Property\nOwner Name\n\nThe unparsed name(s) of the subject\nproperty owner(s).\n\n/VALUATION_RESPONSE/PARTIES/BORROWER/BORROWER_EXTENSI\nON/BORROWER_EXTENSION_SECTION[@ExtensionSectionOrganizationNa\nme='UNIFORM APPRAISAL\nDATASET']/BORROWER_EXTENSION_SECTION_DATA/BORROWER_NA\nME/@GSEBorrowerName\n\n/VALUATION_RESPONSE/PROPERTY/_OWNER/PROPERTY_OWNER_EX\nTENSION/PROPERTY_OWNER_EXTENSION_SECTION[@ExtensionSection\nOrganizationName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_OWNER_EXTENSION_SECTION_DATA/PROPER\nTY_OWNER/@GSEPropertyOwnerName\n\nSUBJECT\n\nCounty\n\nProperty County\n\nThe county in which the subject property\nis located.\n\n/VALUATION_RESPONSE/PROPERTY/@_County\n\n10\n\n50\n\n45\n"} diff --git a/chunks/json/829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff.json b/chunks/json/829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff.json new file mode 100644 index 0000000000000000000000000000000000000000..bafd598d6ac8113c885d9f8844680eb337c8325d --- /dev/null +++ b/chunks/json/829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":482424,"char_start":480826,"chunk_id":"chk_998cbbb4acce22b7","chunk_index":274,"chunk_sha256":"829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"23. 1 – 23. 9 PARTY I NFORMATI ON\n\nThe following information is disclosed for each organization and associated contact applicable to the\ntransaction.\n\n23. 1 NAME (COMPANY)\n\nName (company) is the legal name (e.g., the name used for registration, incorporation, or chartering purposes),\nthe trade name, if any, or an abbreviation of legal name or the trade name is disclosed for the company name. If\nabbreviated, the name must be clear and conspicuous.\n\nAppendix E: UCD Implementation Guide\n\nPage 225 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23. 2 ADDRESS\n\n23.0 Contact Information\n\nAddress is the place of business where the primary contact for the transaction is located (usually the local\noffice), rather than a general corporate headquarters address.\n\n23. 3 NMLS I D (ORGANI ZATION)\n\nSection 1026.36(g) of the CFPB’s 2013 Loan Originator Final Rule requires a loan originator organization (lender\nor mortgage broker) to include its name and Nationwide Mortgage Licensing System & Registry (NMLSR) ID on\nthe Closing Disclosure.\n\n23. 4 STATE CODE + LICENSE I D - UPDATED\n\nNot required by the GSEs.\n\n23. 5 CONTACT (PRI MARY)\n\nThe lender must disclose the name of the consumer’s primary contact. This is the person employed by the\ncompany identified in the first four rows of the Contact Information table who interacts most frequently with\nthe borrower(s) and also has an NMLSR ID.\n\n23. 6 NMLS I D (Contact)\n\nSection 1026.36(g) of the CFPB’s 2013 Loan Originator Final Rule requires the NMLSR ID of any individual with\nprimary responsibility for the loan origination on the Closing Disclosure.\n"} diff --git a/chunks/json/82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d.json b/chunks/json/82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d.json new file mode 100644 index 0000000000000000000000000000000000000000..29d740e9408bbe5387167590d1f35423a5803ad8 --- /dev/null +++ b/chunks/json/82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19661,"char_start":17922,"chunk_id":"chk_4c3e42954bb73d81","chunk_index":10,"chunk_sha256":"82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d","token_estimate":435,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are\nnecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are\nreadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing\nadjustments can be made to the comparable property by comparisons to financing terms offered by a third party\ninstitutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a\nmechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate\nthe market’s reaction to the financing or concessions based on the appraiser’s judgment.\n\nSTATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is\nsubject to the following assumptions and limiting conditions:\n\n1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the\ntitle to it, except for information that he or she became aware of during the research involved in performing this appraisal.\nThe appraiser assumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency\n(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an\nidentified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or\nimplied, regarding this determination.\n"} diff --git a/chunks/json/82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d.json b/chunks/json/82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d.json new file mode 100644 index 0000000000000000000000000000000000000000..1c36237234dc4659bf8704f8b87329ff500c2afc --- /dev/null +++ b/chunks/json/82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":75948,"char_start":74702,"chunk_id":"chk_225f7029a5e309a7","chunk_index":41,"chunk_sha256":"82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d","token_estimate":432,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"/\n\n>\nH\nP\nG\n<\n5\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41197\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00059 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n6\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\n41198\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00060 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n7\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41199\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00061 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n8\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\n41200\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00062 Fmt 4703 Sfmt 9990 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n"} diff --git a/chunks/json/82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6.json b/chunks/json/82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6.json new file mode 100644 index 0000000000000000000000000000000000000000..744f319417651bb5333fbab45b8d28942eff48b7 --- /dev/null +++ b/chunks/json/82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":616456,"char_start":613925,"chunk_id":"chk_c2bd44df53a60d13","chunk_index":354,"chunk_sha256":"82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6","token_estimate":633,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 19 of 19\nPage 19 of 19\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2.json b/chunks/json/82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2.json new file mode 100644 index 0000000000000000000000000000000000000000..a07c7bb3b43607564695ecede3b7317b29f2f23b --- /dev/null +++ b/chunks/json/82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":590836,"char_start":589201,"chunk_id":"chk_02505f4d981de01c","chunk_index":351,"chunk_sha256":"82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The ADU Interior Quality and Condition subsection displays on the sales comparison grid if the subject or any comparables have ADU(s).\n• When interior features are included in the ADU Interior Quality and Condition subsection, it provides context for:\n\no\no\n\nInterior Quality Rating for the ADU, and for the Overall Quality Rating.\nInterior Condition Rating for the ADU, and for the Overall Condition Rating.\n\n• Any adjustments are made in the Overall Quality Rating (22.11.04) or Overall Condition Rating (22.11.06) row, and not here.\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: ADU Interior Quality and Condition\n\n22.10.01\n22.10.16\n\nLocation of\nADU\n\n22.10.01\n22.10.16\n\nLocation of\nADU\n\n22.10.02\n22.10.17\n\nQuality\n\nWhen\nUnit is an ADU\nis Yes for the\nsubject or any\ncomparable\n\nWhen\nUnit is an ADU\nis Yes for the\nsubject or any\ncomparable\n\nWhen\nUnit is an ADU\nis Yes for the\nsubject or any\ncomparable\n\nRequired if Unit is an\nADU is Yes\n\nDwelling or\nOutbuilding\n\n•\n\nStructure Type Not\non Report\n\nNo\n\nStructure Type: The type of structure that contains the ADU.\nIf the ADU is in a dwelling, “Dwelling” displays.\nNote: Location of ADU redisplays from 22.07.02 and 22.07.18.\n\nRequired if Unit is an\nADU is Yes, and the\nADU is in an\noutbuilding\n\nChoose an\nallowable answer\nfrom 10.000\n\nUnit Interior\n•\n\nOutbuilding Type\n10.000\n\nNo\n\nIf the ADU is in an outbuilding, Outbuilding Type displays.\nNote: Location of ADU redisplays from 22.07.02 and 22.07.18.\n"} diff --git a/chunks/json/82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac.json b/chunks/json/82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac.json new file mode 100644 index 0000000000000000000000000000000000000000..cf0ddb3370e480aa6bd26afac6675e72b372ae83 --- /dev/null +++ b/chunks/json/82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37956,"char_start":36355,"chunk_id":"chk_066202f91ee15119","chunk_index":22,"chunk_sha256":"82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"This is where the\nSubject Property\nphoto would display.\n\nThis is where the\nRental Comparable 1\nphoto would display.\n\nThis is where the\nRental Comparable 2\nphoto would display.\n\nThis is where the\nRental Comparable 3\nphoto would display.\n\nThis is where the\nRental Comparable 4\nphoto would display.\n\nThis is where the\nRental Comparable 5\nphoto would display.\n\nSubject Property\n12345 Holiday Hwy\nSurfside, HI 12345\n\nComparable #1\n8275 Youngish St\nSurfside, HI 12345\n\nComparable #2\n1337 Stone Back Blvd\nSurfside, HI 12345\n\nComparable #3\n420 Long Ear Ave\nSurfside, HI 12345\n\nData Source:\nMLS 142332\n\nLease Start\nDate: 09/2019\n\nData Source:\nMLS 425021\n\nLease Start\nDate: 08/2019\n\nData Source:\nMLS 342332\n\nLease Start\nDate: 02/2020\n\nActual Rent: $925\n\nActual Rent: $800\n\nActual Rent: $1,000\n\nComparable #4\n1776 Whitecrest Rd\nUnit 1\nSurfside, HI 12345\n\nComparable #5\n1776 Whitecrest Rd\nUnit 2\nSurfside, HI 12345\n\nData Source:\nMLS 442332\n\nLease Start\nDate: 10/2019\n\nData Source:\nMLS 542332\n\nLease Start\nDate: 09/2019\n\nActual Rent: $1,300\n\nActual Rent: $1,200\n\nComparable Rental Analysis\n\nProximity to Subject\n\nNeighborhood Name\n\nSite Influence\n\nView from Unit\n\nSite Size\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nFurnished\n\nUtilities/Services\nIncluded\n\nRent Control\n\nRent Concessions\n\nSubject\nUnit 1\n\nHawaiian\nVista\n\nBusy\nRoadway\n\n#1\n\n0.4 Miles N\n\nComparables\n#2\n0.4 Miles SE\n\nBay Hills\n\nHillview\n\n#3\n1 Miles W\n\nBayville\n\nSimilar\n\nSimilar\n\nSimilar\n\nSubject\nUnit 2\n\nHawaiian\nVista\n\nBusy\nRoadway\n\n#1\n\n0.4 Miles N\n\nBay Hills\n\nSimilar\n\nComparables\n#4\n0.5 Miles NE\n\nHillview\nGardens\n\nSimilar\n"} diff --git a/chunks/json/82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50.json b/chunks/json/82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50.json new file mode 100644 index 0000000000000000000000000000000000000000..367eae0368bdbd7c50a1562b7dcc0abe8cb8378b --- /dev/null +++ b/chunks/json/82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50.json @@ -0,0 +1 @@ +{"chunk":{"char_end":146037,"char_start":144435,"chunk_id":"chk_80c8a2ebd63bd842","chunk_index":164,"chunk_sha256":"82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nClient\n\nCompany name and address is reported for clients, and credentials (license information) are reported for AMCs when applicable (when\nrequired by the jurisdiction in which the subject property is located).\n\n• Clients must have an additional PartyRoleType (UID: 2400.0017, FID: 2.011) to identify the type of client.\n\nPage 88\n\nAssignment Information: Contact Information – [Role]/[Role] - Client\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\n2.012\n\nCompany Name\n\n2400.0013\n\nFullName\n\n2400.0001\n\nAddressLineText\n\n2400.0002\n\nCityName\n\n2400.0004\n\nStateCode\n\n2400.0003\n\nPostalCode\n\n2.013\n\nCompany Address\n\nCredentials\n\n2.014\n\nID\n\n2400.0015\n\nLicenseIdentifier\n\n2.015\n\nState\n\n2400.0016\n\nLicenseIssuingAuthorityStateCode\n\n2.016\n\nExpires\n\n2400.0014\n\nLicenseExpirationDate\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client” and\nPartyRoleType (UID: 2400.0017, FID: 2.011) is present …\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nIf LicenseIdentifier, LicenseIssuingAuthorityStateCode, and\nLicenseExpirationDate are not provided, do not display report label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0017, FID: 2.011) =\n“ManagementCompany”. If not provided, do not display report label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0017, FID: 2.011) =\n“ManagementCompany”. If not provided, do not display report label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0017, FID: 2.011) =\n“ManagementCompany”. If not provided, do not display report label.\n"} diff --git a/chunks/json/82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d.json b/chunks/json/82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d.json new file mode 100644 index 0000000000000000000000000000000000000000..30c42417bf88e76dbac386558cdad071b804e762 --- /dev/null +++ b/chunks/json/82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":469226,"char_start":467623,"chunk_id":"chk_27b011ea08c1e800","chunk_index":275,"chunk_sha256":"82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n\nOne and only one of fields 1-170, 1-\n171, 1-172 (values of Project Primary\nOccupancy Type) should be indicated.\nOne and only one of fields 1-170, 1-\n171, 1-172 (values of Project Primary\nOccupancy Type) should be indicated.\nOne and only one of fields 1-170, 1-\n171, 1-172 (values of Project Primary\nOccupancy Type) should be indicated.\n\nOne and only one of fields 1-173, 1-\n174 (values of Project Developer\nControls Project Management\nIndicator) must be indicated.\n\nOne and only one of fields 1-173, 1-\n174 (values of Project Developer\nControls Project Management\nIndicator) must be indicated.\n\nAt least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n\nAt least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n"} diff --git a/chunks/json/82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd.json b/chunks/json/82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd.json new file mode 100644 index 0000000000000000000000000000000000000000..d899917324a50c91b53afdcd20da1e3e9460cced --- /dev/null +++ b/chunks/json/82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50122,"char_start":48518,"chunk_id":"chk_929017646c7e5964","chunk_index":74,"chunk_sha256":"82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"2-point rule x 45 picas, 6 points space below to:\n\n(FTR-L) Left side\n\n• 8-point Myriad Pro Bold “Appraisal Version #”, one line space below to 50% black “Fannie\n\nMae | Freddie Mac,” Month YYYY\n\n(FTR-R) Right side\n\n• 8-point Myriad Pro Bold with Myriad Pro Regular. Identifiers set stacked, aligned right, 1 em\nspace to identifiers, set in 8 point regular, align left, longest identifier aligns right on rule\nabove. Baseline of last line sits on bottom margin of .5\".\n\nFTR\n\nAppendix E: Report Style Guide\n\nPage 16 of 90\n\nVersion 1.4\n\nAppendix E: Report Style Guide\n\nPage 17 of 90\n\nVersion 1.4\n\nBelow are specifications for all section headings. Unless specified otherwise, design elements print 100% black.\n\nTITLE – Report Title\n\nTITLE\n\nTEXT\n\n32-point Myriad Pro Regular, align left.\n\nSPACE\n\n2 picas 2 points to page margin above; 6 points space below to TITLE-ADD.\n\nTITLE-ADD – Subject Address for Report Title\n\nTEXT\n\n12/13 Myriad Pro Black, all caps.\n\nSPACE\n\n3 picas space below to SUM-HD.\n\nTITLE-ADD\n\nSUM-HD – Summary Section Title\n\nTEXT\n\n14-point Myriad Pro Black, all caps.\n\nRULE\n\n2-point rule x 45 picas wide. Offset: 0 picas 5 points.\n\nSUM-HD\n\nTAB – Section Title (Black Tab)\n\nTEXT\n\n9/13 Myriad Pro Bold set white in black bar, align left and indent\n0 picas 4 points.\n\nRULE\n\n½ point rule x 45 picas wide. Offset: 0 picas 3 points.\n\nTAB\n\n12 picas wide x 1p3 picas high. Top left and right corners rounded 1 pica 0\npoints; width can be adjusted as needed for longer titles.\n\nSPACE\n\n1 pica 7.5 points of space to element above (see example below); at the top\nof a page, 1 pica space to heading rule.\n"} diff --git a/chunks/json/82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465.json b/chunks/json/82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465.json new file mode 100644 index 0000000000000000000000000000000000000000..39c8b997c3bb62a3eb479ec87474f3695dce180b --- /dev/null +++ b/chunks/json/82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61485,"char_start":59883,"chunk_id":"chk_8c37b1cd5ecc3483","chunk_index":81,"chunk_sha256":"82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Table text (TB) sets flush left except if within a stack of numbers or unless otherwise noted in Part 2.\n\nSpecific Section Details.\n\n• Table text (TB) sets initial cap.\n\n• When no content is chosen, cell remains empty. For the Sales Comparison Approach, Rental Information,\n\nCost Approach, and Income Approach only, see Part 2. Specific Section Details for table/grid\nspecifications.\n\nAppendix E: Report Style Guide\n\nPage 27 of 90\n\nVersion 1.4\n\nTEXT\n\n8/9 Myriad Pro Regular (~4 characters per pica max).\n\nINDENT Align left, unless otherwise noted in Part 2. Specific Section Details.\n\nINSET\n\nTop 0 picas 3 points; Bottom 3.2 points; Left and Right 4 points.\n\nRULE\n\n½ point rule in 50% black.\n\nTB - Table Text\n\nTB\n\nTB-I - Table Text Indented\n\nTEXT\n\n8/9 Myriad Pro Regular (~4 characters per pica max).\n\nINDENT Align left, indent 8 points, unless otherwise noted in Part 2. Specific Section\n\nDetails.\n\nINSET\n\nTop 0 picas 3 points; Bottom 3.2 points; Left and Right 4 points.\n\nRULE\n\n½ point rule in 50% black.\n\nTB-1\n\nTB-B - Table Text Bold\n\nTEXT\n\n8/9 Myriad Pro Bold (~4 characters per pica max).\n\nINDENT Align left, unless otherwise noted in Part 2. Specific Section Details.\n\nINSET\n\nTop 0 picas 3 points; Bottom 3.2 points; Left and Right 4 points.\n\nRULE\n\n½ point rule in 50% black.\n\nTB-B\n\nTCH - Table Column Heading\n\nTEXT\n\n9/10 Myriad Pro Bold (~3 characters per pica max).\n\nINDENT Align left and indent 4 points, unless otherwise noted in Part 2. Specific\n\nSection Details.\n\nAppendix E: Report Style Guide\n\nPage 28 of 90\n\nVersion 1.4\n\nRULE\n\n½ point rule in 50% black below. Offset 4 points.\n\nNOTE:\n"} diff --git a/chunks/json/82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11.json b/chunks/json/82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11.json new file mode 100644 index 0000000000000000000000000000000000000000..f5c8acc0c291d294a38aa132b43789a0cc4d9657 --- /dev/null +++ b/chunks/json/82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24958,"char_start":23159,"chunk_id":"chk_8a9664298cc5cc3d","chunk_index":6,"chunk_sha256":"82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"[](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-payment-deferral-options-user-guide)\n\n**Online Learning**\n[SMDU Help & Training page](/learning-center/servicing/servicing-management-default-underwriter)\n\n#### Loss Mitigation Valuations Features\n\nUse SMDU User Interface to:\n\n- Order and retrieve a property’s Automated Valuation Model (AVM) estimated value and confidence score for loan modifications and Mortgage Release™.\n - Order, manage and retrieve the results of a loss mitigation valuation request for a Charge-off, Mortgage Release, Reserve Price Bid Instructions or Short Sale.\n **Key Benefits**\n\n- Simplified loss mitigation property valuation process.\n - One application to order AVM estimated value as well as order, manage, and retrieve results of a loss mitigation valuation request.\n - Access to no-cost AVM estimated value.\n - Supports single loan and multiple loan (bulk) requests.\n **Help & Training**\n [SMDU UI Loss Mitigation Valuations User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-loss-mitigation-valuations-user-guide)\n\n#### Borrower-Initiated Mortgage Insurance Termination Features\n\nThe mortgage insurance (MI) termination tool within SMDU™ makes it easier to evaluate borrower requests to terminate conventional MI based on the Original Value and/or Current Value of the property.\n\n**Key Benefits**\n\n- Automated evaluation and decisioning ensures compliance with Fannie Mae policy.\n - Access to no-cost Automated Valuation Model (AVM) estimated value of the property and/or standardized pricing for BPO/appraisal.\n - Simpler evaluation process and lower costs for a better borrower experience.\n - Offers servicers limited liability relief when using SMDU™ decisioning.\n **How it works**\n"} diff --git a/chunks/json/83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd.json b/chunks/json/83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd.json new file mode 100644 index 0000000000000000000000000000000000000000..6eb9f89410d79fc53c70ea8f128cb31eb8886965 --- /dev/null +++ b/chunks/json/83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":78237,"char_start":76611,"chunk_id":"chk_654e423fcab99041","chunk_index":42,"chunk_sha256":"83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":" There is a one-to-one relationship between DEAL_SETS and PARTIES. MIN=1\n\nmeans that for each DEAL_SETS container, one PARTIES container must be sent,\nand MAX=1 means only one may be sent.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 31 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nC. XPath-V3.0 Reference Model Navigation\n\nXPath helps business partners locate data points within an XML schema document. The\nXPath language provides the directions to each container and data point within the V3.0\nReference Model. The location is expressed as relative to the root container, MESSAGE.\nXPath directions move through the XML schema first to the right, then down, to the\nlocation of a container.\n\nThe XPath to each container used in ULDDS Appendix A is provided under the container\nheading bar immediately preceding the data points within a given container:\n\nTable IV-3. XPath Example from ULDDS Appendix A.\n\nMESSAGE (MIN=1, MAX=1)\n\n.ABOUT_VERSIONS (MIN=1, MAX=1)\n\n..ABOUT_VERSION (MIN=1, MAX=1)\n\nXPath: MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION\n\nIN DEPTH\n\nReusable Containers. It is particularly critical to know the XPath of containers and data\npoints that are used in more than one place in the V3.0 Reference Model, as their location\nin the schema provides their context and indicates how they will be used. ULDDS\nAppendix A contains the following “reusable” containers, including ADDRESS and NAME.\nNotice how their location in the V3.0 Reference Model, as indicated by the XPath,\nchanges their meaning.\n"} diff --git a/chunks/json/830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7.json b/chunks/json/830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7.json new file mode 100644 index 0000000000000000000000000000000000000000..df8dafc462c0e4de3d9cd2ac8163b34eef8c1d3c --- /dev/null +++ b/chunks/json/830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":131128,"char_start":129517,"chunk_id":"chk_40a5ca6734927541","chunk_index":76,"chunk_sha256":"830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Dwelling Exterior Exhibits\n\nDwelling Rear\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n1,092 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nCondominium Questionnaire\nProperty Data Report\n\nLevels in Unit\nFloor Number\nCorner Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\nNon-Residential Use in Unit\nLive/Work Space\n\n1\n2\nNo\nOwner\n2\n2\n0\nNo\nNo\n\nLevel and Room Detail\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,092 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 7 of 22\nPage 7 of 22\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\n1-5 years\n\nFully Updated\n\n1-5 years\n\nFully Updated\n\n1-5 years\n\nQuality Comment\nGE Monogram\nappliances and\nhardwood painted\ncabinets.\n\nTile shower and custom\nvanity, owners utilized\ncustom designer for tile\nwork.\n\nTile shower and custom\nvanity.\n\nCondition Status\nNew or Like New\n\nCondition Comment\nAdd comment if\nneeded.\n\nTypical Wear and Tear\n"} diff --git a/chunks/json/831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a.json b/chunks/json/831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a.json new file mode 100644 index 0000000000000000000000000000000000000000..73700fd5ba2b425f17e7edf407b4b2429115c4b0 --- /dev/null +++ b/chunks/json/831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8470,"char_start":7079,"chunk_id":"chk_e6a3b6a70d202613","chunk_index":4,"chunk_sha256":"831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.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# Public Engagements\n\n## Breadcrumb\n\n- [Home](/)\n - [News](/news)\n - Public Engagements\n\n## 2024\n\n## **November 2024**\n\n## **FHFA Fall Econ Summit**\n\n**Date:** 11/12/2024\n\n**Time:** 8:30 AM - 6:00 PM ET\n"} diff --git a/chunks/json/83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6.json b/chunks/json/83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6.json new file mode 100644 index 0000000000000000000000000000000000000000..d8170d7229f1bbddb457c5768f8f8ed702c5935e --- /dev/null +++ b/chunks/json/83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6192,"char_start":5301,"chunk_id":"chk_503f28b34e80ff4f","chunk_index":5,"chunk_sha256":"83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:21)(cid:17)(cid:19)(cid:24)(cid:19)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:20)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:21)\n\nContact Information\n\n[Role]/[Role]\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:19)(cid:3)(cid:18)(cid:21)(cid:17)(cid:19)(cid:20)(cid:20)\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\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:21)\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:22)\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:26)\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:27)\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:28)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:19)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:20)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:21)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:22)\n"} diff --git a/chunks/json/8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2.json b/chunks/json/8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2.json new file mode 100644 index 0000000000000000000000000000000000000000..f2f2095f46532519c4ea01443034c3bbaf5326d8 --- /dev/null +++ b/chunks/json/8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15548,"char_start":14290,"chunk_id":"chk_129b60a0cbf96ad9","chunk_index":14,"chunk_sha256":"8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2","token_estimate":704,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nApparent Defects, Damages, Deficiencies (Site)\n\n(cid:53)(cid:73)(cid:70)(cid:1)(cid:74)(cid:85)(cid:70)(cid:78)(cid:84)(cid:1)(cid:77)(cid:74)(cid:84)(cid:85)(cid:70)(cid:69)(cid:1)(cid:67)(cid:70)(cid:77)(cid:80)(cid:88)(cid:1)(cid:83)(cid:70)(cid:81)(cid:83)(cid:70)(cid:84)(cid:70)(cid:79)(cid:85)(cid:1)(cid:85)(cid:73)(cid:70)(cid:1)(cid:34)(cid:84)(cid:1)(cid:42)(cid:84)(cid:1)(cid:68)(cid:80)(cid:79)(cid:69)(cid:74)(cid:85)(cid:74)(cid:80)(cid:79)(cid:1)(cid:66)(cid:84)(cid:1)(cid:80)(cid:71)(cid:1)(cid:85)(cid:73)(cid:70)(cid:1)(cid:70)(cid:71)(cid:71)(cid:70)(cid:68)(cid:85)(cid:74)(cid:87)(cid:70)(cid:1)(cid:69)(cid:66)(cid:85)(cid:70)(cid:1)(cid:80)(cid:71)(cid:1)(cid:85)(cid:73)(cid:74)(cid:84)(cid:1)(cid:83)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)\n"} diff --git a/chunks/json/8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86.json b/chunks/json/8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86.json new file mode 100644 index 0000000000000000000000000000000000000000..051b18aaf573e0daa8ec9f48a7dace3219999002 --- /dev/null +++ b/chunks/json/8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86.json @@ -0,0 +1 @@ +{"chunk":{"char_end":118830,"char_start":117853,"chunk_id":"chk_ed0d382cd189afd7","chunk_index":69,"chunk_sha256":"8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86","token_estimate":244,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Garage/Carport\nSale or Financing Concessions\nView\nView\nGarage/Carport\nData Sources\nDesign (Style)\nGarage/Carport\nDate of Sale/Time\nSale or Financing Concessions\nSale or Financing Concessions\nGarage/Carport\nGarage/Carport\nGarage/Carport\nGarage/Carport\nLocation\nView\nDesign (Style)\nDesign (Style)\nBasement & Finished Rooms Below Grade\nLocation & View\nSale or Financing Concessions\nLocation\nView\nDesign (Style)\nView\nLocation & View\nSale or Financing Concessions\nBasement & Finished Rooms Below Grade\nDesign (Style)\nGarage/Carport\nView\n\nAppropriate Fields\n\nView\nLocation\nView\nSale or Financing Concessions\nSale or Financing Concessions\nLocation & View\n\nPage 68 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n"} diff --git a/chunks/json/834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954.json b/chunks/json/834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954.json new file mode 100644 index 0000000000000000000000000000000000000000..606bb813312f4dff240ceb84d036e93ee37641f3 --- /dev/null +++ b/chunks/json/834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14474,"char_start":13797,"chunk_id":"chk_83b8865f32c9a3f0","chunk_index":20,"chunk_sha256":"834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954","token_estimate":517,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Summary ....................................................................................................................................................... 32\n\nProperty Description (H1) ................................................................................................................................... 32\n\nAppendix E: Report Style Guide\n\nPage 5 of 90\n\nVersion 1.4\n\nApparent Defects, Damages, Deficiencies Requiring Action (H1) ...................................................................... 33\n\nAssignment Information ................................................................................................................................ 34\n"} diff --git a/chunks/json/834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a.json b/chunks/json/834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a.json new file mode 100644 index 0000000000000000000000000000000000000000..1e96468c6eeb89ea95f30006e94ad567e93a1351 --- /dev/null +++ b/chunks/json/834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15787,"char_start":12746,"chunk_id":"chk_39bd31dd40acb24a","chunk_index":7,"chunk_sha256":"834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7770082cb77839a3","text_sha256":"834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a","token_estimate":799,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FAIR_Act_Inventory___U_S__FEDERAL_HOUSING_jnhsrj.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/246\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/reports\\/fair-act-inventory\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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License\ninformation is reported in Credentials (2.024-2.027 or 2.039-2.042).\n\nThe name of the company for which the appraiser or supervisory appraiser\nworks.\n\nCompany Name Always required for\n\nFree-form\n\n2.019\n2.034\n\n2.020\n2.035\n\nCompany\nAddress\n\nthe appraiser and\nsupervisory appraiser\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nFree-form\n\nThe address of the company for which the appraiser or supervisory appraiser\nworks.\n\nScope of Inspection by Appraiser and Supervisory Appraiser\n"} diff --git a/chunks/json/837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9.json b/chunks/json/837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9.json new file mode 100644 index 0000000000000000000000000000000000000000..63f6d8840fb10e25471296dadb1ca5cefa3ad853 --- /dev/null +++ b/chunks/json/837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1839,"char_start":0,"chunk_id":"chk_535ca8e8c5538eaf","chunk_index":0,"chunk_sha256":"837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01ebc219f1f823a0","text_sha256":"837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9","token_estimate":460,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-apr-15-2023.pdf"]},"text":"DU for Government Loans Release Notes\nApril 2023 Release\n\nFeb. 15, 2023\n Updated Mar. 9, 2023\n\nDuring the weekend of April 15, 2023, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA\nchanges.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nMar. 9, 2023: These release notes have been updated to include a new release date. The release will no longer take place the\nweekend of March 18, but will be implemented the weekend of April 15.\n\nVA Message Updates\n\nSeveral VA specific messages will be updated for clarity and to better align with the VA Lender’s Handbook. These changes will\napply to both VA version 3.0 and 3.1.\n\nNew FHA Version 4.1\n\nFHA version 4.1 will be implemented and will apply to new FHA loan casefiles created on or after the weekend of April 15, 2023.\nLoan casefiles created in FHA version 4.0 will continue to be underwritten with FHA version 4.0. This is a DU specific version and\nwill not impact the version of TOTAL that is applied to the submission.\n\nFHA Required Investment Calculation Change and Other FHA Updates\n\n▪ At the direction of FHA, payoffs will no longer be included in the Required Investment Calculation that is sent to the FHA\n\nTOTAL scorecard on refinance transactions. The determination of this amount will be taken from Line E. Credit Cards and\nOther Debts Paid Off in section L4 of the Desktop Originator® (DO®)/DU user interface. For any payoffs that are to be\nincluded in the transaction, lenders should ensure that the amount for that field is separated from Line D. For Refinance:\nBalance of Mortgage Loans on the Property to be paid off in the Transaction, in section L4 on all refinance transactions.\nThe next update of the DU Specification (DU Spec) version will reflect this change.\n"} diff --git a/chunks/json/8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8.json b/chunks/json/8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8.json new file mode 100644 index 0000000000000000000000000000000000000000..8bef7ef7b92072dfb57092a9a924dec38c980123 --- /dev/null +++ b/chunks/json/8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8756,"char_start":7082,"chunk_id":"chk_da10b8d92b173c51","chunk_index":4,"chunk_sha256":"8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b8ef5b7c99339c83","text_sha256":"8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA_Annual_Report___U_S__FEDERAL_HOUSING_992si.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# FOIA Annual Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FOIA Annual Report\n\n​​​​​​The FOIA requires each federal agency to submit an Annual Report to the Attorney General each year. These reports contain detailed statistics on the numbers of requests received and processed by each agency, the time taken to respond, and the outcome of each request, as well as many other vital statistics regarding the administration of the FOIA at federal departments and agencies.\n"} diff --git a/chunks/json/837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93.json b/chunks/json/837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93.json new file mode 100644 index 0000000000000000000000000000000000000000..589111655468274931f849dd6d88be1f9110ebe4 --- /dev/null +++ b/chunks/json/837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93.json @@ -0,0 +1 @@ +{"chunk":{"char_end":642305,"char_start":640645,"chunk_id":"chk_4b7736773160f062","chunk_index":379,"chunk_sha256":"837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘HeatingCooling’]/@_Amount\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘EnergyEfficient’]/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nEnergy Efficient Items\nAdjustment\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=‘EnergyEfficient’]/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nGarage/Carport\n\nSALES\nCOMPARISON\nAPPROACH\n\nGarage/Carport Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nPorch/Patio/Deck\n\nSALES\nCOMPARISON\nAPPROACH\n\nPorch/Patio/Deck Adjustment\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘CarStorage’]/@_Description\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n"} diff --git a/chunks/json/837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241.json b/chunks/json/837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241.json new file mode 100644 index 0000000000000000000000000000000000000000..41faf191e70726ba40c3c44fe624f2ecc463e6e5 --- /dev/null +++ b/chunks/json/837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4203,"char_start":2512,"chunk_id":"chk_356effb3d6af1273","chunk_index":1,"chunk_sha256":"837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241","date_utc":"2026-01-27T17:46:37+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d388f9df645bf8c0","text_sha256":"837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md"]},"text":"The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources.\n\n###\n\n- Uniform Residential Appraisal Report\n - Restricted Appraisal Update Report\n - Completion Report\n [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification)\n\nThis document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.\n\n[**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide)\n\nThis zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface.\n\n[**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout)\n\nThis zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.\n\n[**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files)\n\nThis zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.\n"} diff --git a/chunks/json/8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356.json b/chunks/json/8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356.json new file mode 100644 index 0000000000000000000000000000000000000000..6e647f0d859af555324e0841cf849c7b1450b552 --- /dev/null +++ b/chunks/json/8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62523,"char_start":62088,"chunk_id":"chk_50b9fcd7ceebdb9e","chunk_index":36,"chunk_sha256":"8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356","token_estimate":109,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf","below_target_min_tokens"]},"text":"State credential that applies to the assignment, commonly referred to as the\n“credentialling state.”\nNote: Redisplays from 08.022 (Appraiser) or 08.037 (Supervisory Appraiser).\n\n09.032 Expires\n\nDisplays if Credential\nType is not None\n\nmm/dd/yyyy\n\nExpiration date of the credential.\nNote: Redisplays from 08.023 (Appraiser) or 08.038 (Supervisory Appraiser).\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 33 of 33\n\nVersion 1.3\n"} diff --git a/chunks/json/83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116.json b/chunks/json/83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116.json new file mode 100644 index 0000000000000000000000000000000000000000..7a39faa7ec906715186cd278d0d4cf1ccb96907c --- /dev/null +++ b/chunks/json/83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116.json @@ -0,0 +1 @@ +{"chunk":{"char_end":234201,"char_start":232547,"chunk_id":"chk_2c6d628cbc18fb27","chunk_index":136,"chunk_sha256":"83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEListingStatusType\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DATE_EXTENSION/COMP\nARISON_DATE_EXTENSION_SECTION[@E\nxtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DATE_EXTENS\nION_SECTION_DATA/OFFERING_DISPOSI\nTION/@GSEShortDateDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEContractDateUnknownIndicator\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Dat\neOfSale']/@_Amount\n\n11\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis is a free-text field that must contain the appraiser's description of the\nfinancing type if 'Other' is indicated.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n9\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe total amount of concessions, if any. If there are no sales or financing\nconcessions, a zero (0) must be entered.\n"} diff --git a/chunks/json/83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b.json b/chunks/json/83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b.json new file mode 100644 index 0000000000000000000000000000000000000000..3885e8baa1228543847a26025b6e5895eea549c9 --- /dev/null +++ b/chunks/json/83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1619,"char_start":0,"chunk_id":"chk_576bdebe168034c8","chunk_index":0,"chunk_sha256":"83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b","date_utc":"2026-01-27T17:46:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34b0154c2ba22867","text_sha256":"83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.pdf/uad-infographic.pdf"]},"text":"New Uniform Appraisal Dataset\n…to bring you a single standardized report for any residential property type.\n\nNew UAD\nDelivery\nSpecification\n\nAppraisal Reports in the\nCurrent UAD 2.6 XML File\nSingle-Family & Condo\n\n1004/70\n\n1073/465\n\n1075/466\n\n2055/2055\n\nAppraisal Reports Not\nCurrently UAD-Compliant\nCooperative, Manufactured Home,\n2-4 Unit, Rent Schedule,\n& Update/Completion\n\n1004C/70B\n\n2090\n\n2095\n\n1025/72\n\n1004D/442\n\n1007/1000\n\nMulti-Year\nUAD Project\n\nSeek industry input to\nhelp drive this work:\n\n• Review all data in\n\nthe current appraisal\nforms and the UAD 2.6\nSpecification\n\n• Determine what\ninformation\ncan be removed and\nwhat will remain\n\n• Review legacy\n\nform descriptions\nto determine new\ndiscrete data needs\n\n• Review addenda\nand description\ninformation to\ndetermine new\ndiscrete data elements\n\n• Determine relative\n\ninformation to support\nthe value conclusion,\nmarketability, and/or\neligibility\n\nFind more information on our websites\nfanniemae.com/uad\nsf.freddiemac.com/uad\n\nThe UMDP is an effort undertaken jointly by Freddie Mac and Fannie Mae\nat the direction of the Federal Housing Finance Agency.\n\nThe URAR\nData-Driven\n Output\n\n• Reports only\nrelevant data\n\n• Dynamic based on input\n\n• Easy-to-read appraisal\n\nanalysis and conclusion\n\n• Standardized, well-\nstructured, readable\n\n• Discrete data, pertinent\n\ncommentary, and\nphotos contained in\nthe relevant sections,\ndesigned to reduce\nreliance on addenda\n\nSales_Comp_Approach_SFS1_mv27_sv38\nUniform Residential Appraisal Report\n\nSales Comparison Approach\n\nSubject Property\n\nGeneral Information\nProperty Address\n\n123 Fallen Oak Ct.\nSmallville VA 12345\n"} diff --git a/chunks/json/83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda.json b/chunks/json/83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda.json new file mode 100644 index 0000000000000000000000000000000000000000..a7603f5532de83af11024d7a7111f738190ee0a4 --- /dev/null +++ b/chunks/json/83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1206481,"char_start":1204857,"chunk_id":"chk_a249774bbbe15af7","chunk_index":717,"chunk_sha256":"83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='PorchDeck']/@_Description\n\n20\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='PorchDeck']/@_Amount\n\n10\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum 2-94 of this field and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nIf field 2-39 is populated, then this field should\nbe populated.\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nR\n\nCR\n\nR\n\nCR\n\nT\n\nCR\n\nT\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH\nER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/\n@PropertyFeatureDescription\n\n20\n\nString\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 199 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"} diff --git a/chunks/json/83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c.json b/chunks/json/83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c.json new file mode 100644 index 0000000000000000000000000000000000000000..927c3bb00a42ae60d146ffe306d1abbcc5022231 --- /dev/null +++ b/chunks/json/83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39755,"char_start":39289,"chunk_id":"chk_14888aea9215b946","chunk_index":59,"chunk_sha256":"83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c","token_estimate":416,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unit Interior Commentary ........................................................................................................................................................................................................ 194\n\nUnit Interior Exhibits ................................................................................................................................................................................................................ 194\n"} diff --git a/chunks/json/83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522.json b/chunks/json/83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522.json new file mode 100644 index 0000000000000000000000000000000000000000..1a24344cbee4ac41abfbd5a3a8164519cd52d11a --- /dev/null +++ b/chunks/json/83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522.json @@ -0,0 +1 @@ +{"chunk":{"char_end":165298,"char_start":163320,"chunk_id":"chk_031993dc71085ec2","chunk_index":96,"chunk_sha256":"83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522","token_estimate":495,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\n\nA value of 'Y' indicates that there is a driveway. A value of 'N' indicates the\nbox was not checked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\n20\n\nString\n\nThis field should contain a description of the driveway surface.\n\n1\n\n2\n\n1\n\n2\n\n8\n\nBoolean\n\nA value of 'Y' indicates there is a garage. A value of 'N' indicates the box was\nnot checked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nBoolean\n\nA value of 'Y' indicates there is a carport. A value of 'N' indicates the box was\nnot checked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nEnumerated\n\nIf field 1-195 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-196, 1-\n199, 1-201 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n195 is not indicated, then at least one of fields\n1-196, 1-199, 1-201 should be indicated.\nIf field 1-195 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-196, 1-\n199, 1-201 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n195 is not indicated, then at least one of fields\n1-196, 1-199, 1-201 should be indicated.\n\nThis field should be populated if field 1-196\n(Car Storage Location Exists Indicator = 'Y'\nand Car Storage Location Type = 'Driveway')\nis indicated.\nIf field 1-195 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-196, 1-\n199, 1-201 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n195 is not indicated, then at least one of fields\n1-196, 1-199, 1-201 should be indicated.\n"} diff --git a/chunks/json/83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52.json b/chunks/json/83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52.json new file mode 100644 index 0000000000000000000000000000000000000000..2282b6fa2638d373ed6966745fd336e1c4efa9fb --- /dev/null +++ b/chunks/json/83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1226675,"char_start":1225014,"chunk_id":"chk_a6f1ac5519f24b5c","chunk_index":728,"chunk_sha256":"83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nSummary of Sales Comparison\nApproach\n\nSales Comparison\nComment\n\nA free-form text field used to describe or\ncomment on the on the Sales Comparison\napproach in valuating the subject\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/@_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nIndicated Value by: Sales\nComparison Approach $\n\nValue Indicated By\nSales Comparison\nApproach Amount\n\nThe dollar value of the subject property\nindicated by the Sales Comparison\napproach.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/@ValueIndicatedBySalesComparisonApproachAmount\n\n12\n\nMoney\n\n368\n\n369\n\n370\n\n2\n\n2\n\n2\n\n122\n\n123\n\n124\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis data is referenced more than once on the form (field 1-125), and must be\nrepresented consistently.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Reconciliation Section\nThis data is referenced more than once on the form (field 1-124), and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole dollars only\nThis data is referenced more than once on the form, and must be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only\nThis data is referenced more than once on the form, and should be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only\n\nShould be populated if there is an indicated\nvalue in field 3-37\n"} diff --git a/chunks/json/83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c.json b/chunks/json/83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c.json new file mode 100644 index 0000000000000000000000000000000000000000..9ca5fc2821966afe5d3e76e644ecb740ed709ff9 --- /dev/null +++ b/chunks/json/83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8497,"char_start":6880,"chunk_id":"chk_5a93d85924700c78","chunk_index":4,"chunk_sha256":"83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c","token_estimate":405,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"05.014\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\n05.015\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\n05.016\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\n05.017\n\n6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this\nappraisal update report and concur with the analysis and conclusions in the original appraisal.\n\n05.018\n\n7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nupdate was prepared.\n\n05.019\n\n8. I have updated the appraisal by incorporating the original appraisal report by reference.\n"} diff --git a/chunks/json/83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1.json b/chunks/json/83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1.json new file mode 100644 index 0000000000000000000000000000000000000000..a4da53136d3831b481c0c8ff378148c57091aab0 --- /dev/null +++ b/chunks/json/83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":260834,"char_start":259233,"chunk_id":"chk_bc43663a5020f781","chunk_index":152,"chunk_sha256":"83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Gro\nssLivingArea']/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Gross Living Area Only\nGross Living Area (GLA) must be reported in square feet.\n\n6\n\nString\n\nPDF Display Format:\nWhole numbers only\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nR\n\nR\n\nR\n\nThe sum of this field 2-80 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 63 of 211\n\nDocument Version 1.4\n\nSort ID\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 Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n336\n\n2\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n\n(Line 1)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n\nThe total area of the property\nimprovements below grade.\n\n337\n\n2\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n\n(Line 1)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n338\n\n2\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n\n(Line 1)\n"} diff --git a/chunks/json/83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb.json b/chunks/json/83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb.json new file mode 100644 index 0000000000000000000000000000000000000000..5b6dd60f1da71b4fe7737ded2102c6660eb9e3f5 --- /dev/null +++ b/chunks/json/83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19274,"char_start":14983,"chunk_id":"chk_e8bed43bdc8e023d","chunk_index":9,"chunk_sha256":"83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb","token_estimate":1121,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.md","exceeds_max_chunk_chars_truncated"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/13906\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUW1yxSAIvJCJR3IworXRkAq-vPT0Jclrp51-_UFYWGDRowg2h_eVGIOLuWjIFrqQ4-5rFuN_Lkm4YINifIHX3fpMIzzD3UzU0E5UV1pwER7jU4RhiERK-iW5QsJBshS8CkLrK5QxC9ahZJYvqIAvyNTE4F1KXub3xCM0R0_rC02zSz1PsxL4ArFCLoOq4qnlVTItFx4xHEpcw6TTVOot4_bgpEIelCS7Nk8n5mrmyZ6rHwOHiiHDoEZMgZ26uKAFdMO2W9U5UTEv74vYD8_wrrOq9cBoOm-B3eHa2KDiRm025xb2tNdpPwOVQtd7begjtWof74gFq152DCiqlUeG2_9FQin90asis_7Qt_xh3gBOJN8j\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/public-input\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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Publication ​of aggregate data from NMDB is a step toward implementing the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The statute requires FHFA to conduct a monthly mortgage market survey to collect data on the characteristics of individual mortgages, both Enterprise and​ non-Enterprise, and to make the data a​vailable to the public while protecting the privacy of the borrowers.​\n\n## ​Documentation\n\n[Data Dictionary and Technical Notes](/document/NMDB-Aggregate-Statistics-Data-Dictionary-Technical-Notes.pdf) (09/25/2025)\n\n[How to Convert CSV to Excel Pivot Table](/media/42416) (06/30/2023)\n\n[How to Import CSV Data into Tableau](/media/51511) (09/29/2023)\n\n## Dashboards\n\nThe NMDB Aggregate Statistics Dashboards provide interactive data visualization tools for using the data published in the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables.\n\nNMDB Aggregate Statistics Dashboards Link Release Date New Residential Mortgage Statistics [Dashboard](/data/dashboard/nmdb-new-residential-mortgage-statistics) 12/30/2025 Outstanding Residential Mortgage Statistics [Dashboard](/data/dashboard/nmdb-outstanding-residential-mortgage-statistics) 12/30/2025 Residential Mortgage Performance Statistics [Dashboard](/data/dashboard/nmdb-residential-mortgage-performance-statistics) 12/30/2025 ## ​Datasets\n"} diff --git a/chunks/json/841261ee3208ebf46debef3f18007ed0c171fc9350ca18c0102adfdb482d5362.json b/chunks/json/841261ee3208ebf46debef3f18007ed0c171fc9350ca18c0102adfdb482d5362.json new file mode 100644 index 0000000000000000000000000000000000000000..0f6b3c9dc7e92855f7c0e88ba92bc44a01d67e59 --- /dev/null +++ b/chunks/json/841261ee3208ebf46debef3f18007ed0c171fc9350ca18c0102adfdb482d5362.json @@ -0,0 +1 @@ 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total number of continuous days\nfrom the date that a property is listed\nor advertised for sale through the date\nthat it is taken off the market or\ncontracted for sale.\n\nA free-form text field used to describe\nor comment on methods or other\nsources used to verify the accuracy of\nthe data source referenced in Data\nSource Description.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEDaysOnMarketDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@DataSourceVerificationDescription\n\n298\n\n2\n\n52\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale or Financing\n(Line 1)\n\nGSE Sale Type\n\nThe type of sale associated with the\nsubject or comparable property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSESaleType\n"} diff --git a/chunks/json/844cce8176f699606be65612fa2b1655e100a3e9996cc52c22cf051e70e3fbc8.json b/chunks/json/844cce8176f699606be65612fa2b1655e100a3e9996cc52c22cf051e70e3fbc8.json new file mode 100644 index 0000000000000000000000000000000000000000..549a7ec8fd4c72dd4262f772877bb78df206169b --- /dev/null +++ b/chunks/json/844cce8176f699606be65612fa2b1655e100a3e9996cc52c22cf051e70e3fbc8.json @@ -0,0 +1 @@ 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Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b.json b/chunks/json/8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b.json new file mode 100644 index 0000000000000000000000000000000000000000..51544935662e67e252a5d74d021bb7906255aade --- /dev/null +++ b/chunks/json/8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3307,"char_start":1680,"chunk_id":"chk_fc357032f3e1ee09","chunk_index":1,"chunk_sha256":"8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Character\n\nDue to potential disclosure\nissues, FHFA cannot provide\n2020 census tract values for\nthese records.\n\nAllowable\nValues\n\nCharacters 1-2:\nState\nCharacters 3-5:\nCounty\nCharacters 6-11:\nTract\n\nDisclosure\nAvoidance\nMethod\nthat county in\nthe year of that\nappraisal.\n\nCensus Tract\nsuppressed when\nfewer than 11\nappraisals\nrecords exist in\nthat Census Tract\nin the year of\nthat appraisal.\n\nstate_fips_2020\n\n2020 Census State FIPS\nCode\n\n2020 Census State Federal\nInformation Processing System\n(FIPS) Code (e.g., 02, 15)\n\nCharacter\n\nCharacters 1-2:\nState\n\ncounty_fips_2020\n\n2020 Census County FIPS\nCode\n\n2020 Census County FIPS Code\n(e.g., 01001, 13005)\n\nCharacter\n\nCharacters 1-2:\nState\nCharacters 3-5:\nCounty\n\nCounty is\nsuppressed when\nfewer than 11\nappraisals\nrecords exist in\nthat county in\nthe year of that\nappraisal.\n\nDerived Field\n\nDerived Field\n\nDerived Field\n\ntract_fips_2020\n\n2020 Census Tract\n\nThe 2020 Census Tract for the\nsubject property for appraisals\nconducted in 2022.\n\nCharacter\n\nCharacters 1-2:\nState\nCharacters 3-5:\nCounty\n\nCensus Tract\nsuppressed when\nfewer than 11\nappraisals\n\nDerived Field\n\nFederal Housing Finance Agency\n\ninformation to\nreliably geocode the\naddress to a county.\n\nA missing tract\nnumber means either\ndata suppression or\nFHFA did not have\nsufficient address\ninformation to\nreliably geocode the\naddress to a census\ntract.\n\nA missing county\nnumber means either\ndata suppression or\nFHFA did not have\nsufficient address\ninformation to\nreliably geocode the\naddress to a county.\n\nA missing tract\nnumber means either\ndata suppression or\nFHFA did not have\n\n2\n\nUAD PUF Version 2.1 Data Dictionary\n"} diff --git a/chunks/json/846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac.json b/chunks/json/846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac.json new file mode 100644 index 0000000000000000000000000000000000000000..4c47ce308d4f846a9f21284d1e7492d82ba67df0 --- /dev/null +++ b/chunks/json/846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":921154,"char_start":919536,"chunk_id":"chk_8e09040488ae0b43","chunk_index":547,"chunk_sha256":"846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The 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='MonthlyFacilityFee']/@_Amount\n\n406\n\n3\n\n71\n\nSALES\nCOMPARISON\nAPPROACH\n\nCommon Elements\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='CommonElements']/@_Description\n\n407\n\n3\n\n72\n\nSALES\nCOMPARISON\nAPPROACH\n\nCommon Elements Adjustment\n\nSale Price\nAdjustment Amount\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='CommonElements']/@_Amount\n\n408\n\n3\n\n73\n\nSALES\nCOMPARISON\nAPPROACH\n\nand Rec. Facilities\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='RecreationFacilities']/@_Description\n\n409\n\n410\n\n3\n\n3\n\n74\n\n75\n\nSALES\nCOMPARISON\nAPPROACH\n\nand Rec. Facilities Adjustment\n"} diff --git a/chunks/json/84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3.json b/chunks/json/84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3.json new file mode 100644 index 0000000000000000000000000000000000000000..2069bbfaa9ea0888d39789e7128fa74bf991f1d8 --- /dev/null +++ b/chunks/json/84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88354,"char_start":87727,"chunk_id":"chk_0326874e218b6006","chunk_index":54,"chunk_sha256":"84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3","token_estimate":157,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf","below_target_min_tokens"]},"text":"information-guide\n\n• MISMO Residential Specifications:\n\no https://www.mismo.org/standards-and-resources/residential-specifications\n\n• MISMO XML Reference Model Schemas:\n\no https://www.mismo.org/standards-and-resources/residential-specifications/xml-schema\n\n• Supporting documents for the updated DU Spec\n\n• Test Cases for the updated DU Spec\n\n• Where should questions regarding implementation or the DU Spec be submitted?\n\no Questions should be submitted to ulad@fanniemae.com, for more information consult the\n\nweb page at http://www.fanniemae.com/urla\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n60\n"} diff --git a/chunks/json/848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08.json b/chunks/json/848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08.json new file mode 100644 index 0000000000000000000000000000000000000000..756f0fda769df199b874cecf5e7e91dcf99ea677 --- /dev/null +++ b/chunks/json/848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40520,"char_start":38909,"chunk_id":"chk_eafe2f7a077ea126","chunk_index":21,"chunk_sha256":"848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required if Vehicle\nStorage Type is\nDriveway or Shared\nDriveway\n\nChoose an\nallowable answer\nfrom table\n(Vehicle Storage\nAttachment Type)\n\nVehicle Storage Attachment Type: The way in which the indicated vehicle\nstorage is attached to the dwelling.\n•\n•\n•\n\nAttached\nBuilt-in (including below grade garages)\nDetached\n\nNumber of square\nfeet\n\nVehicle Storage Area\nNote: For detached garages that include other uses (ADUs or additional areas),\nonly report area that is specific to the vehicle storage.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDriveway Surface Material: The predominant driveway surface material.\n•\n•\n•\n•\n•\n•\n•\n\nAsphalt\nBrick\nConcrete\nCobblestone\nDirt\nGravel\nOther (Describe)\n\nKey Concepts\n\nDefining the Property\n\nUsing the new UAD, data - not a form number - drives the property type. The property type is determined using\ncharacteristics of the property, which provides flexibility and removes the conflict between atypical properties\nand a form number. This chapter provides a summary of the key data points that determine property type.\nReference the indicated Report Field ID for more information.\n\nAppendix F-1: URAR Reference Guide\n\nPage 13 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nUnits and ADUs\n\nDefining the Property (Units and ADUs)\n\nOverview\n\nReport\nField ID\n\n3.005\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nUnits Excluding\nADUs\n\nAlways required\n\nNumber\n\n3.006\n\nAccessory\nDwelling Units\n\nAlways required\n\nNumber\n\n10.011 ADU\n\nAlways required\n\nYes | No\n\nPUD, Project, and Site Owned in Common\n\n•\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e.json b/chunks/json/848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e.json new file mode 100644 index 0000000000000000000000000000000000000000..9e2e0d1a33583ab795181c4ffcb09c34de37d88a --- /dev/null +++ b/chunks/json/848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1625,"char_start":0,"chunk_id":"chk_bd6d837c5febf2ab","chunk_index":0,"chunk_sha256":"848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e","date_utc":"2026-01-27T17:46:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e3a016ca3e56fb55","text_sha256":"848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae1.md"]},"text":"---\ntitle: \"Uniform Appraisal Dataset | Fannie Mae\"\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:46:01.700Z\"\nselector: \".inner-container.rag-highlight-border\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Uniform_Appraisal_Dataset___Fannie_Mae1\"\n---\n\n- [Home](/)\n - [Delivering](/delivering)\n - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program)\n - Uniform Appraisal Dataset\n\nDelivering\n\n# Uniform Appraisal Dataset\n\nImproving the quality and consistency of appraisal data\n\nFannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.\n\n**Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users**\n\nMeet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD.\n\n[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae1_3_20people_20talking.svg)\n\n[Announcements](#uad-announcements)\n"} diff --git a/chunks/json/848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed.json b/chunks/json/848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed.json new file mode 100644 index 0000000000000000000000000000000000000000..70738ea73f5e372591de9ef0fe37a340ad8b752f --- /dev/null +++ b/chunks/json/848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1733,"char_start":0,"chunk_id":"chk_95c2a0a3da266a89","chunk_index":0,"chunk_sha256":"848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/libor-transition\"\ndate_accessed: \"2026-01-27T17:47:50.195Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994.json b/chunks/json/848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994.json new file mode 100644 index 0000000000000000000000000000000000000000..510330c6ec666c8e9ca082c324523704b3531cfe --- /dev/null +++ b/chunks/json/848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48606,"char_start":46807,"chunk_id":"chk_78757c1eafd6fb9a","chunk_index":28,"chunk_sha256":"848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994","token_estimate":450,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\n13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the\ncomparable sales for a minimum of one year prior to the date of sale of the comparable sale.\n\n14. I based my valuation on the available properties that are most similar to the subject property.\n\n15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been\nbuilt or will be built on the land.\n\n16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its\nproximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of\nthe property value and have reported on the effect of the conditions on the value and marketability of the subject property.\n"} diff --git a/chunks/json/84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d.json b/chunks/json/84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d.json new file mode 100644 index 0000000000000000000000000000000000000000..9f4ff3795f804c074abe2c33c89721ccf75fc4d4 --- /dev/null +++ b/chunks/json/84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":392478,"char_start":390872,"chunk_id":"chk_dc36bd4ea6ade0b8","chunk_index":311,"chunk_sha256":"84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 23 - 1\n\nPage 302\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 303\n\nComparable Rental Properties\n\nThe Comparable Rental Properties subsection always displays when the Rental Information section displays. It includes a thumbnail photo\nand information about the subject property and each rental comparable.\n\n• Each comparable rental represents a unit and not necessarily the entire comparable property.\n• A comparable rental unit can be compared to more than one subject property unit.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 304\n\nThe Comparable Rental Properties subsection displays in a grid with the Subject Property and up to 5 rental comparables Comparable # -\nPropertyOrdinalNumber (UID: 2000.0078, FID: 23.02.02). (Figure 23 - 2) If there are more than 5 rental comparables, display another grid\nwith Comparables 6 - 10, 11 - 15, etc.\n\nFigure 23 - 2\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSubject Property Information\n\nSubject property information in this subsection represents the subject property overall, regardless of how many units are included in Rental\nInformation.\n\nRental Information: Comparable Rental Properties – Subject Property Information\n\nReport\nField ID\n\nReport Label Unique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\n23.02.01.1\n\nNo label\n\n1400.0619\n\nImageCategoryType\n\nA thumbnail of the property photo for the subject property always displays here. It is delivered with\nImageCategoryType = “PropertyPhoto”. The subject property photo does not re-display in Rental\nInformation Exhibits.\n\n0100.0007\n\nAddressLineText\n\nRedisplays from 3.000\n\n1200.0052\n"} diff --git a/chunks/json/84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8.json b/chunks/json/84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8.json new file mode 100644 index 0000000000000000000000000000000000000000..213ec70a479af503ba4c7b35ce6ad5b717d359ed --- /dev/null +++ b/chunks/json/84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11658,"char_start":9980,"chunk_id":"chk_5322bc76c7bd1fd0","chunk_index":6,"chunk_sha256":"84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"## July 2024\n\n## 2024 Generative AI in Housing Finance TechSprint\n\n**Date:**7/22/2024​ - 7/25/2024\n\n**Time:**\n\n- 7/22/2024 10:30 AM EDT - 11:40 AM EDT\n- 7/25/2024 9:00 AM EDT - 12:30 PM EDT\n**Location:** Virtual​\n\n[More Information](/programs/fintech/techsprint/2024)\n\n## **2024 Duty to Serve Public Listening Sessions**\n\nThe listening sessions will be an opportunity to hear from stakeholders sharing their views and recommendations on the [Enterprises’ proposed 2025-2027 Duty to Serve Underserved Markets Plans](/programs/proposed-2025-2027-DTS-underserved-markets-plans).\n\n**Date:** 7/15/2024 - 7/17/2024\n\n**Time:**1:00 PM EDT - 4:00 PM EDT\n\n**Location:**Virtual\n\n[Day 1 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-rural-housing) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Rural Housing Market\n\n[Day 2 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-manufactured-housing) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Manufactured Housing Market\n\n[Day 3 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-affordable-housing-preservation) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Affordable Housing Preservation\n\n[More Information](/programs/2024-duty-serve-public-listening-sessions)\n\n---\n\n## June 2024\n\n## FHLBank and CDFI Symposium\n\nThis symposium will bring together non-depository CDFIs and representatives of the FHLBank System, providing an opportunity for CDFIs to learn more about the FHLBank System as well as for FHLBank leadership to gain a better understanding of CDFIs.\n"} diff --git a/chunks/json/84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2.json b/chunks/json/84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2.json new file mode 100644 index 0000000000000000000000000000000000000000..ae1a8b39f93026a87f2aab5580232946ce33f2db --- /dev/null +++ b/chunks/json/84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6928,"char_start":636,"chunk_id":"chk_bf7ed7f4a84f56bf","chunk_index":1,"chunk_sha256":"84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2","token_estimate":2617,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Table of Contents\nSB2-3-01, General Property Eligibility (12/10/2025) ......................................................................................................................................... 9\nSB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing (12/10/2025).......................................... 12\nSB2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates (06/04/2025) ................................................ 20\nSB2-3-04, Special Property Eligibility Considerations (12/10/2025) .............................................................................................................. 25\nSB2-3-05, Properties Affected by a Disaster (09/03/2025) .............................................................................................................................. 33\nSB3-3.1-08, Rental Income (10/08/2025) ........................................................................................................................................................ 35\nSB4-1.1-01, Definition of Market Value and Alternate Opinion(s) of Value (06/04/2025) .............................................................................. 44\nSB4-1.1-02, Lender Responsibilities (09/03/2025) .......................................................................................................................................... 46\nSB4-1.1-03, Appraiser Selection Criteria (06/04/2025) ................................................................................................................................... 48\nSB4-1.1-04, Unacceptable Appraisal Practices (06/04/2025) ......................................................................................................................... 51\nSB4-1.1-05, Disclosure of Information to Appraisers (06/04/2025) ................................................................................................................ 52\nSB4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP) (6/04/2025) ............................................... 54\nSB4-1.2-01, Appraisal Reports and Exhibits (12/10/2025) .............................................................................................................................. 55\nSB4-1.2-02, Desktop Appraisals (12/10/2025) ................................................................................................................................................ 59\nSB4-1.2-03, Hybrid Appraisals (12/10/2025) ................................................................................................................................................... 61\nSB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements (06/04/2025) ........................................................... 63\nSB4-1.2-05, Requirements for Verifying Completion and Postponed Improvements (12/10/2025) ............................................................ 65\nSB4-1.3-01, Review of the Uniform Residential Appraisal Report (06/04/2025) ............................................................................................. 72\nSB4-1.3-02, Subject Listing Information, Sales Contract, Prior Sale, and Transfer History (06/04/2025) .................................................... 73\nSB4-1.3-03, Market Section of the Uniform Residential Appraisal Report (06/04/2025) ............................................................................... 75\nSB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best Use (06/04/2025) .............................................................................. 78\nSB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report (12/10/2025) ...........................................\n"} diff --git a/chunks/json/84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7.json b/chunks/json/84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7.json new file mode 100644 index 0000000000000000000000000000000000000000..64a663f19c144d8196d0c2e5cfef446979c734a7 --- /dev/null +++ b/chunks/json/84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":342235,"char_start":340509,"chunk_id":"chk_2e2a8b10c879eb42","chunk_index":202,"chunk_sha256":"84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7","token_estimate":432,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The condition status of the other interior feature.\n•\n•\n•\n•\n•\nNotes:\n•\n\nIf there are varying condition statuses for the other interior feature,\nchoose the one that best explains the Interior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Unit Interior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Unit Interior) subsection.\n\n•\n\n•\n\n10.048 Condition\nComment\n\nFree-form\n\nIf needed to describe\nthe current condition\nof the other interior\nfeature\n\nA brief description of the current condition of the other interior feature as of\nthe effective date. For further expansion of commentary, use Unit Interior\nCommentary (10.061).\n\nWhen the item will cause the Market Value Condition of the appraisal (26.009)\nto be subject to repair, the appraiser must also reference the Apparent\nDefects, Damages, Deficiencies (Unit Interior) subsection.\n\nAllowable Answer\n\nNew or Like New\n\nOther Interior Feature Condition Status (Choose one for each Other Feature)\n\nDefinition / Additional Guidance\n\nThe feature is new or like new with no visible signs of use.\nNote: This would be the typical answer when New Construction (3.017) is Yes.\n\nTypical Wear and Tear\n\nThe feature is fully functional and exhibits minimal wear and tear, with visible signs of use.\n\nDamaged and Functional\n\nThe feature is damaged and exhibits moderate wear and tear but can still function as intended or designed.\n\nDamaged and Nonfunctional The feature is damaged and exhibits significant wear and tear to the level that it can no longer function as intended or\n"} diff --git a/chunks/json/84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9.json b/chunks/json/84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9.json new file mode 100644 index 0000000000000000000000000000000000000000..b2d80082d5f586ef92914c40213e421fdf1eaad9 --- /dev/null +++ b/chunks/json/84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":73394,"char_start":71417,"chunk_id":"chk_8e18dbf4198f823b","chunk_index":22,"chunk_sha256":"84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9","token_estimate":494,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\nLoans with adjustable\npayments not based on\nrate\n\nLoans with adjustable\npayments not based on\nrate\n\nLoans with adjustable\npayments not based on rate\n\nAdjustable Interest Rate\n(AIR) Table\n\nARM, Step Rate, Temp\nBuydown\n\nARM, Step Rate, Temp\nBuydown\n\nARM, Step Rate, Temp\nBuydown\n\nLoan Calculation\n\nOther Disclosures\n\nContact Information\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\nLender\n\nLender\n\nLender\n\nSettlement Agent\n\nSettlement Agent\n\nSettlement Agent\n\nAs applicable: Mortgage\nBroker\n\nAs applicable: Mortgage\nBroker\n\nAs applicable: Mortgage\nBroker\n\nReal Estate Broker (B) Real\nEstate Broker (S)\n\nReal Estate Broker (B)\nReal Estate Broker (S)\n\nOptional\n\nOptional\n\nOptional\n\n✓\n\n24.0\n\n25.0\n\nConfirm Receipt\n\nPayoffs and Payments\nTable (K)\n\nA. MODEL FORM\n\nThe term Model Form is used to refer to Exhibit H–25(A) Mortgage Loan Transaction Closing Disclosure—Model\nForm in the Regulation. Exhibit H-25(A) illustrates all possible sections of the form, regardless of transaction type\nor loan characteristic. In UCD, the Model Form is used only for purchase transactions. Unless otherwise noted,\nthe Appendix C excerpts used in this document are of the Model Form.\n\nAppendix E: UCD Implementation Guide\n\nPage 16 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIII. Closing Disclosure Variations – UPDATED\n\nB. SPLI T DI SCLOSURES - UPDATED\n\nThe Closing Disclosure must be presented as a “Split Disclosure” for the borrower and the seller if either party\nrequests it. With a Split Disclosure, two Closing Disclosures are created, separating borrower-only and seller-only\ninformation so that each party is provided with only the transaction data that pertains to them. Although the\nUCD Seller data delivery requirements are limited, Split Disclosures remain an acceptable alternative to using the\nModel Form. Sections 1. Closing Disclosure – Borrower Only and 2. Closing Disclosure – Seller Only - UPDATED\nillustrate how the Split Disclosures should be formatted and completed.\n"} diff --git a/chunks/json/84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17.json b/chunks/json/84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17.json new file mode 100644 index 0000000000000000000000000000000000000000..829f60dfea5096b878107886d0dd9c2587bb2a2c --- /dev/null +++ b/chunks/json/84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8499,"char_start":6797,"chunk_id":"chk_82b81dcc4fe8005b","chunk_index":7,"chunk_sha256":"84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":" An overview of data relationship concepts that may be used in the MISMO Data Standards\n\nVersion 3.4. These include relationship concepts for One-to-One, One-to-Many and Many-to-\nMany as well as an explanation of different types of relationships (Reflexive and Irreflexive).\nThis section was copied from the MISMO Version 3 Reference Model General Information\nGuide.\n\n An overview of the use of the W3C standard, XLink, used for communicating the different data\nrelationships that can be used within the MISMO Data Standards. This section was copied from\nthe MISMO Version 3 Reference Model General Information Guide.\n\n An explanation of the each data relationship used in the ULAD.\n An XML data example including each of the data relationships that are possible within the\n\nULAD.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 6 of 29\n\nVersion 1.1\n\n___________\n\n_ ___\n\nData Relationships\n\nDATA RELATI ONSHI PS\n\nThis section was copied from the MISMO Version 3 Reference Model General Information Guide.\n\nProviding a list of mortgage industry data elements and their definitions is an important feature of the\nMISMO Reference Model. Equally important is how the Reference Model Schema defines the\nrelationships between those data elements. Source and target data elements in a relationship are\ngenerally referred to as end points. The following types of relationships are supported in the Reference\nModel.\n\nONE-T O-ONE RELAT IONSHIP\n\nA One-to-One Relationship is one in which any given instance of the source element may only be\nassociated with one instance of the target element, and no two instances of the source element are\nassociated with the same instance of the target element.\n"} diff --git a/chunks/json/84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918.json b/chunks/json/84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918.json new file mode 100644 index 0000000000000000000000000000000000000000..d7e3611013f3099698bd805604d6896e70585980 --- /dev/null +++ b/chunks/json/84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3853,"char_start":1881,"chunk_id":"chk_9e1fd405b34a2211","chunk_index":1,"chunk_sha256":"84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918","date_utc":"2026-01-27T18:10:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6285a13a61bf13fa","text_sha256":"84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918","token_estimate":493,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123113.pdf"]},"text":"Page 1 of 5\n\nColumn\n31 SellType\n\n32 NumBor\n33 First\n\n34 CICA\n\n35 BoRace\n\n36 CoRace\n\n37 BoSex\n\n38 CoSex\n\n39 BoAge\n\n40 CoAge\n\n41 Occup\n\n42 NumUnits\n43 Bed1\n\n44 Bed2\n\n45 Bed3\n\n46 Bed4\n\n47 Aff1\n\n48 Aff2\n\nAMA_PUDB_Definitions_123113.xlsx\n\nDefinition\nType of Acquiring Lender Institution\n1=Insured depository institution;\n2=Housing Associate;\n3=Insurance Company\nNumber of Borrowers\nFirst Time Home Buyer\n1=yes;\n2=no\nMortgage Purchased under the Banks' Community Investment Cash Advances (CICA)\nPrograms\n1=AHP;\n2=CIP;\n3=Other CICA\n9=Not Applicable; Not Purchased under AHP, CIP, or CICA\nBorrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application\nCo-borrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application;\n8=No Co-Borrower\nBorrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application\nCo-Borrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application;\n4=No Co-Borrower\nAge of Borrower in years\n99=Not provided by applicant in mail or telephone application\nAge of Co-Borrower in years\n98=No Co-Borrower;\n99=Not provided by applicant in mail or telephone application\nOccupancy Code\n1=Principal residence/owner-occupied;\n2=second home;\n3=investment property (rental)\nNumber of Units\nUnit1--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit2--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit3--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit4--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit1--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n"} diff --git a/chunks/json/84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079.json b/chunks/json/84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079.json new file mode 100644 index 0000000000000000000000000000000000000000..c839bd00d10ec6e980dbac6279e4162e701bb79b --- /dev/null +++ b/chunks/json/84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33719,"char_start":32888,"chunk_id":"chk_84906ce254814ebd","chunk_index":35,"chunk_sha256":"84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079","token_estimate":425,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Outbuilding Commentary\n\n(cid:24)(cid:17)(cid:19)(cid:21)\n\n(cid:20)(cid:21)\nOutbuilding Exhibits\n\n(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:21)(cid:25)(cid:17)(cid:20)(cid:3)(cid:95) (cid:20)(cid:21)(cid:17)(cid:19)(cid:21)(cid:25)\n\n(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"} diff --git a/chunks/json/84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619.json b/chunks/json/84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619.json new file mode 100644 index 0000000000000000000000000000000000000000..97112f5e43492c8b8a74c6fb18e499b37fca9f25 --- /dev/null +++ b/chunks/json/84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20446,"char_start":18846,"chunk_id":"chk_f8a1b71e124067e7","chunk_index":11,"chunk_sha256":"84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Listing Type\nMLS\n\nListing ID\nDC-687541\n\nStart Date\n07/23/2019\n\nEnd Date\n08/22/2019\n\nDOM\n30\n\nTotal DOM 30\n\nStarting\nList Price\n$585,000\n\nCurrent or\nFinal List Price\n$585,000\n\nAnalysis of Subject Property Listing History The subject property was marketed on the local Multiple Listing Service for a total of 30 days\nbefore accepting a contract offer; this time frame meets current market norms. No other recent listings of the subject were discovered during\nmy research.\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$585,000\n08/23/2019\nTypically Motivated\nNo\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nThe contract was accepted 8/23/2019; the buyer has deposited a check in the amount of $10,000.\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property A search of local MLS reveal no recent listings or transfers of the subject\nproperty.\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nData Source\nMLS\n\nDate\n10/28/2018\n"} diff --git a/chunks/json/84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d.json b/chunks/json/84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d.json new file mode 100644 index 0000000000000000000000000000000000000000..a182c49bbc7a9d2bdbc01d6a75c99eb0bafeb435 --- /dev/null +++ b/chunks/json/84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":83182,"char_start":81310,"chunk_id":"chk_f5bb1547a2912608","chunk_index":45,"chunk_sha256":"84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d","token_estimate":468,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":" ROLE: The ROLE_DETAIL child container holds the identification of the role the\n\nparty is playing in the transaction: the value in the data point PartyRoleType, for\nexample, “Borrower.” ROLE has child containers that match certain values of\nPartyRoleType in order to communicate additional detail about that particular\nparty role. Only one detail container can be selected for each PartyRoleType\nwithin ROLE_DETAIL—the one that matches the value in PartyRoleType—in this\ncase, BORROWER.\n\nROLE / ROLE_DETAIL / PartyRoleType = “Borrower”\n\nROLE / BORROWER\n\nNotes: The PARTY container is constructed to enable the capture of multiple roles\nfor a given party to a transaction. However, the GSEs' implementation of\nthe Reference Model in the ULDDS limits the number of roles a party can\nplay to one per instance of the PARTY container.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 34 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nE. Characteristics: Container Attributes\n\nAttributes are specified for certain V3.0 Reference Model containers and data points (see\nSection III-C. Attributes). Attributes at the container level qualify the entire container and\nall data points within that container. The GSEs are using only two container attributes in\nULDDS Appendix A—MISMO Reference Model Identifier and Loan Role Type.\n\nThe LOAN container within the MISMO V3.0 Reference Model can be qualified with an\nattribute called “LoanRoleType.” The LoanRoleType attribute identifies the loan data in\nthe qualified LOAN container as either a “SubjectLoan” or a “RelatedLoan” and is required\nwith every instance of LOAN. Together with the value in LoanStateType (discussed in the\nnext section), LoanRoleType richly defines the data points in each instance of LOAN.\n"} diff --git a/chunks/json/85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500.json b/chunks/json/85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500.json new file mode 100644 index 0000000000000000000000000000000000000000..3c76906c93d546504d35a71d143a28234e3a7833 --- /dev/null +++ b/chunks/json/85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1603,"char_start":0,"chunk_id":"chk_9016dbad8fdf9b1b","chunk_index":0,"chunk_sha256":"85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Single Family Scenario (SF5)\nDocument Version 1.1\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n09/17/2024\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a single-family detached ranch-style home with 1,260 square feet on one level. There is\na driveway and a deck.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\no Client/Lender\no Appraiser\n\n• Assignment Reason: Refinance\n• Property Valuation Method: Traditional Appraisal\n• Construction Method: Site Built\n• Appraisal is made As Is, with no Defects, Damages, or Deficiencies\n• Sales Comparison Approach section includes Additional Properties Analyzed Not Used\n• Revision History including Borrower-Initiated Reconsideration of Value\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n213 TREE STAND RD, ANYTOWN, MD 09992\n\nSUMMARY\n\nOpinion of Market Value\n\n$350,000\n\nMarket Value Condition\n"} diff --git a/chunks/json/851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3.json b/chunks/json/851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3.json new file mode 100644 index 0000000000000000000000000000000000000000..35b70289fe6c8475ba9ab03e98b47c848bde3d04 --- /dev/null +++ b/chunks/json/851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":47458,"char_start":45844,"chunk_id":"chk_0d4822a21fe32601","chunk_index":28,"chunk_sha256":"851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 26 of 29\nPage 26 of 29\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\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,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124.json b/chunks/json/8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124.json new file mode 100644 index 0000000000000000000000000000000000000000..1dcdcc6f47995577ea8b1058f87ef6dac89956f6 --- /dev/null +++ b/chunks/json/8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124.json @@ -0,0 +1 @@ +{"chunk":{"char_end":59543,"char_start":58391,"chunk_id":"chk_61a0ce6c603055b3","chunk_index":61,"chunk_sha256":"8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124","token_estimate":616,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSales Comparison Map\n\n(cid:21)(cid:21)(cid:17)(cid:20)(cid:27)(cid:17)(cid:19)(cid:20)(cid:17)(cid:20)\n\nAppraisal Version #\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\n(cid:32)(cid:59)(cid:51)(cid:48)(cid:61)(cid:67)(cid:56)(cid:76)(cid:29)(cid:44)(cid:70)(cid:51)(cid:42)(cid:44)(cid:59)(cid:72)(cid:51)(cid:34)(cid:53)(cid:76)(cid:16)(cid:64)(cid:64)(cid:67)(cid:34)(cid:51)(cid:70)(cid:34)(cid:53)(cid:76)(cid:29)(cid:44)(cid:64)(cid:61)(cid:67)(cid:72)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:7)(cid:76)\n"} diff --git a/chunks/json/8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4.json b/chunks/json/8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4.json new file mode 100644 index 0000000000000000000000000000000000000000..8dac04081223754ee9c652f9aa61ad2cf4644c37 --- /dev/null +++ b/chunks/json/8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":90638,"char_start":88618,"chunk_id":"chk_cfa1fbd92b472cb9","chunk_index":32,"chunk_sha256":"8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4","token_estimate":505,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID\n\n11.4\n\n12.4\n\n25.1\n\n19.2.1\n\n19.3.1\n\n20.1\n\n20.6\n\nGSE\n\nXML\n\nData Point Context\n\nEXTENSION Data Point\n\nEnumeration\n\n…/LIABILITY/LIABILITY_DETAIL/EXTE\nNSION/OTHER\n\ngse:IntegratedDisclosureS\nectionType\n\nDueFromBorrowerAtClosing\n\nPaidAlreadyByOrOnBehalfOf\nBorrowerAtClosing\n\nPayoffsAndPayments\n\ngse:LiabilitySecuredBySubj\nectPropertyIndicator\n\nfalse | true\n\n…/PAYMENT/PAYMENT_RULE/EXTE\nNSION/OTHER\n\ngse:TotalOptionalPayment\nCount\n\ngse:TotalStepPaymentCou\nnt\n\ngse:TotalStepCount\n\n…/INTEREST_RATE_ADJUSTMENT/I\nNTEREST_RATE_LIFETIME_ADJUST\nMENT_RULE/EXTENSION/OTHER\n\n…/BUYDOWN/BUYDOWN_RULE/EX\nTENSION/OTHER\n\ngse:BuydownReflectedInN\noteIndicator\n\nfalse | true\n\n…/LOAN/LOAN_DETAIL/EXTENSION\n/OTHER\n\ngse:SubordinateFinancingI\nsNewIndicator\n\nfalse | true\n\n…/DOCUMENT/SYSTEM_SIGNATUR\nES/SYSTEM_SIGNATURE/EXTENSIO\nN/OTHER\n\n../DOCUMENT/DOCUMENT_CLASSI\nFICATION/DOCUMENT_CLASSIFICA\nTION_DETAIL/EXTENSION/OTHER\n\ngse:XMLDigitalSignatureEl\nement\n\ngse:DocumentSignatureRe\nquiredIndicator\n\n4. TO SUPPORT DATA RELATI ONSHI PS\n\nThe XML attributes for the XLink function are included in Appendix I to establish relationships—link information\nbetween--sibling containers. Relationship data point requirements are discussed in detail in 23.0 A. Contact\nTable Relationships in the UCD File and 24.0 A. Borrower and Seller Relationships to Signature Line.\n\n5 This data is included in MISMO v3.4.\n\nAppendix E: UCD Implementation Guide\n\nPage 26 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\n5. APPENDI X I EXCERPT\n\nThe UCD file must include information for the receiving system to know how to translate the file, who sent it and\nwhen it was created, and what type (or types) of payload it has. The UCD file includes not only the data used to\npopulate the Closing Disclosure, but also data identifying the Closing Disclosure variation and either one or two\nClosing Disclosure views. Table 5 shows the file and document metadata that must be included in the UCD file.\nOnly one Closing Disclosure Data Point is included:\n"} diff --git a/chunks/json/85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2.json b/chunks/json/85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2.json new file mode 100644 index 0000000000000000000000000000000000000000..60d154f3e378ec9fa61e1fe0e381d3b9dd1fedb6 --- /dev/null +++ b/chunks/json/85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":71376,"char_start":69767,"chunk_id":"chk_ef45ec9862ebbb69","chunk_index":38,"chunk_sha256":"85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Table IV-1. Definitions of High-Level Containers\n\nMESSAGE\n\n.ABOUT_VERSIONS\n\n..ABOUT_VERSION\n\n.DEAL_SETS\n\n..DEAL_SET\n\n…DEALS\n\n….DEAL\n\n….:ASSETS\n\n….:.ASSET\n\n….:COLLATERALS\n\n….:.COLLATERAL\n\nThe root (highest level) container in the MISMO V3.0\nReference Model.\n\nCaptures the version number of the receiving GSE’s\nImplementation Guide for Loan Delivery Data used to\ncreate the loan delivery XML file.\n\nHolds a collection of DEAL containers that may or may\nnot be related.\n\nEach DEAL container holds the data pertaining to the\nsale of one unique loan.\n\nBorrower asset and asset documentation information.\nThis container is optional for the first release.\n\nCaptures information about the property that secures\nthe delivered loan. Only one COLLATERAL container\nshould be submitted.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 28 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nTable IV-1. Definitions of High-Level Containers\n\n….:..PROPERTIES\n\n….:…PROPERTY\n\n….:LOANS\n\n….:.COMBINED_LTVS\n\n….:..COMBINED_LTV\n\n….:.LOAN\n\n….:PARTIES\n\n….:.PARTY\n\n….:..ROLES\n\n….:…PARTY_ROLE_\nIDENTIFIERS\n\n….:…ROLE\n\n…INVESTOR_FEATURES\n\n….INVESTOR_FEATURE\n\n…PARTIES\n\n….PARTY\n\n….:ROLES\n\nThe data submitted should be the most up-to-date data\nknown about the subject property at the time of\ndelivery. Only one PROPERTY container should be\nsubmitted.\n\nContains multiple instances of LOAN that together\nprovide all data points needed to define the delivered\nloan and any supporting information from associated\nrelated loans.\n"} diff --git a/chunks/json/85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326.json b/chunks/json/85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326.json new file mode 100644 index 0000000000000000000000000000000000000000..f81004661babbed0798ffe4b1d655bfd7f65024b --- /dev/null +++ b/chunks/json/85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326.json @@ -0,0 +1 @@ +{"chunk":{"char_end":154790,"char_start":153128,"chunk_id":"chk_8dfde5df7a9056de","chunk_index":84,"chunk_sha256":"85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"You paid these Closing Costs\nbefore closing\n\nUCD v2.0 Implementation Guide\n\n- 66 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 36. UCD v2.0 Spec Excerpt - Cash to Close Item – Refinance Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n9.079\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.080\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n0.00\n\n435.00\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\nClosingCostsPaidBeforeClosing\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n\n9.081\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndi\ncator\n\ntrue\n\n9.082\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n\nSee Payoffs and Payments (K)\n\n9.079\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.080\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n-120000.00\n\n-115000.00\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\nPayoffsAndPayments\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n\n9.080\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n5322.00\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\nClosingCostsFinanced\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n"} diff --git a/chunks/json/855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7.json b/chunks/json/855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7.json new file mode 100644 index 0000000000000000000000000000000000000000..50cb572ad3af8dac68a74a0b43cbee9ae25c4e75 --- /dev/null +++ b/chunks/json/855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2068,"char_start":0,"chunk_id":"chk_dccbf434531dc75a","chunk_index":0,"chunk_sha256":"855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7","token_estimate":517,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf"]},"text":"Desktop Underwriter Validation Service Release Notes\n\nMarch 6, 2024\n\nOn March 29, 2024, Fannie Mae will update the Desktop Underwriter® (DU®) validation service to allow for the digital validation of\nincome and employment for casefiles submitted to DU which reference an eligible third-party asset verification report. This\nupdate will apply to new casefiles created on or after March 29, 2024.\n\nNote: This enhancement is an option available to all lenders, though lenders must opt-in to be activated to have\naccess to this functionality. DO lenders need their sponsoring lenders to opt in to receive this functionality.\n\nIncome and Employment Validation using Asset Verification Reports\n\nThe DU validation service is being updated to allow for income and employment validation using an asset verification report. This\nis the same asset verification report that can already be used to obtain asset validation and to enhance the credit risk assessment.\n\nThe new capability compares borrower income (wage and non-wage) and employment information in the loan application\nagainst deposits in an asset verification report’s transaction history. When a recurring deposit can be matched to a borrower’s\nincome source, DU will validate the income when the income value calculated by DU supports the income provided by the lender\non the loan application. Employment may also be validated when income can be calculated for the borrower’s wage income even\nif the calculated amount cannot be used to validate the lender provided income amount.\n\nWhen income or employment is validated using an asset verification report, lenders receive relief from enforcement of related\nrepresentations and warranties if the loan closes by the date specified in the DU messages and all other conditions of the DU\nvalidation service are met. The close-by-date in DU for income validation is equal to 4-months from the “current-as-of” date (the\neffective date of the report data) of the asset verification report. Similarly, the close-by-date for employment validation is equal to\n15 calendar days.\n"} diff --git a/chunks/json/857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e.json b/chunks/json/857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e.json new file mode 100644 index 0000000000000000000000000000000000000000..7f677593635bf71191069fc930a588fc6a60a078 --- /dev/null +++ b/chunks/json/857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":382895,"char_start":381278,"chunk_id":"chk_923642ab039f66bd","chunk_index":220,"chunk_sha256":"857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Physical\nPhysical\n09/20/2019\n\nSignificant Real Property Appraisal Assistance\n\nName\n\nAndrew Appraiser\n\nCredentials\n\nLevel\n\nNone\n\nDescription Andrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring\nproperty, and did an exterior inspection of the comparables from the street.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n123 Falling Tree Ct\nTreeville, VA 12345\nArboreal\nSunnyside\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nCheck #A\n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nLot 53 Sunnyside Subdivision\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 3 of 21\nPage 3 of 21\n\nSite\n\nTotal Site Size\n\n14,950 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\n1234-56-7891-000\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n14,950 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR10\nResidential - 10 Dwelling Units\nper Acre\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n"} diff --git a/chunks/json/857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e.json b/chunks/json/857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e.json new file mode 100644 index 0000000000000000000000000000000000000000..16c3383049110a3c23ba1cde3bb03456ff4d3fbb --- /dev/null +++ b/chunks/json/857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":141030,"char_start":139425,"chunk_id":"chk_b42e777e2d75167a","chunk_index":81,"chunk_sha256":"857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes (2 or more parcels share a common boundary).\nNo (the parcels are divided).\n\n4.004\n\nElements\nDividing Parcels\n\nRequired if Parcels\nContiguous is No\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nThe elements that separate non-contiguous parcels.\n•\n•\n•\n•\n\nBody of Water\nOther Parcel\nRoad\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 55 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nInformation for Each Parcel\n\nReport\nField ID\n\n4.005\n\nReport Label\n\nWhen to Include\n\nAssessor Parcel\nNumber (APN)\n\nRequired for each\nparcel if the property\nis not in a cooperative,\nor if applicable when\nthe property is in a\ncondop.\n\n4.006\n\nAPN Description Required for each\n\nparcel if the property\nis not in a cooperative,\nor if applicable when\nthe property is in a\ncondop.\n\nSite: Information for each Parcel\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nA number assigned to parcels of real property by the local jurisdiction for\npurposes of identification, record-keeping, and taxation.\nNote: If the APN is not yet assigned, enter “Not Assigned”.\n\nChoose an\nallowable answer\nfrom table (APN\nDescription)\n\nA description of the use of the land. An APN is required for each parcel that is\nincluded in the valuation when one has been assigned by the local taxing\nauthority.\n•\n•\n•\n•\n•\n•\n•\n•\n\nLand with Dwelling\nCondominium Unit\nLand with Improvement\nVacant Land\nBoat Slip\nParking\nStorage\nOther (Describe)\n\nNot on\nReport\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\n4.007\n\nParcel Size\n\nIf available for each\nparcel\n\nFree-form\n"} diff --git a/chunks/json/85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf.json b/chunks/json/85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf.json new file mode 100644 index 0000000000000000000000000000000000000000..4b87fb34135867e326377a8cd35e3159dbc31858 --- /dev/null +++ b/chunks/json/85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_19309d17b4f4d554","chunk_index":0,"chunk_sha256":"85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1eaa5614f4ca2d0","text_sha256":"85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Data___FHFA_j61nd8.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data\"\ndate_accessed: \"2026-01-27T17:50:58.637Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d.json b/chunks/json/8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d.json new file mode 100644 index 0000000000000000000000000000000000000000..7ef233e5d7359fb424e2f4f7a71037f382a1811b --- /dev/null +++ b/chunks/json/8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5171,"char_start":3341,"chunk_id":"chk_34c5163750c0db4f","chunk_index":2,"chunk_sha256":"8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d","token_estimate":458,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2021.pdf"]},"text":"Number of Borrowers\nNumeric code indicating whether borrower is a first\ntime homebuyer. 0 = No, 1 = Yes\nNumeric code indicating the race of the Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby Borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership)\n\n26\n\nBorrower2Race1Type\n\nCoRace\n\nBorrower2 Race1 Type\n\n27\n\nBorrower1SexType\n\nBoSex\n\nBorrower1 Sex Type\n\n28\n\nBorrower2SexType\n\nCoSex\n\nBorrower2 Sex Type\n\n29\n\nBorrower1AgeAtApplicationYears\n\nBoAge\n\nBorrower1 Age at Application Years Count\n\n30\n\nBorrower2AgeAtApplicationYears\n\nCoAge\n\nBorrower2 Age at Application Years Count\n\n31\n\nPropertyUsageType\n\nOccup\n\nProperty Usage Type\n\nPropertyUnitCount\n\n32\n33 NoteRatePercent\n34 NoteAmount\n35 HousingExpenseRatioPercent\n\nNumUnits\nRate\nAmount\nFront\n\nProperty Unit Count\nNote Rate Percent\nNote Amount\nHousing Expense Ratio Percent\n\n36\n\nTotalDebtExpenseRatioPercent\n\nBack\n\nTotal Debt Expense Ratio Percent\n\n37\n\nBorrower1CreditScoreValue\n\nBoCreditScor\n\nBorrower 1 Credit Score Value\n\n38\n\nBorrower2CreditScoreValue\n\nCoBoCreditScor\n\nBorrower 2 Credit Score Value\n\n39\n\nPMICoveragePercent\n\nPMI\n\nPMI Coverage Percent\n\nNumeric code indicating the race of the Co-Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership),\n8=No Co-Borrower\n\nNumeric code indicating the sex of the first or primary\nborrower. 1=Male, 2=Female, 3=Information not\nprovided by borrower, 4=Not Applicable (First or\nprimary borrower is an institution, corporation or\npartnership), 6=Indeterminate Value\n"} diff --git a/chunks/json/85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a.json b/chunks/json/85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a.json new file mode 100644 index 0000000000000000000000000000000000000000..1ede04210e91504262f8afca38cff9aa5bec52ce --- /dev/null +++ b/chunks/json/85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18058,"char_start":16438,"chunk_id":"chk_8cc11506fa20892f","chunk_index":10,"chunk_sha256":"85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a","token_estimate":405,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TXR-B\n\nLevels in Unit\nFloor Number\nCorner Unit\nOccupancy\nUtilities Separately Metered\nUtilities Operating\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\nNon-Residential Use in Unit\nLive/Work Space\n\nAllowable Work Space\n\nTXR-B\nTXR-I\n\nLevel in Unit\n\nGrade Level Detail\n\nFinish\n\nArea\n\nRoom Summary\n\nTXR-B\nTXR-I\n\nTXR-I\n\nTXR-B\nTXR-B\n\nCK1\n\nTXR-I\nTXR-II\nTXR-I\n\nTXR-I\n\nH2\n\nTCH\nTB\n\nH1\n\nQuality and Condition\n\nTXR-B\n\nInterior Quality Rating\n\nTXR-B\n\nInterior Condition Rating\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\n\nUpdate Status\n\nTime Frame\n\nQuality Comment\n\nCondition Status\n\nCondition Comment\n\nTXC-I\n\nH2\n\nTCH\nTB\n\nOverall Update Status for\nBathrooms\n\nTXR-B\n\nH2\n\nInterior Features\n\nFeature\n\nTCH\nTB\n\nOverall Update Status for\nFlooring\n\nTXR-B\n\nDetail\n\nQuality Comment\n\nCondition Status\n\nCondition Comment\n\nAccessibility Features for Individuals with Disabilities\n\nFeature\n\nComment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier])\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nUnit Interior Commentary\n\nUnit Interior Exhibits\n\nH1\n\nTCH\nTB\n\nH1\n\nTXC-I\n\nTCH\nTB\n\nH1\nTXC\n\nH1\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025.json b/chunks/json/85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025.json new file mode 100644 index 0000000000000000000000000000000000000000..3cdf1a57becd2eb0ed57fb2f82b1c64a8c555fbc --- /dev/null +++ b/chunks/json/85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10475,"char_start":8855,"chunk_id":"chk_96e7f1119d5eec41","chunk_index":5,"chunk_sha256":"85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf77b94d152cdbdc","text_sha256":"85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2019.pdf"]},"text":"1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership); 5=No Co-Borrower\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n"} diff --git a/chunks/json/85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6.json b/chunks/json/85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6.json new file mode 100644 index 0000000000000000000000000000000000000000..ab9c917f3bf96e245adade7020cd8d1200f13550 --- /dev/null +++ b/chunks/json/85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29735,"char_start":28066,"chunk_id":"chk_91439d8448357917","chunk_index":32,"chunk_sha256":"85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"-\n\nentire row.\nImages for the repair item must be provided and display in\nCompletion Report Exhibits\n\nDisplay for each repair item\n- When items are not related to kitchens or baths, use\n\nDefectItemLocationType = “Other” and describe the location in\nDefectItemLocationTypeOtherDescription (UID: 3900.0162, FID:\n03.002)\n\n03.003\n\nDescription\n\n3900.0011 DefectItemDescription\n\nDisplay for each repair item\n\nPage 20\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: Itemized List of Repairs (Figure 03 - 1)\n\n03.004\n\nAffects Soundness or\nStructural Integrity\n\n3900.0012\n\n03.005\n\nRepair Completed\n\n3900.0016\n\n03.006\n\nInspection Date\n\n3900.0017\n\n03.007\n\nCompletion Comment\n\n3900.0018\n\nDefectItemAffectsSoundnessStr\nucturalIntegrityIndicator\nDefectItemRecommendedActio\nnCompletedIndicator\nDefectItemRecommendedActio\nnInspectionDate\nDefectItemRecommendedActio\nnCompletionDescription\n\nDisplay when PropertyValuationConditionalConclusionType =\n\"SubjectToRepair\" AND CompletionReportNewDefectIndicator = \"false\"\nDisplay for each repair item\n\nDisplay for each repair item\n\nDisplay for each repair item\n\nDisplay when DefectItemRecommendedActionCompletedIndicator =\n“false” OR exists\n\nFigure 03 - 1\n\n04 New Observed Items for Repair\n\nThe New Observed Items for Repair section displays a list of additional repairs observed in the course of the completion inspection.\n\nPage 21\n\nWhen there are no newly observed items in the course of the completion inspection, the section does not display.\n\n• Each newly observed item for repair, must include the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on report) = “true” and\n"} diff --git a/chunks/json/85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35.json b/chunks/json/85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35.json new file mode 100644 index 0000000000000000000000000000000000000000..5177a00256ce90367942b281d0246efe323a7d6f --- /dev/null +++ b/chunks/json/85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4627,"char_start":3614,"chunk_id":"chk_66503e1c60e73f45","chunk_index":3,"chunk_sha256":"85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:21)(cid:17)(cid:19)(cid:19)(cid:20)\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:22)\n\nProperty Valuation Method\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:23)\n\nWas a Property Data Report used in lieu of an\nInspection?\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:24)\n\nYes No\n(cid:133) (cid:133)\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:25)\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:26)\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:27)\n\n(cid:21)(cid:17)(cid:19)(cid:19)(cid:28)\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\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\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:23)\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:24)\n\n(cid:21)(cid:17)(cid:19)(cid:20)(cid:25)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:23)\n"} diff --git a/chunks/json/85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4.json b/chunks/json/85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4.json new file mode 100644 index 0000000000000000000000000000000000000000..311e517984ba7ae670aae7baea44edee24cee117 --- /dev/null +++ b/chunks/json/85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":429062,"char_start":427479,"chunk_id":"chk_1cbd7191a2afda0d","chunk_index":242,"chunk_sha256":"85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 199 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nFigure 119. Loan Terms Table for Fixed Rate Interest Only Loan\n\n2. LOAN TERMS AND AP TABLES FOR I NTEREST ONLY LOAN\n\nThe following table links the information provided in the Loan Terms and AP Tables.\n\nTable 132. Fixed Rate Interest Only Loan\n\nID (bullet)\n4.3\n\n4.3.3 (1)\n\nLoan Terms Table (4.0)\n\nAP Table (19.0)\n\nForm Field Name\n\nID\n\nForm Field Name\n\nMonthly Principal & Interest\nAdjusts once…\n\n19.5 Monthly Principal and Interest Payments\n\nN/A\n\nN/A\n\nN/A\n\n4.3.3 (1)\n\n4.3.3 (2)\n4.3.3 (2)\n\n…starting in year 2\nCan go as high as $1,500 …\n…in year 2\n\n4.3.2 | 4.3.3 (3) Includes only interest and no principal\n\nuntil year 2\n\n19.1 |\n19.1.1\n\n19.7\n\nSubsequent Changes No subsequent changes\nFirst Change / Amount $1,500.00…\nFirst Change / Amount …at 13th payment\n\n19.6\n19.6\n19.8 Maximum Payment $1,500…\n19.8\n\n…starting at 13th payment\nInterest Only Payments For your first 12\npayments\n\nFigure 120. Loan Terms and AP Tables for Fixed Rate Interest Only Loan\n\nThe data points used to provide this information are shown in the table below. The Loan Terms Table form field\nIDs have been included where applicable to help emphasize that the data points are provided only once in the\nXML file.\n\nTable 133. Fixed Rate Interest Only Loan\n\nID\n(bullet)\n\n19.6\n|4.3.3(1)\n\n19.8\n|4.3.3(2)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Change /\nAmount…at #___\npayment\nMaximum Payment\n… starting at ___\npayment\n"} diff --git a/chunks/json/85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a.json b/chunks/json/85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a.json new file mode 100644 index 0000000000000000000000000000000000000000..1d5ea895db271296e7828a0bf1762bab17ed4bc0 --- /dev/null +++ b/chunks/json/85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1721,"char_start":0,"chunk_id":"chk_a38d23d01bbbae0b","chunk_index":0,"chunk_sha256":"85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_46caa6c58c5a5fc7","text_sha256":"85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/fintech\"\ndate_accessed: \"2026-01-27T17:48:04.474Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1.json b/chunks/json/85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1.json new file mode 100644 index 0000000000000000000000000000000000000000..db1ab63c12f839aa5a0eb4db99fedf7d4c098dda --- /dev/null +++ b/chunks/json/85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1272701,"char_start":1271081,"chunk_id":"chk_9e1355d8b79c590a","chunk_index":754,"chunk_sha256":"85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL\n/CONTACT_POINT[@_Type=‘Phone’]/@_Value\n/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL\n/CONTACT_POINT[@_Type=‘Email’]/@_Value\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• 5-digit ZIP Code or ZIP+4 code\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis field should contain the entire telephone number, including area code.\n\nString\n\nFree text – should contain the appraiser’s email address.\n\n10\n\n50\n\n55\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nDate of Signature and Report\n\nAppraiser Report\nSigned Date\n\nIndicates the date the appraiser signed the\nappraisal report.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserReportSignedDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\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\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 208 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\n466\n\n6\n\n12\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nEffective Date of Appraisal\n\nAppraisal Effective\nDate\n\nEffective date of the appraisal report on\nthe subject property.\n"} diff --git a/chunks/json/85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c.json b/chunks/json/85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c.json new file mode 100644 index 0000000000000000000000000000000000000000..ddf5b4ca06c15a05b602659d86b0966bc29c4142 --- /dev/null +++ b/chunks/json/85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":655,"char_start":0,"chunk_id":"chk_95b88239317c3f7d","chunk_index":0,"chunk_sha256":"85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7be2f4e30a14b23d","text_sha256":"85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c","token_estimate":164,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-june-8-2023.pdf","below_target_min_tokens"]},"text":"Technology Manager Release Notes\nJune 8, 2023\n\nTechnology Manager (TM) is a web-based tool that allows Fannie Mae customers to provision and manage\naccess to Fannie Mae applications. Registered users can view and modify their user profile and security\ninformation, and company designated administrators can assign various applications to their users and\nmanage their System IDs.\n\nWhat’s new in this release?\n\n• Role Descriptions – Admins may view all role descriptions as a tool tip in Technology Manager. This\nfeature will simplify ability to view role descriptions on same screen where Admins select the\napplicable roles.\n\n© 2023 Fannie Mae Page 1 of 1\n"} diff --git a/chunks/json/85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0.json b/chunks/json/85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0.json new file mode 100644 index 0000000000000000000000000000000000000000..6b1b27ac9542dca6aa19fd2206d00e9a571b7fc3 --- /dev/null +++ b/chunks/json/85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3409,"char_start":1608,"chunk_id":"chk_5c7fa6d7ff083e26","chunk_index":1,"chunk_sha256":"85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_65b5a11c34b6e13c","text_sha256":"85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0","token_estimate":450,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-may-17-2025.pdf"]},"text":"As specified in the release notes, for DU to determine the project in which the property is located, DU will use the CPM ID or a\ncomplete address along with the project name. The data point names for the fields are shown below. The fields (Condo Project\nManager ID and Project Name) can be found in the L1. Property and Loan Information section of the Desktop Originator® (DO®)/DU\nUser Interface (UI).\n\nUnique ID MISMO v3.4 Data Point Name\n12.0036\n\nProjectName\n\nMISMO v3.4 Data Point Definition\nThe name of the project in which subject property is\nlocated (e.g., the name of the condominium or\ncooperative).\n\n12.0027\n\nFNMCondominiumProjectManagerProjectIdentifier The unique identifier of a property development project\n\nto which individual properties belong assigned by the\nFannie Mae Condo Project Manager (CPM) system.\n\nNote: The CPM information will only be provided for new DU V. 12.0 loan casefiles created on or after June 23, 2025.\n\n© 2025 Fannie Mae 5.2.25 1 of 2\n\nIncome Calculator\n\nIncome Calculator is an easy-to-use Fannie Mae-hosted service that leverages tax return data to quickly calculate income for self-\nemployed borrowers, consistent with Fannie Mae Selling Guide policy. Income Calculator helps originators correctly calculate\nincome for self-employed borrowers so they can make informed underwriting decisions, reduce origination cycle times, and\npotentially limit repurchase risk.\n\nDU will generate a message confirming any enforcement relief of representations & warranties offered by Income Calculator. In\npreparation for that future state, the DU Specification was expanded as to include the data points shown in the table below and\npreviously provided in the May 2024 Integration Impact Memo. Integrators are encouraged to begin development once testing\nbecomes available.\n"} diff --git a/chunks/json/85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0.json b/chunks/json/85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0.json new file mode 100644 index 0000000000000000000000000000000000000000..05ae4dfebd6a39dd42e28cbb0f5eec5df292e310 --- /dev/null +++ b/chunks/json/85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_f19edd1f5ccf6966","chunk_index":0,"chunk_sha256":"85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0","date_utc":"2026-01-27T17:54:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d304848cde924c6e","text_sha256":"85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Affordable_Housing___Community_Investment___FHFA_dmruye.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/affordable-housing\"\ndate_accessed: \"2026-01-27T17:54:20.486Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156.json b/chunks/json/8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156.json new file mode 100644 index 0000000000000000000000000000000000000000..54f610415fa8f8f75eceec60f44202f133852a09 --- /dev/null +++ b/chunks/json/8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156.json @@ -0,0 +1 @@ +{"chunk":{"char_end":228928,"char_start":227203,"chunk_id":"chk_9014ffe456942443","chunk_index":134,"chunk_sha256":"8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156","token_estimate":431,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"chapter only references dwellings.\n\nInformation that May Display in Black Tab\n\nWhen there are multiple dwellings, the Dwelling Exterior black tab provides information about the dwelling.\nExamples:\n• A single-family property would display “Dwelling Exterior”.\n\n• A 2- to 4-unit property with multiple dwellings would display “Dwelling Exterior – Building 2”, depending on\n\nappraiser inputs.\n\no Structure Identifier is Building 2\n\nDwelling Exterior: Black Tab\n\nReport\nField ID\n\n8.000\n\nReport Label\n\nWhen to Include\n\nDwelling\nExterior (black\ntab)\n\nRequired if Living Units\nExcluding ADUs is\nmore than 1\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nStructure Identifier: An identifier (building name) created by the appraiser to\ndifferentiate among multiple dwellings on the property. Displays in a black tab\nor as a report label throughout the URAR, and provides context for 2- to 4-unit\nproperties, particularly in the Sales Comparison Approach section.\nExamples: Building 1, Building 2, Front, Rear\n\nAppendix F-1: URAR Reference Guide\n\nPage 92 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nGeneral Information\n\nDwelling Exterior: General Information\n\nReport\nField ID\n\n8.001\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAlways required\n\nNumber\n\nSubject Property\nUnits in\nStructure\n\nUnits in Structure: The number of separate living units in or attached to the\ndwelling that are attributable to the subject property, including any accessory\ndwelling units.\n\nNotes:\n•\n\n•\n\n•\n\nIncludes ADUs that are in dwellings. ADUs that are in outbuildings are\ncaptured in the Outbuilding section.\nThis applies for the subject property only.\n"} diff --git a/chunks/json/86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c.json b/chunks/json/86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c.json new file mode 100644 index 0000000000000000000000000000000000000000..215703e41bb835f0baf448521fc95bb0ce261c2b --- /dev/null +++ b/chunks/json/86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":261761,"char_start":260144,"chunk_id":"chk_bb9774582c2a0b18","chunk_index":137,"chunk_sha256":"86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 118 of 254\n\nVersion 1.4\n\nUID\n7.073\n\n7.5\n\nCredit Report Fee\n\n7.5\n\nN/A – XML\n\nUID\n7.070\n\n7.5.1\n\nN/A - GSE\n\nCredit Report Fee\nto Information, Inc.\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nTable 96. Services Borrower Did Not Shop For\n\nID\n\nForm Field / Fee\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n7.5.6 Paid by Others ($)\n\nFeeActualPaymentA\nmount\n\n405.00\n\nRepresented as\n“$405.00” on form\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not Shown –\n\nSECOND INSTANCE OF FEE\n\nFeeType\n\nCreditReportFee\n\n@gse:DisplayLabelT\next\n\nCredit Report Fee\n\nATR/QM\n\nROF as “Credit\nReport Fee”\n\nIntegratedDisclosur\neSectionType\n\nServicesBorrowerDi\ndNotShopFor\n\nNot Shown\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nInformation, Inc.\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/LE\nGAL_ENTITY_DETAI\nL\n\n7.5.3 Borrower-Paid\n\nBefore Closing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n29.80\n\n7.5.3 Borrower-Paid\n\n7.5.3\n\nBefore Closing\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\ntrue\n\nTHIRD INSTANCE OF FEE\n\nNot Shown –\nATR/QM\n\nCompany name of\nservice provider\n\nRepresented as\n“$29.80” on form\n\nRepresented as\nBorrower-Paid\nheading on form\n\nRepresented as\nBefore Closing\nheading on form\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not Shown –\n\nATR/QM\n\nUID\n7.073\n\n7.5\n\nFlood Certification\nFee\n\n7.5\n\nN/A – XML\n\nUID\n7.070\n\n7.5.1\n\nN/A - GSE\n\nFlood Certification\nFee to Info Co.\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/LE\nGAL_ENTITY_DETAI\nL\n\nFeeType\n\nFloodCertification\n"} diff --git a/chunks/json/8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db.json b/chunks/json/8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db.json new file mode 100644 index 0000000000000000000000000000000000000000..b3318b401097acfeb8f7fa7c111a3a7a91bd5658 --- /dev/null +++ b/chunks/json/8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":205377,"char_start":203764,"chunk_id":"chk_b13d03b13ffd7b71","chunk_index":102,"chunk_sha256":"8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 91 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.2 Principal & Interest\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total Monthly\nPayment\n\n5.1.1\n\n5.2.1\n\n5.3.1\n\n5.4.1\n\n5.5.1\n\nYears 1 – 7\n\n5.1.2\n\nYears 8 – 30\n\n$761.78\n\n5.2.4\n\n$761.78\n\n+\n\n+\n\n82.35\n\n5.3.2\n\n206.13\n\n5.4.2\n\n$1,050.26\n\n5.5.3\n\n+\n--\n\n+\n206.13\n\n$967.91\n\nFigure 61. Mortgage Insurance\n\nThe data points needed to populate the MI row of the Projected Payments table are identified in the following\ntable.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 78. Loan Requires MI\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.3.1\n\nYears 1-7 Mortgage\nInsurance ($)\n\n…/PROJECTED_PAYM\nENT\n\nProjectedPaymentMI\nPaymentAmount\n\n82.35\n\nReflected on form as\n“82.35”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.3.2\n\nYears 8-30 Mortgage\nInsurance ($)\n\n…/PROJECTED_PAYM\nENT\n\nProjectedPaymentMI\nPaymentAmount\n\n0\n\n5.3\n\nN/A\n\n…/LOAN_DETAIL\n\nMIRequiredIndicator true\n\nEnd of PROJECTED_PAYMENT Instances\n\nROF as “—” based on\nvalue of MI\nScheduled\nTermination Date\n\nNot Shown –\nIndicates need for\nadditional data\npoints when true\n\n2. MI NOT REQUI RED\n\nIf the loan does not require MI, “0” must be displayed as the MI value for each Year Range disclosed. For\nexample: The following figure shows a loan with payments that do not change and no MI.\n\nAppendix E: UCD Implementation Guide\n\nPage 92 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n"} diff --git a/chunks/json/8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb.json b/chunks/json/8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb.json new file mode 100644 index 0000000000000000000000000000000000000000..f3e21bbd6d64a39f133a346cb22256b52a4209be --- /dev/null +++ b/chunks/json/8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":405889,"char_start":404272,"chunk_id":"chk_0648fb9462d8aa1c","chunk_index":237,"chunk_sha256":"8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Specifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue\nTrendType='Stable']\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue\nTrendType='Declining']\n\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nProperty Value\nTrend Type\nNeighborhood\nDemand Supply\nType\nNeighborhood\nDemand Supply\nType\nNeighborhood\nDemand Supply\nType\n\nNeighborhood\nTypical Marketing\nTime Duration\nType\n\nNeighborhood\nTypical Marketing\nTime Duration\nType\n\nNeighborhood\nTypical Marketing\nTime Duration\nType\n\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\n\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\n\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\n\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\n\nNeighborhood\nHousing Low Price\nAmount\nNeighborhood\nHousing High\nPrice Amount\n\nThe low price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe high price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\n\nNeighborhood\nHousing\nPredominant Price\nAmount\n\nThe predominate price of the\nneighborhood housing specified by\nNeighborhood Housing Type.\n"} diff --git a/chunks/json/86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f.json b/chunks/json/86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f.json new file mode 100644 index 0000000000000000000000000000000000000000..0d482f389fa8af1303ec4e9a02884da223053402 --- /dev/null +++ b/chunks/json/86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":965094,"char_start":963912,"chunk_id":"chk_0a4f9326ef5e72e2","chunk_index":575,"chunk_sha256":"86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 3-48 is populated, then this field\nshould be populated.\n\nThe sum of this field 3-113 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-105,\n3-107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nIf the value of field 3-116 (Sale Price Total\nAdjustment Amount) is non-zero, one and\nonly one of fields 3-114 or 3-115 values of\n(Sales Price Total Adjustment Positive\nIndicator) should be indicated.\n\nIf the value of field 3-116 (Sale Price Total\nAdjustment Amount) is non-zero, one and\nonly one of fields 3-114 or 3-115 values of\n(Sales Price Total Adjustment Positive\nIndicator) should be indicated.\n\nAll the fields (3-60, 3-62, 3-64, 3-66, 3-68,\n3-70, 3-72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-\n84, 3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-99,\n3-101, 3-103, 3-105, 3-107, 3-109, 3-111, 3-\n113) must add up to this Net Adjustment\namount.\n\nNumeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal places.\n\nNumeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal places.\n"} diff --git a/chunks/json/862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab.json b/chunks/json/862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab.json new file mode 100644 index 0000000000000000000000000000000000000000..d635957003d42bfbb0c53e00c144f7af1fd9dc06 --- /dev/null +++ b/chunks/json/862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1635,"char_start":0,"chunk_id":"chk_dfde0fcfa12b50c6","chunk_index":0,"chunk_sha256":"862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_285444ddb47537d9","text_sha256":"862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-november-release-notes-nov-2-2020.pdf"]},"text":"Desktop Underwriter® (DU®) Validation Service\nRelease Notes\n\nOct. 1, 2020\n\nDuring the weekend of Oct. 31, Fannie Mae will implement changes to validation messages as outlined below. These changes\nwill apply to all new casefiles created on or after Nov. 2.\n\nMessages pertaining to income validated by a Tax Transcript\n\nThe display of information in the tables of some messages will be adjusted to reduce the number of rows presented. These\nchanges pertain to casefiles where a Tax Transcript is used to validate income. In the following scenarios, instead of displaying\ntwo rows in the table to communicate the information, only one row will be displayed with the data combined:\n\n When borrowers reported Social Security or Pension income, and income is validated using a joint Tax Transcript, both\n\nborrowers’ names and their validated income will be displayed in a single row in the table.\n\n When base income is validated from a borrower’s wage employers and self-employment, the base income amount for\n\nboth types of employers will be displayed in a single row in the table.\n\nIncome validation enhancements\n\nAdditional data checks will be applied to the data used in the validation of employment and income. Specifically, income from an\nemployer will not be validated in the following conditions:\n\n The verification of employment/income report indicates the borrower’s hire date is in the future.\n\n The borrower’s hire date on the verification of employment/income report appears to be inaccurate based on his/her\n\ndate of birth.\n\n The information effective date on the verification of employment/income report is in the future.\n"} diff --git a/chunks/json/8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea.json b/chunks/json/8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea.json new file mode 100644 index 0000000000000000000000000000000000000000..febf2c353bdd9fe85560e0d213e6b5a1d24baa71 --- /dev/null +++ b/chunks/json/8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":269119,"char_start":267511,"chunk_id":"chk_74832d73dfa6da9a","chunk_index":158,"chunk_sha256":"8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If Cooling System\nExists is Yes\n\nChoose one or\nmore allowable\nanswers from\ntable (Cooling\nSystem Type)\n\nCooling System Type\n•\nCentralized\n•\nIndividual\n•\nOther (Describe)\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nCooling System Type (Choose one or more)\n\nCentralized\n\nIndividual\n\nA system in which air is cooled at a central location and distributed to and from rooms by one or more fans and ductwork\n(e.g., forced air, mini-split).\n\nA self-contained cooling system, mounted on a wall or in a window, designed to cool an individual room or small area (e.g.,\nwindow unit).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nCore Heating and Other Mechanical Systems\n\nDwelling Exterior: Core Heating and Other Mechanical Systems\n\nReport\nField ID\n\n8.052\n\nReport Label\n\nWhen to Include\n\nCore Heating\nSystem Below\nGrade\n\nRequired if Heating\nSystem Type is not\nNone\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nSelect Yes when at least one mechanical unit that produces heat (e.g., furnace)\nis below grade, including when the heating system is shared with multiple units.\nThis is the main core unit that produces and distributes heat through duct work\nor other means (e.g., steam or hot water).\n\n8.053\n\nOther\nMechanical\nSystems\n\nIf applicable\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nRadon Mitigation\nSump Pump\n\n•\n•\n• Water Heater\n• Whole House Water Treatment\n•\nNote: If there are no other mechanical systems in the dwelling, do not select an\nanswer and Other Mechanical Systems does not display.\n"} diff --git a/chunks/json/8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2.json b/chunks/json/8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2.json new file mode 100644 index 0000000000000000000000000000000000000000..e748d7aae6469db395fc8803d729af253a9aeeed --- /dev/null +++ b/chunks/json/8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7468,"char_start":5652,"chunk_id":"chk_7003b3ba1720723d","chunk_index":3,"chunk_sha256":"8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5e31f440bb6fafd4","text_sha256":"8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-nov18-2023.pdf"]},"text":"© 2023 Fannie Mae.\n\n10.25.23\n\n2 of 3\n\nGift Donors\n\nSelling Guide Announcement SEL-2023-08 updated our policies on personal gifts and gifts of equity to allow the seller of the\nsubject property to provide a gift if they are an acceptable donor and are not affiliated with another interested party to the\ntransaction. The gift message issued by DU will be updated to remove the reference to interested parties and remind the lender to\nrefer to the Selling Guide for additional information.\n\nTrust Income\n\nSelling Guide Announcement SEL-2023-08 updated our requirements related to trust income. The DU message issued when trust\nincome is used will be updated to refer lenders to the Selling Guide to confirm how the income must be calculated and\ndocumented.\n\nValue Acceptance + Property Data\n\nSelling Guide Announcement SEL-2023-09 clarified that the Property Data Collection (PDC) must be completed and submitted to\nthe Fannie Mae Property Data API (API) prior to the note date when exercising the value acceptance + property data option. The\nDU message issued when the loan is eligible for value acceptance + property data will be updated to provide the same\nclarification.\n\nLenders must resubmit the loan casefile to DU after the property data has been submitted to the API and receive the message\nstating that the PDC has been received on the DU Underwriting Findings report in order for the loan to be eligible for sale to\nFannie Mae using the value acceptance + property data option.\n\nSelf-Employed Borrowers\n\nSelling Guide Announcement SEL-2023-09 updated the DU policy that permits one year of personal and business tax returns for\nself-employed borrowers. New self-employed documentation messages supporting this policy change will be issued on DU\nVersion 11.1 loan casefiles created on or after Jan. 1, 2024.\n"} diff --git a/chunks/json/868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7.json b/chunks/json/868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7.json new file mode 100644 index 0000000000000000000000000000000000000000..78f2cfc4070e47a4eb1878eaed0870e683c722d7 --- /dev/null +++ b/chunks/json/868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9619,"char_start":7999,"chunk_id":"chk_ae8d812f97f7f815","chunk_index":5,"chunk_sha256":"868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"• during the initial fixed-rate period, the lender shall accelerate the maturity of the mortgage note in connection with the sale or transfer, or prospective sale or\n\ntransfer, of all or any interest in the property secured by the mortgage as described above for DOS, and;\n\n• after the initial fixed-rate period, the lender will permit the mortgage to be assumed by a new mortgagor as described above for Assum.\n\n10. Convertibility – Convert (Y or N) – This column indicates whether or not the ARM has a feature allowing the adjustable rate to convert to a fixed interest rate.\n\n11. Payment Due Date – ARMs accrue interest in arrears and have monthly installments that are payable on the day of each month indicated in the Matrix. All of\n\nFannie Mae’s standard ARM plans require that the payment due date be the first day of each month.\n\n12. Subtype – Applies to MBS deliveries only. Subtypes are assigned by Fannie Mae and describe the characteristics of the applicable standard ARM plan.\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\nThis document is incorporated by reference into the Fannie Mae Selling Guide.\n\nOct 2021\n\n4 of 6\n\nStandard ARM Plan Matrix\nThis Matrix lists all standard ARM plans that are eligible for delivery to Fannie Mae. To qualify as a Fannie Mae standard ARM, the ARM must have all of the\ncharacteristics specified in the Matrix for such plan number.\n\nN O T E : Texas Section 50(a)(6) loans can be commingled in MBS pools with non-Texas Section 50(a)(6) loans with the same plan number. They are\nidentified separately in the ARM Matrix only because they require different uniform instruments.\n"} diff --git a/chunks/json/86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c.json b/chunks/json/86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c.json new file mode 100644 index 0000000000000000000000000000000000000000..3e71e21507b0e7143551ed516ce5968edb683f0c --- /dev/null +++ b/chunks/json/86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":84687,"char_start":83037,"chunk_id":"chk_9fffa477282f6962","chunk_index":95,"chunk_sha256":"86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c","token_estimate":413,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Columns 1 - 3 equal width: ~28 characters max per line, in each cell.\n\nNONCONTINUOUS FINISHED AREA TABLE\n\nMechanical System Details (H1)\n\nLeft-hand side of page - Mechanical Systems table\n\n• Column heads: Column 1 – none; “System,” “Detail,” set as TCH in 3 column table x 22 picas.\n\n• Column 1:\n\n5 picas wide (~20 characters max per line in each cell).\n\n• Column 2:\n\n6 picas 7 points wide (~24 characters max per line in each cell).\n\n• Column 3:\n\n10 picas 5 points wide (~42 characters max per line in each cell).\n\nMECHANICAL SYSTEMS TABLE\n\n• Content sets as TB; Row 1, Column 1 “Heating”, Row 2, Column 1 “Cooling”\n\nRight-hand side of page\n\n•\n\n•\n\n“Core Heating System Below Grade” sets as CK1, with Y/N\n\n“Other Mechanical Systems” sets as TXR-B, TXR\n\nAppendix E: Report Style Guide\n\nPage 44 of 90\n\nVersion 1.4\n\nApparent Defects, Damages, Deficiencies – (Dwelling Exterior – [Structure Identifier]) (H1)\n\n•\n\n•\n\nIf applicable per iGuide, set “None” as TXC.\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed\nbelow represent the As Is condition as of the effective date of this report”.\n\nStructure DDD table (same format as Site DDD table)\n\n• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\n\nIntegrity,” “Recommended Action” set as TCH in 5 column table x 45 picas.\n\n• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell).\n\n• Column 3:\n\n13 picas wide (~52 characters max per line in each cell).\n\n• Content sets as TB.\n\nDEFECTS, DAMAGES, DEFICIENCIES TABLE\n\nDwelling Exterior Commentary (Dwelling Exterior – [Structure Identifier]) (H1)\n"} diff --git a/chunks/json/86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77.json b/chunks/json/86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77.json new file mode 100644 index 0000000000000000000000000000000000000000..b2e4bb87794af2241080b278457bcd851ff83849 --- /dev/null +++ b/chunks/json/86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1722,"char_start":1654,"chunk_id":"chk_f0767f3ccc92bc83","chunk_index":1,"chunk_sha256":"86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d9c3c3426562f28","text_sha256":"86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77","token_estimate":17,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucdp-change-notification-july-14-2018.pdf","below_target_min_tokens"]},"text":"© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJuly 10, 2018\n\n1 of 1\n"} diff --git a/chunks/json/86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413.json b/chunks/json/86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413.json new file mode 100644 index 0000000000000000000000000000000000000000..62b6d1745dbbe96673fa0b958aa9d8f686a302d4 --- /dev/null +++ b/chunks/json/86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413.json @@ -0,0 +1 @@ +{"chunk":{"char_end":312428,"char_start":310667,"chunk_id":"chk_d9d54b716a1950bb","chunk_index":184,"chunk_sha256":"86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413","token_estimate":441,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"10.024 Total Bathrooms\n- Full\n\nAlways required\n\nNumber\n\nThe total number of full bathrooms in the unit, including above and below\ngrade.\nNotes:\n•\n\nA full bathroom must at least have a sink, a toilet, and a bathtub or\nshower.\nIf the bathroom has greater utility such as additional sinks or toilets,\naddress this in Unit Interior Commentary (10.061), and if market\nsupported, make the appropriate adjustments in the Sales Comparison\nApproach.\n\n•\n\n10.025 Total Bathrooms\n- Half\n\nAlways required\n\nNumber\n\nThe total number of half bathrooms in the unit, including above and below\ngrade.\nNote: A half bathroom consists of only a sink and a toilet.\n\nNon-Residential Use and Live/Work Space in Unit\n\nThis subsection displays when Site Owned in Common (3.015) is Yes.\n• When Site Owned in Common is No, non-residential uses are reported in the Site section (4.015-4.019 and\n\n4.043-4.046).\n\n• Commercial space in condominium, cooperative, or condop project buildings is reported in the Project\n\nInformation section (18.069).\n\nUnit Interior: Non-Residential Use and Live/Work Space in Unit\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n10.026 Non-Residential\n\nUse in Unit\n\nRequired if Site Owned\nin Common is Yes\n\nYes | No\n\nIndicates whether the unit contains space that is currently used for non-\nresidential purposes.\n\n10.027\n\nLive/Work Space Required if Site Owned\n\nYes | No\n\nin Common is Yes\n\nIndicates whether there is live/work space available within the residential unit.\nA live/work unit refers to a condominium or cooperative that allows space\nwithin the individual unit to be used jointly for non-residential and residential\npurposes, as long as the primary design of the unit remains residential.\n"} diff --git a/chunks/json/86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c.json b/chunks/json/86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c.json new file mode 100644 index 0000000000000000000000000000000000000000..4cb010b99fdf8baada35c324f405166dfb5f0aaf --- /dev/null +++ b/chunks/json/86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27452,"char_start":25134,"chunk_id":"chk_d0d6f489b5e9958f","chunk_index":14,"chunk_sha256":"86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c","token_estimate":579,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not\nconditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a\npredetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of\nany party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending\nmortgage loan application).\n\n19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I\nrelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal\nor the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this\nappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make\na change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no\nresponsibility for it.\n\nFreddie Mac Form 2055 March 2005 226\n\nPage 5 of 6\n\nFannie Mae Form 2055 March 2005\n\n2\n\nExterior-Only Inspection Residential Appraisal Report\n\nFile # 3 4 4a\n\n20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that\nordered and will receive this appraisal report.\n\n21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the\nborrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other\nsecondary market participants; data collection or reporting services; professional appraisal organizations; any department,\nagency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to\nobtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal\nreport may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public\nrelations, news, sales, or other media).\n"} diff --git a/chunks/json/86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87.json b/chunks/json/86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87.json new file mode 100644 index 0000000000000000000000000000000000000000..0e0d215df764441c724fa91441255ed9210ea89e --- /dev/null +++ b/chunks/json/86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21186,"char_start":20697,"chunk_id":"chk_fb795891a4894ab1","chunk_index":32,"chunk_sha256":"86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87","token_estimate":433,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Unit Interior .................................................................................................................................................. 47\n\nADU Information ................................................................................................................................................. 47\n\nLevel and Room Detail (H2) ................................................................................................................................ 47\n"} diff --git a/chunks/json/86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b.json b/chunks/json/86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b.json new file mode 100644 index 0000000000000000000000000000000000000000..21d3789eec5720af912ba363da28d4e59137d479 --- /dev/null +++ b/chunks/json/86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":341926,"char_start":340133,"chunk_id":"chk_3fa5e5f2a52029fc","chunk_index":197,"chunk_sha256":"86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Fully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Exhibits\n\nCondition Comment\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nNew or Like New\n\nLevel 1 - Bedroom - Primary Bedroom\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Bedroom photo would display.\n\nThis is where the Bedroom photo would display.\n\nLevel 1 - Bedroom - Bedroom 3\n\nLevel 1 - Bath - Full - Primary Bath\n\nThis is where the Bedroom photo would display.\n\nThis is where the Bath photo would display.\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Dining Room\n\nThis is where the Bath photo would display.\n\nThis is where the Dining Room photo would display.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 9 of 20\n\nUnit Interior (continued)\n\nLevel 1 - Kitchen - Living Room\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n4\n\n2\n\nDetail\nPavers\n\nAttached\n400 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Commentary\n\nThe subject features an attached 2 car garage with electric garage door opener.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nPatio\n\nPorch\n\nMaterial\nPavers\n\nComposite\n\nDetail\n120 Sq. Ft.\n\n120 Sq. Ft.\nAttached to Manufactured Home\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nThe subject porch was site built at the time of installation and set-up. The dwelling was designed and constructed to accommodate the porch\nand garage. The patio is free standing and not attached to the dwelling.\n"} diff --git a/chunks/json/86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1.json b/chunks/json/86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1.json new file mode 100644 index 0000000000000000000000000000000000000000..26389b281094ae9d0f4a591a923d8ed2420e5100 --- /dev/null +++ b/chunks/json/86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":139838,"char_start":138249,"chunk_id":"chk_213cf60233f730c7","chunk_index":129,"chunk_sha256":"86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"FTR\n\n“Subject Property” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Physical Address,” “County,” “Property Rights Appraised” set as TXR-B, TXR\n\nAppendix E: Report Style Guide\n\nPage 80 of 90\n\nVersion 1.4\n\nRight-hand side of page\n\n• Photo of Subject Property.\n\nLegal Description (H1)\n\n• Either an image or text.\n\n•\n\n•\n\nImage sizes to full page width (45 picas wide).\n\nIf text, set as TXC (Myriad Pro Regular), below the H1 x 45 picas.\n\n“Original Appraisal” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Effective Date of Appraisal,” “Opinion of Market Value,” “Reasonable Exposure Time” set as\nTXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Appraiser” sets as TXR-B, TXR.\n\no “Reference ID” sets as TXR-I, TXR.\n\n•\n\n“Original Lender” sets as TXR-B, TXR.\n\n“Appraisal Update” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Effective Date” sets as TXR-B, TXR\n\nFull page width\n\n•\n\n“Yes” ”No” (Y/N) followed by “Has the market value of the subject property decreased since\nthe effective date of the original appraisal?” sets as CK.\n\nAppraisal Update Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nAppraisal Update Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Assignment Information” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Borrower Name” sets as TXR-B, TXR.\n\nAppendix E: Report Style Guide\n\nPage 81 of 90\n\nVersion 1.4\n\nRight-hand side of page\n\n•\n\n“Appraiser Fee,” “AMC Fee,” “Government Agency,” “Investor Requested Special\nIdentification” set as TXR-B, TXR.\n\nContact Information (H1)\n\n[Role]/[Role] (H2)\n\n[Role] is placeholder for content, as applicable.\n\nLeft-hand side of page\n"} diff --git a/chunks/json/86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4.json b/chunks/json/86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4.json new file mode 100644 index 0000000000000000000000000000000000000000..bf2d25baa9e7fe3a3adacf4f92709b377856a465 --- /dev/null +++ b/chunks/json/86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":414551,"char_start":412943,"chunk_id":"chk_c82814c5011205ae","chunk_index":245,"chunk_sha256":"86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Reference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance.\n\nGeneral Information\n\nMarket: General Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n17.003 Market Area\n\nAlways required\n\nFree-form\n\nBoundary\n\nDefinition / Additional Guidance\n\nMarket Area Boundary Description: Describe geographic boundaries of the\ndefined market area (e.g., streets, waterways, county or state lines or other\nnatural boundaries). The description may include north, south, east and west.\nNote: A map of the market area boundaries showing Active Listings (17.005),\nPending Sales (17.010), and the Sales in Lookback Period (17.012) may be\nprovided, which displays in Market Exhibits. Provide a caption to label the\nimage, such as “Market Area Boundary Map”.\n\n17.004\n\nSearch Criteria\nDescription\n\nAlways required\n\nFree-form\n\nSearch Criteria Description: Describes all of the search criteria used to identify\nspecific properties within the defined market area boundaries.\n\nNote: An image of the search criteria (such as a screen shot of the MLS search\nscreen) may be provided, which display in Market Exhibits. Provide a caption to\nlabel the image, such as “Search Criteria”.\n\nSearch Result Metrics\n\nThis subsection reflects properties in the defined market area that directly compete with the subject.\n\nActive Listings\n\nThis subsection is for active listings only. Do not include properties that are under contract (pending sales) in\nthese metrics.\n\nAppendix F-1: URAR Reference Guide\n\nPage 177 of 375\n\nVersion 1.3\n"} diff --git a/chunks/json/86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a.json b/chunks/json/86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a.json new file mode 100644 index 0000000000000000000000000000000000000000..d50b4fe7e6f00a60d4c2d818c87d7e0b21afe149 --- /dev/null +++ b/chunks/json/86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9040,"char_start":7087,"chunk_id":"chk_b073c4851ad1a9be","chunk_index":4,"chunk_sha256":"86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cf9616c9cd8a63d3","text_sha256":"86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a","token_estimate":489,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_utu1o9.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# FHFA AI Compliance Plan\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FHFA AI Compliance Plan\n\nThe FHFA AI Compliance Plan outlines how FHFA will comply and achieve consistency with OMB Memorandum M-24-10 to ensure the responsible and ethical use of AI within the Agency while advancing and remaining in alignment with our mission to ensure that Fannie Mae and Freddie Mac (the “Enterprises”) and the FHLBanks (together, \"the regulated entities\") fulfill their own missions by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. It contains the information required to satisfy Section 3(a)(iii) of OMB Memorandum M-24-10 and Section 104(c) of the AI in Government Act.\n"} diff --git a/chunks/json/86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428.json b/chunks/json/86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428.json new file mode 100644 index 0000000000000000000000000000000000000000..70f1f37369d64df447e8bd136a0e1cbd156308af --- /dev/null +++ b/chunks/json/86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26210,"char_start":25121,"chunk_id":"chk_3dd0b9bd7a3badfe","chunk_index":18,"chunk_sha256":"86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"8.1.1 $\n\n8.2.3 $\n8.3.3 $\n\n8.4.1 $\n\n8.5.3 $\n8.6.3 $\n8.7.3 $\n8.8.3 $\n8.9.3 $\n\n8.10.1 $\n\n8.2.6 $\n8.3.6 $\n\n8.5.6 $\n8.6.6 $\n8.7.6 $\n8.8.6 $\n8.9.6 $\n\n8.11.6 $\n8.12.6 $\n8.13.6 $\n8.14.6 $\n\n8.15 Aggregate Adjustment\n8.16 H. Other\n8.17 Fee Item\n\n8.17.1 to Payee Type & Name\n\n8.17.2 $\n\n8.17.3 $\n\n8.17.6 $\n\n8.15.2 -$\n\n8.16.1 $\n\n8.18 I. TOTAL OTHER COSTS (Borrower-Paid)\n8.19 Other Costs Subtotals (E + F + G + H)\n\n9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)\n9.2 Closing Costs Subtotals (D + I)\n9.3 Lender Credits\n\n9.3.1 Tolerance Cure $\n\n8.19.2 $\n\n9.2.2 $\n9.3.2 -$\n\n8.18.1 $\n\n8.19.3 $\n\n9.1.1 $\n\n9.2.3 $\n\n9.2.6 $\n\nCLOSING DISCLOSURE\n\nPAGE 2 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Alternate Disclosure\n\nPayoffs and Payments\n\n25.0 Use this table to see a summary of your payoffs and payments to others from your loan amount.\n\nTO\n25.1 Identification of Liability Item Payoff or Closing Adjustment Item along with Payor and Payee\n\nAMOUNT\n25.1.1\n\n25.2 K. TOTAL PAYOFFS AND PAYMENTS\n\n25.2.1\n\nCalculating Cash to Close\n\n10.0 Use this table to see what has changed from your Loan Estimate.\n\n$\n"} diff --git a/chunks/json/86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f.json b/chunks/json/86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f.json new file mode 100644 index 0000000000000000000000000000000000000000..6f998d25bdcd8b1bfe546246b02eda42526dd228 --- /dev/null +++ b/chunks/json/86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5650,"char_start":3652,"chunk_id":"chk_f0104f052bd5838e","chunk_index":2,"chunk_sha256":"86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5e31f440bb6fafd4","text_sha256":"86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f","token_estimate":500,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-nov18-2023.pdf"]},"text":"Social Security Number Message Retirement\n\nIn 2011 the Social Security Administration changed the way Social Security numbers (SSNs) are issued by implementing a process\nknown as \"randomization.\" As a result, the DU message that stated that the SSN “has not been issued or was recently issued” was\nmoved to an Observation message in 2019. Since more time has passed using randomization to issue SSNs, and more SSNs have\nbeen issued using randomization, this message will now be retired.\n\nNote: Though this specific DU message will no longer be issued, the lender remains responsible for the accuracy of the\nborrower SSN. Refer to section B2-2-01, General Borrower Eligibility Requirements of the Selling Guide for additional\ninformation.\n\nLiability Payment includes Taxes and Insurance Indicator\n\nAn indicator was added with the redesigned URLA to specify if the disclosed liability payment also includes the taxes and\ninsurance for the property. This indicator is set using the “Total includes taxes and/or insurance” checkbox in the Mortgage Loans\non Property section of the Real Estate section of the Desktop Originator® (DO®)/DU User Interface. When the indicator is provided\nas True, the Monthly Insurance, Taxes, Association Dues, etc. provided separately on the loan application will no longer be\nincluded in the total monthly expenses for the property.\n\nUpdates to Align with the Selling Guide\n\nLimited Cash-Out Refinance Transactions\n\nSelling Guide Announcement SEL-2023-06 revised the eligibility requirements for limited cash-out refinances to stipulate that at\nleast one borrower on the new loan must be a current owner of the subject property (on title) at the time of the initial loan\napplication. The message issued on all limited cash-out refinance transactions will be updated to remind lenders of this\nrequirement, and to remind lenders that if the property is currently listed for sale, it must be taken off the market on or before the\ndisbursement date of the new mortgage loan.\n"} diff --git a/chunks/json/86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29.json b/chunks/json/86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29.json new file mode 100644 index 0000000000000000000000000000000000000000..1f8eeebdf978f9c7493111dca04413148621c1af --- /dev/null +++ b/chunks/json/86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29.json @@ -0,0 +1 @@ +{"chunk":{"char_end":250895,"char_start":248836,"chunk_id":"chk_7078bd9c012bf0a7","chunk_index":147,"chunk_sha256":"86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29","token_estimate":515,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"designed.\nExamples:\n•\n•\n•\n• Windows: Broken or missing panes.\n\nExterior Walls and Trim: Damaged or missing siding or trim that allows weather intrusion.\nFoundation: Damaged or failing foundation.\nRoof: Active roof leaks.\n\nNote: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,\nDamages, and Deficiencies (Dwelling Exterior) subsection.\n\nAppendix F-1: URAR Reference Guide\n\nPage 103 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nExterior Walls and Trim\n\nThe Exterior Walls and Trim row always displays in the Exterior Features table.\n\nDwelling Exterior: Quality and Condition - Exterior Features - Exterior Walls and Trim\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.025\n\nDetail\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nExterior Wall Material: The type of wall material used for the structure. May be\ncommonly referred to as siding.\n•\nAdobe\n•\nAluminum\n•\nAsbestos\n•\nBrick\n•\nCement Board\n•\nConcrete Block\n•\nEngineered Wood\n•\nGlass\n•\nLog\n•\nPoured Concrete\n•\nSteel\n•\nStone\n•\nStucco\n•\nSynthetic Stone\n•\nSynthetic Stucco\n•\nVinyl\n• Wood\n•\n\nOther (Describe)\n\n8.027\n\nCondition Status Always required\n\nChoose an\nallowable answer\nfrom table\n(Exterior Feature\nCondition Status)\n\nExterior Walls and Trim Condition Status: The condition status of the exterior\nwalls and trim.\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNotes:\n•\n\nIf there are varying condition statuses for the exterior walls and trim,\nchoose the one that best explains the Exterior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Dwelling Exterior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Dwelling Exterior) subsection.\n"} diff --git a/chunks/json/86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb.json b/chunks/json/86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb.json new file mode 100644 index 0000000000000000000000000000000000000000..8edf7bf35fd1cce5290335338ac122d46d453103 --- /dev/null +++ b/chunks/json/86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":448650,"char_start":447041,"chunk_id":"chk_8e94fd2d9ff28c54","chunk_index":259,"chunk_sha256":"86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Rowhouse/Townhouse\n\nTownhouse End Unit\n\nTownhouse Back to Back\n\nYes\n\nNo\n\nTownhouse Location\n\nNo Units Above/Below\n\nRowhouse/\nTownhouse\n\nYes\n\nNo\n\nNo Units\nAbove/Below\n\nRowhouse/\nTownhouse\n\n$10,000\n\nNo\n\nNo\n\nNo Units\nAbove/Below\n\n2016\n\nRowhouse/\nTownhouse\n\n$10,000\n\nNo\n\nNo\n\nBottom Unit\n\n$0\n\nHeating\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\n5\n\n4 | 1\n\n5\n\n4 | 1\n\n3,308 Sq. Ft.\n\n3,272 Sq. Ft.\n\n720 Sq. Ft.\n\n72 Sq. Ft.\n\n620 Sq. Ft.\n\n72 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ3\n\nBrick | Wood\n\nC3\n\nQ2\n\nC3\n\n4\n\n4 | 1\n\n$0\n\n4\n\n3 | 2\n\n1,992 Sq. Ft.\n\n$98,700\n\n3,442 Sq. Ft.\n\n$0\n\n$5,000\n\n$0\n\n300 Sq. Ft.\n\n$8,400\n\n420 Sq. Ft.\n\n$6,000\n\n100 Sq. Ft.\n\n$0\n\n272 Sq. Ft.\n\n$0\n\nQ3\n\nQ3\n\n$0\n\n$0\n\nQ3\n\nBrick | Wood\n\nBrick | Cement Board\n\nBrick | Cement Board\n\nC3\n\nQ2\n\nC3\n\nC3\n\nQ2\n\nC3\n\nC3\n\nQ3\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nAppraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 14 of 22\n\nSales Comparison Approach (continued)\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n6543 Anywhere Pl\nAnywhere, MD 20854\n\n3245 Nowhere Pl\nAnywhere, MD 20854\n"} diff --git a/chunks/json/86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0.json b/chunks/json/86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0.json new file mode 100644 index 0000000000000000000000000000000000000000..3eccf2fb3ac91022a96f76f29fdcb3ac714603d3 --- /dev/null +++ b/chunks/json/86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9369,"char_start":8924,"chunk_id":"chk_f7942897671b8add","chunk_index":12,"chunk_sha256":"86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Supervisory Appraiser ................................................................................................................................................................................................ 48\n\nSIGNATORY to ROLE ............................................................................................................................................................................................................. 49\n"} diff --git a/chunks/json/8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e.json b/chunks/json/8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e.json new file mode 100644 index 0000000000000000000000000000000000000000..80271e52915fa64cc5902023bbbd0f4da28e7a67 --- /dev/null +++ b/chunks/json/8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":691384,"char_start":689755,"chunk_id":"chk_99f9125e8a79ce34","chunk_index":409,"chunk_sha256":"8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality\n\n1\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nAppraisal Form\nType\n\nSpecifies the appraisal form used to report\nthe valuation.\n\n/VALUATION_RESPONSE/REPORT/@AppraisalFormType\n\n10\n\nEnumerated\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nEmbedded File\n\nN/A\n\n/VALUATION_RESPONSE/REPORT/EMBEDDED_FILE/DOCUMENT\n\nN/A\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n4a\n\nHEADER\n\nBLANK\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\nSUBJECT\n\nProperty Address\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\n9\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n6\n\n7\n\n8\n\nSUBJECT\n\nUnit #\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier\n\n12\n\nString\n\nSUBJECT\n\nCity\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n"} diff --git a/chunks/json/870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062.json b/chunks/json/870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062.json new file mode 100644 index 0000000000000000000000000000000000000000..bb41e3639f14267d5b458e25b98937e6f12bdb18 --- /dev/null +++ b/chunks/json/870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12187,"char_start":10547,"chunk_id":"chk_e392d291aeb130d5","chunk_index":6,"chunk_sha256":"870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"Jul 21,\n2025\n\nNew MBS Pool\nstatus\n\nLoan Delivery will expand the current pool statuses to include two new statuses to indicate a\npool is pending processing. Pending status occurs when changes are made after hours, from\n8:30pm ET to 7:30am ET Monday through Friday, including weekends and holidays.\n\nJul 28,\n2025\n\nULDD Ph 5\n\nUpdates\n\n•\n\nClose Pending - Pool is certified, Loan Delivery ran an edit review after\ncertification/data changes, and no issues were identified. Pool is awaiting final edit\nreview and system close activities to be performed during business hours.\n• Reclose Pending - After pool closing, data changes were made, saved, and\n\nsubmitted. Loan Delivery ran a final edit review, and no issues were identified. Pool\nis awaiting final system reclose activities to be performed during business hours.\n\n• All loans with an Application Received Date on/after March 3, 2025, must meet ULDD\n\n•\n\nPhase 5 requirements.\nEdits enforcing the ULDD Phase 5 data collection requirements will transition to fatal\non July 28, 2025, for loans with an application received date on/after March 3, 2025.\n• See the Loan Delivery Business Rules for a listing of edits, users can filter on the Sub-\ncategory (Column J) and search ULDD Ph. 5. These edits are available in the Loan\nDelivery Test Environment with a severity of Fatal to accommodate lender testing.\n\nFor more information, see the ULDD Phase 5 Implementation Considerations & the ULDD\nPhase 5 Resources Document, both of which can be found on our ULDD Website.\n\nJul 28,\n2025\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n"} diff --git a/chunks/json/8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b.json b/chunks/json/8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b.json new file mode 100644 index 0000000000000000000000000000000000000000..64014277097b91a114da4f2931326e5aa453d71d --- /dev/null +++ b/chunks/json/8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10195,"char_start":8476,"chunk_id":"chk_69e48fe5dfc3bd19","chunk_index":4,"chunk_sha256":"8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Uniform data requirements support improved quality and accuracy of the data while preserving each\nGSE’s ability to determine what the data means to loan performance and loan quality in their individual\nbusinesses. The GSEs continue to exercise independent business judgment in evaluating, adopting, and\nmaintaining business terms, credit policies, and analytics that are part of our individual customer\nrelationships. Differences remain due to our unique business policies, mortgage products, and processes.\nThe existence of the Uniform Loan Delivery Dataset helps both sellers and the GSEs manage risk\nthrough efficient collection and use of consistent information about loan terms, collateral, and borrowers.\n\n2. Implementation Guide Overview\nThe Implementation Guide is designed to assist industry participants implement the MISMO Version 3.0\nReference Model in their loan delivery applications to meet Fannie Mae’s requirement for submitting single-\nfamily loan delivery data in the MISMO XML file format.\n\nThe basic loan delivery XML file supported by each GSE was originally documented in the Uniform Loan\nDelivery Data Specification (ULDDS), where the differences in the data conditionality and/or supported\nenumerated values based on each GSE’s credit policy and delivery eligibility requirements were\nhighlighted. Due to the differences in how each GSE’s loan delivery application supports data points and\nenumerated values, the ULDDS was discontinued and each GSE maintains GSE specific Implementation\nGuides. This Implementation Guide is specific to Fannie Mae’s implementation of the ULDD and\nrequirements for submitting loan delivery data in the MISMO file format to Fannie Mae’s Loan Delivery\napplication.\n"} diff --git a/chunks/json/871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962.json b/chunks/json/871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962.json new file mode 100644 index 0000000000000000000000000000000000000000..cdd4084ab082d35e5a4572e07a25f44b5875be42 --- /dev/null +++ b/chunks/json/871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962.json @@ -0,0 +1 @@ +{"chunk":{"char_end":212350,"char_start":210742,"chunk_id":"chk_13d293ecbc994985","chunk_index":106,"chunk_sha256":"871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. ONE PAYMENT PER YEAR RANGE\n\nFigure 65 illustrates the Estimated Total Monthly Payment when the payment does not increase during the\nYear Range.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 7\n\n5.1.2 Years 8 – 30\n\n5.2 Principal & Interest\n5.3 Mortgage Insurance\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total\nMonthly Payment\n\n5.2.1\n\n5.3.1\n\n5.4.1\n\n5.5.2\n\n$761.78\n82.35\n\n+\n\n+\n\n206.13\n\n$1,050.26\n\n5.2.4\n\n5.3.2\n\n5.4.2\n\n5.5.4\n\n$761.78\n\n+\n\n--\n\n+ 206.13\n\n$967.91\n\nFigure 65. Estimated Total Monthly Payments\n\nThe supporting data points are in the table below.\n\nTable 82. Estimated Total Monthly Payments\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.5\n\nEstimated Total ___\nPayment ($)\n\n…/PROJECTED_PAYM\nENT\n\nPaymentFrequencyTy\npe\n\nMonthly\n\nROF as “Monthly”\n\n5.5.2 Years 1 – 7 Estimated\nTotal Monthly\nPayment ($)\n\n…/PROJECTED_PAYM\nENT\n\nProjectedPaymentEst\nimatedTotalMaximu\nmPaymentAmount\n\n1050.26\n\nROF as “$1,050.26”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.5.4 Years 8 – 30\n\nEstimated Total\nMonthly Payment ($)\n\n…/PROJECTED_PAYM\nENT\n\nProjectedPaymentEst\nimatedTotalMaximu\nmPaymentAmount\n\n967.91\n\nROF as “$967.91”\n\n2. PAYMENT RANGE WI THI N A YEAR RANGE\n\nIf the Principal & Interest payment is expressed as a range (Figure 57), then the Estimated Total Monthly\nPayments will also be expressed as a range as shown below in Figure 66.\n\nAppendix E: UCD Implementation Guide\n\nPage 96 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5.0 Projected Payments\n"} diff --git a/chunks/json/8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c.json b/chunks/json/8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c.json new file mode 100644 index 0000000000000000000000000000000000000000..9cc2239c07886b4b1735089ef727e497d5d44c74 --- /dev/null +++ b/chunks/json/8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2802,"char_start":961,"chunk_id":"chk_ac5ac0a84da1a20a","chunk_index":1,"chunk_sha256":"8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c","token_estimate":460,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"© 2021 Fannie Mae. Trademarks of Fannie Mae.\nThis document is incorporated by reference into the Fannie Mae Selling Guide.\n\nOct 2021\n\n1 of 6\n\nMatrix Abbreviations\nThe following abbreviations are used throughout the Matrix.\n\nAbbreviation\n\nAdj\n\nConvert\n\nFreq\n\nIFRP\n\nIMIR\n\nInt\n\nIR\n\nLB\n\nN/A\n\nOrig\n\nPer\n\nPMIR\n\nPmt\n\nRound\n\nSubseq\n\nMeaning\n\nAdjustment\n\nConvertible\n\nFrequency\n\nSame as the Initial Fixed-Rate Period\n\nInitial Mortgage Interest Rate\n\nInterest\n\nInterest Rate\n\nLook-back\n\nNot Applicable\n\nOriginal\n\nPeriod\n\nPrior Month’s Interest Rate\n\nPayment\n\nRounding\n\nSubsequent\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\nThis document is incorporated by reference into the Fannie Mae Selling Guide.\n\nOct 2021\n\n2 of 6\n\nColumn Heading Descriptions\n\n1. Plan Number – ARM plan numbers are assigned by Fannie Mae.\n\n2. Fannie Mae Uniform Instrument Note/Rider Form Reference – Each ARM must be documented with the version of the indicated Fannie Mae uniform\n\nnote/rider form in effect at the time of execution of the note, or with a mortgage note form that does not contain any provision that is materially different from\nthe terms set forth in the indicated Fannie Mae uniform note/rider form. To the extent that the Fannie Mae uniform note/rider form indicated in the column is not\nused or the lender uses any other nonstandard documents, the lender is subject to the terms and conditions of the Selling Guide’s representations and\nwarranties, including, without limitation, the Document Warranties provisions in A2-2-03. Without limiting the above, the mortgage note must provide for\npayment of installments on a monthly basis, with the interest portion of each payment being determined based on a 360-day year and by computing 30 days’\ninterest on the outstanding principal balance of the mortgage loan as of the scheduled installment due date.\n"} diff --git a/chunks/json/8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53.json b/chunks/json/8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53.json new file mode 100644 index 0000000000000000000000000000000000000000..f46014bf3a45d2a4eb3a480c4f2b515a70bfdf6c --- /dev/null +++ b/chunks/json/8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34653,"char_start":33040,"chunk_id":"chk_8dfcd71e8ae32abe","chunk_index":28,"chunk_sha256":"8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Credentials\n\n04.018\n\nLevel\n\n2200.0100 AppraiserLicenseType\n\nAlways displays\n\nAlways displays\n\n04.019\n\nID\n\n2200.0103 LicenseIdentifier\n\n04.020\n\nState\n\n2200.0104 LicenseIssuingAuthorityStateCode\n\n04.021\n\nExpires\n\n2200.0102 LicenseExpirationDate\n\n04.022 ASC Identifier\n\n2400.0443 AppraisalSubCommitteeAppraiserIdentifier\n\n04.023 VA Appraiser ID\n\n04.024\n\nFHA Appraiser ID\n\n2400.0447\n2400.0446\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n\n2400.0447\n2400.0446\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n\n04.025\n\nEmployment\nType\n\n2400.0445 AppraiserEmploymentType\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label\n\nDisplay when provided.\nWhen not provided, do not display report label.\n\nDisplay “VA Appraiser ID” when\nGovernmentAgencyAppraisalType = \"VA\"\n\nDisplay “FHA Appraiser ID” when\nGovernmentAgencyAppraisalType =\"FHA\"\n\nDisplay when GovernmentAgencyAppraisalType = \"VA\"\nAlways displays report label when\nGovernmentAgencyAppraisalType = “VA”\n\nSupervisory Appraiser\n\nInformation about the Supervisory Appraiser, PartyRoleType (UID: 2200.0116, FID: Not on report) = “AppraiserSupervisor” displays when provided. If\nthere is no Supervisory Appraiser, the subsection does not display.\n\nPage 31\n\nAssignment Information: Contact Information – Supervisory Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n04.026 Name\n\n2200.0106 FirstName\n"} diff --git a/chunks/json/87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c.json b/chunks/json/87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c.json new file mode 100644 index 0000000000000000000000000000000000000000..4d973f324e8ce36edd5dae206750cabdef12a160 --- /dev/null +++ b/chunks/json/87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46488,"char_start":44691,"chunk_id":"chk_6eb6d23ab94cca0d","chunk_index":26,"chunk_sha256":"87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c","token_estimate":449,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Report Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIntended Users\n\nFHA and the\nMortgagee …\n\nPredefined text that\ndisplays when\nGovernment Agency\nType 04.004 is FHA\n\n05.009 The USDA and … Predefined text that\n\n05.009 The VA …\n\nNot on\nReport\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\n05.046\n05.010\n\nN/A\n\ndisplays when\nGovernment Agency\nType 04.004 is USDA\n\nPredefined text that\ndisplays when\nGovernment Agency\nType 04.004 is VA\n\nAlways required\n\nYes | No\n\nAdditional Intended Users\nIndicates whether there are additional intended users beyond the predefined\ntext.\n\nDisplays when\nAdditional Intended\nUsers is Yes\n\nFree-form\n\nAdditional Intended Users Text\nNote: Additional Intended User(s) cannot be contrary to, and should not\nrepeat, the predefined intended user text.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 23 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\n\nAppraiser Certifications\n\nThe Appraiser Certifications subsection always displays.\n\nCert 10 (Subject Property Inspection by Appraiser)\n\nThe appraiser must identify the extent of their inspection scope of work, which determines which of three\npredefined versions of Cert 10 displays.\n\nAppraiser Certifications: Cert 10 (Subject Property Inspection by Appraiser)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n05.021 This is an\n\nAlways required\n\nappraiser input\nthat does not\ndisplay\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nAppraiser Subject Property Inspection\nThe inspection attestation included by the appraiser in the valuation\ncertifications for the assignment. Determines which predefined version of Cert\n10 displays.\n•\n•\n•\n"} diff --git a/chunks/json/872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7.json b/chunks/json/872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7.json new file mode 100644 index 0000000000000000000000000000000000000000..fdaab9ce5401848f35495952fc7ae2b987642cbe --- /dev/null +++ b/chunks/json/872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":78475,"char_start":76862,"chunk_id":"chk_09b53102be77578d","chunk_index":45,"chunk_sha256":"872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• Q1\n\n• Q2\n\n• Q3\n\n• Q4\n\n• Q5\n\n• Q6\n\nThe definitions for the quality ratings are\nprovided in Exhibit 1.\n\nReporting Format:\nQuality of Construction – Appraiser must\nselect one value from the specified list\n\nPage 44 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nINSTRUCTION\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nDesign (Style)\nThe appraiser should describe the\narchitectural design for the subject and each\ncomparable property. In addition, they should\nprovide the attachment type and the number\nof stories.\n\nReporting Format:\nThe Attachment Type – The appraiser should\nselect one value from the specified list below:\n\nNumber of Stories – The appraiser should\nenter a number up to 2 decimal places.\nDescription of Style – The appraiser should\nenter a brief description of the style of the\nproperty.\nThe PDF creator should display the input in\nthe specified order. For Number of Stories,\nonly display a number after the decimal point\nif it exceeds zero. There should be no spaces\nbefore or after the semicolon. The maximum\nnumber of characters permitted before the\nsemicolon is 6.\n\nAT\n\nDT\n\nSD\n\nAttached Structure,\nuse for row and\ntownhomes that share\nmultiple communal\nwalls\n"} diff --git a/chunks/json/877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee.json b/chunks/json/877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee.json new file mode 100644 index 0000000000000000000000000000000000000000..d08a4ce491a2adcb79a647fe5eb7ddb180a770a8 --- /dev/null +++ b/chunks/json/877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48912,"char_start":47270,"chunk_id":"chk_93b309d99e313a3a","chunk_index":36,"chunk_sha256":"877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Display Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nDisplay when\nValuationReportInspectionCertificat\nionType = “InteriorAndExterior”\n\nDisplay when\nValuationReportInspectionCertificat\nionType = “Exterior”\n\nDisplay when\nValuationReportInspectionCertificat\nionType = “NoPhysicalInspection”\n\nAlways displays\n\nAlways displays\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nAppraiser Certifications\n\n05.024\n\n13\n\nI personally prepared all conclusions and opinions about the real estate that were set\nforth in this appraisal report. No one provided significant real property appraisal\nassistance.\n\nI personally prepared conclusions and opinions about the real estate that were set forth\nin this appraisal report. [Contact Name(s)] provided significant real property appraisal\nassistance in the development of this report. I certify that any individual so named is\nqualified to perform the assistance.\n\n05.025\n\n13\n\n[Contact Name(s)]\n\nIf this report was transmitted as an “electronic record” containing my “electronic\nsignature,” as those terms are defined in applicable federal and/or state laws (excluding\naudio and video recordings), or a facsimile transmission of this report containing a copy\nor representation of my signature, I agree that my electronic signature has the same\nforce and effect as my manual handwritten signature, and that the report is enforceable\nand valid as a paper version of this report would be if delivered containing my manual\nhandwritten signature.\n\nI have not performed any service regarding the subject property within the three years\npreceding the agreement to perform this assignment.\n"} diff --git a/chunks/json/8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf.json b/chunks/json/8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf.json new file mode 100644 index 0000000000000000000000000000000000000000..6d4538f4a0d9392fc0f6cc2a376870ad8cc3973c --- /dev/null +++ b/chunks/json/8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1277632,"char_start":1275926,"chunk_id":"chk_f69d67c0d669a222","chunk_index":757,"chunk_sha256":"8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n\n45\n\nString\n\n474\n\n6\n\n20a\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property Appraised\nCity,State,Zip\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_City\n\n40\n\nString\n\n475\n\n6\n\n20b\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property Appraised\nCity,State,Zip\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_State\n\n2\n\nString\n\nPDF Display Format:\nmm/dd/yyyy\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). Note: This data is referenced more than once on\nthe form (field 1-6, 2-11, 6-19), and must be represented consistently.\n\nThe following address elements should be included in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· City\nThis data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a) and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), and\nmust be represented consistently.\n"} diff --git a/chunks/json/878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884.json b/chunks/json/878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884.json new file mode 100644 index 0000000000000000000000000000000000000000..c0d970ed6d21bdd1457ef6d6c361419953b58e8c --- /dev/null +++ b/chunks/json/878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3548,"char_start":3514,"chunk_id":"chk_b770efb65e9e7854","chunk_index":2,"chunk_sha256":"878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9ac00110bb723006","text_sha256":"878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884","token_estimate":13,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-24-2026.pdf","below_target_min_tokens"]},"text":"©2026 Fannie Mae.\n\n1.7.26\n\n2 of 2\n"} diff --git a/chunks/json/87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484.json b/chunks/json/87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484.json new file mode 100644 index 0000000000000000000000000000000000000000..01ce6e193228c19f3ae831b046bed09f15f93b78 --- /dev/null +++ b/chunks/json/87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484.json @@ -0,0 +1 @@ +{"chunk":{"char_end":201854,"char_start":200196,"chunk_id":"chk_a4fbbfe15701b93a","chunk_index":198,"chunk_sha256":"87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display when image provided\n\nDisplay when image provided\n\n4.017.2\n4.020.2\n4.025.2\n4.032.2\n4.034.2\n4.039.2\n4.059.2\n4.063.2\n4.217.2\n\nImageCaptionCommentDescription\n\nDisplay when caption is provided\n\n1400.0640\n\nUser provided text following any enumerated\nvalue from ImageCategoryType.\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n\nSite – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the\nXML data, specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 140\n\nDEFECT to SITE\n\nEach defect identified in this section must be associated with site. i.e., the DEFECT container must be linked to SITE container via\narcrole. One RELATIONSHIP container is required for each defect associated with the site.\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n3900.0148\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf SITE\n\n3900.0149\n\nRELATIONSHIP\n\n@xlink:from\n\nDEFECT_n\n\n3900.0150\n\nRELATIONSHIP\n\n@xlink:to\n\n3900.0143\n\nSITE\n\n3900.0121\n\nDEFECT\n\n@xlink:label\n\n@xlink:label\n\nSITE_n\n\nSITE_n\n\nDEFECT_n\n\nRefer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.\n"} diff --git a/chunks/json/87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d.json b/chunks/json/87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d.json new file mode 100644 index 0000000000000000000000000000000000000000..129f8d1c5d15f252360ea892ec4898cff5df1423 --- /dev/null +++ b/chunks/json/87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1748,"char_start":0,"chunk_id":"chk_56db02d5137e4f1c","chunk_index":0,"chunk_sha256":"87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_52539eb348191c51","text_sha256":"87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHLBank_Targeted_Mission_Activities___U_S__FEDERAL_rk13at.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhlbank-targeted-mission-activities\"\ndate_accessed: \"2026-01-27T17:54:20.710Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901.json b/chunks/json/87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901.json new file mode 100644 index 0000000000000000000000000000000000000000..8b7420c864dc909508f987d04d4de355ad1bf21f --- /dev/null +++ b/chunks/json/87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22952,"char_start":20959,"chunk_id":"chk_2faf6769be479e56","chunk_index":11,"chunk_sha256":"87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901","token_estimate":498,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"D. HMDA Data Elements Not\nIncorporated in the PUDB as\nInapplicable\n\nThe following HMDA data elements\nhave not been incorporated in the PUDB\nbecause they are inapplicable to\nEnterprise mortgage purchases: as of\nyear; preapproval; action type;\npurchaser type; denial reason 1–3; edit\nstatus; application date prior 2004 flag;\nmultifamily occupancy; and multifamily\ntype of property.\n\nE. Technical Revisions to Data Elements\nin the PUDB Matrices\n\nFHFA has made technical revisions to\n\nthe following data fields in the PUDB\nmatrices to conform the data fields to\nlong-standing PUDB data reporting\npractice or provide greater clarity: loan\nnumber; MSA code; county-2000\ncensus; census tract-2000 Census; 2000\ncensus tract-percent minority; 2000\ncensus tract-median income; 2000 local\narea median income; area median family\nincome; borrower income ratio; ‘‘special\naffordable, seasoned loan: are proceeds\nrecycled?’’; single-family Federal\nguarantee; type of seller institution; and\nacquisition type.\n\nFHFA has made technical revisions to\nthe following data fields and references\nin the PUDB matrices to conform to the\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00044 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41183\n\nnew statutory requirements: borrower’s\n(or borrowers’) annual income; and\nsingle-family and multifamily\nacquisition unpaid principal balance\n(UPB).\n\nF. Proposed Data Elements Not Included\nin the PUDB\n\nThe following data elements are not\ncurrently collected by the Enterprises,\nand FHFA is not requiring that they be\ncollected and reported for inclusion in\nthe PUDB: multifamily borrower and co-\nborrower race or national origin;\nmultifamily borrower and co-borrower\nethnicity; multifamily borrower and co-\nborrower gender; multifamily rate\nspread; multifamily HOEPA status;\nrespondent ID; and agency code.\n"} diff --git a/chunks/json/87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9.json b/chunks/json/87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9.json new file mode 100644 index 0000000000000000000000000000000000000000..724da97ae8af06fb1232e842e6c7ea33b2319435 --- /dev/null +++ b/chunks/json/87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":202933,"char_start":201298,"chunk_id":"chk_6bf35e7c52217511","chunk_index":113,"chunk_sha256":"87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"8.198\n\nEscrowItemActualPaymentAmount\n\n210.60\n\n8.173\n\nEscrowItemPaymentPaidByType\n\nSeller\n\n8.843\n\nEscrowItemPaymentTimingType\n\nAtClosing\n\n…/ESCROW_ITEM_DETAIL\n\n8.172\n\nEscrowCollectedNumberOfMonthsCount\n\n4\n\n8.169\n\nEscrowItemType\n\nCondominiumAssociationDues\n\n8.171\n\nEscrowMonthlyPaymentAmount\n\n50.00\n\n8.139\n\nFeePaidToType\n\nThirdPartyProvider\n\n8.297\n\nIntegratedDisclosureSectionType\n\nInitialEscrowPaymentAtClosing\n\n8.188\n\nRegulationZPointsAndFeesIndicator\n\nfalse\n\n…/ESCROW_ITEM/ESCROW_ITEM_PAYMENTS/ESCROW_ITEM_PAYMENT\n\n8.198\n\nEscrowItemActualPaymentAmount\n\n8.173\n\nEscrowItemPaymentPaidByType\n\n75.00\n\nBuyer\n\n8.843\n\nEscrowItemPaymentTimingType\n\nAtClosing\n\n…/ESCROW_ITEM_PAYMENT\n\n8.198\n\nEscrowItemActualPaymentAmount\n\n125.00\n\n8.173\n\nEscrowItemPaymentPaidByType\n\nSeller\n\n8.843\n\nEscrowItemPaymentTimingType\n\nAtClosing\n\nUCD v2.0 Implementation Guide\n\n- 87 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 65. XML Snippet-Escrow Items Paid at Closing.\n\n\n…\n\n \n \n\n\n\n\n\n-77.00\n\n\n \n \n\n\n\n2\n\nHomeownersInsurance\n 100.83\n ThirdPartyProvider\n InitialEscrowPaymentAtClosing\n false\n"} diff --git a/chunks/json/87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e.json b/chunks/json/87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e.json new file mode 100644 index 0000000000000000000000000000000000000000..4c2f6447fbc59cd170940ce71d6e912a8d531b1e --- /dev/null +++ b/chunks/json/87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20318,"char_start":18708,"chunk_id":"chk_39145274f2be1a2a","chunk_index":11,"chunk_sha256":"87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"SF NFC\n\n14\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File C\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n5\n\nincome_cat\n\nBorrower Income Ratio\n\n1 = >=0, <=50%\n2 = >50, <=80%\n3 = >80%\n9 = Not applicable\n\nThe ratio of the borrower’s (or borrowers’)\nannual income to the area median family\nincome for the reporting year. This is the ratio\nused to determine whether the borrower’s (or\nborrowers’) income qualifies for an income-\nbased housing goal. This is the ratio defined at\n12 CFR 1282.15(b)(1) for owner-occupied\nunits.\n\nPurpose of loan reported by the Enterprise.\n\nIn order of precedence, the credit score\nclosest to the origination date, then that of the\nprimary borrower, and finally the minimum\nscore on record.\n\n6\n\n1\n\nltv_cat\n\nLoan-to-Value Ratio (LTV)\nat Origination, or\nCombined LTV (CLTV)\nwhere available\n\n7\n\n8\n\n9\n\n1\n\n1\n\n1\n\npurpose_sf_nfc\n\nPurpose of Loan\n\nfed_guarantee_sf_nfc\n\nFederal Guarantee\n\nscore_cat\n\nCredit Score\n\n1 = >0, <=60%\n2 = >60, <=80%\n3 = >80, <=90%\n4 = >90, <=95%\n5 = >95%\n9 = Missing\n1 = Purchase\n2 = Refinance/Other\n1 = Conventional (No Federal\nGuarantee)\n2 = Other\n1 = Less than 620\n2 = 620 - < 660\n3 = 660 - < 700\n4 = 700 - < 760\n5 = 760 or greater\n9 = Missing\n\nSF NFC\n\n15\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n10\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File C\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nproduct\n\nProduct Type\n"} diff --git a/chunks/json/87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca.json b/chunks/json/87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca.json new file mode 100644 index 0000000000000000000000000000000000000000..712f92b9f84b6112fd2357f8cd04db078b98c3c3 --- /dev/null +++ b/chunks/json/87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50604,"char_start":50139,"chunk_id":"chk_ab79a1bb39b8ce89","chunk_index":78,"chunk_sha256":"87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca","token_estimate":416,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Market Exhibits ........................................................................................................................................................................................................................ 241\n\nMarket – Arcrole Relationships ................................................................................................................................................................................................ 243\n"} diff --git a/chunks/json/87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013.json b/chunks/json/87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013.json new file mode 100644 index 0000000000000000000000000000000000000000..016e18afba2e640dd05fa5039e6b0ca929660fa4 --- /dev/null +++ b/chunks/json/87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9681,"char_start":7124,"chunk_id":"chk_5eec58a128870786","chunk_index":4,"chunk_sha256":"87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013","token_estimate":637,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.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## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Single Security Initiative and Common Securitization Platform\n\nPolicy\n\n# Single Security Initiative and Common Securitization Platform\n\nThe Federal Housing Finance Agency's (FHFA) [*2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac*](/node/2681) includes the strategic goal of developing a new securitization infrastructure for Fannie Mae and Freddie Mac (the Enterprises) for mortgage loans backed by single-family properties. To achieve this goal, Common Securitization Solutions (CSS), a joint venture owned by the Enterprises, is developing a Common Securitization Platform (CSP) under FHFA's direction and guidance. CSS acts as each Enterprise's agent to facilitate issuance of single-family mortgage securities, release related at-issuance and ongoing disclosures, and administer the securities post-issuance. In addition, CSS is creating the operational capabilities necessary to run the CSP. The CSP will support the Enterprises' single-family mortgage securitization activities, including the issuance by both Enterprises of a common single mortgage-backed security to be known as the Uniform Mortgage-Backed Security (UMBS). The issuance of UMBS should improve the overall liquidity of the Enterprises' securities and help ensure liquidity of the nation's housing finance markets.​\n"} diff --git a/chunks/json/87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078.json b/chunks/json/87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078.json new file mode 100644 index 0000000000000000000000000000000000000000..d38f49bcc5a701e5ad03950337c305db271f4f70 --- /dev/null +++ b/chunks/json/87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078.json @@ -0,0 +1 @@ +{"chunk":{"char_end":474036,"char_start":472433,"chunk_id":"chk_2b33e5bbbf0b2bd6","chunk_index":278,"chunk_sha256":"87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi\npIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nA free-form text field describing the one\nperson or entity that holds more than ten\n(10) percent ownership of the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConcentratedOwnershi\npDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n193\n\n1\n\n182\n\nPROJECT\nINFORMATION\n\n194\n\n195\n\n1\n\n1\n\n183\n\n184\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nWas the project created by the\nconversion of an existing\nbuilding(s) into a\ncondominium?\nYes\n\nWas the project created by the\nconversion of an existing\nbuilding(s) into a\ncondominium?\nNo\nWas the project created by the\nconversion of an existing\nbuilding(s) into a\ncondominium?\nIf Yes, describe the original use\nand the date of conversion\n\nProject Conversion\nIndicator\n\nIndicates that the project was converted\ninto the current Project Ownership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co\nndominium' and @_ConversionIndicator='Y']\n\nProject Conversion\nIndicator\n\nIndicates that the project was converted\ninto the current Project Ownership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co\nndominium' and @_ConversionIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProject Conversion\nOriginal Use\nDescription\n\nA free-form text field used to describe the\noriginal use before the project was\nconverted to its current Project Ownership\nType.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConversionOriginalUse\nDescription\n\n4000\n\nString\n"} diff --git a/chunks/json/87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9.json b/chunks/json/87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9.json new file mode 100644 index 0000000000000000000000000000000000000000..0d9dd0886c2efc4cc157b636f743853c5e9ca3c9 --- /dev/null +++ b/chunks/json/87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7045,"char_start":5426,"chunk_id":"chk_82ad0fddbbb59652","chunk_index":2,"chunk_sha256":"87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Appendix F-3: Completion Report Reference Guide\n\nPage 3 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nIntroduction\n\nIntroduction\n\nThe Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is\ntransmitted electronically through the Uniform Collateral Data Portal® (UCDP®). At the direction of the Federal\nHousing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-sponsored enterprises or GSEs)\njointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization\n(MISMO®) Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase.\n\nThe dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and\nfacilitate ongoing digitization in the appraisal process and the mortgage industry.\n\nIn the legacy UAD, standardized data was the key to evaluating risk at a macro level. The new dataset will take\nthis advancement even further by:\n• Creating consistent enumerated fields.\n• Keeping the related data together in each section for an easy-to-read report.\n• Reducing subjectivity to enhance impartiality through discrete data versus free-form text.\n• Conditionality driving what sections appear on the final output.\n• Eliminating the confusion of having two scopes of work (update and completion) on the same form.\n\nIn addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is\noutdated and no longer supported by MISMO. As part of this update, the UAD will conform to the latest MISMO\nReference Model (3.6).\n"} diff --git a/chunks/json/87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e.json b/chunks/json/87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e.json new file mode 100644 index 0000000000000000000000000000000000000000..0a4bfbf58044570e0b653d4cda678d91e3796ed6 --- /dev/null +++ b/chunks/json/87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":80335,"char_start":78675,"chunk_id":"chk_b9fa02a4facfe305","chunk_index":40,"chunk_sha256":"87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Mutually exclusive with\n“DueFromBorrowerAtClosing”\n\n16.011\n\ngse:LiabilitySecuredBySubjectPropertyIndicat\nor\n\nfalse\n\n…/LIABILITY/LIABILITY_HOLDER/NAME\n\n10.343\n\nFullName\n\n…/LIABILITY/PAYOFF\n\nBeta Card, Inc.\n\n10.334 PayoffAmount\n\n30000.00\n\nN O T E : Earlier versions of the UCD Spec omitted gse:LiabilitySecuredBySubjectPropertyIndicator when the Model form\nwas used. In UCD v2.0, the same set of data points must be submitted whether you use the Model or Alternate forms.\nAdditionally, the data point “PayoffPrepaymentPenaltyAmount” and the LiabilityType enumeration\n“BorrowerEstimatedTotalMonthlyLiabilityPayment” have been removed.\n\nFigure 20. XML File Snippet - Liability Line Items on Model Form.\n\n\n …\n\n\n\n\n \n\n\n\nFirstPositionMortgageLien\n \n \n\nDueFromBorrowerAtClosing\n true\n\n\n \n \n \n\n\n\nUCD v2.0 Implementation Guide\n\n- 28 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 20. XML File Snippet - Liability Line Items on Model Form.\n\nRho Servicing\n\n\n\n\n \n\n350000.00\n\n\n \n \n\n\n\nRevolving\n \n \n\nfalse\n"} diff --git a/chunks/json/8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a.json b/chunks/json/8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a.json new file mode 100644 index 0000000000000000000000000000000000000000..76fe1ef71338725c8e236913c6682860a6f8d7a1 --- /dev/null +++ b/chunks/json/8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8922,"char_start":8333,"chunk_id":"chk_cd08147f5a5271de","chunk_index":11,"chunk_sha256":"8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Restricted Appraisal Update Report – Arcrole Relationships ________________________________________________________________________ 47\n\nINSPECTION to ROLE ............................................................................................................................................................................................................ 48\n\nAppraiser .................................................................................................................................................................................................................... 48\n"} diff --git a/chunks/json/880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347.json b/chunks/json/880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347.json new file mode 100644 index 0000000000000000000000000000000000000000..997744f9b3c3c33bfd0ec3814d37f22df3b90d19 --- /dev/null +++ b/chunks/json/880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14612,"char_start":13014,"chunk_id":"chk_0fd8fe82ce29d227","chunk_index":8,"chunk_sha256":"880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Data Source\nMLS\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\n\n2\n\n3\n\n4\n\n5\n\nTypically Motivated\n\n07/17/2020\n\n$300,000\n\nNone\n\nNone\n\nTypically Motivated\n\n04/15/2019\n\n$275,000\n\nMLS\n\nMLS\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales The prior transfers of comps 2 and 5 represent resales at market value.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 10 of 19\nPage 10 of 19\n\nPG BRK\n\nSales Comparison Approach\n\nSubject Property\n\nComparable # 1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n318 Pine Crest Rd\nAnytown, MD 09992\n\n231 Beech Tree St\nAnytown, MD 09992\n\n431 Holly Ave\nAnytown, MD 09992\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS HC3148234 |\nAssessor Record\n\nMLS HC3183023 |\nAssessor Record\n\nMLS HC1234823 |\nAssessor Record\n\n0.24 Miles N\n\n$339,900\n\nSettled Sale\n\n$335,000\n\n$0\n\n$0\n\n$0\n\n$1,500\n\n11/17/2023\n\n12/28/2023\n\n39\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nDetached\n\n0.16 Miles W\n\n$350,000\n\nSettled Sale\n\n$350,000\n\n$0\n\n$0\n\n$0\n\n$2,500\n\n12/15/2023\n\n01/05/2024\n\n50\n\nDetached\n\n0.40 Miles E\n\n$364,900\n\nSettled Sale\n\n$364,900\n\n$0\n\n$0\n\n$0\n\n$3,000\n\n12/01/2023\n\n01/15/2024\n\n72\n\nDetached\n"} diff --git a/chunks/json/881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860.json b/chunks/json/881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860.json new file mode 100644 index 0000000000000000000000000000000000000000..c229be287d6e5dd217eb9b262dedbf4fe59aa57f --- /dev/null +++ b/chunks/json/881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860.json @@ -0,0 +1 @@ +{"chunk":{"char_end":390870,"char_start":388952,"chunk_id":"chk_d27882ad1904bfd2","chunk_index":310,"chunk_sha256":"881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860","token_estimate":480,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"23.01.21\n\nSubtotal\n\n2000.0035\n\nTotalMonthlyMarketRentAmount\n\nRedisplays from 23.01.04\nMust display, deliver as zero if the unit is not currently rented\nMust display\nCalculated: The sum of UnitMonthlyActualRentAmount (UID: 2000.089, FID: 23.01.13) for all units in\nthe Rental Information section.\n\nAlways displays\nAlways displays\nNote: Must be 0 if AdditionalRentalIncomeType is “None”\nAlways displays\nCalculated: The sum of MonthlyActualAdditionalIncomeAmount (UID: 2000.024, FID: 23.01.16) for all\ninstances of AdditionalRentalIncomeType\nAlways displays\nCalculated: TotalMonthlyActualRentAmount (UID: 2000.0032, FID: 23.01.14) +\nTotalMonthlyActualAdditionalIncomeAmount (UID: 2000.0031, FID: 23.01.17)\n\nRedisplays from 10.002 and 23.01.01, when exists\nRedisplays from 23.03.23\nMust display\nMust display\nCalculated: The sum of UnitMonthlyMarketRentAmount (UID: 2000.092, FID: 23.01.20) for all units in\nthe Rental Information section.\nNote: If the Income Approach is included in the report, also displays in 24.022\n\nOther Real Property Rental Income\n\n23.01.22 No label\n\n2000.0022\n\nAdditionalRentalIncomeType\n\nAlways displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport\nLabel\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nRental Information: Actual Income & Opinion of Market Income\n\n23.01.23 No label\n\n2000.0025 MonthlyEstimatedAdditionalIncomeAmount\n\n23.01.24\n\nSubtotal\n\n2000.0034\n\nTotalMonthlyEstimatedAdditionalIncomeAmo\nunt\n\n23.01.25\n\nTotal\n\n2000.0036\n\nTotalMonthlyEstimatedIncomeAmount\n\nAlways displays\nNote: Must be 0 if AdditionalRentalIncomeType is “None”\nAlways displays\nCalculated: The sum of MonthlyEstimatedAdditionalIncomeAmount (UID: 2000.025, FID: 23.01.23)\nfor all instances of AdditionalRentalIncomeType\nAlways displays\nCalculated: TotalMonthlyMarketRentAmount (UID: 2000.0035, FID: 23.01.21) +\nTotalMonthlyEstimatedAdditionalIncomeAmount (UID: 2000.0034, FID: 23.01.24)\n"} diff --git a/chunks/json/8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030.json b/chunks/json/8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030.json new file mode 100644 index 0000000000000000000000000000000000000000..dc0fad4cfb90aac50419024f76405c4d24ddefdc --- /dev/null +++ b/chunks/json/8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030.json @@ -0,0 +1 @@ +{"chunk":{"char_end":217300,"char_start":215690,"chunk_id":"chk_de383ba1729d63ee","chunk_index":122,"chunk_sha256":"8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"7.085\n\nFeePaidToType\n\nLender\n\n7.003\n\nIntegratedDisclosureSectionType\n\nOriginationCharges\n\n7.069\n\nRegulationZPointsAndFeesIndicator\n\ntrue\n\n…/FEE[IntegratedDisclosureSectionType=\"OriginationCharges\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION\n\n15.000\n\nucd:FeeItemType\n\nApplicationFee\n\n…/FEE[IntegratedDisclosureSectionType=\"OriginationCharges\"]/FEE_PAYMENTS/FEE_PAYMENT\n\n7.010\n\nFeeActualPaymentAmount\n\n500.00\n\nWith the exception of Fee Type =\n“Loan Discount Points” if a fee\nrendered on the CD is blank or “0”,\nso that if provided in the XML file the\n\nUCD v2.0 Implementation Guide\n\n- 93 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nvalue of FeeActualPaymentAmount\nwould be zero, do not deliver.\n\n7.008\n\nFeePaymentPaidByType\n\n7.009\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\nBuyer\n\nfalse\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidNotShopFor\"]/FEE_DETAIL\n\n7.073\n\nFeePaidToType\n\nThirdPartyProvider\n\n7.025\n\nIntegratedDisclosureSectionType\n\nServicesBorrowerDidNotShopF\nor\n\n7.070\n\nRegulationZPointsAndFeesIndicator\n\nfalse\n\n…/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidNotShopFor\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_\nEXTENSION\n\n15.004\n\nucd:FeeItemType\n\nAppraisalFee\n\n…/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidNotShopFor\"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETA\nIL\n"} diff --git a/chunks/json/88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405.json b/chunks/json/88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405.json new file mode 100644 index 0000000000000000000000000000000000000000..a4a12b26df48e4ae389447bd6fe0aed83bcc22c4 --- /dev/null +++ b/chunks/json/88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39839,"char_start":38169,"chunk_id":"chk_e31fdfa79524ba3c","chunk_index":19,"chunk_sha256":"88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405","token_estimate":418,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"3. Single-Family Data Field 25 and\nMultifamily Data Field 24: Special\nAffordable, Seasoned Loan: Are\nProceeds Recycled?\n\nThis data field identifies categories of\n\nseasoned (originating at least 365 days\nprior to acquisition by the Enterprise)\nloans eligible for the special affordable\nhousing goal. Effective for 2010 and\nbeyond, HERA eliminated the special\naffordable housing goal and the\nprovisions on giving full housing goals\ncredit under the goal to Enterprise\npurchases or refinancings of existing,\nseasoned portfolios of loans in\nconjunction with the origination of\nadditional goals-eligible loans.\nAccordingly, footnotes (7) and (5) to this\ndata field in the single-family and\nmultifamily matrices, respectively,\nindicate that the data field is not\napplicable for 2010 and beyond. In light\nof the HERA changes, the obsolete\nregulatory cites in the data fields have\nalso been removed.\n\n4. Single-Family Data Field 27 and\nMultifamily Data Field 34: Federal\nGuarantee\n\nThis data field identifies the source of\n\nthe Federal guarantee or insurance of\nthe loan acquired by the Enterprise. In\nlight of changes made by HERA, the\nobsolete regulatory cites in the data\nfields have been removed.\n\n5. Single-Family Data Field 55 and\nMultifamily Data Field 43:\nGeographically Targeted Indicator\n\nThis data field identifies whether a\n\nloan purchased by an Enterprise is\nlocated in an area defined to be\n‘‘underserved,’’ for purposes of meeting\nthe underserved areas housing goal.\nHERA eliminated the underserved areas\nhousing goal effective for 2010 and\nbeyond. Accordingly, footnotes (7) and\n(5) to this data field in the single-family\nand multifamily matrices, respectively,\n"} diff --git a/chunks/json/88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54.json b/chunks/json/88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54.json new file mode 100644 index 0000000000000000000000000000000000000000..c61e7a84e8a0b9f1cbc49385b47abe64a2bb2c8c --- /dev/null +++ b/chunks/json/88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27023,"char_start":25423,"chunk_id":"chk_65f03a3202d3b9f8","chunk_index":15,"chunk_sha256":"88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\nT\nT\nT\n\nT\nT\n\nN/A\nT\nT\nT\nT\nT\nT\n\nR\n\nR\n\nR\n\nT\nT\nT\nT\n\nT\nT\n\nN/A\nT\nT\nT\nT\nT\nT\n\nR\n\nR\n\nR\n\nT\nT\nT\nT\n\nT\nT\n\nN/A\nT\nT\nT\nT\nT\nT\n\nR\n\nR\n\nR\n\nT\nT\nT\nT\n\nT\nT\n\nN/A\nT\nT\nT\nT\nT\nT\n\nSite Zoning Permit Rebuild To Current Density Indicator**\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\n.PROPERTY\n..SITE\n...SITE_FEATURE\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 13 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nSite Feature Type**\n\nSite Feature Comment**\n\n.PROPERTY\n..SITE\n...FLOOD_ZONE\nNFIP Map Panel Date\n\n.PROPERTY\n..SITE\n...FLOOD_ZONE_EXTENSION\n….FLOOD_ZONE_EXTENSION_SECTION\nExtension Section Organization Name\n…..FLOOD_ZONE_EXTENSION_SECTION_DATA\n……FLOOD_ZONE_INFORMATION\nGSE NFIP Flood Zone Identifier\n\nGSE FEMA Flood Map Identifier\n\nGSE FEMA Special Flood Hazard Area Indicator\n\n.PROPERTY\n..SITE\n...SITE_UTILITY\nSite Utility Type**\n\nSite Utility Public Indicator**\n\nSite Utility Non Public Indicator**\n\nSite Utility Non Public Description**\n\n.PROPERTY\n..PROJECT\nProject Name**\n\nProject Common Elements Description**\n\nProject Common Elements Completed Indicator**\n\nProject Common Elements Status Description**\n\nProject Common Elements Lease Terms Description**\n\nProject Common Elements Leased Indicator**\n\nProject Contains Multiple Dwelling Units Indicator**\n\nProject Contains Multiple Dwelling Units Data Source Description**\n\nProject Conversion Indicator**\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\nCR\n\nCR\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\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n"} diff --git a/chunks/json/883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a.json b/chunks/json/883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a.json new file mode 100644 index 0000000000000000000000000000000000000000..ceb79071394821f5b4d6a0ae9ff249842503569e --- /dev/null +++ b/chunks/json/883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":313397,"char_start":311827,"chunk_id":"chk_275e69cacbbae313","chunk_index":169,"chunk_sha256":"883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Not Shown\n\nOptionalCostIndicat\nor\n\ntrue\n\nROF as “(optional)”\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nNot Shown –\nATR/QM\n\nFullName\n\nEpsilon Title\nCompany\n\nPayee company\nname\n\n8.17.2 Borrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n1000.00\n\nROF as “$1,000.00”\n\n8.17.2 Borrower-Paid\n\n8.17.2 At Closing\n\nFeePaymentPaidBy\nType\n\nBorrower\n\nROF as “Borrower-\nPaid”\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nfalse\n\nROF as “At Closing”\n\nAppendix E: UCD Implementation Guide\n\nPage 143 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\n1. MAPPI NG GUI DANCE\n\nLike Section E of the Other Costs table, section H. Other uses the FEE structure. The data points used to provide\nthis information are shown in the table above and are repeated as needed to satisfy the requirements of the\nindividual document. The enumerations representing title-related fee types all begin with the prefix “Title”. If\nthe line item is for a charge requiring the “optional” designation, the data point Optional Cost Indicator = “true”.\nOtherwise, the value will be “false.”\n\nB. FOR MORE I NFORMATI ON\n\n8.0 Reg §1026.38(g), pp. 80123, 80353, 80011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959.\n\n8.1 Reg §1026.38(g)(1), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(1) pp. 80117, 80342-3,\n\n79959.\n\n8.2 | 8.3 Reg §1026.38(g)(1), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(1) pp. 80117, 80342-3,\n\n79959.\n\n8.4 Reg §1026.38(g)(2), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(2) pp. 80117, 80343, 79960-\n"} diff --git a/chunks/json/883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442.json b/chunks/json/883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442.json new file mode 100644 index 0000000000000000000000000000000000000000..80d4dd8cd5ab0ce4945a264b366c6eaf522c6979 --- /dev/null +++ b/chunks/json/883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442.json @@ -0,0 +1 @@ +{"chunk":{"char_end":393304,"char_start":391693,"chunk_id":"chk_f127764e253be5ed","chunk_index":219,"chunk_sha256":"883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Where state law allows for the elimination of the certificate of title, the closing instructions must instruct the closing agent to\nperform all necessary procedures to:\n\n• assure that the certificate of title to the manufactured home is properly retired, and\n\n• provide the lender with documentary evidence for retention in the loan file.\n\nCertificate of Title\n\nThe table below provides conditional requirements pertaining to the manufactured home certificate of title.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 159 of 166\n\nUAD 3.6 Policy\n\nIf …\n\nThen …\n\nstate law permits the manufactured home to\nbecome real property when it is immediately affixed\nto the permanent foundation system, without\nissuance of a certificate of title,\n\na certificate of title has been issued, but state law\nprovides for or permits surrender of the certificate of\ntitle,\n\nthe lender must if the transaction involves the\npurchase of a new manufactured home obtain, and\nretain as part of the loan file, evidence that no\ncertificate of title was issued.\n\nFor example, if the lender obtains the manufacturer’s\ncertificate of origin, this would be evidence, in most\nstates, that no certificate of title could have been\nissued.\n\nthe lender must obtain, and retain as part of the loan\nfile, evidence that the certificate has been\nsurrendered.\n\nSuch evidence includes:\n\n•\n\nthe confirmation required to be provided by\nthe authority to which the certificate was\nsurrendered, or\n\n•\n\nif no such confirmation is obtainable:\n\no a copy of the documents submitted\nin connection with the surrender,\nand\n\no evidence that such documents were\n"} diff --git a/chunks/json/8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7.json b/chunks/json/8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7.json new file mode 100644 index 0000000000000000000000000000000000000000..0a6aa9a201c0f84f5f466ed5ba0aa3c2972e4d2a --- /dev/null +++ b/chunks/json/8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49415,"char_start":47388,"chunk_id":"chk_f0e2b44a7cfa64d7","chunk_index":33,"chunk_sha256":"8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7","token_estimate":507,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"https://www.fanniemae.com/content/technology_requirements/ulad-data-relationships.pdf\n\n1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income\nThe information in this section is similar to the tables in 1b and 1c above, except the borrower will only\nprovide the total income per month (not broken down by income type) and indicate if they were the business\nowner or self-employed.\n\n1e. Income from Other Sources\nA borrower that has income from non-employment sources should use the list provided in the redesigned\nForm 1003 to indicate the income type and corresponding monthly income amount. For income from other\nsources, the EmploymentIncomeIndicator should be false. For more information on income, please consult\nthe Frequently Asked Questions in Chapter 5.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n23\n\nIncome from military employment\nThe military base pay should be entered in the Base field of the Gross Monthly Income in the employment\nsections. The military entitlements and allowances are submitted in the IncomeType data point and should\nbe totaled and included in the “Military Entitlements” field in the employment sections of the Borrower\nInformation and Additional Borrower Form. Please consult the DU Spec for information on the data\nstructure that will be used in your Loan Application Submission file.\n\nReporting Employment\nThe employment for the borrower may be reported as either Primary or Secondary by using the\nEmploymentClassificationType in your Loan Application Submission file. The time spent or highest\nincome have no relation to Primary or Secondary employment. When you submit your Loan Application\nSubmission file, you will need to relate the borrower’s income with the employer (please refer to ArcRoles\nin DU Spec or the previous section of Relating the Income to Employment under 1b. Current\nEmployment/Self Employment and Income and indicate under the employer container instance if this is the\nPrimary or Secondary employment.\n"} diff --git a/chunks/json/885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5.json b/chunks/json/885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5.json new file mode 100644 index 0000000000000000000000000000000000000000..252dc06b79be5dc88b90d8f290b888a0f9e0266b --- /dev/null +++ b/chunks/json/885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39232,"char_start":38737,"chunk_id":"chk_b70de25721302695","chunk_index":63,"chunk_sha256":"885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5","token_estimate":432,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Intended User (H1) ............................................................................................................................................. 83\n\nCertifications ....................................................................................................................................................... 83\n\nAppraiser Certifications (H1) .............................................................................................................................. 83\n"} diff --git a/chunks/json/88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54.json b/chunks/json/88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54.json new file mode 100644 index 0000000000000000000000000000000000000000..249d233252a37d76f20445aa1b024cacc066be75 --- /dev/null +++ b/chunks/json/88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39561,"char_start":37958,"chunk_id":"chk_b88a2db9a92981ef","chunk_index":23,"chunk_sha256":"88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"#5\n0.5 Miles NE\n\nHillview\nGardens\n\nSimilar\n\nResidential\n\nSimilar\n\nSimilar\n\nSuperior\n\nResidential\n\nSimilar\n\nSimilar\n\nSimilar\n\n11,997 Sq. Ft.\n\n43,560 Sq. Ft.\n\n8,250 Sq. Ft.\n\n15,000 Sq. Ft.\n\n11,997 Sq. Ft.\n\n43,560 Sq. Ft.\n\n12,000 Sq. Ft.\n\n12,000 Sq. Ft.\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n3\n\n2 | 0\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n2\n\n1 | 0\n\nC3\n\n2\n\n1 | 0\n\nC4\n\n3\n\n2 | 0\n\n864 Sq. Ft.\n\n864 Sq. Ft.\n\n820 Sq. Ft.\n\n1,056 Sq. Ft.\n\n864 Sq. Ft.\n\n864 Sq. Ft.\n\n900 Sq. Ft.\n\n1,260 Sq. Ft.\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\n—\n\nNo\n\nNo\n\n—\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nVehicle Storage | Spaces\n\nDriveway | 6\n\nSuperior\n\nSuperior\n\nSimilar\n\nCarport | 2\n\nSimilar\n\nSimilar\n\nInferior\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\n$1.01\n\n$875\n\n$875\n\n$1.07\n\n$925\n\nSimilar\n\n$0.98\n\n$800\n\n$0.95\n\n$1,000\n\nSimilar\n\nSuperior\n\n$0\n\n$0\n\n$1.07\n\n$925\n\n$1.44\n\n$1,300\n\n$0.95\n\n$1,200\n\nSimilar\n\nSuperior\n\nSuperior\n\n$900\n\n$800\n\n$900\n\n$925\n\n$900\n\n$850\n\n$925\n\nComparable Weight\n\nMost\n\nLess\n\nLess\n\nMost\n\nLess\n\nLess\n\nRental Analysis Commentary\n\nThis data and other rent comparable information gathered from discussions with landlords, owners, and property managers support\nestimated rents for the subject. Estimated rents have been based on the above rent survey as well as a rental survey of the general area.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 29\nPage 21 of 29\n\nRental Information (continued)\n"} diff --git a/chunks/json/8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066.json b/chunks/json/8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066.json new file mode 100644 index 0000000000000000000000000000000000000000..2294a34e2a1b03610bee7ec7c76f201a52436eb0 --- /dev/null +++ b/chunks/json/8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4808,"char_start":3209,"chunk_id":"chk_e33f3a381db0e27d","chunk_index":2,"chunk_sha256":"8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f7d01bb05d443ddd","text_sha256":"8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.xml/SF5_Appraisal_v1.1.xml"]},"text":"true\n\nfalse\n\nfalse\n\nNone\n\nBordering\n\nResidential\n\nNeutral\n\n15000\n\n1\n\nPublic\n\nElectricity\n\nPublic\n\nGas\n\nPublic\n\nSanitarySewer\n\nPublic\n\nWater\n\nNeutral\n\ntrue\n\nFull\n\nResidential\n\n3 Residential Building Lots per Acre\n\nR-3\n\nLegal\n\n318 Pine Crest Rd\n\nAnytown\n\n09992\n\nMD\n\nDriveway\n\nConcrete\n\n3\n\nfalse\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n6500\n\nView\n\n0\n\nYearBuilt\n\n4500\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n2000\n\nOutdoorLivingAmenity\n\n348000\n\nNorth\n\nLess\n\nfalse\n\n279\n\n1\n\n0.24\n\n13000\n\nDwelling\n\n2017\n\n1200\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\nC3\n\nQ4\n\n1\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF5_Comp1.png\n\nimage/png\n\n39\n\n339900\n\nSettledSale\n\n25.164174\n\n-51.328126\n\nHilltop Hills\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\n2023-11-17\n\n1500\n\n2023-12-28\n\n335000\n\nSale\n\nNone\n\nfalse\n\n13500\n\nFull\n\nHighDensityResidential\n\n231 Beech Tree St\n\nAnytown\n\n09992\n\nMD\n\nDriveway\n\nConcrete\n\n3\n\nfalse\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n350000\n\nWest\n\nLess\n\nfalse\n\n278\n\n2\n\n0.16\n\n0\n\nDwelling\n\n2018\n\n1260\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\nC3\n\nQ4\n\n1\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF5_Comp2.png\n\nimage/png\n\n50\n\n350000\n\nSettledSale\n\n25.164175\n\n-51.328127\n\nHilltop Hills\n\nDeck\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\n2023-12-15\n\n2500\n\n2024-01-05\n\n350000\n\nSale\n\n2020-07-17\n\n300000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\n15000\n\nFull\n\nResidential\n\n431 Holly Ave\n\nAnytown\n\n09992\n\nMD\n\nDriveway\n\nConcrete\n\n3\n\nfalse\n\nDetached\n\nGarage\n\n1\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n"} diff --git a/chunks/json/888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4.json b/chunks/json/888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4.json new file mode 100644 index 0000000000000000000000000000000000000000..25203c40fd46591a776633c188a26cf681c2f019 --- /dev/null +++ b/chunks/json/888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36060,"char_start":34451,"chunk_id":"chk_0413bba44af14e5a","chunk_index":19,"chunk_sha256":"888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"The tables below explain how each loan state is used for delivered (subject) loans and\nsupporting (related) loans.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 15 of 22\n\nTable 5 - Subject Loan State\n\nLoanStateType Conditionality\n\nLoanStateDate Comments\n\nAtClosing\n\nApplies to all\nsubject loans.\n\nOriginal/Note\nDate.\n\nCurrent\n\nApplies to all\nsubject loans.\n\nAtModification\n\nApplies to subject\nloan when the\nloan has been\nmodified prior to\ndelivery.\n\nDate the data is\nretrieved from the\nseller’s delivery\nsystem.\nLoan Modification\nEffective Date\n(data point in the\ndelivery dataset).\n\nFor modified loans, the\nAtClosing Loan container\nwill only contain a subset\nof data. Refer to Appendix\nA: Fannie Mae XML Data\nRequirements for the\nrequired MISMO data\npoints in this scenario.\n\nA Current LOAN container\nis always required for all\nsubject LOANs.\n\nOnly required for modified\nloans; the loan delivery\nXML file also requires\nCurrent and AtClosing\nLoan containers –\nsee AtClosing comment\nabove.\n\nTable 6 - Related Loan State\n\nLoanStateType Conditionality\n\nLoanStateDate Comments\n\nAtClosing\n\nCaptures second\nlien loan\ninformation.\n\nOriginal/Note\nDate.\n\nThe loan delivery data\nmust represent the\noriginal closing data at the\ntime of closing or the data\npopulated on the note\nassociated with the\nspecified mortgage loan.\n\nCurrent\n\nAtModification\n\nCaptures second\nlien loan\ninformation.\n\nCaptures second\nlien information,\nwhen the loan\nhas been\nmodified prior to\nclosing.\n\nDate the data is\nretrieved from\nthe seller’s\ndelivery system.\nLoan\nModification\nEffective Date\n(data point in\nthe delivery\ndataset).\n"} diff --git a/chunks/json/8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac.json b/chunks/json/8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac.json new file mode 100644 index 0000000000000000000000000000000000000000..ead3a921e60ba0c489309f9064fe983cce96427f --- /dev/null +++ b/chunks/json/8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49564,"char_start":47963,"chunk_id":"chk_da9cc9e756cfb073","chunk_index":44,"chunk_sha256":"8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"LicenseIssuingAuthorityStateCode\n\n08.012\n\nExpires\n\n2400.0402\n\nLicenseExpirationDate\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0373, FID: 08.006) =\n“Lender” or “Management Company”…\n\nDisplay when provided for PartyRoleType (UID: 2400.0373,\nFID: 08.006) = “ManagementCompany”. If not provided, do\nnot display report label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0373,\nFID: 08.006) = “ManagementCompany”. If not provided, do\nnot display report label.\n\nAppraiser and Supervisory Appraiser\n\nThis portion of Contact Information shows details about the Appraiser and Supervisory Appraiser (if any).\n\n• The Appraiser displays first, followed by the Supervisory Appraiser (if any).\n• Although the report is very similar for appraisers and supervisors, the data points in the Appraisal Completion Report Specification are different, and\n\ntherefore they are split out in this document.\n\nAppraiser\n\nInformation about the appraiser, PartyRoleType (UID: 2400.0056, FID: Not on report) = “Appraiser”, always displays.\n\nNote: To easily find data points in the Appraisal Completion Report Specification, search for\n\n“Appraiser” under the “Additional Context” column.\n\nPage 43\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nAssignment Information: Contact Information – Appraiser\n\n08.0013 Name\n\n2200.0126\n\nFirstName\n\n2200.0128 MiddleName\n\n2200.0127\n\nLastName\n\n2200.0129\n\nSuffixName\n\n08.0014 Designation\n\n2400.0475\n\nAppraiserDesignationType\n\n08.0015 Company Name\n\n2400.0471\n\nAppraiserCompanyName\n\n08.0016 Company Address\n\n2400.0466\n\nAddressLineText\n\n2400.0467\n\nCityName\n"} diff --git a/chunks/json/889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a.json b/chunks/json/889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a.json new file mode 100644 index 0000000000000000000000000000000000000000..02918897f71781bea648c77476067d45d6204919 --- /dev/null +++ b/chunks/json/889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1629,"char_start":0,"chunk_id":"chk_144b5eb90d701859","chunk_index":0,"chunk_sha256":"889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a","token_estimate":407,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix C‐1: URAR without Report Field IDs\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners\n\nRevision History\n\nDate\n\nVersion   Report Section\n\n9/17/2024\n\n1.2\n\n12/12/2023\n\n1.1\n\n3/29/2023\n\n1.0\n\nIntroduction\n\nFooter\nMarket\nRevision History\nFooter\n\nMarket\n\nChange #\n2024‐028\n2024‐024\n2024‐043\n2023‐061\n2023‐001\n\n2023‐031\n\nCertifications and\nScope of Work\n\n2023‐003\n\nRevision Description\nUpdated date in Footer to September 2024.\nDeleted Property Value Trend.\nAdded the Reconsideration of Value subsection.\nUpdated date in Footer to December 2023.\nRemoved the “Under Review” watermark.\nDeleted Subject Conforms to Surrounding Area, Reason, and Description.\nChanged Report Label to Market Area Boundary.\nUpdated predefined text for Appraiser Certifications 18, 24, and 25, and all\nSupervisory Appraiser Certifications.\nClarified that Contact Name(s) display for Appraiser Certification 21.\nInitial publication\n\nThe purpose of this document is to show all possible Report Labels that may display on the URAR, regardless\nof conditionality. This is not intended to represent a realistic report as an appraisal will never contain all of\nthe available fields in one report.\n\nTerm\nReport Label\n\nDefinition\nThe name of the field as shown on the URAR.\n\n+.5 li #\n\nonly in\n\nSummary\n\nUniform Residential Appraisal Report\n"} diff --git a/chunks/json/88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215.json b/chunks/json/88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215.json new file mode 100644 index 0000000000000000000000000000000000000000..19750bf3f4f6f32af7fb2d59d65d1fe8b2ee4754 --- /dev/null +++ b/chunks/json/88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1621,"char_start":0,"chunk_id":"chk_f4fc593ab56d4d02","chunk_index":0,"chunk_sha256":"88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d2c6afec56ba40de","text_sha256":"88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2020-ucd-release-notes.pdf"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nSeptember 30, 2020\n\nUpdated October 26, 2020\n\nThis UCD Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read format all in one document. See the 2019\nRelease Notes Summary to review an archive of the enhancements to UCD in 2019.\n\nLooking for Feedback Message updates? Review the ‘Edit Updates’ tab in the UCD Feedback Messages for a summary of this year’s message updates.\n\nOn the Horizon\n\nEffective\nDate\n\nNov. 2, 2020\nUPDATED\n\nImpacted\nArea\n\nDescription\n\nUCD Critical Edits -\nPhase 1\nImplementation\n\nAs announced on August 11, 2020, Fannie Mae will be transitioning UCD edits from Warning to a Fatal severity over the\nnext two years. In preparation for the transition to Fatal edits, lenders should review all feedback messages returned by\nthe UCD Collection Solution and resolve any issues, particularly those relating to future Fatal edits.\n\nReview the Edit Change Effective Date in the UCD Feedback Messages for a listing of the Phase 1 effective edit updates\n(total of 38 edits) including:\n\n•\n\n•\n\n•\n\n•\n\n8 new warning edits related to Closing Information, Loan Information, Loan Disclosures, Escrow\nAccount, Loan Calculations, GSE Specific, and GSE Regulation Z.\n\n36 existing edits marked to change severity from Warning to Fatal as of May 2021.\n\n17 existing edits with a text change update.\n\n2 existing Fatal edits with no severity changes required for May 2021.\n\nThe UCD Feedback Messages have been updated to reflect which edits will be Fatal as of May 2021.\n"} diff --git a/chunks/json/88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534.json b/chunks/json/88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534.json new file mode 100644 index 0000000000000000000000000000000000000000..5820557d11d88154dac5f7a0f1f352be2dcd0093 --- /dev/null +++ b/chunks/json/88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3424,"char_start":1774,"chunk_id":"chk_3eeb03fceb7fd285","chunk_index":1,"chunk_sha256":"88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534","token_estimate":413,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Appendix E Supplements are as follows:\n\n• Appendix E-1: URAR with Codes\n\n• Appendix E-2: Restricted Appraisal Update Report with Codes\n\n• Appendix E-3: Completion Report with Codes\n\n2 COLUMN PAGE FORMAT\n\nUniform Residential Appraisal Report\n\nTITLE\n\nTITLE-ADD\n\n[ADDRESS]\n\n+.5 li #\n\nonly in\n\nSummary\n\nSUM-HD\n\nSUMMARY\n\nTXR-B\n\nOpinion of Market Value\n\nTXC-B\n\nFinal Value Condition Statement\n\nTXR-B\n\nTXR-B\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nContract Price\nListing Status\n\nH1\n\nProperty Description\n\nTXR-B\nTXR-B\nTXR-B\n\nConstruction Method\nAttachment Type\nStructure Design\n\nCK1\n\nCK1\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nTXR-B\nTXR-B\nTXR-B\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n(Cooperative Interest)\n\nTXR-B\n\nMarket Value Condition\n\nTXR-B\nTXR-B\n\nProperty Valuation Method\nAppraiser Name\n\nTXR-B\nTXR-B\n\nOverall Quality\nOverall Condition\n\nY/N\n\nYes No\n \n \n \n \n \n \n\nY/N\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nYes No\n \n\nProperty Restriction\nEncroachment\nZoning Compliance\nHUD Data Plate Attached\nHUD Label Present for All Sections\n\nCK1\n\nTXR-B\n\nTXR-B\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThe items listed below represent the As Is condition as of the effective date of this report\n"} diff --git a/chunks/json/88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913.json b/chunks/json/88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913.json new file mode 100644 index 0000000000000000000000000000000000000000..8aac00422d4b4fb4f3a513e3b6ab274119067cc2 --- /dev/null +++ b/chunks/json/88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913.json @@ -0,0 +1 @@ +{"chunk":{"char_end":242875,"char_start":241272,"chunk_id":"chk_f2e3ce3f69454a74","chunk_index":140,"chunk_sha256":"88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Market (continued)\n\nMarket Exhibits\n\nPrice Trend\n\nThis is where the Price Trend graph would display.\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Name\nProject Information Data Source Property Management\n\nXYZ Apartments\n\nProject Completeness\n\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\nCompany\n126\n120\n1\n5\n\nMandatory Fees (HOA, PUD, or Co-op)\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\n$2,631\n\nInground Pool\nTheater\nElectricity\nGas\nSanitary Sewer\nWater\n\nObserved Deficiencies\n\nYes No\n \n\nAre units, common areas, and amenities in project\ncomplete?\nSubject Property Building Complete\nConverted in Past 3 Years\n\nGround Rent\n\nAnnual Amount\nExpires\n\n$45,000\n12/2039\n\nYes No\n \n\n \n \n \n\nDescription of Ground Rent The ground rent has been stable over\nthe last five years. The ground rent is controlled through the City of\nWashington, D.C.\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 10 of 18\nPage 10 of 18\n\nProject Information (continued)\n\nCooperative Information\n\nShares Issued and Outstanding\nShares Attributable to Subject\nProperty\n\n97,222\n\n374\n\nProject Blanket Financing\n\nPro Rata Share\n\n0.3847%\n\nLien Detail\nUnpaid Principal Balance\n\nFirst Lien\n$10,957,629\n\nLine of Credit\n\nBalloon Mortgage\n\nRemaining Term\n\nMonthly Payment\n\nInterest Rate\n\nAmortization Type\n\nPro Rata Share of Balance\nAttributable to Unit\n\nNo\n\n21 Months\n\n$63,739\n\n4.060%\n\nFixed\n"} diff --git a/chunks/json/88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61.json b/chunks/json/88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61.json new file mode 100644 index 0000000000000000000000000000000000000000..457df2952eb63e544ce4cc8517166720b3ff7591 --- /dev/null +++ b/chunks/json/88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1773,"char_start":1710,"chunk_id":"chk_906421ccb6c88fb3","chunk_index":1,"chunk_sha256":"88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fc10958d48e3aec5","text_sha256":"88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61","token_estimate":18,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/dudo-integration-impact-memo-mar-15-2025.pdf","below_target_min_tokens"]},"text":"© 2025 Fannie Mae. Trademarks of Fannie Mae. 1.22.2025\n\n1 of 1\n"} diff --git a/chunks/json/88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be.json b/chunks/json/88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be.json new file mode 100644 index 0000000000000000000000000000000000000000..bb1eadfe233224f52237ed8ab97d7080e239dded --- /dev/null +++ b/chunks/json/88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":167889,"char_start":166463,"chunk_id":"chk_0110b5bab02aac60","chunk_index":92,"chunk_sha256":"88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"356.16<\n\n/ProjectedPaymentEstimatedTaxesInsuranceAssessmentTotalAmount>\n\n\n\n\n\n…\n\n\n2. PROJECTED PAYMENTS LINE ITEMS\n\nThe “Payment Calculation” half of the Projected Payments table helps the borrower understand:\n\na. How the three major components of their periodic mortgage payment can change over time.\n\nb. Whether the payment can change over the life of the loan, and if so, the limits of the change.\n\nc. Any unique payment characteristics.\n\nFigure 51. Rendering Payment Calculation Data on the CD Projected Payments Table.\n\nProjected Payments\n\n5.0\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 5\n\n5.1.2 Years 6 – 30\n\n5.1.3\n\n5.2 Principal & Interest\n\n5.2.1\n5.2.2\n5.2.3\n\n$1,007.35\n\n5.2.4\n5.2.5\n\n$1,007 min\n$1,452 max\n\n5.2.6\n5.2.7\n\n5.1.4\n\n5.2.8\n5.2.9\n\nUCD v2.0 Implementation Guide\n\n- 72 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 51. Rendering Payment Calculation Data on the CD Projected Payments Table.\n\nProjected Payments\n\n5.0\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 5\n\n5.1.2 Years 6 – 30\n\n5.1.3\n\n5.3 Mortgage Insurance\n\n5.3.1\n\n+$109.00 5.3.2\n\n--- 5.3.3\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total\nMonthly Payment\n\n5.4.1\n\n+$356.00 5.4.2\n\n+$356.00 5.4.3\n\n5.5.1\n5.5.2\n\n$1,472.35\n\n5.5.3\n5.5.4\n\n$1,363 min\n$1,808 max\n\n5.5.5\n5.5.6\n"} diff --git a/chunks/json/88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6.json b/chunks/json/88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6.json new file mode 100644 index 0000000000000000000000000000000000000000..8072da3f7cd134fd6dcedab8360139f3820a8080 --- /dev/null +++ b/chunks/json/88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":215688,"char_start":213996,"chunk_id":"chk_a89c9b7aacdaa10e","chunk_index":121,"chunk_sha256":"88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Further itemization beyond “RecordingFeeForDeed” and “RecordingFeeForMortgage” is required neither by CFPB nor the\nGSEs. However, the UCD v2.0 Spec includes additional recording fee enumerations. If lenders decide to provide additional\nrecording fee enumerations in the XML file, they must use a supported enumeration, include the same line item data points\nas for “RecordingFeeTotal” and the FeeActualPaymentAmount value must reflect them.\n\nTable 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements.\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/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"OriginationCharges\"]/FEE_DETAIL\n\n7.085\n\nFeePaidToType\n\n7.006\n\nFeeTotalPercent\n\nLender\n\n1.0000\n\n7.003\n\nIntegratedDisclosureSectionType\n\nOriginationCharges\n\n7.069\n\nRegulationZPointsAndFeesIndicator\n\ntrue\n\nIncluded so that the associated fee\ncan be rendered on the CD in the\nintended section.\n\nAlthough not required by the TRID\nReg, UCD v2.0 is maintaining v1.5\nrequirement to avoid confusion.\n\n…/FEE[IntegratedDisclosureSectionType=\"OriginationCharges\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION\n\n15.001\n\nucd:FeeItemType\n\nLoanDiscountPoints\n\n…/FEE[IntegratedDisclosureSectionType=\"OriginationCharges\"]/FEE_PAYMENTS/FEE_PAYMENT\n\n7.010\n\nFeeActualPaymentAmount\n\n2110.00\n\n7.008\n\nFeePaymentPaidByType\n\n7.009\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\nBuyer\n\nfalse\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"OriginationCharges\"]/FEE_DETAIL\n"} diff --git a/chunks/json/88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc.json b/chunks/json/88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc.json new file mode 100644 index 0000000000000000000000000000000000000000..be4d100c4aa35e7f86e5a0e0724ccf5ce8c77c3b --- /dev/null +++ b/chunks/json/88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1008,"char_start":0,"chunk_id":"chk_3a96b09d470722ff","chunk_index":0,"chunk_sha256":"88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc","token_estimate":410,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix B-1: URAR Implementation iGuide - Supplement -\nUsability and Implementation Guidance\nDocument Version 1.0\nDecember 12, 2023\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n©2023 Freddie Mac and Fannie Mae. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion Revision Description\n\n12/12/2023\n\n1.0\n\nInitial publication\n\nAppendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0\n\nPage 2\n\nTable of Contents\n\nRevision History .............................................................................................................................................. 2\n\nTable of Contents ............................................................................................................................................ 3\n"} diff --git a/chunks/json/88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5.json b/chunks/json/88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5.json new file mode 100644 index 0000000000000000000000000000000000000000..0ba4628b3f5aff7c2ae9f7323011645c002a8085 --- /dev/null +++ b/chunks/json/88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":176690,"char_start":174874,"chunk_id":"chk_b21f6b96b2599f7e","chunk_index":99,"chunk_sha256":"88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Land Use\n\nOverview\n\nMarket area characteristics and trends influence the value of one- to four-unit residences and an analysis of the subject property’s\nmarket is a key element in the appraisal process. Market area is defined as the geographic region, for a subject property, from\nwhich most demand comes and in which most of the competition is located.\n\nMarket Area Boundaries, Description and Analysis\n\nFannie Mae requires the appraiser to perform an objective analysis of the market area by identifying its boundaries,\ncharacteristics, and factors affecting value and marketability.\n\n• Market Area Boundaries. The appraiser should provide an outline of the market area boundaries, which should be\n\nclearly delineated using ‘North,’ ‘South,’ ‘East,’ and ‘West.’ These boundaries may include, but are not limited to, streets,\nlegally recognized market area boundaries, waterways, or other natural boundaries that define the separation of one\nmarket area from another. A map of the market area boundaries showing Active Listings, Pending Sales, and the Sales in\nLookback Period may be provided, which will display as part of Market Exhibits in the appraisal report.\n\n• Market Characteristics. These can be addressed by the types of structures (detached, attached) and architectural styles\n(such as row or townhouse, colonial, ranch, or Victorian); current land use (such as single-family residential, commercial,\nor industrial); typical site size (such as 10,000 sf, or 2.00 ac); or street patterns or design (such as one-way street, cul-de-\nsac, or court).\nFactors that affect value and marketability. These can be addressed by such things as the proximity of the property to\nemployment and amenities, appeal to the market, changes in land use, access to public transportation, and adverse\nenvironmental influences.\n"} diff --git a/chunks/json/88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed.json b/chunks/json/88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed.json new file mode 100644 index 0000000000000000000000000000000000000000..da5bd18b7a36b7cea6f5208d0aa67e767e9b8630 --- /dev/null +++ b/chunks/json/88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62798,"char_start":62078,"chunk_id":"chk_51610d0d88b4cb21","chunk_index":65,"chunk_sha256":"88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed","token_estimate":404,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"23.01.01\n\n23.01.02\n\n23.01.03\n\n23.01.04\n\n23.01.05\n\n23.01.06\n\n23.01.07\n\n23.01.08\n\n23.01.09\n\n23.01.10\n\n23.01.11\n\n23.01.12\n\n23.01.15\n\n23.01.13\n\n23.01.14\n\n23.01.16\n\n23.01.17\n23.01.18\n\n23.01.19\n\n23.01.22\n\n23.01.20\n\n23.01.21\n\n23.01.23\n\n23.01.24\n\n23.01.25\n\n23.02.01.1\n\n23.02.03.1\n\n23.02.01\n\n23.02.02\n\n23.02.03\n\n23.02.04\n\n23.02.05\n\n23.02.06\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n23.03.01\n\n23.03.24\n\n23.03.02\n\n23.03.03\n\n23.03.04\n\n23.03.05\n23.03.06\n\n23.03.07\n"} diff --git a/chunks/json/88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35.json b/chunks/json/88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35.json new file mode 100644 index 0000000000000000000000000000000000000000..1dd3aa5739c16d27734aa579071b8b3837e8a998 --- /dev/null +++ b/chunks/json/88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35.json @@ -0,0 +1 @@ +{"chunk":{"char_end":242070,"char_start":240455,"chunk_id":"chk_53fb17779644ffe3","chunk_index":142,"chunk_sha256":"88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Attic Exists: Indicates whether the structure has an attic.\nNotes:\n•\n\nFor VA appraisals, “Yes” or “No” displays and no additional attic\ninformation is required.\nFor FHA and USDA appraisals:\n\n•\n\no When there is no attic, “No” displays.\no When there is an attic, additional attic information is required.\n\nYes\nNo (Inaccessible)\n\nAttic Accessible for Observation: Indicates whether the attic is accessible for\nvisual observation.\n•\n•\nVisual Observation Completed: Indicates whether a visual observation of the\nattic, as defined by the applicable organization, was completed.\n•\n•\n\nYes (Visual Observation Completed)\nNo (No Visual Observation Completed)\n\nRemaining Economic Life and Effective Age\n\nRemaining Economic Life and Effective Age display in the Dwelling Exterior section for government agency\nappraisals when there is no Cost Approach section. Reference the appropriate government agency appraisal\nguidelines for more information.\n\nReport\nField ID\n\n8.018\n\nDwelling Exterior: Remaining Economic Life and Effective Age\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nRemaining\nEconomic Life\n\nDisplays for FHA,\nUSDA, and VA\nappraisals when Cost\nApproach Developed\nby Appraiser is No\n\nNumber of years\n\nThe estimated number of years of the structure's remaining economic life.\n\nAppendix F-1: URAR Reference Guide\n\nPage 99 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior: Remaining Economic Life and Effective Age\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.019\n\nEffective Age\n\n8.020\n\nCommentary on\nRemaining\nEconomic Life\n"} diff --git a/chunks/json/88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c.json b/chunks/json/88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c.json new file mode 100644 index 0000000000000000000000000000000000000000..08cc881e894c5155451f49e708c70c7caea4e231 --- /dev/null +++ b/chunks/json/88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":109856,"char_start":107887,"chunk_id":"chk_b2395e94ed688365","chunk_index":57,"chunk_sha256":"88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c","token_estimate":485,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\n\n\n\n\nFicus Bank\n\n\n\n\n\n\n\n\n \n\n\n\n5000.00\n false\n Grant\n PaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n OtherCredits\n\n\n \n\n\n\n\n\nCommunity Lending\n\n\n\n\n\n\n \n \n\n\n\n\n\n\n\nFicusBank\n\n\n\n\n\n\n\n\n \n\n\n \n\n\n\n300.00\n\nUCD v2.0 Implementation Guide\n\n- 43 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 30. XML Snippet - Example of Closing Adjustment Items.\n\nfalse/ClosingAdjustmentItemPaidOutsideOfClosingIndicator>\n RelocationFunds\n PaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n OtherCredits\n"} diff --git a/chunks/json/88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36.json b/chunks/json/88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36.json new file mode 100644 index 0000000000000000000000000000000000000000..446d5250588fd666cbb8eb7c0918baa9ea6b69b0 --- /dev/null +++ b/chunks/json/88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36.json @@ -0,0 +1 @@ +{"chunk":{"char_end":152490,"char_start":150887,"chunk_id":"chk_b77709b08a4e96c4","chunk_index":168,"chunk_sha256":"88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"When not provided, do not display report label.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 96\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nAssignment Information: Contact Information – Appraiser\n\n2.027\n\nExpires\n\n2400.0053\n\nLicenseExpirationDate\n\n2.028\n\nASC Identifier\n\n2400.0048\n\nAppraisalSubCommitteeAppraiserIdentifier\n\n2.029\n\nVA Appraiser ID\n\n2400.0256\n2400.0258\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n\n2.030\n\nFHA Appraiser ID\n\n2400.0256\n\nAgencyAppraiserIdentifierType\n\n2400.0258\n\nAgencyAppraiserIdentifier\n\nRequired when AppraiserLicenseType <> “None”\n\nWhen not provided, do not display report label\n\nDisplay when provided.\n\nWhen not provided, do not display report label.\n\nDisplay when GovernmentAgencyAppraisalType \"VA\"\n\nDisplay when GovernmentAgencyAppraisalType \"FHA\"\n\n2.031\n\nEmployment Type\n\n1000.0006\n\nAppraiserEmploymentType\n\nDisplay when GovernmentAgencyAppraisalType \"VA\"\n\nSupervisory Appraiser\n\nInformation about the Supervisory Appraiser displays based on PartyRoleType (UID: 2200.0085, FID: Not on report) = “AppraiserSupervisor”.\nIf there is no Supervisory Appraiser, the subsection does not display.\n\nNote: To easily find data points in the UAD Specification, search for “Supervisory\n\nAppraiser” under the “Additional Context” column.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 97\n\nAssignment Information: Contact Information – Supervisory Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2200.0085, FID: Not on report) =\n“AppraiserSupervisor” …\n"} diff --git a/chunks/json/890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d.json b/chunks/json/890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d.json new file mode 100644 index 0000000000000000000000000000000000000000..ee4f38237996fe73e127a78250c0680ed5bf2b6c --- /dev/null +++ b/chunks/json/890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1007441,"char_start":1005608,"chunk_id":"chk_d78ad75758cd9a8f","chunk_index":600,"chunk_sha256":"890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d","token_estimate":459,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address elements must be included\nin this field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n· Address unit designator and number (if applicable)\nThis data is referenced more than once on the form (field 1-6, 2-11, 6-19), and must\nbe represented consistently.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· City\nThis data is referenced more than once on the form (field 1-7, 2-12a, 6-20a) and\nmust be represented consistently.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), and\nmust be represented consistently.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) and\nmust be represented consistently.\n"} diff --git a/chunks/json/892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659.json b/chunks/json/892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659.json new file mode 100644 index 0000000000000000000000000000000000000000..bb9c1b5d0d6932c4bb478bf0ae90f4a2118bf9a1 --- /dev/null +++ b/chunks/json/892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659.json @@ -0,0 +1 @@ +{"chunk":{"char_end":578574,"char_start":576967,"chunk_id":"chk_7f681c7393622930","chunk_index":341,"chunk_sha256":"892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"12\n\nEnumerated\n\nAllowable Values PDF Display\nWalkOut wo\nWalkUp wu\nInteriorOnly in\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of\nfield e-18 (GSE Below Grade Total\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\n362\n\n3\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Rec Room\nCount)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms below\ngrade.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeRecreationRoomCount\n\n363\n\n3\n\ne-22\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Bedroom Count)\n\nSALES\nCOMPARISON\nAPPROACH\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below grade.\n\n364\n\n3\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Bathroom Count)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below grade.\n\n365\n\n366\n\n367\n\n368\n\n369\n\n370\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\nRooms Below Grade\n(line 2)\n\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\n(Below Grade Other Room\nCount)\n\nGSE Below Grade\nOther Room Count\n\nThe number of finished rooms other than\nrecreation rooms, bedrooms, and\nbathrooms in the below grade space.\n\n39\n\n40\n\n41\n\n42\n\n43\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nFunctional Utility\n\nHeating/Cooling\n"} diff --git a/chunks/json/89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3.json b/chunks/json/89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3.json new file mode 100644 index 0000000000000000000000000000000000000000..5792de3a583d51fccf516b6482fbf37de069fd9e --- /dev/null +++ b/chunks/json/89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8880,"char_start":7070,"chunk_id":"chk_3ad002bcb409ae26","chunk_index":4,"chunk_sha256":"89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3","token_estimate":451,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.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## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Dashboards\n\n# Dashboards\n\n- ## Conforming Loan Limit Values Map\n\nFannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. The CLL values are set by FHFA on an annual basis and vary geographically, using guidelines specified in the Housing and Economic Recovery Act of 2008 (HERA) and as modified in subsequent legislation. This map shows Fannie Mae and Freddie Mac single-family maximum allowable mortgage origination balances by county.\n"} diff --git a/chunks/json/89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714.json b/chunks/json/89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714.json new file mode 100644 index 0000000000000000000000000000000000000000..5e13ff61298ca3c0e97d82420878f3a56e59a129 --- /dev/null +++ b/chunks/json/89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714.json @@ -0,0 +1 @@ +{"chunk":{"char_end":384332,"char_start":382724,"chunk_id":"chk_063ef13b2a9efc32","chunk_index":214,"chunk_sha256":"89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 118. Borrower’s Satisfaction of Seller’s Lien\n\nID\n\nForm Field Name\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 Satisfaction of Jr. Lien\n($5,000 POC by\nBorrower)\n\n…/CLOSING_ADJUST\nMENT_ITEM_DETAIL\n\nLiabilityDescription\n\nSatisfaction of Jr. Lien\n($5,000 POC by\nBorrower)\n\n12.4 N/A\n\n…/DEAL/LIABILITIES/L\nIABILITY/LIABILITY_DE\nTAIL\n\ngse:IntegratedDisclos\nureSectionType\n\nPaidAlreadyByOrOnB\nehalfOfBorrowerAtCl\nosing\n\nSince this is a string\nfield, the text is\nrepresented on the\nform exactly as\nprovided\n\nNot Shown\n\n12. 5 SELLER CREDI T\n\nIf the borrower receives any of the following items from the property seller, the lump sum amount is disclosed\nas Seller Credit: a non-specific credit for closing costs, a separate purchase allowance, or any other payments\nsuch as to address issues identified at a walk-through of the property. The data points used to provide this\ninformation are shown in Table 119.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00\n\n05 12.4Satisfaction of Junior Lien ($5,000 POC\n\n12.4.1\n\nBorrower)\n\n0612.5 Seller Credit\n\n12.5.1\n\n$2,500.00\n\nFigure 103. Seller Credit\n\nTable 119. Seller Credit\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n12.5.1 Seller Credit ($)\n\n…/CLOSING_ADJUST\nMENT_ITEM_DETAIL\n\nClosingAdjustmentIte\nmAmount\n\n2500.00\n\nROF as “$2,500.00”\n\nNot reflected on\nform unless “true”\n\nClosingAdjustmentIte\nmPaidOutsideOfClosi\nngIndicator\n\nfalse\n\nClosingAdjustmentIte\nmType\n\nSellerCredit\n"} diff --git a/chunks/json/895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48.json b/chunks/json/895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48.json new file mode 100644 index 0000000000000000000000000000000000000000..3a78765b87b33e53b317649e578dbdc1d234f03c --- /dev/null +++ b/chunks/json/895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9973,"char_start":8356,"chunk_id":"chk_e834af94082dd175","chunk_index":5,"chunk_sha256":"895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"The second home information is placed in Section 3 b.\n\n6\n\nIn the XML file, the Gross and Net Rental Income will be placed in the\nOWNED_PROPERTY_DETAIL container. The OwnedPropertySubjectIndicator\n(Unique ID 5.0130) should be set to “true” to show that this is the same property that\nwill be listed under SUBJECT_PROPERTY.\n\nThe number of units will be placed\nSUBJECT_PROPERTY.\n\nin\n\nthe PROPERTY_DETAIL container under\n\nWhen the loan is submitted to DU, the Net Rental Income from the XML will show up in the\nFindings as Subject Positive Cash Flow. The Debt-To-Income (DTI) and Housing Expense ratios\nwill include the Subject Positive Cash Flow in the income amount for the borrower(s) as shown\nbelow:\n\n7\n\n8\n\nScenario 2 – A four-unit primary residence (which is not the subject property) has rental income\nfrom the additional units. The second home owned by the borrower is being refinanced.\n\nThe second home that is being refinanced (and is the subject property) will be placed in section 3a.\nof the redesigned URLA.\n\nThe four-unit primary residence will be placed in section 3b. of the redesigned URLA.\nThe Gross Rental Income will be entered by the borrower and the Net Rental Income\nshould be calculated and entered by the lender. DU will use 75% of the Gross Rental\nIncome to determine the Net Rental Income if the lender does not provide this\ninformation.\n\nIn the XML file, the Gross and Net Rental Income will be placed in the\nOWNED_PROPERTY_DETAIL container. The OwnedPropertySubjectIndicator\n(Unique ID 5.0130) should be set to “false” and the SUBJECT_PROPERTY will not\nneed the FinancedUnitCount populated.\n"} diff --git a/chunks/json/8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051.json b/chunks/json/8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051.json new file mode 100644 index 0000000000000000000000000000000000000000..61ee9282565b87c5e40fe7100f6fc31e470ba356 --- /dev/null +++ b/chunks/json/8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13627,"char_start":11895,"chunk_id":"chk_af2facb17de72edd","chunk_index":7,"chunk_sha256":"8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051","token_estimate":433,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"7\n\n1\n\nsame_year_acq\n\nDate of Mortgage Note\n\n1 = Originated in same calendar year\nas acquired\n2 = Originated prior to calendar year of\nacquisition\n9 = Missing\n\nSF NFB\n\n9\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n8\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\npurpose_sf_nfb\n\nPurpose of Loan\n\n1 = Purchase*\n2 = Refinancing (all types)\n3 = Second mortgage\n4 = Home Improvement/Rehabilitation\n9 = Not applicable/not available\n\nPurpose of loan reported by the Enterprise.\nFHA Title 1 loans (see field #9) are coded as\n“9\". * Purchases include subordinate liens\nand home improvement/rehabilitation loans\nthat are associated with a home purchase.\n\n9\n\n1\n\nfed_guarantee_sf_nfb\n\nFederal Guarantee\n\n*Also includes other federally guaranteed\nloans.\n\n1 = FHA/VA\n2 = Rural Housing Service (RHS) -\nguaranteed rural housing loan*\n3 = Home Equity Conversion Mortgage\n(HECM)\n4 = No Federal Guarantee (i.e.,\nConventional)\n5 = Title 1 – FHA\n\n10\n\n1\n\nseller_type_sf_nfb\n\nType of Seller Institution 1 = Mortgage company\n\n2 = Savings Association Insurance\nFund (SAIF)-insured depository\ninstitution\n3 = Bank Insurance Fund (BIF)-insured\ndepository institution\n4 = Credit union insured by the\nNational Credit Union Administration\n(NCUA)\n5 = Other/unknown\n\nThe type of seller that sold the mortgage to the\nEnterprise; this is not necessarily the\noriginating lender. The SAIF and BIF were\nmerged in 2006 to form the Deposit Insurance\nFund (DIF), see\nhttps://www.fdic.gov/news/financial-\ninstitution-letters/2006/fil06036.html.(cid:3)\nAnalysts may treat values of ‘2’ and ‘3’ equally\nin the post-2006 PUDBs.\n"} diff --git a/chunks/json/8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5.json b/chunks/json/8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5.json new file mode 100644 index 0000000000000000000000000000000000000000..2cebc2ccf873327ae28d317a1b373637effd4229 --- /dev/null +++ b/chunks/json/8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":90376,"char_start":87959,"chunk_id":"chk_53762f68f31a28e2","chunk_index":53,"chunk_sha256":"8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5","token_estimate":605,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-52, 1-53, 1-54\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-52, 1-53, 1-54 (\nvalues of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-52, 1-53, 1-54 (\nvalues of Property Neighborhood Location\nType) should be indicated.\n\nOne and only one of fields 1-55, 1-56, 1-57 (\nvalues of Neighborhood Builtup Range Type)\nshould be indicated.\n\nOne and only one of fields 1-55, 1-56, 1-57 (\nvalues of Neighborhood Builtup Range Type)\nshould be indicated.\n\nOne and only one of fields 1-55, 1-56, 1-57 (\nvalues of Neighborhood Builtup Range Type)\nshould be indicated.\n\nOne and only one of fields 1-58, 1-59, 1-60\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-58, 1-59, 1-60\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-58, 1-59, 1-60\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-61, 1-62, 1-63\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-61, 1-62, 1-63\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-61, 1-62, 1-63\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-64, 1-65, 1-66\n(values of Neighborhood Demand and Supply\nType) must be indicated.\nOne and only one of fields 1-64, 1-65, 1-66\n(values of Neighborhood Demand and Supply\nType) must be indicated.\nOne and only one of fields 1-64, 1-65, 1-66\n(values of Neighborhood Demand and Supply\nType) must be indicated.\nOne and only one of fields 1-67, 1-68, 1-69\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\nOne and only one of fields 1-67, 1-68, 1-69\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\n"} diff --git a/chunks/json/8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46.json b/chunks/json/8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46.json new file mode 100644 index 0000000000000000000000000000000000000000..587972546eb229a48defc45abe3c420fcf10729f --- /dev/null +++ b/chunks/json/8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4376,"char_start":3815,"chunk_id":"chk_7aacc449b6bd9424","chunk_index":6,"chunk_sha256":"8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"XML Content Section ......................................................................................................................... 19\n\nForm Header Section .......................................................................................................................... 19\n\nSection 1: Borrower Information ........................................................................................................ 20\n\nSection 2: Financial Information – Assets and Liabilities .................................................................. 24\n"} diff --git a/chunks/json/897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf.json b/chunks/json/897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf.json new file mode 100644 index 0000000000000000000000000000000000000000..d382c6dd4b8584d3ff6f7ac47b80e92503ae65ed --- /dev/null +++ b/chunks/json/897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":113235,"char_start":111531,"chunk_id":"chk_40f02f9af1c2f9e4","chunk_index":144,"chunk_sha256":"897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf","token_estimate":426,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• Site\n• Dwelling Exterior\n• Unit Interior\n• Outbuilding\n• Vehicle Storage\n• Amenities\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 57\n\nAdditional considerations:\n\n• Each defect is included once in the XML and displays in the section where identified\n\no Defects may redisplay in the Reconciliation and/or Summary sections\n\n•\n\nImage data associated with each defect must be included in the IMAGE container located in the instance of the DEFECT container\nthat is representing the defect. One to many images can be provided for a defect by repeating the IMAGE container in the same\ninstance of the DEFECT container.\n\nSite\n\n• Each defect associated with the site must use DefectComponentLabelType = “Other” and DefectItemLocationType = “Other”.\n• Each of these DEFECT containers must be linked with an arcrole to the SITE container.\n\nDwelling Exterior\n\nDefects pertaining to the dwelling exterior, mechanical systems, or noncontinuous finished area are linked to the structure where the\ndefect is identified.\n\nA DefectComponentLabelType is used for reporting defects associated with the dwelling. Each of these DEFECT containers must be linked\nwith an arcrole to the instance of the IMPROVEMENT container (ImprovementType = “Dwelling”) where the defect is identified.\n\n• Exterior Walls and Trim\n• Foundation\n• Mechanical System\n• Roof\n• Windows\n• Other (Describe)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDefectComponentLabelType = “Other” and DefectComponentLabelTypeOtherDescription must be used to report defects that are\npertaining to other components of the dwelling and these DEFECT containers must also be linked with an arcrole to the appropriate\ninstance of the IMPROVEMENT container.\n"} diff --git a/chunks/json/89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775.json b/chunks/json/89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775.json new file mode 100644 index 0000000000000000000000000000000000000000..c8cb532b038860803268a7cc484abab8a9fa7b7c --- /dev/null +++ b/chunks/json/89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775.json @@ -0,0 +1 @@ +{"chunk":{"char_end":278027,"char_start":275924,"chunk_id":"chk_7e6c1c75342f4590","chunk_index":154,"chunk_sha256":"89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775","token_estimate":526,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The ROV process must include a review and resolution procedure for the ROV request, and steps for the borrower(s) to appeal an\nappraisal when it is believed the opinion of value\n\nis unsupported,\n\n•\n• may be deficient due to unacceptable appraisal practices, or\n•\n\nreflects prohibited discriminatory practices.\n\nRegardless of the outcome of the ROV, the lender is responsible for ensuring the appraisal report and opinion of market value are\nreliable and adequately supported.\n\nThe lender must provide a disclosure to the borrower outlining the ROV process when the appraisal report is provided to the\nborrower. The disclosure must make it clear that only one borrower-initiated ROV is permitted per appraisal. The following table\ndescribes the information required to initiate the ROV process.\n\n✓\n\nThe borrower-initiated ROV must include…\n\n• Borrower(s) name,\n• Property address,\n•\n• Appraiser name, and\n• Date of the ROV request.\n\nEffective date of the appraisal,\n\nIdentification and description of unsupported, inaccurate, or deficient areas in the appraisal report.\nAdditional data, information, or comparable properties (not to exceed five), and the related data sources (for\nexample, the MLS listing number).\nAn explanation of why the new data supports the ROV.\n\nIn addition to the borrower ROV submission requirements, the lender's ROV policies and procedures must include instructions on\nrequired information for a borrower-submitted ROV and standardized communication to the appraiser. The following table\ndescribes additional lender requirements.\n\n✓\n\nThe lender must…\ncomplete its appraisal review before initiating the ROV process.\ndesignate an underwriter or other appraisal subject matter expert to review the ROV request.\nvalidate the request from the borrower contains sufficient details prior to sending to the appraiser.\nobtain the necessary information from the borrower if the ROV request is unclear or needs more information.\nalign its ROV policies and procedures with Appraiser Independence Requirements (AIR).\nstandardize communication to the appraiser, that contains the following:\n"} diff --git a/chunks/json/8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c.json b/chunks/json/8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c.json new file mode 100644 index 0000000000000000000000000000000000000000..9fb2220f29e964ed294bb37c0c40434f7a3d7b9b --- /dev/null +++ b/chunks/json/8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3339,"char_start":1631,"chunk_id":"chk_ef5fe4fc43538f72","chunk_index":1,"chunk_sha256":"8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c","token_estimate":427,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"[ADDRESS]\n\nSUMMARY\n\nOpinion of Market Value\n\n(Cooperative Interest)\n\nMarket Value Condition\n\nFinal Value Condition Statement\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nContract Price\nListing Status\n\nProperty Description\n\nConstruction Method\nAttachment Type\nStructure Design\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nProperty Restriction\nEncroachment\nZoning Compliance\nHUD Data Plate Attached\nHUD Label Present for All Sections\n\nProperty Valuation Method\nAppraiser Name\n\nOverall Quality\nOverall Condition\n\nYes No\n \n \n \n \n \n \n\nYes No\n \n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nEstimated Cost\nto Repair\n\nFeature\nSite\n\nLocation\n\nDescription\n\nDwelling Exterior - [Structure Identifier]\n\nUnit Interior - [Structure Identifier] - [Unit Identifier]\n\nOutbuilding - [Outbuilding Type]\n\nUnit Interior - [Outbuilding Type] - [Unit Identifier]\n\nVehicle Storage\n\nSubject Property Amenities\n\nAs Is Overall Condition Rating\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n"} diff --git a/chunks/json/89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305.json b/chunks/json/89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305.json new file mode 100644 index 0000000000000000000000000000000000000000..474905f5d964b02e0ecc1ef5c6cb5e85d29e8bc2 --- /dev/null +++ b/chunks/json/89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8495,"char_start":6775,"chunk_id":"chk_35021894e925d900","chunk_index":4,"chunk_sha256":"89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305","token_estimate":430,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2021.pdf"]},"text":"PrepayP\n\nPrepayment Penalty Expiration Date\n\nemployed. 0=No, 1=Yes\nPT01=Single family detached; PT02=Deminimus PUD;\nPT03=Single family attached; PT04=Two family;\nPT05=Townhouse; PT06=Low-rise condo; PT07=PUD;\nPT08=Duplex; PT09=Three family; PT10=Four family;\nPT11=Hi-res condo; PT12=Manufactured home not\nchattel; PT13=Manufactured home chattel; PT14=Five\nplus multifamily\n\n01=11th District cost of funds; 02=Other cost of funds;\n03=LIBOR; 04=1 year constant Treasury Rate; 99=Not\nan ARM\nMargin added to the index used for the calculation of\nthe interest on an ARM. 9999=Not Applicable\n\nDate when prepayment penalty ends; report 9999-12-\n31 if not applicable\n\n45\n\nBorrower1EthnicityType\n\nBoEth\n\nBorrower1 Ethnicity Type\n\n46\n\nBorrower1Race2Type\n\nRace2\n\nBorrower1 Race2 Type\n\n47\n\nBorrower1Race3Type\n\nRace3\n\nBorrower1 Race3 Type\n\n48\n\nBorrower1Race4Type\n\nRace4\n\nBorrower1 Race4 Type\n\n49\n\nBorrower1Race5Type\n\nRace5\n\nBorrower1 Race5 Type\n\n50\n\nBorrower2EthnicityType\n\nCoEth\n\nBorrower2 Ethnicity Type\n\n51\n\nBorrower2Race2Type\n\nCoRace2\n\nBorrower2 Race2 Type\n\n52\n\nBorrower2Race3Type\n\nCoRace3\n\nBorrower2 Race3 Type\n\n53\n\nBorrower2Race4Type\n\nCoRace4\n\nBorrower2 Race4 Type\n\n54\n\nBorrower2Race5Type\n\nCoRace5\n\nBorrower2 Race5 Type\n\n55 HOEPALoanStatusType\n\nHOEPA\n\nHOEPA Loan Status Type\n\n56\n\nLienPriorityType\n\nLienStatus\n\nLien Priority Type\n\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n"} diff --git a/chunks/json/89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00.json b/chunks/json/89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00.json new file mode 100644 index 0000000000000000000000000000000000000000..7a0ba469b9a0e687c553177e52cf0fe93bf2da1a --- /dev/null +++ b/chunks/json/89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20978,"char_start":19700,"chunk_id":"chk_af8075dd0b4ea6c6","chunk_index":11,"chunk_sha256":"89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"N/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nR\n\nT\n\nR\n\nR\n\nR\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nPage 9 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nFoundation Feature Exists Indicator**\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\n.PROPERTY\n..STRUCTURE\n...BASEMENT\nSquare Feet Count\n\nBasement Finished Percent**\n\nBasement Finished Indicator**\n\n.PROPERTY\n..STRUCTURE\n...BASEMENT\n.…BASEMENT_FEATURE\nBasement Feature Type**\n\nBasement Feature Exists Indicator**\n\n.PROPERTY\n..STRUCTURE\n...INTERIOR_FEATURE\nInterior Feature Type**\n\nInterior Feature Condition Description**\n\n.PROPERTY\n..STRUCTURE\n...HEATING\nHeating Type**\n\nHeating Type Other Description**\n\nHeating Fuel Description**\n\nHeating Unit Description**\n\n.PROPERTY\n..STRUCTURE\n...COOLING\nCooling Centralized Indicator**\n\nCooling Individual Indicator**\n\nCooling Other Indicator**\n\nCooling Unit Description**\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n"} diff --git a/chunks/json/89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb.json b/chunks/json/89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb.json new file mode 100644 index 0000000000000000000000000000000000000000..3f0ec022283ac7aa038fecf7666095d4e4d4d758 --- /dev/null +++ b/chunks/json/89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39656,"char_start":37916,"chunk_id":"chk_b9d2f6b0823e2370","chunk_index":23,"chunk_sha256":"89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb","token_estimate":435,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1075/466\n\nView\nThe appraiser must provide one of the ratings\nfrom the list below to describe the overall\neffect on value and marketability of the view\nfactors associated with the subject property\n\nABBREVIAT\nED ENTRY\n\nN\n\nB\n\nA\n\nOVERALL\nVIEW\nRATING\n\nNeutral\n\nBeneficial\n\nAdverse\n\nThe appraiser must also provide at least one,\nbut not more than two, view factor(s) from the\nlist below to provide details about the overall\nview rating selected above.\n\nWtr\n\nPstrl\nWoods\n\nPrk\n\nGlfvw\nCtySky\n\nMtn\n\nRes\nCtyStr\n\nInd\n\nPwrLn\nLtdSght\n\nSee\nInstructions\nBelow\n\nWater View\n\nPastoral View\nWoods View\n\nPark View\n\nGolf Course\nView\nCity Street\nView\n\nMountain\nView\n\nResidential\nView\nCity Street\nView\n\nIndustrial\nView\n\nPower Lines\nLimited Sight\n\nOther –\nAppraiser to\nenter a\ndescription of\nthe view *\n\n*Other: If a view factor not on this list\nmaterially affects the value of the subject\nproperty, the appraiser must enter a\ndescription of the view associated with the\nproperty (see second example below). The\ndescription entered must allow a reader of the\n\nPage 21 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nappraisal report to understand what the view\nassociated with the property actually is.\nDescriptors such as ‘None’, ‘N/A’, ‘Typical’,\n‘Average’, etc., are unacceptable.\nDescriptions should be entered carefully\nbecause the same text will be represented in\nboth the Site section and the comparable\nsales grid for the subject property. The text\nmust fit in the allowable space.\n"} diff --git a/chunks/json/89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd.json b/chunks/json/89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd.json new file mode 100644 index 0000000000000000000000000000000000000000..e20569ece5aa4c898d229277725e755761a8f673 --- /dev/null +++ b/chunks/json/89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32366,"char_start":30750,"chunk_id":"chk_9e7685609ff4cf0a","chunk_index":15,"chunk_sha256":"89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"1. Single-Family Data Field 63: Portfolio\nFlag\n\nNew data field 63, released in\n\nNational File C, designates the following\nvalues:\n\n1 = Not held on portfolio: Indicates\n\nthe security backed by the high-cost\nloan was sold in its entirety by the\nEnterprise during the calendar year and\nnot repurchased as of year-end.\n\n2 = Retained on portfolio: Indicates\n\nthe security backed by the high-cost\nloan was sold in its entirety by the\nEnterprise during the calendar year, but\nthat all or a portion of the security\ncollateralized by such high-cost loan\nwas repurchased by the Enterprise\nduring such calendar year and held at\nyear-end.\n\nThese two data field values are\n\nintended to categorize the universe of\nloans with a HMDA rate spread that are\npurchased and securitized by the\nEnterprises.\n\n2. Single-Family Data Field 64: Percent\nRepurchased\n\nTo accurately reflect the economic\nvalue of the high-cost securitized loans\nretained on portfolio, new data field 64,\nreleased in National File C, identifies\nthe percentage of the outstanding\nbalance of the security collateralized by\nthe high-cost loan that the Enterprise\nrepurchased during the calendar year\nand held at year-end. Where the\nEnterprise did not repurchase any\nportion of the security (portfolio flag =\n1), the value will be 0. Where the\nEnterprise repurchased all of the\nsecurity (portfolio flag = 2), the value\nwill be 1. Where the Enterprise\nrepurchased a portion of the security\ncollateralized by the high-cost loan\n(portfolio flag = 2), the value will be the\npercentage of the security repurchased\nby the Enterprise represented as a\ndecimal between 0 and 1.\n"} diff --git a/chunks/json/89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584.json b/chunks/json/89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584.json new file mode 100644 index 0000000000000000000000000000000000000000..9330469e2ed79ba8b60e5369b75a6955c7e30e61 --- /dev/null +++ b/chunks/json/89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26363,"char_start":24746,"chunk_id":"chk_717c9b46fd075adb","chunk_index":15,"chunk_sha256":"89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Elevator | Indoor Fireplace - 1\n\nElevator | Indoor\nFireplace - 1\n\nDeck | Deck\n\nIndoor\nFireplace - 1\n\nDeck | Deck\n\n$5,000\n\nElevator | Indoor\nFireplace - 3\n\n$(4,000)\n\nProperty Address\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Detail\n\nGarage | 2 | Built-in 648 Sq. Ft.\n\nGarage | 2 | Built-in\n\nGarage | 2 | Built-in\n\nGarage | 2 | Built-in\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n$875,000\n\n$866,000\n\n$875,000\n\n—\n\n$870,000\n\n$0\n\n$266\n\n$870,000\n\nMost\n\n$799,900\n\n—\n\n$780,000\n\n$122,100\n\n$392\n\n$902,100\n\nMost\n\n$840,000\n\n—\n\n$835,000\n\n$17,000\n\n$243\n\n$852,000\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$880,000\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 22\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n2134 Nothing Hill Pl\nAnywhere, MD 20854\n\n7890 Some Pl\nAnywhere, MD 20854\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 4 photo\nwould display.\n\nThis is where the\nComparable 5 photo\nwould display.\n\nMLS XXXXX | Assessor Record MLS XXXXX | Assessor Record\n"} diff --git a/chunks/json/89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605.json b/chunks/json/89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605.json new file mode 100644 index 0000000000000000000000000000000000000000..7ca115b0d72cbcc8d7502351461c2b6dd2b30af0 --- /dev/null +++ b/chunks/json/89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605.json @@ -0,0 +1 @@ +{"chunk":{"char_end":427308,"char_start":425629,"chunk_id":"chk_150faa297248d52d","chunk_index":250,"chunk_sha256":"89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n111\n\n1\n\n105\n\nPROJECT SITE\n\nUtilities\nGas\nPublic\n\nUtilities\nGas\nOther\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/\n@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/\n@_NonPublicIndicator\n\n1\n\n1\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nIf no gas service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nIf no gas service is present, enter 'None' in the description field.\n\n106\n\nPROJECT SITE\n\n107\n\nPROJECT SITE\n\nUtilities\nGas\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/\n@_NonPublicDescription\n"} diff --git a/chunks/json/89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292.json b/chunks/json/89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292.json new file mode 100644 index 0000000000000000000000000000000000000000..761631648526b2b9d039702238fdb7e7597a1bf1 --- /dev/null +++ b/chunks/json/89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292.json @@ -0,0 +1 @@ +{"chunk":{"char_end":392809,"char_start":391194,"chunk_id":"chk_ad5929d296101193","chunk_index":226,"chunk_sha256":"89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 9 of 21\nPage 9 of 21\n\nUnit Interior (continued)\n\nLevel 1 - Kitchen\n\nLevel 2 - Bath - Full - Bath 1\n\nThis is where the Kitchen photo would display.\n\nThis is where the Full Bath photo would display.\n\nLevel 2 - Bath - Full - Bath 2\n\nApparent Defects, Damages, Deficiencies -\nFlooring - Damaged Flooring\n\nThis is where the Full Bath photo would display.\n\nThis is where the Damaged Flooring photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n2\n\n2\n\nDetail\nAsphalt\n\nBuilt-in\n460 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nDriveway - Garage\n\nThis is where the Driveway - Garage photo would display.\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 10 of 21\nPage 10 of 21\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Accessories\n\nOutdoor Living\n\nWhole Home\n\nMiscellaneous\n\nSubject Property Amenity\nFence\n\nDeck\n\nPorch\n\nIndoor Fireplace\n\nMedia Room\n\nWet Bar\n\nMaterial\n\nWood\n\nConcrete\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nMedia Room\n\nDetail\n\n400 Sq. Ft.\n\n351 Sq. Ft.\n\nTotal Number - 1\n\nThis is where the Media Room photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n"} diff --git a/chunks/json/89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637.json b/chunks/json/89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637.json new file mode 100644 index 0000000000000000000000000000000000000000..3a443aafd07f05c71d4095619b178f7aa78ff017 --- /dev/null +++ b/chunks/json/89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20836,"char_start":17637,"chunk_id":"chk_4940070c71e22479","chunk_index":10,"chunk_sha256":"89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637","token_estimate":987,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/13711\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e.json b/chunks/json/89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e.json new file mode 100644 index 0000000000000000000000000000000000000000..fdb461b171f7f6871b1d3e09b9d2ef875446e79e --- /dev/null +++ b/chunks/json/89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29790,"char_start":29771,"chunk_id":"chk_6a6a67024d009505","chunk_index":8,"chunk_sha256":"89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1d287c681abb2186","text_sha256":"89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e","token_estimate":5,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Integrated_Vendor_List___Fannie_Mae_mb141.md","below_target_min_tokens"]},"text":"© 2026 Fannie Mae\n"} diff --git a/chunks/json/8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a.json b/chunks/json/8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a.json new file mode 100644 index 0000000000000000000000000000000000000000..cd0919194f75a49ee99476a4bef920696fa14391 --- /dev/null +++ b/chunks/json/8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":645617,"char_start":644082,"chunk_id":"chk_08b09bf8bd7f319c","chunk_index":381,"chunk_sha256":"8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a","token_estimate":508,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\nT\n\nT\n\nT\n\nMoney\n\nString\n\nMoney\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D - Sales Comparison Approach Section\nThis is a free text field which must describe any energy efficient items.\n\nIf none, the appraiser must indicate 'None'.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-101 and fields\n(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-\n72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84,\n3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-\n99, 3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nThe sum of this field 3-103 and fields\n(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-\n72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84,\n3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-\n99, 3-101, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nThe sum of this field 3-105 and fields\n(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-\n72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84,\n3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-\n99, 3-101, 3-103, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n"} diff --git a/chunks/json/8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16.json b/chunks/json/8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16.json new file mode 100644 index 0000000000000000000000000000000000000000..0d70daaaec10ae6edc55baac683d449ad1ac1f5f --- /dev/null +++ b/chunks/json/8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7961,"char_start":7144,"chunk_id":"chk_19ec48ccf52fec3f","chunk_index":7,"chunk_sha256":"8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16","token_estimate":453,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:21)(cid:17)(cid:19)(cid:24)(cid:28)\n\n(cid:21)(cid:17)(cid:19)(cid:25)(cid:19)\n\nAssignment Information and Scope of Work Commentary\n\n(cid:21)(cid:17)(cid:19)(cid:25)(cid:20)\nAssignment Information Exhibits\n\n(cid:21)(cid:17)(cid:19)(cid:25)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:17)(cid:19)(cid:25)(cid:21)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n"} diff --git a/chunks/json/8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed.json b/chunks/json/8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed.json new file mode 100644 index 0000000000000000000000000000000000000000..f82ad7baba7e9041f10596c4aa726084088c3876 --- /dev/null +++ b/chunks/json/8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":318143,"char_start":316541,"chunk_id":"chk_b05dc7e536753894","chunk_index":182,"chunk_sha256":"8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"DU®\n\nFAQ\n\nDesktop Underwriter® (Fannie Mae’s AUS)\n\nFrequently Asked Questions (each GSE’s UCD web page provides an FAQ section)\n\nETI&A\n\nEstimated Taxes, Insurance and Assessments\n\nFGH\n\nFederal Government Housing Agency Servicing Data (a MISMO workgroup focused on identifying the core\nReference Model data to support servicing loans for each of the Federal Government Housing Agencies)\n\nFHA\n\nFederal Housing Administration (a government housing agency)\n\nFHFA\n\nFederal Housing Finance Agency (issued directive creating UMDP)\n\nForm Field ID\n\nThe red number superimposed on the Closing Disclosure. Created by the UCD team to facilitate the mapping\nfrom the Closing Disclosure to MISMO v3.3.0.\n\nForm Field Name\n\nA Closing Disclosure form label, identifying the data that should be provided.\n\nUCD v2.0 Implementation Guide\n\n- 148 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix A. Glossary and List of Acronyms\n\nAcronym or Term Description\n\nTable 70. Glossary and List of Acronyms.\n\nGray Bar Labels /\nTotals\n\nHeadings on the CD that are shaded in gray. UCD v2.0 supports Model form “gray bars” A – L and Alternate\nform gray bars A – K.\n\nGSEs\n\nGovernment Sponsored Enterprises (Freddie Mac and Fannie Mae)\n\nHOEPA\n\nHome Ownership and Equity Protection Act\n\nI-Guide\n\nUniform Closing Dataset Specification Version 2.0 Implementation Guide\n\nInstance\n\nOccurrence in the XML file. Used when speaking of one or more “instances” of a container, data point or\nattribute.\n\nLPA®\n\nLoan Product Advisor® (Freddie Mac’s AUS)\n\nMBA\n\nMortgage Bankers Association (trade association for mortgage bankers and owner of MISMO)\n"} diff --git a/chunks/json/8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411.json b/chunks/json/8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411.json new file mode 100644 index 0000000000000000000000000000000000000000..c2cd001ed91cceb338b3f60dcc3f0a21e2fdcd33 --- /dev/null +++ b/chunks/json/8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411.json @@ -0,0 +1 @@ +{"chunk":{"char_end":663089,"char_start":661488,"chunk_id":"chk_50a1b95fab14aad9","chunk_index":392,"chunk_sha256":"8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 122 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n492\n\n493\n\n494\n\n495\n\n496\n\n497\n\n498\n\n499\n\n500\n\n501\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n5\n\n6\n\n7\n\n8a\n\n8b\n\n8c\n\n9\n\n10\n\n11\n\n4a\n\nHEADER\n\nBLANK\n\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nName\nAppraiser\nCompany Name\n\nAppraiser\nAdditional File\nIdentifier\n\nAppraiser Name\n\nAppraiser\nCompany Name\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\nThe name of the party that performed the\nappraisal of the property.\nThe name of the appraisal company that\nperformed the appraisal of the property.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_Name\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_CompanyName\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n\nAppraiser Street\nAddress\n\nThe street address of the appraiser.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_StreetAddress\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAppraiser City\n\nThe city in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_City\n"} diff --git a/chunks/json/8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253.json b/chunks/json/8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253.json new file mode 100644 index 0000000000000000000000000000000000000000..a9571e0e465040a6c8566d77ef2d318ee9294420 --- /dev/null +++ b/chunks/json/8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253.json @@ -0,0 +1 @@ +{"chunk":{"char_end":418485,"char_start":416792,"chunk_id":"chk_f4702ba6a09cc5b7","chunk_index":233,"chunk_sha256":"8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"As described in the table below, re-underwriting tolerances may be applied if the interest rate or loan amount was modified. (All\nother modifications require re-underwriting.)\n\nModified Loan Term\n\nRe-underwriting Tolerances\n\nInterest Rate\n\nLoan Amount\n\n•\n\n•\n\nFor loans underwritten through DU: see the tolerances and resubmission\nrequirements in Selling Guide B3-2-10, Accuracy of DU Data, DU Tolerances,\nand Errors in the Credit Report.\nFor manually underwritten loans: if the recalculated DTI (based on the change\nin rate or loan amount) does not exceed 45%, the loan must be re-\nunderwritten with the updated information to determine if the loan is still\neligible for delivery.\n\nNote: If the increase in the DTI ratio moves the DTI ratio above the 36% threshold, the\nloan must meet the credit score and reserve requirements in the Eligibility Matrix that\napply to DTI ratios greater than 36% up to 45%.\n\nAge of Credit Documents\n\nAll credit documents must be no more than four months old on the note date (that is, the closing date of the construction loan).\nAdditionally, income, employment, and credit report documents must be no more than four months old at the time of conversion\nto permanent financing. As an exception, these documents may be more than four months but not exceeding 18 months old at\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 170 of 166\n\nUAD 3.6 Policy\n\nthe time of the conversion to permanent financing if the following conditions were met at the time of the original closing of the\nconstruction loan:\n\n•\n•\n•\n\nThe LTV, CLTV, and HCLTV ratios do not exceed 95%.\n\nThe loan casefile was underwritten through DU and received an Approve/Eligible recommendation.\n"} diff --git a/chunks/json/8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845.json b/chunks/json/8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845.json new file mode 100644 index 0000000000000000000000000000000000000000..2ea1f1fc60dcce95c5128f8ef48ed201eebb0de9 --- /dev/null +++ b/chunks/json/8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1640,"char_start":0,"chunk_id":"chk_9cb7775eb6268b19","chunk_index":0,"chunk_sha256":"8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c20c5dcd6adb62af","text_sha256":"8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Housing_Finance_Agency___OIG_plw6tp.md"]},"text":"---\nsource_url: \"https://www.fhfaoig.gov/\"\ndate_accessed: \"2026-01-27T17:47:50.541Z\"\n---\n\n[Skip to main content](#main-content) Hotline: Report Fraud, Waste & Abuse 1-800-793-7724\n\nText Size: [- A](javascript:;) [+ A](javascript:;)\n\nCurrent Size: 100%\n\nSearch\n\n[![image](/core/misc/feed.svg)](/rss.xml)\n\n[![image](/themes/custom/fhfa/logo.jpg)](/)\n\n- About - [What We Do](/what-we-do)\n - [Headquarters and Locations](/fhfa-oig-headquarters-and-locations)\n - [Organization Chart](/about/Organization)\n - [Frequently Asked Questions](/frequently-asked-questions)\n - [OIG Offices](/OIGOffices)\n - [Hotline](/ReportFraud)\n - [Careers](/Career)\n\n## Sidebar Menu\n\n- Reports - [All OIG Reports](/all-oig-reports)\n - [Audits and Evaluations](/Reports/Audits%20and%20Evaluations)\n - [Compliance Reviews and Inspections](/Reports/Compliance_Reviews)\n - [Management Alerts and Management Advisories](/Reports/ManagementAlerts)\n - [Risk Assessments](/Reports/RiskAssessments)\n - [White Papers](/Reports/WhitePapers)\n - [Status and Special Reports](/reports/statusreports)\n - [Administrative Inquiries](/Reports/Administrative_Inquiries)\n - [Other Action Items](/Reports/AdditionalActionItems)\n - OIG Publications - [Management and Performance Challenges](/Reports/ManagementPerformanceChallenges)\n - [Annual Plan](/Reports/AuditAndEvaluationPlan)\n - [Strategic Plan](/Reports/StrategicPlan)\n - [Semiannual Report to Congress](/Reports/Semiannual)\n - [Compendium of Recommendations](/Reports/Compendium_of_Recommendations)\n - [Press Releases](/PressRelease)\n - [Testimony](/Reports/Testimony)\n - [Current Peer Review Reports](/Reports/PeerReview)\n"} diff --git a/chunks/json/8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325.json b/chunks/json/8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325.json new file mode 100644 index 0000000000000000000000000000000000000000..45e794a884470638233d6cd3606994e5b7587411 --- /dev/null +++ b/chunks/json/8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41430,"char_start":39658,"chunk_id":"chk_6c9dd686ca55f5ec","chunk_index":24,"chunk_sha256":"8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325","token_estimate":443,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Any additional information may be reported\nelsewhere in the appraisal report.\n\nNote, the UAD does not limit the number of\ndifferent view factors associated with a\nproperty that may be reported in the appraisal\nreport. If there are more than two view factors,\nan appraiser may choose “other” and then\nenter a text description of the multiple view\nfactors to the extent that the description fits\nwithin the allowable space on the appraisal\nreport form. Any additional information that\ndoes not fit in the allowable space may be\nreported elsewhere in the appraisal report.\n\nReporting Format:\nView Rating – Appraiser must select one\nvalue from the specified list\nView Factors – Appraiser must select one or\ntwo factors from the specified list Description\nof ‘Other’(if applicable) – Text\nThe PDF creator will automatically insert a\nsemicolon to separate the data values.\n\nExamples:\nB;Mtn;Wtr\nA;RRtracks [example of appraiser-entered\n‘Other’ description]\n\nRefer to the complete list of acceptable\nabbreviations provided at the end of this\ndocument in Exhibit 3: Requirements –\nAbbreviations Used in Data Standardization\nText.\n\nPage 22 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nUtilities\n\n• 1004/70\n\nREQUIREMENT\n\nThe appraiser must indicate for each utility\nwhether it is ‘Public’ and/or ‘Other’. Utilities\ninclude electricity, gas, water, and sanitary\nsewer. The appraiser must also enter a\ndescription if ‘Other’ is indicated. If the utility is\nnot present, enter ‘None’ in the description\nfield.\n"} diff --git a/chunks/json/8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572.json b/chunks/json/8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572.json new file mode 100644 index 0000000000000000000000000000000000000000..6c31667754bb0cd83b84b8be21ea320bac837c0f --- /dev/null +++ b/chunks/json/8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572.json @@ -0,0 +1 @@ +{"chunk":{"char_end":77804,"char_start":76185,"chunk_id":"chk_cb9cfe399ca3df90","chunk_index":45,"chunk_sha256":"8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Area Data Source\n\nLevel and Room Detail\n\n1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n1\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n\nFinish\nFinished\n\nArea\n1,190 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nNot Updated\n\nNot Updated\n\nTime Frame\n\nQuality Comment\n\nCondition Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 8 of 26\n\nUnit Interior - Building 1 - Unit B (continued)\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit B)\n\nNone\n\nUnit Interior Exhibits\n"} diff --git a/chunks/json/8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c.json b/chunks/json/8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c.json new file mode 100644 index 0000000000000000000000000000000000000000..ec294ecd4c9def11b3703d4330a946ddec993d3f --- /dev/null +++ b/chunks/json/8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":71338,"char_start":69738,"chunk_id":"chk_a6189c88732dffbf","chunk_index":42,"chunk_sha256":"8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@Appra\nisalPurposeTypeOtherDescription\n\n/VALUATION_RESPONSE/PARTIES/LENDE\nR/@_UnparsedName\n\n/VALUATION_RESPONSE/PARTIES/LENDE\nR/@AppraisalFormsUnparsedAddress\n\n4000\n\nString\n\n48\n\n90\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\nUAD Requirement - Refer to Appendix D Subject Section\nThis field contains the name of the lender.\nThis data is referenced more than once on the form (field 6-24) and must be\nrepresented consistently to the extent the available space permits. The printed\nversion of this field must appear completely in this location on the form, but\nmay be truncated in the other locations.\n\nOne and only one of fields 1-32, 1-33, 1-34\n(Values of Appraisal Purpose Type) must be\nindicated.\nOne and only one of fields 1-32, 1-33, 1-34\n(Values of Appraisal Purpose Type) must be\nindicated.\nOne and only one of fields 1-32, 1-33, 1-34\n(Values of Appraisal Purpose Type) must be\nindicated.\n\nThis field is required if field 1-34 (Appraisal\nPurpose Type = 'Other') is indicated.\n\nT\n\nR\n\nR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nT\n\nR\n\nR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 32 of 211\n\nDocument Version 1.4\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n"} diff --git a/chunks/json/8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179.json b/chunks/json/8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179.json new file mode 100644 index 0000000000000000000000000000000000000000..da7d1c3cea6821a997910293cd71d128a25ebdca --- /dev/null +++ b/chunks/json/8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50790,"char_start":49134,"chunk_id":"chk_a179bb0343ee7606","chunk_index":30,"chunk_sha256":"8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Individual who\ncompleted the property\ndata report (PDR) based\non one of the data\ncollection methods\n\nDate when\nworkforce viewed\nthe subject property\nvia one of the data\ncollection methods\n\nBelow are the enumerated concatenated values\nentered into the AppraisalReportContentName data\nelement and associated with the scenarios\npresented.\n\nImportant Notes:\n1. The enumerated data values are case\nsensitive.\n\n2. The Date format must be \"YYYY-MM-DD\".\n\nHybrid\n\nPhysical\n\nAppraiser\n\nHybrid;Physical;Appraiser;YYYY-MM-DD\n\n(Desktop appraisal\nleveraging PDR)\n\n(e.g. physical visit to\nthe interior and\nexterior of subject\nproperty)\n\nAppraiserTrainee\n\nHybrid;Physical;AppraiserTrainee;YYYY-MM-DD\n\n1004 Hybrid/70H\n\nRealEstateAgent\n\nHybrid;Physical;RealEstateAgent;YYYY-MM-DD\n\nYYYY-MM-DD\n\nHomeInspector\n\nHybrid;Physical;HomeInspector;YYYY-MM-DD\n\nInsInspector (e.g.\n*Insurance Inspector)\n\nHybrid;Physical;InsInspector;YYYY-MM-DD\n\nOther\n\nHybrid;Physical;Other;YYYY-MM-DD\n\nVirtual\n\nAppraiser\n\nHybrid;Virtual;Appraiser;YYYY-MM-DD\n\n(e.g. using technology\nsuch as Skype,\nFaceTime or other\nsimilar video capability\nthat allows workforce\nto view the interior\nand exterior of the\nsubject property from\na remote location)\n\nAppraiserTrainee\n\nHybrid;Virtual;AppraiserTrainee;YYYY-MM-DD\n\nYYYY-MM-DD\n\nRealEstateAgent\n\nHybrid;Virtual;RealEstateAgent;YYYY-MM-DD\n\nHomeInspector\n\nHybrid;Virtual;HomeInspector;YYYY-MM-DD\n\nInsInspector (e.g.\n*Insurance Inspector)\n\nHybrid;Virtual;InsInspector;YYYY-MM-DD\n\nOther\n\nHybrid;Virtual;Other;YYYY-MM-DD\n\nDesktopAppraisal\n\n1004 Desktop/70D\n\nPriorHybrid\n\nOther\n\nNull\n\nNull\n\nYYYY-MM-DD\nfrom PDR used in\nprior hybrid\n(inspection date =\ndate of PDR)\nNull\n"} diff --git a/chunks/json/8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58.json b/chunks/json/8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58.json new file mode 100644 index 0000000000000000000000000000000000000000..0062860a5bb9b9dc4ec404df0d040efbb77bd482 --- /dev/null +++ b/chunks/json/8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3503,"char_start":1725,"chunk_id":"chk_9eee43266fb1c50d","chunk_index":1,"chunk_sha256":"8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58","date_utc":"2026-01-27T18:10:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b0bb634c8cbfe634","text_sha256":"8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58","token_estimate":445,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123115.pdf"]},"text":"Number of Borrowers\nFirst Time Home Buyer\n1=yes;\n2=no\nCode indicating whether the mortgage is on a project funded under an AHP, CIP or other\nCICA program.\n1=AHP;\n2=CIP;\n3=Other CICA\n9=Not Applicable; Not Purchased under AHP, CIP, or CICA\n\nPage 1 of 5\n\nColumn\n30 BoRace\n\n31 CoRace\n\n32 BoSex\n\n33 CoSex\n\n34 BoAge\n\n35 CoAge\n\n36 Occup\n\n37 NumUnits\n38 Bed1\n\n39 Bed2\n\n40 Bed3\n\n41 Bed4\n\n42 Aff1\n\n43 Aff2\n\n44 Aff3\n\n45 Aff4\n\n46 Rent1\n\n47 Rent2\n\nAMA_PUDB_definitions_123115.xlsx\n\nDefinition\nBorrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application\n\nCo-borrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application;\n8=No Co-Borrower\nBorrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application\n\nCo-Borrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application;\n4=No Co-Borrower\n\nAge of Borrower in years\n99=Not provided by applicant in mail or telephone application\nAge of Co-Borrower in years\n98=No Co-Borrower;\n99=Not provided by applicant in mail or telephone application\nOccupancy Code\n1=Principal residence/owner-occupied;\n2=second home;\n3=investment property (rental)\nNumber of Units\nUnit1--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit2--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit3--Number of Bedrooms\n98=no non-owner-occupied dwelling units\nUnit4--Number of Bedrooms\n98=no non-owner-occupied dwelling units\n"} diff --git a/chunks/json/8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e.json b/chunks/json/8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e.json new file mode 100644 index 0000000000000000000000000000000000000000..28fbe3598116bda9be5b56edee2267824131dca7 --- /dev/null +++ b/chunks/json/8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":553147,"char_start":551547,"chunk_id":"chk_6d71e116a470233b","chunk_index":326,"chunk_sha256":"8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableSalesPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableSalesPriceRangeHighAmount\n\n50\n\n5\n\n15\n\n15\n\n5\n\n15\n\n15\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nNumeric\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nNumeric\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nMoney\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nPDF Display Format:\nWhole dollars only.\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nAppraiser\nAdditional File\nIdentifier\nComparable\nListings\nResearched Count\n\nComparable\nListings Price\nRange Low\nAmount\n\nComparable\nListings Price\nRange High\nAmount\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 106 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n"} diff --git a/chunks/json/8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31.json b/chunks/json/8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31.json new file mode 100644 index 0000000000000000000000000000000000000000..7780af8f3c6dfc755ef8e021985743eacbad6c8f --- /dev/null +++ b/chunks/json/8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1653,"char_start":0,"chunk_id":"chk_b371c0e21d15c7e5","chunk_index":0,"chunk_sha256":"8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nAppendix F-2: Restricted Appraisal Update Report Reference Guide\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nUniform Appraisal Dataset\n\nRevision History\n\nRevision History\n\nDate\n\nVersion\n\n6/10/2025 1.3\n\nReference Guide\nChapter\n\n05 Certifications\nand Scope of Work\n\nChange # Revision Description\n\n2025-036\n\nSee Appendix C-2 for all possible Certifications and Scope of Work text that may display.\n\nHeader and Footer 2024-028 Updated date in footer to September 2024.\n\n9/17/2024 1.2\n\n04 Assignment\nInformation\n\n2024-002 Corrected typo in Lender, Client, and AMC: The client is the party who engages an appraiser.\n\nHeader and Footer 2023-061 Updated date in footer to December 2023.\n\nOverview\n\n2023-037 Best Practices: Corrected section name for Certifications and Scope of Work.\n\n2023-003 Updated Report Label for Supervisory Appraiser Certifications.\n\n12/12/2023 1.1\n\n04 Assignment\nInformation\n\n2023-037\n\nClarified the ‘Definition / Additional Guidance’ column for ID (04.019, 04.034, 04.043), and\ncorrected references to ASC and the ASC National Registry.\n\n2023-068 Clarified that only one contact can be the Client (04.048).\n\n05 Certifications\nand Scope of Work\n\n2023-003\n\nAppraiser Cert 13: Clarified 05.024 and 05.025 to be Contact Name(s).\nUse Additional Supervisory Appraiser Certifications (05.037) to report prior services.\n"} diff --git a/chunks/json/8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb.json b/chunks/json/8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb.json new file mode 100644 index 0000000000000000000000000000000000000000..14718c43635e75889c3644913d1e9c1b466d682c --- /dev/null +++ b/chunks/json/8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5261,"char_start":3558,"chunk_id":"chk_844ad8eaabc49be1","chunk_index":2,"chunk_sha256":"8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_70f5e344060f13d5","text_sha256":"8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb","token_estimate":426,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-july-20-2024.pdf"]},"text":"Potential Red Flag Occupancy Message\n\nA new message will be issued reminding lenders to confirm the accuracy of the occupancy on the loan casefile. This message will\nbe issued when the loan is submitted as an investment property and later changed to a primary residence.\n\nLoan Application Data Validation Updates\n\nData validations performed when a loan application is submitted to DU will be updated to better align with current error\nhandling, and to help simplify parsing of error scenarios. Additional details are available in the Data Validation Update Integration\nImpact Memo, published on April 17, 2024.\n\nNote: These changes will apply to new loan casefiles created on or after July 20, 2024.\n\nUpdates to Align with the Selling Guide\n\nHousing Choice Voucher Homeownership Program\n\nSelling Guide Announcement SEL-2024-03 clarified Housing Choice Voucher Homeownership Program (more commonly known as\nSection 8) requirements. The DU message will be updated to reflect these clarifications.\n\nAppraiser Credential Requirements\n\nDU will issue a new message on loan casefiles where the loan amount is $1,000,000 or more, requiring that the lender confirm the\nappraiser credential is Certified Residential or higher.\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an\nIntegration Impact Memo will be posted on the Technology Integration page.\n"} diff --git a/chunks/json/8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a.json b/chunks/json/8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a.json new file mode 100644 index 0000000000000000000000000000000000000000..de33588c70e759cf542a5864e9c3e8a76c3812ff --- /dev/null +++ b/chunks/json/8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1658,"char_start":0,"chunk_id":"chk_761760e95bbeed40","chunk_index":0,"chunk_sha256":"8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a","token_estimate":415,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"AssessorRecord\n\nPhysicalMeasurement\n\nMLS\n\nMLS\n\n2345850\n\nMLS\n\n32498543\n\nMLS\n\n2354398\n\nMLS\n\n142332\n\nMLS\n\n425021\n\nMLS\n\n342332\n\nMLS\n\n442332\n\nMLS\n\n542332\n\nMLS\n\n77777\n\nMLS\n\n88888\n\nMLS\n\n99999\n\nMLS\n\n12345 Holiday Hwy\n\nSurfside\n\nHawaii\n\n12345\n\nHI\n\n400\n\nDetached\n\nCarport\n\n2\n\nDriveway\n\nGravel\n\n6\n\nfalse\n\nImpactResistantGlass\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nNone\n\nfalse\n\nfalse\n\ntrue\n\nDwelling\n\ntrue\n\nfalse\n\n1985\n\nfalse\n\nNone\n\nCarpet\n\nAdd comment if needed.\n\nNewOrLikeNew\n\nCommercial grade carpeting\n\nLaminate\n\nAdd comment if needed.\n\nNewOrLikeNew\n\nAdd comment if needed.\n\nFlooring\n\nFullyUpdated\n\nPaint shows wear, needs to be updated.\n\nTypicalWearAndTear\n\nAdd comment if needed.\n\nStandard\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n864\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n864\n\n0\n\n864\n\nfalse\n\n2\n\n1\n\n0\n\nC4\n\nQ5\n\n1\n\nBasic\n\nModeratelyUpdated\n\nUnit 1\n\ntrue\n\ntrue\n\nTenant\n\nSome areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected.\n\ntrue\n\nDriveway\n\n6\n\nBedroom 1\n\n\\\\Images\\2-4_Dwelling1Bedroom1.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\nBedroom 2\n\n\\\\Images\\2-4_Dwelling1Bedroom2.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\n\\\\Images\\2-4_Dwelling1Bathroom.png\n\nimage/png\n\nLevelOne\n\nNewer laminate floor installed. Some cabinet hardware missing.\n\nTypicalWearAndTear\n\nBasic quality cabinetry and fixtures\n\nFullBathroom\n\nFiveToTenYears\n\nPartiallyUpdated\n\n\\\\Images\\2-4_Dwelling1Kitchen.png\n\nimage/png\n\nLevelOne\n\nSome cabinet hardware and cabinet fronts missing exhibiting moderate wear and tear.\n\nDamagedAndFunctional\n\nThe stove is fully functional but considered outdated, undersized and does not meet current standards in the market.\n"} diff --git a/chunks/json/8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046.json b/chunks/json/8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046.json new file mode 100644 index 0000000000000000000000000000000000000000..de52d3969d2266d84e90e1d01185c8163cfb25af --- /dev/null +++ b/chunks/json/8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19787,"char_start":17769,"chunk_id":"chk_e3c925eb6228e3bd","chunk_index":12,"chunk_sha256":"8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046","token_estimate":505,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nTax Year – 4-digit year, yyyy\nReal Estate Taxes – Currency, whole dollars\nonly\n\nNeighborhood Name\nThe appraiser should enter a neighborhood\nname. It may be a name recognized by the\nmunicipality in which the property is sited,\nsuch as a subdivision name. If there is not a\nneighborhood name recognized by the\nmunicipality, enter the common name by\nwhich residents refer to the location.\n\nReporting Format:\nNeighborhood Name – Text\n\nProject Name\nThe appraiser must enter the legal name of\nthe project for the subject property and each\ncomparable property.\n\nReporting Format:\nProject Name – Text\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\nREQUIREMENT\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nPage 9 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nOccupant\nThe appraiser must indicate whether the\nsubject property is occupied by the owner or a\ntenant, or is vacant as of the effective date of\nthe appraisal. Only one selection is permitted.\nFor properties that are comprised of one unit\nwith an accessory unit, the selection must\nreflect the occupancy status of the main unit.\nAdditional information regarding the\noccupancy of any accessory unit may be\nprovided elsewhere in the appraisal report.\n"} diff --git a/chunks/json/8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb.json b/chunks/json/8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb.json new file mode 100644 index 0000000000000000000000000000000000000000..0c57cc241b2d5873f6aafac0d058343789275b31 --- /dev/null +++ b/chunks/json/8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31935747,"char_start":0,"chunk_id":"chk_0c5df52277a6efd4","chunk_index":0,"chunk_sha256":"8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb","date_utc":"2026-01-27T18:00:15+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_4f2020bb89694ffd","text_sha256":"8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb","token_estimate":1000,"warnings":["source_path=fha_uad_puf_annual_v1_0_csv/_.csv/_.csv/fha_uad_puf_2022_v1_0.csv"]},"text":"record_id: 2200007888000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 46 | county_fips_2010: NA | county_fips_2020: 46027 | tract_fips_2010: NA | tract_fips_2020: 46027965700 | purpose: 1 | owner_occupied: 2 | contract_price: 175000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 205000 | sales_range_low: 105000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -206 | average_adjustment: -1081 | adjusted_price: 185000 | number_comparables: 5 | same_tract_percent: 88 | calculated_proximity: 1.01 | reported_proximity: 1.01 | value_sale_comparison: 185000 | value_cost: NA | value_income: NA | appraised_value: 185000 | appraisal_to_contract: 104.8 | comparison_to_contract: 104.8\nrecord_id: 2200048746000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 18 | county_fips_2010: NA | county_fips_2020: 18097 | tract_fips_2010: NA | tract_fips_2020: 18097390500 | purpose: 1 | owner_occupied: 2 | contract_price: 205000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 1 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: 4000 | average_adjustment: 4100 | adjusted_price: 205000 | number_comparables: 1 | same_tract_percent: 100 | calculated_proximity: 0.23 | reported_proximity: 0.23 | value_sale_comparison: 205000 | value_cost: NA | value_income: NA | appraised_value: 205000 | appraisal_to_contract: 100 | comparison_to_contract: 100\nrecord_id: 2200031741000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 05 | county_fips_2010: NA | county_fips_2020: 05041 | tract_fips_2010: NA | tract_fips_2020: 05041950200 | purpose: 1 | owner_occupied: 2 | contract_price: 135000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -17227 | average_adjustment: -13684 | adjusted_price: 145000 | number_comparables: 3 | same_tract_percent: 20 | calculated_proximity: 10 | reported_proximity: 10 | value_sale_comparison: 145000 | value_cost: NA | value_income: NA | appraised_value: 145000 | appraisal_to_contract: 102.2 | comparison_to_contract: 102.2\nrecord_id: 2200011047000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 48 | county_fips_2010: NA | county_fips_2020: 48201 | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 265000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 495000 | sales_range_low: 225000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 5 | median_adjustment: 5380 | average_adjustment: -237 | adjusted_price: 275000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.14 | reported_proximity: 0.14 | value_sale_comparison: 265000 | value_cost: NA | value_income: NA | appraised_value: 265000 | appraisal_to_contract: 100 | comparison_to_contract: 100\nrecord_id: 2200039143000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 35 | county_fips_2010: NA | county_fips_2020: 35013 | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 305000 | built_up: 2 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 335000 | sales_range_low: 275000 | updated_last_15_years: 2 | lot_size: 5 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 585 | average_adjustment: 3125 |\n"} diff --git a/chunks/json/8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786.json b/chunks/json/8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786.json new file mode 100644 index 0000000000000000000000000000000000000000..537a3c8a7132b230751ddc0e4dfbaa5d3b3dbb4e --- /dev/null +++ b/chunks/json/8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786.json @@ -0,0 +1 @@ +{"chunk":{"char_end":66214,"char_start":64576,"chunk_id":"chk_40fb132c89d463d9","chunk_index":38,"chunk_sha256":"8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. I\nperformed an appraisal on April 13, 2018.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 29 of 29\nPage 29 of 29\n\nCertifications (continued)\n\nSignature\n\nAppraiser\nTom Appraiser\nTom Appraiser\n\nSupervisory Appraiser\nArthur Appraiser\nArthur Appraiser\n\n10/12/2019\n\nDate of Signature and Report\n\n10/12/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLevel\nID\nState\nExpires\n\nTrainee Appraiser\n1111TRHI\nHI\n12/31/2021\n\nCertified General\n987654HI\nHI\n12/31/2021\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\n2- to 4-Unit Scenario 2\n\nIntroduction\n\nThis report is for a four unit home in one dwelling. The units are model matches, each with 1,190 square\nfeet with two bedrooms and two full baths. The two first floor units include a patio, while the two\nsecond floor units include a balcony.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\no Client/Lender\no Appraiser\no AMC\n\nConstruction Method: Site Built\nAttachment Type: Detached\n\n•\n•\n• No Defects, Damages, or Deficiencies have been identified; the appraisal is made “As Is”\n•\n•\n\nSame properties used for sales comps, rental comps, and GRM comps\nSales Comparison Approach\n"} diff --git a/chunks/json/8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480.json b/chunks/json/8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480.json new file mode 100644 index 0000000000000000000000000000000000000000..a26cbe978ffde79fdbe263d4f18e74c30aee1116 --- /dev/null +++ b/chunks/json/8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1879,"char_start":0,"chunk_id":"chk_32d191edfd9333ae","chunk_index":0,"chunk_sha256":"8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480","date_utc":"2026-01-27T18:10:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_955175f7aea76563","text_sha256":"8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480","token_estimate":470,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123114.pdf"]},"text":"AMA_PUDB_Definitions_123114.xlsx\n\nData Definitions\nFederal Housing Finance Agency\nFederal Home Loan Bank Purchased Mortgage Files\nAs of December 31, 2014\n\nColumn\n\n1 Year\n2 Loan Number\n3 FHFBankID\n4 Program\n\n5 FIPSStateCode\n6 FIPSCountyCode\n7 MSA\n\n8 FeatureID\n9 Tract\n10 MinPer\n11 TraMedY\n12 LocMedY\n13 Tractrat\n14 Income\n15 CurAreY\n16 IncRat\n17 UPB\n18 LTV\n19 MortDate\n20 AcquDate\n21 Purpose\n\n22 Coop\n\n23 Product\n\n24 FedGuar\n\n25 Term\n26 AmorTerm\n27 FHFBID\n28 Seller\n29 SellCity\n30 SellSt\n\nDefinition\nYear Loan was reported\nUnique Loan Number (Not actual loan number)\nName of Federal Home Loan Bank District\nAMA Program\n01=Original MPF;\n02=MPF100;\n03=MPF125;\n04=MPF 125 Plus;\n05=MPF for FHA/VA;\n06=MPP;\n07=MPP/FHA;\n09=Shared Funding Loans\nFIPS State Code\nFIPS County Code\nCore Based Statistical Area\n99999=State/County/Tract combination is not located in a CBSA\nGeographic Names Information System (GNIS) Feature ID\nCensus Tract\nCensus Tract Minority Percentage\nCensus Tract Median Family Income in Whole Dollars\nLocal Area Median Income in Whole Dollars\nTract Income Ratio\nTotal Borrower(s) Annual Income in Whole Dollars\nArea Median Family Income in Whole Dollars\nBorrower Income Ratio\nAcquisition Unpaid Principal Balance in Whole Dollars\nLoan to Value Ratio at Origination\nYear of Mortgage Note\nYear of Acquisition Note\nLoan Purpose\n1=purchase;\n2=refinancing;\n3=second mortgage;\n4=new construction;\n5=rehabilitation\nCooperative Unit Mortgage\n1=yes;\n2=no\nProduct Type\n01=Fixed Rate;\n02=ARM;\n03=Balloon;\n04=GPM/GEM;\n05=Reverse Annuity Mortgage;\n06=other\nFederal Guarantee\n0=no federal guarantee;\n1=FHA;\n2=VA;\n3=FMHA-Guaranteed Rural Housing Loan;\n4=HECMs;\n5=Title1-FHA\nTerm of Mortgage at Origination in months\nAmortization Term in months\nAcquiring Lender Institution Federal Housing Finance Agency Membership ID\nAcquiring Lender Name\nAcquiring Lender City\nAcquiring Lender State\n"} diff --git a/chunks/json/8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb.json b/chunks/json/8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb.json new file mode 100644 index 0000000000000000000000000000000000000000..e8e99b7b1be3a58340cf4aeb6e36ca715ae8c9be --- /dev/null +++ b/chunks/json/8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4111,"char_start":3329,"chunk_id":"chk_e6f3883ff5a84fa3","chunk_index":4,"chunk_sha256":"8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"RELATIONSHIP Element “Arcrole” Naming Convention......................................................... 12\n\nRELATIONSHIP Element “Arcrole” FromName/ToName Value Order ...................................... 13\n\nUniform Loan Application Dataset (ULAD) Xlink Arcroles .......................................................... 14\n\nOverview ........................................................................................................................... 14\n\nRelationship Between a Borrower’s Income and the Associated Employer ................................... 14\n\nRelationship Between a Counseling Event and the Associated Housing Counseling Agency ........... 17\n\nRelationship Between an ASSET (Owned Property) and the Associated Liabilties ......................... 19\n"} diff --git a/chunks/json/8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b.json b/chunks/json/8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b.json new file mode 100644 index 0000000000000000000000000000000000000000..c9912f9657a93f05543f280a500d91ea8b781376 --- /dev/null +++ b/chunks/json/8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21119,"char_start":19451,"chunk_id":"chk_c85c1d26e4de3f13","chunk_index":11,"chunk_sha256":"8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b","token_estimate":416,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"## Dashboards\n\n## Enterprise Single-Family PUDB\n\nThe Enterprise Single-Family Public Use Database Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of single-family mortgages that Fannie Mae and Freddie Mac acquire. It shows characteristics about single-family loans, properties, and units at the national level, and characteristics about single-family loans and properties at the state level. It includes key statistics, time series charts, stacked bar charts, and state maps of single-family housing characteristics such as median loan amount, number of properties, and affordability. The underlying aggregate statistics presented in the dashboard come from the Enterprise Single-Family PUDB datasets, updated annually since 2008.\n\n- [Enterprise Single-Family Public Use Database Dashboard](/data/dashboard/enterprise-single-family-public-use-database)\n\n## Enterprise Multifamily PUDB\n\nThe Enterprise Multifamily Public Use Database Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of multifamily mortgage that Fannie Mae and Freddie Mac acquire. It shows characteristics about multifamily loans, properties, and units at the national level, and characteristics about multifamily loans and properties at the state level. It includes key statistics, time series charts, and state maps of multifamily housing characteristics such as median loan amount, number of properties, average number of units per property, and unit affordability. The underlying aggregate statistics presented in the dashboard come from the Enterprise Multifamily PUDB datasets, updated annually since 2008.\n"} diff --git a/chunks/json/8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd.json b/chunks/json/8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd.json new file mode 100644 index 0000000000000000000000000000000000000000..d3f52a0f7aa51744ff9cfc5b16102b4a5353a873 --- /dev/null +++ b/chunks/json/8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":110048,"char_start":108699,"chunk_id":"chk_2f598f20bfb433fd","chunk_index":44,"chunk_sha256":"8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ROF as “$240,000”\n\nUID\n1.018\n\nN/A – GSE\n\nPropertyValuationM\nethodType\n\nAppraisal\n\nNot shown – data\nclarity\n\nTable 18. Estimated Prop. Value for Refinance Transaction\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n1.7\n\nEstimated Prop.\nValue\n\n…/PROPERTY_DETAIL PropertyEstimatedVa\n\n300000.00\n\nROF as “$300,000”\n\nlueAmount\n\nB. FOR MORE I NFORMAT I ON\n\n1.0 Reg §1026.38(a)(3), pp. 80120, 80350, 80000.\n\n1.1 Reg §1026.38(a)(3)(i), pp. 80120, 80350, 80000. Cross reference to §1026.37(a)(4).\n\n1.2 Reg §1026.38(a)(3)(ii), pp. 80120, 80001.\n\n1.3 Reg §1026.38(a)(3)(iii), pp. 80121, 80001.\n\n1.4 Reg §1026.38(a)(3)(iv), pp. 80121, 80350, 80001.\n\n1.5 Reg §1026.38(a)(3)(v), pp. 80121, 80350, 80001.\n\n1.6 Reg §1026.38(a)(3)(vi), pp. 80121, 80350, 80001.\n\n1.7 Reg §1026.38(a)(3)(vii)(A) and (B), pp. 80121, 80350 80362-3, 80002, 80056.\n\nAppendix E: UCD Implementation Guide\n\nPage 38 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n2.0 Transaction Information\n\n2.0 TRANSACTION INFORMATION\n\nThis section is included in all Closing Disclosure variations.\n\nTable 19. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-\n\nBorrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\n2.0\n\nTransaction Information\n\n✓\n"} diff --git a/chunks/json/8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa.json b/chunks/json/8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa.json new file mode 100644 index 0000000000000000000000000000000000000000..95c2e492fd2c9195b990f0818df6ea90a393d7c2 --- /dev/null +++ b/chunks/json/8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18651,"char_start":16640,"chunk_id":"chk_22cf917f7d87e688","chunk_index":10,"chunk_sha256":"8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa","token_estimate":596,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"---\n\n**Year** **Format** **Dictionary** ​**DTS Plan Cycle** 2025 [[ZIP]](/document/2025-02-21_a01_hoa_file.zip) [[PDF]](/document/dts_high-opportunity_areas_2025_readme.pdf) 2025-2027 (2020 Census Tracts) 2024 [​[ZIP]](/sites/default/files/2024-05/DTS_HighOpportunityAreas_2024.zip) [​[PDF]](/sites/default/files/2024-07/DTS_High%20Opportunity_Areas_2024_README.pdf) ​2025-2027\n(2020 Census Tracts) ​2023 [​[ZIP]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2023.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2023.pdf) ​2022-2024\n(2020 Census Tracts) ​2022 [​[ZIP]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2022.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2022_README.pdf) ​2022-2024\n(2020 Census Tracts) ​2020 [​[ZIP]](/sites/default/files/2023-10/DTS_High%20Opportunity_Areas_2020.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High%20Opportunity_Areas_2020_README.pdf) ​2022-2024\n(2010 Census Tracts) 2017 [[ZIP]](/sites/default/files/2023-10/DTS_red_highopportunity_2017.zip) [[PDF]](/sites/default/files/2023-10/DTS-Residential-Economic-Diversity_High-Opportunity-Areas-revised.pdf) ​2018-2021 ## Areas of Concentrated Poverty\n\n---\n\n**Year** **Format** **Dictionary** **​DTS Plan Cycle** 2024 ​[[ZIP]](/sites/default/files/2024-05/qct_recapcw_2024.zip) ​[[PDF]](/sites/default/files/2024-07/Areas_of_Concentrated_Poverty_README_2024.pdf) 2025-2027\n(2020 Census Tracts) ​2022 ​[[ZIP]](/sites/default/files/2023-10/qct_recap_2022.zip) ​[[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2022.pdf) ​2022-2024\n(2020 Census Tracts) ​2020 ​[[ZIP]](/sites/default/files/2023-10/acp_2020.zip) ​[[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2020.pdf) ​2022-2024\n(2010 Census Tracts) 2018 [[ZIP]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_2018.zip) [[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2018.pdf) ​ ## Small Financial Institutions Data\n"} diff --git a/chunks/json/8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d.json b/chunks/json/8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d.json new file mode 100644 index 0000000000000000000000000000000000000000..90889d5b2b4cfb54f60cfab48092c225d46e033c --- /dev/null +++ b/chunks/json/8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5360,"char_start":3755,"chunk_id":"chk_eba1ea700d22dc9b","chunk_index":2,"chunk_sha256":"8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d","token_estimate":401,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"Numeric code indicating the race of the Co-Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership),\n8=No Co-Borrower\n\n27\n\nBorrower1SexType\n\nBoSex\n\nBorrower1 Sex Type\n\n28\n\nBorrower2SexType\n\nCoSex\n\nBorrower2 Sex Type\n\n29\n\nBorrower1AgeAtApplicationYears\n\nBoAge\n\nBorrower1 Age at Application Years Count\n\n30\n\nBorrower2AgeAtApplicationYears\n\nCoAge\n\nBorrower2 Age at Application Years Count\n\n31\n\nPropertyUsageType\n\nOccup\n\nProperty Usage Type\n\nPropertyUnitCount\n\n32\n33 NoteRatePercent\n34 NoteAmount\n35 HousingExpenseRatioPercent\n\nNumUnits\nRate\nAmount\nFront\n\nProperty Unit Count\nNote Rate Percent\nNote Amount\nHousing Expense Ratio Percent\n\n36\n\nTotalDebtExpenseRatioPercent\n\nBack\n\nTotal Debt Expense Ratio Percent\n\n37\n\nBorrower1CreditScoreValue\n\nBoCreditScor\n\nBorrower 1 Credit Score Value\n\n38\n\nBorrower2CreditScoreValue\n\nCoBoCreditScor\n\nBorrower 2 Credit Score Value\n\n39\n\nPMICoveragePercent\n\nPMI\n\nPMI Coverage Percent\n\nNumeric code indicating the sex of the first or primary\nborrower. 1=Male, 2=Female, 3=Information not\nprovided by borrower, 4=Not Applicable (First or\nprimary borrower is an institution, corporation or\npartnership), 6=Indeterminate Value\n\nNumeric code indicating the sex of the co-borrower.\n1=Male, 2=Female, 3=Information not provided by\nborrower, 4=No Co-Borrower, 5=Not Applicable\n(First or primary borrower is an institution,\ncorporation or partnership), 6=Indeterminate Value\n"} diff --git a/chunks/json/8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f.json b/chunks/json/8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f.json new file mode 100644 index 0000000000000000000000000000000000000000..6444c07e1fa6ee0974c3fcf3b1c8c12d11ff8860 --- /dev/null +++ b/chunks/json/8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14959,"char_start":13314,"chunk_id":"chk_ff2b87754c7e1721","chunk_index":8,"chunk_sha256":"8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Condition Comment\nAdd comment if needed.\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nPaint shows wear, needs to\nbe updated.\n\nCheck #A\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit 1)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nAppliances\n\nCabinetry\n\nCabinetry\n\nDoors\n\nWalls and Ceiling\n\nLocation\nKitchen\n\nBathroom\n\nKitchen\n\nBathroom\n\nBathroom\n\nUnit Interior Commentary\n\nDescription\nThe stove is fully functional but considered\noutdated, undersized and does not meet\ncurrent standards in the market.\n\nSome cabinet hardware is missing exhibiting\nmoderate wear and tear.\n\nSome cabinet hardware and cabinet fronts\nmissing exhibiting moderate wear and tear.\n\nPeeling paint that is cosmetic in nature.\n\nPeeling and worn paint that is cosmetic in\nnature.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nNo\n\nNo\n\nNo\n\nNo\n\nNone\n\nNone\n\nNone\n\nNone\n\nSome areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 8 of 29\n\nUnit Interior - Building 1 - Unit 1 (continued)\n\nUnit Interior Exhibits\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit 1 Bedroom 1 photo would display.\n\nThis is where the Unit 1 Bedroom 2 photo would display.\n"} diff --git a/chunks/json/8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d.json b/chunks/json/8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d.json new file mode 100644 index 0000000000000000000000000000000000000000..8556b28fd5f1be72be9fdbcac2b023fe49604bcb --- /dev/null +++ b/chunks/json/8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":314558,"char_start":312860,"chunk_id":"chk_db17d69f8cd79b2c","chunk_index":184,"chunk_sha256":"8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"417\n\n418\n\n419\n\n420\n\n421\n\n422\n\n423\n\n424\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\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n20\n\nCOST APPROACH\n\nCost-New Improvements\nOther\nPrice/Sq. Ft.\n\nPrice Per Square Foot\nAmount\n\n21\n\nCOST APPROACH\n\nCost-New Improvements\nOther\nCost\n\nNew Improvement\nCost Amount\n\n22\n\nCOST APPROACH\n\nCost-New Improvements\nExtras\n\nNew Improvement\nCost Description\n\n23\n\nCOST APPROACH\n\nCost-New Improvements\nExtras\nCost\n\nNew Improvement\nCost Amount\n\nThe price in terms of dollars per\nsquare foot. This is a ratio between a\nprice and an area, but it is a monetary\nvalue rather than a factor or rate. (i.e.\nsales price per gross living area of a\nproperty)\nThe dollar value of total estimated\ncosts to reproduce new the property\nimprovement. (CALCULATED\nRESULTS FIELD)\nA free form text field used to capture\nadditional information about new\nproperty improvement reproduction\ncosts.\nThe dollar value of total estimated\ncosts to reproduce new the property\nimprovement. (CALCULATED\nRESULTS FIELD)\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Other']/@PricePerSquareFoo\ntAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Other']/@_CostAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Additional']/@_CostDescript\nion\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Additional']/@_CostAmount\n\n24\n\nCOST APPROACH\n\nCost-New Improvements\nGarage/Carport\nSq. Ft.\n\nSquare Feet Count\n\nIdentifies an area measured in square\nfeet. (e.g. The area of a room or deck)\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Garage']/@SquareFeetCount\n"} diff --git a/chunks/json/8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4.json b/chunks/json/8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4.json new file mode 100644 index 0000000000000000000000000000000000000000..df29c0d9e9993e49f1b24d0cfee0e13cd3354099 --- /dev/null +++ b/chunks/json/8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24313,"char_start":22702,"chunk_id":"chk_1fbd565745c7e3e0","chunk_index":13,"chunk_sha256":"8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Dwelling Rear Photo\nPhoto(s) of the rear of the dwelling may be provided, which display in Appraisal\nUpdate Exhibits with the caption “Dwelling Rear.” A caption may be provided\nto further identify each photo.\n\nSee\niGuide\n\nAppraisal\nUpdate Exhibits\n\nIf required by client or\nscope of work\n\nPhotos or images Other photos or images relevant to the Appraisal Update may be provided,\nwhich display in Appraisal Update Exhibits. A caption must be provided to\nfurther describe each photo or image.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 13 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\n04 Assignment Information\n\nThe Assignment Information section always displays and provides information about the entities involved in the\nappraisal update, and work completed by the appraiser and other parties.\n\nGeneral Information\n\nAppraisal Update - Assignment Information: General Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n04.001 Borrower Name\n\nIf applicable\n\nAllowable\nAnswers / Format\n\nFree-form\nRepeatable\n\nDefinition / Additional Guidance\n\nNotes:\n•\n•\n\nThe borrower can be a person or a legal entity.\nFor VA, reference VA appraisal guidelines.\n\n04.002 Appraiser Fee\n\nIf required by state or\nclient\n\nDollar amount\n\nThe fee charged by the appraiser.\n\nNote: If not populated, Appraiser Fee does not display.\n\n04.003 AMC Fee\n\nIf required by state or\nclient\n\nDollar amount\n\nThe fee charged by the AMC.\n\nNot on\nReport\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\n04.004 Government\n\nAgency\n\n04.005\n\nInvestor\nRequested\nSpecial\nIdentification\n\nAlways required\n"} diff --git a/chunks/json/8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1.json b/chunks/json/8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1.json new file mode 100644 index 0000000000000000000000000000000000000000..3608b4b194ebc0f71f898243c00c9576097fd80d --- /dev/null +++ b/chunks/json/8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1111811,"char_start":1110203,"chunk_id":"chk_63c3706b15b73ac1","chunk_index":660,"chunk_sha256":"8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\n\nA value of 'Y' indicates there is a disposal. A value of 'N' indicates the box was not\nchecked.\n\nBoolean\n\nA value of 'Y' indicates there is a microwave. A value of 'N' indicates the box was\nnot checked.\n\nBoolean\n\nA value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the box was\nnot checked.\n\nBoolean\n\nA value of 'Y' indicates there is an other appliance. A value of 'N' indicates the box\nwas not checked.\n\n2\n\n2\n\n5\n\nNumeric\n\nNumeric\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bedrooms Only\n\nPDF Display Format:\nWhole numbers only.\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bathrooms Only\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='Other']/@_TypeOtherDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nThis field should be populated if field 1-199\n(Kitchen Equipment Exists Indicator) is\nindicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 185 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"} diff --git a/chunks/json/8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81.json b/chunks/json/8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81.json new file mode 100644 index 0000000000000000000000000000000000000000..a44b8eb08b408d8b6a6bbfbed2528dac639c1f3a --- /dev/null +++ b/chunks/json/8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81.json @@ -0,0 +1 @@ +{"chunk":{"char_end":566840,"char_start":565238,"chunk_id":"chk_58ee3d27cd39f269","chunk_index":334,"chunk_sha256":"8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 108 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n348\n\n3\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp\ne\n\n19\n\nEnumerated\n\n349\n\n350\n\n3\n\n3\n\ne-7\n\n29\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt\nherDescription\n\n20\n\nEnumerated\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\n"} diff --git a/chunks/json/8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d.json b/chunks/json/8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d.json new file mode 100644 index 0000000000000000000000000000000000000000..03f4e2fa2041b6077e40192c218783f5842e33ff --- /dev/null +++ b/chunks/json/8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1738,"char_start":0,"chunk_id":"chk_0719bc261d36de60","chunk_index":0,"chunk_sha256":"8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fdad72ce23b7e187","text_sha256":"8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Accessibility_at_FHFA___FHFA_eumj2.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/fhfa-policies/accessibility\"\ndate_accessed: \"2026-01-27T17:48:01.707Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee.json b/chunks/json/8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee.json new file mode 100644 index 0000000000000000000000000000000000000000..9817d7ed2429dcf1e96f7d48882ced038e77c7bd --- /dev/null +++ b/chunks/json/8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7161002,"char_start":0,"chunk_id":"chk_dedd24cb5a1696c2","chunk_index":0,"chunk_sha256":"8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee","date_utc":"2026-01-27T18:12:54+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_773472393449c9a0","text_sha256":"8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_sf_nfc/2024_PUDB_SF_NFC/2024_pudb_sf_nfc_fnma.csv"]},"text":"enterprise: 1 | record_num_sf_nfc: 10000001 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 335000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 2 | repurchased_pct: 1.0000\nenterprise: 1 | record_num_sf_nfc: 10000002 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 105000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000003 | tract_minority_cat: 1 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 460000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000004 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 385000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000005 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 283000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000006 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 2 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 216000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000007 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 1 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 2 | product: 1 | purchase_price: 833000 | rate_orig_cat: 8 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000008 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 395000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000009 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 430000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000010 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 1 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 190000 | rate_orig_cat: 7 | term_orig_cat: 2 | term_amort_cat: 2 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000011 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 1 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 313000 | rate_orig_cat: 7 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000012 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 250000 | rate_orig_cat: 8 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 1 | record_num_sf_nfc: 10000013 | tract_minority_cat: 1 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1\n"} diff --git a/chunks/json/8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41.json b/chunks/json/8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41.json new file mode 100644 index 0000000000000000000000000000000000000000..09d8b192d70d82e2e0366ff89abe40347e9ea271 --- /dev/null +++ b/chunks/json/8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41.json @@ -0,0 +1 @@ +{"chunk":{"char_end":378038,"char_start":376056,"chunk_id":"chk_da5e97961fbe9056","chunk_index":217,"chunk_sha256":"8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41","token_estimate":496,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Signature\n\nAppraiser\nAnnie Appraiser\nAnnie Appraiser\n\n03/14/2022\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\nT235719287434\nTN\n01/30/2024\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nSingle Family Scenario 1 (SF1)\n\nIntroduction\n\nThis report is for a single-family detached home with three levels that is less than a half mile from the\ntown center. The property has two levels above grade and one level below grade, with a total finished\narea of 4,302 sq. ft.; 3,002 sq. ft. finished above grade and 1,300 sq. ft. finished below grade.\n\nThe below grade area has a rear walk out and includes a recreation room, media room, custom wet bar,\nhalf bath, and 230 sq. ft. of unfinished storage area.\n\nThe structure also includes a built-in two-car garage and a covered porch.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\no Significant Real Property Appraisal Assistance was provided by appraiser trainee\no Appraiser\no AMC\n\nConstruction Method: Site Built\nProperty is in a Planned Unit Development (PUD)\nAccessibility features for individuals with disabilities\nRESNET HERS Index Rating\n\n•\n•\n•\n•\n• Defects, Damages, Deficiencies indicate an item that affects soundness or structural integrity\n•\n•\n\nAppraisal is made Subject to Repair\nThere are two Overall Condition Ratings\n\no Condition subject to repair – C4 (after repairs are completed)\no Based on As Is – C5 (current state condition)\n\n•\n\n•\n•\n•\n\nSales contract was analyzed and included concessions, the transfer terms were considered\ntypically motivated, and it appears to be an arm’s length transaction\nTwo defects have been identified: one subject to repair, one with no recommended action\nBelow grade exterior access is included as an additional row in the sales grid\nThe Sales Comparison Approach section includes Additional Properties Analyzed Not Used\n"} diff --git a/chunks/json/8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8.json b/chunks/json/8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8.json new file mode 100644 index 0000000000000000000000000000000000000000..70c4f2b035b6eb967c62a655e19e246791a1cdbd --- /dev/null +++ b/chunks/json/8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":101049,"char_start":99372,"chunk_id":"chk_ce3dc3de630f8ed7","chunk_index":57,"chunk_sha256":"8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If applicable\n\n2-letter USPS state\ncode\n\nDefinition / Additional Guidance\n\nCredential number issued by the state, referred to by the ASC as “state\nregistration tracking number”.\n\nState for the AMC credential that applies to the assignment.\n\n2.016\n\nExpires\n\nIf applicable\n\nmm/dd/yyyy\n\nExpiration date for the AMC credential.\n\nAppendix F-1: URAR Reference Guide\n\nPage 38 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nAppraiser and Supervisory Appraiser\n\nThis portion of the Contact Information subsection shows details about the Appraiser and Supervisory\nAppraiser, if applicable. Contacts display in this subsection when Role is Appraiser or Supervisory Appraiser.\n\nAllowable Answer\n\nAppraiser\n\nSupervisory Appraiser\n\nAppraiser and Supervisory Appraiser: Role\n\nDefinition / Additional Guidance\n\nThe person who developed the opinion of value and signed the report.\nNotes:\n•\n\nAll who sign the certification are acting in the capacity of an appraiser, regardless of their level (i.e., Appraiser\nTrainee, Appraiser).\nOnly select this answer when the person is performing the valuation service and signing the report.\nReference the Appraiser Certifications (29.020-29.053).\n\nThe person who performed supervision of the appraisal process and signed the report.\nNotes:\n•\n\nAn appraiser that signs the certification as a Supervisory Appraiser accepts full responsibility for all elements of the\ncertification, for the assignment results, and for the contents of the appraisal report.\nReference the Supervisory Appraiser Certifications (29.054-29.062, 29.071-29.074).\n\n•\n•\n\n•\n\nAssignment Information: Contact Information – Appraiser and Supervisory Appraiser\n"} diff --git a/chunks/json/8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba.json b/chunks/json/8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba.json new file mode 100644 index 0000000000000000000000000000000000000000..dd0c28a79f6cec779d60a79e873d0418d23be5fc --- /dev/null +++ b/chunks/json/8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":154509,"char_start":152720,"chunk_id":"chk_1d7272cf8aecee51","chunk_index":87,"chunk_sha256":"8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba","token_estimate":447,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"ULDDS Appendix A Uniform Loan Delivery Data Specification Appendix A – XML Data\n\nUMDP\n\nURAR\n\nURI\nURLA\n\nURN\nUser Guide\nV30_B263-\n12_LDDReport\nV3.0\nW3C\nXLink\nXML\nXPath\n\nRequirements—used to refer to the joint GSE Appendix A\nUniform Mortgage Data Program\n\nUniform Residential Appraisal Report, Fannie Mae Form 1004, Freddie Mac\nForm 70\nUniform Resource Identifier\nUniform Residential Loan Application, Fannie Mae Form 1003, Freddie Mac\nForm 65\nUniform Resource Name\nUsing MISMO® V3.0 and the Uniform Loan Delivery Data Specification\nThe file name for the V3.0 LDD\n\nVersion 3.0 of the Reference Model and associated LDD\nWorld Wide Web Consortium\nXML Linking Language\neXtensible Markup Language\nXML Path Language\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 69 of 76\n\nSection IX. Data Points Referenced\n\nIX. Data Points Referenced\n\nAddressLineText, 60\nAddressType, 60\nAdjustmentRuleType, 16, 23-24, 51-53\nAppraiserLicenseIdentifier, 59\nAttachmentType, 16, 20, 70, 71\nAutomatedUnderwritingSystemType, 17\nAutomatedUnderwritingSystemTypeOtherDescriptio\n\nn, 17\n\nAVMModelNameType, 17\nAVMModelNameTypeOtherDescription, 17\nBalloonIndicator, 47\nBalloonResetDate, 43, 46, 54\nBorrowerAgeAtApplicationYearsCount, 60\nBorrowerBirthDate, 19, 60\nBorrowerClassificationType, 60\nBorrowerFirstTimeHomebuyerIndicator, 60\n\nBorrowerMailToAddressSameAsPropertyIndicator,\n\n60\n\nBorrowerQualifyingIncomeAmount, 14, 60\nCeilingRatePercent, 52\nCitizenshipResidencyType, 60\nCityName, 14, 60\nClosingCostContributionAmount, 22\nClosingCostFundsType, 18, 22\nClosingCostFundsTypeOtherDescription, 18\nClosingCostSourceType, 22\nCounselingConfirmationType, 17, 18, 60\nCounselingConfirmationTypeOtherDescription, 17,\n"} diff --git a/chunks/json/8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6.json b/chunks/json/8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6.json new file mode 100644 index 0000000000000000000000000000000000000000..c0f5aa7401cd079db8c0bfdc1c423832414c7bf3 --- /dev/null +++ b/chunks/json/8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":442123,"char_start":440374,"chunk_id":"chk_cebabe17feaf5fa0","chunk_index":255,"chunk_sha256":"8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6","token_estimate":437,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 10 of 22\n\nSubject Property Amenities (continued)\n\nIndoor Fireplace\n\nThis is where the Indoor Fireplace photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ3\nQ3\nQ2\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear\nand tear. Possible termite infestation noted.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nMarket\n\nMarket Area Boundary The subject is bounded on the northwest by Falling Road, east by I270 and south by Montour Road.\n\nSearch Criteria Description Attached properties with Above Grade Finished Area ranging from 1,900 to 4,000 Sq. Ft. in the described market\nboundary area.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\nHousing Trends\n\nDemand/Supply\n\n8\n46\n$780,000\n$1,070,000\n$1,550,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n6\n$780,000\n$880,000\n$1,050,000\nNo\nPrice Trend\nThis Area MLS\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n"} diff --git a/chunks/json/8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1.json b/chunks/json/8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1.json new file mode 100644 index 0000000000000000000000000000000000000000..c6136bdb238debf4cca5ff8b9f536c0d9ce78392 --- /dev/null +++ b/chunks/json/8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46258,"char_start":43766,"chunk_id":"chk_2ce0acf1dbccad0d","chunk_index":25,"chunk_sha256":"8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1","token_estimate":623,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 20\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85.json b/chunks/json/8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85.json new file mode 100644 index 0000000000000000000000000000000000000000..0d50a87612a1ea8a256a5e72b75e4b92150b7cb8 --- /dev/null +++ b/chunks/json/8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85.json @@ -0,0 +1 @@ +{"chunk":{"char_end":447281,"char_start":445633,"chunk_id":"chk_1248f79c7180315a","chunk_index":253,"chunk_sha256":"8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The Maximum Interest Rate permitted by the note terms, such as an interest rate ‘‘cap” or “ceiling”. If the\nnote terms do not specify a maximum interest rate, the maximum interest rate permitted by applicable\nlaw, such as State usury law, must be disclosed.\n\n20.4 Change Frequency-First Change - the month when the interest rate may first change, counted from the\n\nnote date.\n\n20.5 Change Frequency-Subsequent Change - the frequency of interest rate adjustments after the initial\n\nadjustment.\n\n20.6 Limits on Interest Rate Changes –First Change - the rate cap for the first adjustment of the interest rate\n\nafter consummation.\n\n20.7 Limits on Interest Rate Changes –Subsequent Change - the rate cap for subsequent adjustments of the\n\ninterest rate after the initial adjustment. If more than one limit applies to rate adjustments after the initial\nadjustment, the highest limit for subsequent adjustments must be disclosed. For For example, if the second\nadjustment is capped at two and a half percent, and all subsequent adjustments are capped at three\npercent, the disclosure required is ‘‘3%.’’\n\nA. LOAN TERMS AND AI R T ABLES\n\nSome of the rate adjustment information required for the AIR table has already been provided in 4.0 Loan\nTerms as part of the description of the increase to the Interest Rate. The following table shows similarities and\ndifferences between 4.2.3 in the Loan Terms table and the AIR Table. This relationship is important to\nunderstand, because the same data points are used to populate both tables where the data overlaps, and\nappear in the XML file only once.\n\nTable 140. Loan Terms and AIR Table Interest Rate Features\n"} diff --git a/chunks/json/8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35.json b/chunks/json/8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35.json new file mode 100644 index 0000000000000000000000000000000000000000..9271c6909730a658f61a6edc33edeaebf1d64e5d --- /dev/null +++ b/chunks/json/8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35.json @@ -0,0 +1 @@ +{"chunk":{"char_end":457388,"char_start":455717,"chunk_id":"chk_429f866117fe0dfe","chunk_index":259,"chunk_sha256":"8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Adjustable Interest Rate (AIR) Table\n\n20.0\n\nInterest Rate Adjustments\n\nInitial Interest Rate\n\n20.1 3\n20.2 2%\n\nMinimum/Maximum Interest Rate\n\n20.3 2% Min/5% Max\n\nChange Frequency\n\nFirst Change\n\nSubsequent Change\n\n20.4 Beginning of 13th month\n\n20.5 Every 12 months after first change\nfor 36 months\n\nLimits on Interest Rate Changes\n\nFirst Change\n\nSubsequent Change\n\n20.6 1%\n\n20.7 1%\n\nFigure 131. Step Rate Mortgage\n\n1. LOAN TERMS TABLE STEP RATE ENTRI ES\n\nAs shown in the figure below, Row 4.2 of the Loan Terms table provides information about the Step Rate loan\nthat is presented again in the AIR Table.\n\nLoan Terms\n\n4.0 Rate\n\nIncrease?\n\nDescription\n\n4.2 Interest Rate\n\n4.2.1 2%\n\n4.2.2 YES\n\n4.2.3\n\n1) Adjusts every year starting in year 2\n\n2) Can go as high as 5% in year 4\n\n3) See AIR Table on page 4 for details\n\nAppendix E: UCD Implementation Guide\n\nPage 212 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nFigure 132. Step Rate Loan\n\n2. LOAN TERMS AND AI R TABLES FOR STEP RATE\n\nTable 143 links the information provided in the Loan Terms and AIR tables. Only those Form Field IDs that share\nvalues across both tables are included.\n\nTable 143. Loan Terms and AIR Tables for Step Rate Loan\n\nLoan Terms Table-Interest Rate (4.2)\n\nID (bullet)\n\n4.2.2\n\nForm Field Name\n\nInterest Rate - Can this amount increase after\nclosing? YES\n\nN/A\n\n4.2.1\n\nInterest Rate 2%\n\nN/A\n\n4.2.3 (2)\n\n4.2.3 (1)\n\nCan go as high as 5% in year #\n\nAdjusts every # years starting in year 2\n\n4.2.3 (1)\n\nAdjusts every year1 starting in year #\n\nN/A\n\nN/A\n\nAIR Table (20.0)\n\nForm Field Name\n\nAdjustable Interest Rate (AIR) Table\n(If 4.2.2 = YES must be included)\n"} diff --git a/chunks/json/8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52.json b/chunks/json/8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52.json new file mode 100644 index 0000000000000000000000000000000000000000..9aa7795c1201049793621d6ba2951cb3b38051f2 --- /dev/null +++ b/chunks/json/8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14659,"char_start":14615,"chunk_id":"chk_f53b7e3f3a4bd7d1","chunk_index":9,"chunk_sha256":"8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52","token_estimate":11,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.xml/Coop1_Appraisal_v1.3.xml","below_target_min_tokens"]},"text":"2\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"} diff --git a/chunks/json/8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25.json b/chunks/json/8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25.json new file mode 100644 index 0000000000000000000000000000000000000000..89d1298f8f5dbbaa30ac941632515db4f496e566 --- /dev/null +++ b/chunks/json/8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25.json @@ -0,0 +1 @@ +{"chunk":{"char_end":683904,"char_start":682241,"chunk_id":"chk_fa5c4a2b45464efc","chunk_index":407,"chunk_sha256":"8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25","token_estimate":416,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"24.003\n24.014\n\nGross Building\nFinished Area\n\nWhen the\nsubject or any\nGRM\ncomparable\nhas ADUs\n\nIf relevant\n\nAlways required\n\nNumber\n\nRequired when the\nrow is included in the\nGRM comparison grid\n\nNumber of square\nfeet\n\n24.004\n24.015\n\nRent Control\n\nIf relevant\n\nRequired when the\nrow is included in the\nGRM comparison grid\n\nYes | No\n\nSubject Property\n•\n\nNumber of ADUs\non Subject\nProperty 3.006\n\nThe appraiser must\nenter the information\nfor the subject\nproperty.\n\nNote: Displays in Sales\nComparison Approach,\nif applicable\n•\n\nGross Building\nFinished Area\n22.05.04\n\nProperty Subject to Rent\nControl does not\npopulate from other\nsections; the appraiser\nmust enter information\nfor the subject property\n\nAppendix F-1: URAR Reference Guide\n\nPage 306 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n24 Income Approach\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nIncome Approach: Gross Rent Multiplier Comparables\n\nReport\nField ID\n\n24.006\n24.016\n\nReport Label\n\nAdditional\ndata element\ndisplays as the\nReport Label\n24.005\n\nIf relevant\n\nRequired when the\nrow is included in the\nGRM comparison grid\n\nFree-form\n\n24.017\n\nSale Price\n\nAlways\n\nAlways required\n\nDollar amount\n\n24.018\n\nSale Date\n\nAlways\n\nAlways required\n\nmm/dd/yyyy\n\n24.019\n\nGross Monthly\nRent\n\nAlways\n\nAlways required\n\nYes | No\n\n24.007\n24.019\n\nGross Monthly\nRent\n\nAlways\n\nAlways required\n\nDollar amount\n\n24.020\n\nGross Rent\nMultiplier\n\nAlways\n\nAlways required\n\nNumber\n\nAdditional Row does not\npopulate from other\nsections; 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}; h.appendChild(s); })();\n"} diff --git a/chunks/json/8c08a45f674f59742e856cd0410d4d7fff36c522d9f97663a47424e1f39d7be3.json b/chunks/json/8c08a45f674f59742e856cd0410d4d7fff36c522d9f97663a47424e1f39d7be3.json new file mode 100644 index 0000000000000000000000000000000000000000..48352f81f4b510b563578141749e9fa8e56150c4 --- /dev/null +++ b/chunks/json/8c08a45f674f59742e856cd0410d4d7fff36c522d9f97663a47424e1f39d7be3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11130,"char_start":10952,"chunk_id":"chk_eae31abee1d94abc","chunk_index":6,"chunk_sha256":"8c08a45f674f59742e856cd0410d4d7fff36c522d9f97663a47424e1f39d7be3","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"8c08a45f674f59742e856cd0410d4d7fff36c522d9f97663a47424e1f39d7be3","token_estimate":45,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.md","below_target_min_tokens"]},"text":"Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n"} diff --git a/chunks/json/8c1d54826c943de121032c8734044dbb7a5d378c9544bcad547001a362d9cd19.json b/chunks/json/8c1d54826c943de121032c8734044dbb7a5d378c9544bcad547001a362d9cd19.json new file mode 100644 index 0000000000000000000000000000000000000000..fa796cb9f1054d4e172535a8984705a827867df0 --- /dev/null +++ b/chunks/json/8c1d54826c943de121032c8734044dbb7a5d378c9544bcad547001a362d9cd19.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20342,"char_start":18642,"chunk_id":"chk_0f684c1a71fe524d","chunk_index":10,"chunk_sha256":"8c1d54826c943de121032c8734044dbb7a5d378c9544bcad547001a362d9cd19","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"8c1d54826c943de121032c8734044dbb7a5d378c9544bcad547001a362d9cd19","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"HF.008 AMC Reference\n\nID\n\nIf applicable when\nthere is an AMC\n\nFree-form\n\nA unique number or identifier assigned by the AMC.\nNote: If not applicable, AMC Reference ID does not display.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 10 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Subject Property\n\n01 Subject Property\n\nThe Subject Property section always displays, and provides overall information including the address and legal\ndescription.\n\nCompletion Report - Subject Property\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n01.001 Physical Address Always required\n\nAllowable\nAnswers / Format\n\nFree-form, in\nformat that\nconforms to\naddress standards\nin USPS\nPublication 28,\nPostal Addressing\nStandards\n\n01.002 County\n\nAlways required\n\nDefinition / Additional Guidance\n\nProperty Address: Physical address of the property.\nThe following address elements must be included:\n•\n\nStreet number and name (including pre-directional indicator, suffix, post-\ndirectional indicator)\nUnit number, if applicable:\n\n•\n\no\n\no\no\n\nFor condos, co-ops, and condops, only use the unit number if it\nis in the USPS address.\nDo not use unit number for 2- to 4-unit properties.\nIf the unit number is not applicable, leave it blank.\n\n•\n\nCity, state, and ZIP code\n\nExamples:\n•\n\nFor a single-family attached or detached property:\n\no\n\n123 Oak St, Anytown NY 11111\n\n•\n\nFor a high-rise condo, co-op, or condop:\n\no\n\n123 Oak St, Unit 101, Anytown NY 11111\n\nThe purpose of the address is to identify the location of the subject property. If\nthe subject property address has not been assigned through USPS, another\ndescriptive method for the address line (e.g., Lot and Block) must be provided\nto indicate the location.\n"} diff --git a/chunks/json/8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580.json b/chunks/json/8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580.json new file mode 100644 index 0000000000000000000000000000000000000000..40bb311bed1c6fda7868e835737492ecc0133129 --- /dev/null +++ b/chunks/json/8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6456,"char_start":4858,"chunk_id":"chk_7ea74fc9e661f0ec","chunk_index":3,"chunk_sha256":"8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"Square Feet of Gross Living Area Above Grade\n\nFloors 159\nWalls 160\nTrim/Finish 161\nBath Floor 162\nBath Wainscot 163\nCar Storage\n Driveway # of Cars 197\n 196\n\nNone\n 195\n\nDescribe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 219\n\nS\nU\nB\nJ\nE\nC\nT\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nS\nI\nT\nE\n\nI\nM\nP\nR\nO\nV\nE\nM\nE\nN\nT\nS\n\nAre there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe 222\n\n220\n\n221\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 225\n\n223\n\n224\n\nFreddie Mac Form 70H July 2020\n\n226\n\nPage 1 of 6\n\nFannie Mae Form 1004 Hybrid July 2020\n\n2\n\nThere are 5\nThere are 8\n\nFEATURE\n\nAddress 11\n\nUniform Residential Appraisal Report (Hybrid)\n\ncomparable properties currently offered for sale in the subject neighborhood ranging in price from $\n comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $\nCOMPARABLE SALE # 2\n45\n46a 46b 46c\n\nCOMPARABLE SALE # 1\n45\n46a 46b 46c\n\nSUBJECT\n\n6\n 9\n\nFile # 3\n to $\n\n4 4a\n 7\n\nto $\n\n10\n\nCOMPARABLE SALE # 3\n45\n46a 46b 46c\n\n+(-) $ Adjustment\n\n24\n\n22\n\n60\n\n62\n\n21\n\n66\n\n25\n\n47\n\n63\n\n61\n\n47\n\n51\n\n57\n\n59\n\n51\n\n62\n\n60\n\n53\n55\n\nsq. ft.\n\nsq. ft.\n\nsq. ft.\n\n$ 48\n\n$ 48\n\n$ 49\n\n$ 49\n\ne-25; e-2\n\ne-25; e-2\n\ne-5; e-6; e-7\n\ne-5; e-6; e-7\n\nDESCRIPTION\n\nDESCRIPTION\n\nDESCRIPTION\n\ne-14; e-15; e-16\n\ne-29; e-30; e-31\n\ne-29; e-30; e-31\n"} diff --git a/chunks/json/8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7.json b/chunks/json/8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7.json new file mode 100644 index 0000000000000000000000000000000000000000..1e04c2587cf364df500385d06b9ffa407bfc4001 --- /dev/null +++ b/chunks/json/8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":452254,"char_start":450645,"chunk_id":"chk_65eff9b6b43ec357","chunk_index":256,"chunk_sha256":"8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"20.1 Index + Margin\n20.2 Initial Interest Rate 4%\n20.3 /Maximum Interest Rate 12% Max\n20.3 Minimum/ Interest Rate\n20.4 Change Frequency –First Change Beginning of 61st\n\nmonth\n\n4.2.3 (1) Adjusts every 3 years1 starting in year #\n\n20.5 Change Frequency–Subsequent Change Every 36\n\nN/A\nN/A\n\nmonths after first change\n\n20.6 Limits on Interest Rate Changes – First Change\n20.7 Limits on Interest Rate Changes – Second Change\n\n1The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change\nthroughout the life of the loan (every 3 years after initial 5-year period).\n\nThe data points used to provide this information are shown in the table below. The Loan Terms table Form Field\nIDs have been included where applicable to help emphasize that the data points are provided only once in the\nXML file.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nTable 142. Adjustable Rate Mortgage\n\n…/INTEREST_RATE_A\nDJUSTMENT/INDEX_\nRULES/INDEX_RULE\n\n…/INTEREST_RATE_A\nDJUSTMENT/INTERE\nST_RATE_LIFETIME_\nADJUSTMENT_RULE\n\n20.1\n\nIndex + Margin\n\n20.3 |\n4.2.3(2)\n\nMinimum/ Maximum\nInterest Rate\n\n20.4 |\n4.2(1)\n\nChange Frequency-\nFirst Change\n\n20.3 Minimum/ Maximum\nInterest Rate\n\n20.1\n\nIndex + Margin\n\nIndexType\n\nLIBOR\n\nROF a “LIBOR”\n\nCeilingRatePercent\n\n12.0000\n\nFirstRateChangeMon\nthsCount\n\n61\n\nROF as “12% Max”\non AIR Table\n\nRepresented as\n“Beginning of 61st\nmonth” on AIR Table\n\nFloorRatePercent\n\n2.5000\n\nROF as “2.5% Min”\n\nMarginRatePercent 2.5000\n\nROF as “2.5%”\n\nAppendix E: UCD Implementation Guide\n\nPage 210 of 254\n"} diff --git a/chunks/json/8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559.json b/chunks/json/8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559.json new file mode 100644 index 0000000000000000000000000000000000000000..7861c753315fed41a400a87cd3c5a4c1c03d889d --- /dev/null +++ b/chunks/json/8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15137,"char_start":13529,"chunk_id":"chk_ee46e6c92691ce96","chunk_index":11,"chunk_sha256":"8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":" The RELATIONSHIPS container as a child of a DEAL container links all the information for a\nDEAL/LOANS/LOAN, such as asset and liability information, to an individual borrowers under\nDEAL/PARTIES/PARTY container.\n\nThe MISMO Reference Model uses an XML specification called XLink to define data relationships in a\nMISMO message that are not naturally expressed by the MISMO container hierarchy. The full XLink\nstandard is defined by the W3C at http://www.w3.org/TR/xlink. At this time MISMO is only using a\nlimited set of the XLink attributes.\n\nOne of the XLink attributes, arcrole describes the type of relationship between source data and target\ndata. The XLink from attribute identifies the source data point or container. The XLink to attribute\nidentifies the target data point or container. The XLink label attribute is an identifier that is attached to\ndata point or container elements that will be used to express an arcrole relationship. The MISMO\nRELATIONSHIP container elements hold the XLink arcrole, from and to attributes that describe the\ndata relationships.\n\nIn the simplified example below, a CREDIT_RESPONSE has returned CREDIT_SCORE data for\nBORROWER parties in a loan DEAL. XLink label attributes are added to each CREDIT_SCORE\nelement and each PARTY element’s ROLE element. The MISMO RELATIONSHIP element identifies\nwhich credit score is associated with each borrower.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 10 of 29\n\nVersion 1.1\n\n___________ _ __ Rules for XLink Relationships\n\nDEAL\n RELATIONSHIPS\n\nRELATIONSHIP\n\nRELATIONSHIP\n\nRELATIONSHIP\n\nRELATIONSHIP\n\nRELATIONSHIP\n"} diff --git a/chunks/json/8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477.json b/chunks/json/8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477.json new file mode 100644 index 0000000000000000000000000000000000000000..12d4b85b8b49657d226fe978b62f7c1bb0e19635 --- /dev/null +++ b/chunks/json/8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18997,"char_start":17338,"chunk_id":"chk_997e0318edbf98f8","chunk_index":10,"chunk_sha256":"8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"Sandra L. Thompson, Director of FHFA, delivered [remarks](https://home.treasury.gov/system/files/231/Agenda-FLEC-Public-Meeting-Nov-2022.pdf) during the Financial Literacy Education Commission (FLEC) Public Meeting on November 17, 2022, which also touched upon climate.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, served as the keynote presenter for the September 30, 2022, Climate Adaptation Forum (CAF).\n\nSandra L. Thompson, Director of FHFA, addressed climate change during the National Association of Federally Insured Credit Unions (NAFCU)’s Congressional Caucus event in September 2022.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, addressed climate change in a podcast on climate change risk organized by the National Association of Federally Insured Credit Unions (NAFCU) in August 2022.\n\n[Remarks of Sandra L. Thompson, Director of FHFA, at Financial Stability Oversight Council Principals Meeting on July 28, 2022.](https://home.treasury.gov/system/files/256/FSOC_20220728_Minutes.pdf)\n\n[FHFA Acting Director Sandra L. Thompson's Statement on Climate Change on December 27, 2021](/news/statement/fhfa-acting-director-sandra-l.-thompsons-statement-on-climate-change).\n\n[Prepared Remarks of Sandra L. Thompson, Acting Director of FHFA, at Financial Stability Oversight Council Principals Meeting. on October 21, 2021](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-of-fhfa-at-financial-stability-oversight).\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n"} diff --git a/chunks/json/8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681.json b/chunks/json/8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681.json new file mode 100644 index 0000000000000000000000000000000000000000..d3bb4f859d5ca0146013293458ae21d850730a3a --- /dev/null +++ b/chunks/json/8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29401,"char_start":27802,"chunk_id":"chk_7ad2c0629dd1eef9","chunk_index":17,"chunk_sha256":"8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Sales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n456 Something Rd\nSomewhere, VA 12345\n\n35361 Place Rd\nSomewhere, VA 12345\n\n38243 Liberty Rd\nSomewhere, VA 12345\n\n35422 Peace Rd\nSomewhere, VA 12345\n\n0.40 Miles N\n\n$789,000\n\nSettled Sale\n\n—\n\n$770,000\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nNone\n\nNone\n\nThis is where the Dwelling\nFront photo would display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nAssessor Record | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nAnnual Ground Rent\n\nSite\n\nSite Size\n\n$799,900\n\nPending\n\n$765,000\n\nNo\n\n08/20/2019\n\n79\n\nDetached\n\nLeasehold\n\n$1,200\n\n0.9 Miles N\n\n$839,999\n\nSettled Sale\n\n—\n\n$810,000\n\n$0\n\n$0\n\n$0\n\nNo\n\n06/01/2019\n\n08/01/2019\n\n7\n\nDetached\n\nLeasehold\n\n$1,250\n\n0.56 Miles E\n\n$839,900\n\nSettled Sale\n\n—\n\n$820,000\n\n$0\n\n$0\n\n$0\n\nUnknown\n\n07/01/2018\n\n01/01/2019\n\n76\n\nDetached\n\nLeasehold\n\n$1,200\n\nUnknown\n\n04/01/2019\n\n08/01/2019\n\n94\n\nDetached\n\nLeasehold\n\n$1,000\n\n14,000 Sq. Ft.\n\n19,600 Sq. Ft.\n\n$(30,000)\n\n9,000 Sq. Ft.\n\n$30,000\n\n14,500 Sq. Ft.\n\nStreet Type | Surface\n\nLocal Road | Asphalt\n\nLocal Road\n| Asphalt\n\nLocal Road\n| Asphalt\n\nLocal Road |\nConcrete\n\nView | Range\n\nResidential | Full\n\nResidential | Full\n\nMountain | Full\n\n$(40,000)\n\nResidential | Full\n"} diff --git a/chunks/json/8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56.json b/chunks/json/8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56.json new file mode 100644 index 0000000000000000000000000000000000000000..45e50b8d37f653c866b5fcc520bf8c8ae8274457 --- /dev/null +++ b/chunks/json/8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29494,"char_start":27888,"chunk_id":"chk_1334c14b6eb18b88","chunk_index":17,"chunk_sha256":"8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Condition\n\nKitchen\n\nOverall Bathrooms\n\nQ4\n\nQ4\n\nQ3\n\nQ4\n\nFormica Countertops\n| Vinyl Floor\n\nSolid Surface Countertops\n| Tile Floor\n\nC1\n\nFully Updated\n\nFully Updated\n\nFormica Countertops\n| Vinyl Floor\n\nFormica Countertops\n| Vinyl Floor\n\nC4\n\nNot Updated\n\nNot Updated\n\nGranite Countertops\n| Tile Floor\n\nGranite Countertops\n| Tile Shower\n\nC4\n\nNot Updated\n\nNot Updated\n\nFormica Countertops\n| Vinyl Floor\n\nFormica Countertops\n| Vinyl Floor\n\nC4\n\nNot Updated\n\nNot Updated\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Detail\n\nQ4\n\nC1\n\nQ4\n\nC3\n\n$9,500\n\nQ4 $(10,000)\n\nC3\n\n$7,000\n\nQ4\n\nC3\n\n$17,000\n\nDeck | Deck\n\nDeck | Deck\n\nIndoor Fireplace - 1\n\nIndoor\nFireplace - 1\n\n—\n\n—\n\n$10,000\n\n$1,500\n\n—\n\n$10,000\n\nIndoor\nFireplace - 1\n\nDriveway | 5 | Gravel\nGarage | 2 | Detached\n700 Sq. Ft.\n\n$4,500\n\nDriveway | 5 | Gravel\nGarage | 1 | Attached\n\nDriveway | 5 | Gravel\nGarage | 2 | Detached\n\n$9,000\n\nDriveway | 5 | Gravel\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\nUnfinished Area\n\nOutbuilding Type\n\nFinished Area\n\nBaths - Half\n\nHeating\n\nUtilities\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\nBarn\n\n800 Sq. Ft.\n\nBarn\n\n$0\n\nShed\n\n$5,000\n\nWorkshop\n\n$(5,000)\n\n500 Sq. Ft.\n\n500 Sq. Ft.\n\n500 Sq. Ft.\n\nRec Room/Garage\n\nWorkshop $(10,000)\n\n—\n\n200 Sq. Ft.\n\n0\n\nNone\n\nElectricity\n\n—\n\n1,200 Sq. Ft.\n\n1\n\nYes\n\nElectricity | Sanitary\nSewer | Water\n\n$440,000\n\n$435,000\n"} diff --git a/chunks/json/8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7.json b/chunks/json/8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7.json new file mode 100644 index 0000000000000000000000000000000000000000..0259554e4359e5f224b5a8abe839bf1f78863bbb --- /dev/null +++ b/chunks/json/8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17817,"char_start":16189,"chunk_id":"chk_e7ee98b92b6f24a6","chunk_index":10,"chunk_sha256":"8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n2\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n\nFinish\nFinished\n\nArea\n1,190 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nNot Updated\n\nNot Updated\n\nTime Frame\n\nQuality Comment\n\nCondition Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit D)\n\nNone\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nThis is where the Unit D Bath 1 photo would display.\n\nThis is where the Unit D Bath 2 photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/8c9f24aff3d1a3242dd66206feb3c5c2771bc638386c984a94696182ef353df1.json b/chunks/json/8c9f24aff3d1a3242dd66206feb3c5c2771bc638386c984a94696182ef353df1.json new file mode 100644 index 0000000000000000000000000000000000000000..4660b5e939a22d52308cde9fdfc0efead6f193af --- /dev/null +++ b/chunks/json/8c9f24aff3d1a3242dd66206feb3c5c2771bc638386c984a94696182ef353df1.json @@ -0,0 +1 @@ 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diff --git a/chunks/json/8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110.json b/chunks/json/8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110.json new file mode 100644 index 0000000000000000000000000000000000000000..815b377ba8b2cbeadd7f62dd157a25accd7eba17 --- /dev/null +++ b/chunks/json/8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110.json @@ -0,0 +1 @@ +{"chunk":{"char_end":104285,"char_start":102674,"chunk_id":"chk_c259bcb48e7043a0","chunk_index":107,"chunk_sha256":"8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Left-hand side of page\n\n•\n\n•\n\n“Current or Relevant Listings” sets as TXR-B, TXR.\n\n“Data Source” sets as TXR-I, TXR.\n\nSubject Listing Information table\n\n• Set 8 equal column table x 45 picas, headings: (TCH) “Listing Status,” “Listing Type,” “Listing\nID,” “Start Date,” “End Date,” “DOM,” “Starting List Price,” “Current or Final Price” (~20\ncharacters max per line, per cell).\n\n• Content sets as TB.\n\n•\n\nLast row of table sets as 2 column TB_sub-H1-R “Total DOM” aligning left and right with “End\nDate” and “DOM” columns, respectively, in white type.\n\nSUBJECT LISTING INFORMATION TABLE\n\n•\n\n“Analysis of Subject Property Listing History” set as TXC-B (bold lead in to Myriad Pro Regular\ntext) X 45 picas\n\nSubject Listing Information Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Sales Contract” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Yes” “No” set as Y/N.\n\nAppendix E: Report Style Guide\n\nPage 57 of 90\n\nVersion 1.4\n\n•\n\n•\n\n“Is there a sales contract?” “Was sales contract information analyzed?” “Does this appear to\nbe an arm’s length transaction?” set as CK1.\n\n“Non-Arm’s Length Commentary” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X 22\npicas.\n\nRight-hand side of page\n\n•\n\n•\n\n“Contract Price,” “Contract Date,” “Transfer Terms,” “Personal Property Conveyed” set as\nTXR-B, TXR.\n\n“Personal property is not included in the appraiser’s final opinion of value” sets all italic TXC-\nI1.\n\nFinancial Sales Concessions (H1)\n\n“Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property” sets\nH1-TX, Italic flush right in gray bar.\n"} diff --git a/chunks/json/8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b.json b/chunks/json/8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b.json new file mode 100644 index 0000000000000000000000000000000000000000..62408c08472cb222270460986e1e21ed987b9695 --- /dev/null +++ b/chunks/json/8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22554,"char_start":20796,"chunk_id":"chk_161829831ffa7805","chunk_index":5,"chunk_sha256":"8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b","token_estimate":440,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"The GSEs are collecting UCD data because it:\n\n- Helps enhance credit risk management with more data and better-quality data.\n- Provides important information to help increase our ability to detect fraud and misrepresentation at loan delivery.\n- Lends additional transparency into the mortgage loan transaction file to help assess whether the loan, as closed, meets the GSE’s eligibility requirements.\n**2. Is the UCD Specification the same for both GSEs?**\n\nYes. Although the GSEs have implemented separate UCD collection solutions, both GSEs adhere to the guiding principles established under UMDP and are using the identical UCD Specification containing the same data points, enumerations, and conditionalities.\n\n**3. What data do the GSEs collect using the UCD?**\n\nThe data collected by the UCD includes, in MISMO v3.3.0299 schema order:\n\n- Data points supporting the CD form field data required by both GSEs. (Note that while UCD v1.5 specification (UCD v1.5) contains all data points supporting the entire CD, UCD v2.0 specification (UCD v2.0) contains only data actively used and required by the GSEs.)\n- Additional closing transaction supporting data points required to meet GSE business needs, for example: Qualified Mortgage (QM) data.\n- Data points needed to properly create the UCD XML file.\n- Data points enabling a PDF version of the CD to be embedded in the UCD XML file.\n**4. How do the GSEs collect the UCD?**\n\nThe GSEs have separate collection solution applications for UCD XML file submissions by Sellers. Support and training resources related to each unique collection solution are available on each GSE’s respective UCD webpages on FannieMae.com and FreddieMac.com. Resources to assist with the transition to UCD v2.0 are also available.\n"} diff --git a/chunks/json/8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8.json b/chunks/json/8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8.json new file mode 100644 index 0000000000000000000000000000000000000000..38ef611fae6b7698318c3f64103fc8b4c67a0c15 --- /dev/null +++ b/chunks/json/8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1791,"char_start":1758,"chunk_id":"chk_500668e9d6b53292","chunk_index":1,"chunk_sha256":"8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b8a999535ff3840d","text_sha256":"8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-july-20-2024a.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae 5.29.24 1 of 1\n"} diff --git a/chunks/json/8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0.json b/chunks/json/8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0.json new file mode 100644 index 0000000000000000000000000000000000000000..e3a2044a8f20153bc5dcb9e9d08193f84f25965b --- /dev/null +++ b/chunks/json/8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17015,"char_start":15056,"chunk_id":"chk_bf139eab4a51ca79","chunk_index":9,"chunk_sha256":"8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0","token_estimate":490,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the\nreporting requirements of this appraisal report form, including the following definition of market value, statement of\nassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual\ninspection of the interior and exterior areas of the subject unit, (2) inspect and analyze the condominium project, (3) inspect\nthe neighborhood, (4) inspect each of the comparable sales from at least the street, (5) research, verify, and analyze data\nfrom reliable public and/or private sources, and (6) report his or her analysis, opinions, and conclusions in this appraisal\nreport.\n\nINTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction.\n\nINTENDED USER: The intended user of this appraisal report is the lender/client.\n\nMARKET VALUE: The most probable price which a property should bring in a competitive and open market under all\nconditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not\naffected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of\ntitle from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well\ninformed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is\nallowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial\narrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by\nspecial or creative financing or sales concessions* granted by anyone associated with the sale.\n"} diff --git a/chunks/json/8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3.json b/chunks/json/8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3.json new file mode 100644 index 0000000000000000000000000000000000000000..f02c63b19e473eecefe0a76e54465798f712f6da --- /dev/null +++ b/chunks/json/8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17878,"char_start":17190,"chunk_id":"chk_0aa54f6267ec1a81","chunk_index":17,"chunk_sha256":"8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3","token_estimate":440,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"4.0(cid:22)(cid:21)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:22)(cid:21)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:22)(cid:23)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:22)(cid:23)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:22)(cid:28)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:22)(cid:28)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:24)(cid:28)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:24)(cid:28)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n\n4.0(cid:25)(cid:22)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:25)(cid:22)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)\n"} diff --git a/chunks/json/8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24.json b/chunks/json/8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24.json new file mode 100644 index 0000000000000000000000000000000000000000..e78ffe66a44f6cfa83fc3bf5a68bf1cd06d21209 --- /dev/null +++ b/chunks/json/8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24.json @@ -0,0 +1 @@ +{"chunk":{"char_end":72190,"char_start":71097,"chunk_id":"chk_5c70ac5f8a9f6393","chunk_index":75,"chunk_sha256":"8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24","token_estimate":407,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\nHF.001\n\nPage [Page] of [Pages]\n\nRevision History\n\nRevision Date\n27.000\n\nReconsideration of Value\n\nType\nDate\n\n27.003\n\n27.004\n\nURAR Section\n\n27.001\n\nDescription\n27.002\n\nResult\n\n27.005\n\nReconsideration of Value Commentary\n\n27.006\n\nAppraisal Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSupplemental Information\n\nSupplemental Information Exhibits\n\n(cid:21)(cid:27)(cid:17)(cid:19)(cid:19)(cid:19)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:27)(cid:17)(cid:19)(cid:19)(cid:19)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n"} diff --git a/chunks/json/8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c.json b/chunks/json/8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c.json new file mode 100644 index 0000000000000000000000000000000000000000..39a90795f40a8226277816e0570775ac0038fab3 --- /dev/null +++ b/chunks/json/8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5109,"char_start":3448,"chunk_id":"chk_0d96c944ff1dbaac","chunk_index":2,"chunk_sha256":"8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5b3e2e0d9256455b","text_sha256":"8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021.pdf"]},"text":"DU will no longer consider Non Parent\nRelative funds source type in the loan\napplication submission file.\n\nConditionality\nConditionality Statements\nImplementation Notes\n\nConditionality Statement\nImplementation Notes\n\nIf a borrower is Self-Employed\nwith ownership interest less than 25%, DU\nwill use gross monthly income types with\nrelationships, and will no longer use\nMonthly Income (Loss).\n\nAdditional DU Spec Updates\nThe DU Spec was updated to further align with DU in the Fannie Mae Integration and Production environments. These changes\nhave been implemented and are available for testing and use in the DU Integration and Production environments.\n\nHow will this affect my integrated system?\nIntegrated system(s), business processes and/or documentation should be updated to support the changes provided in the DU\nSpec and listed below.\n\n© 2021 Fannie Mae 08.20.21\n\n2 of 6\n\nUnique ID\n\nMISMO v3.4 Data Point Name\n\nDU Supported\nEnumerations\n\nUpdate(s)\n\nConditionality Statement\nLegacy Mapping Reference Removed\n\nConditionality Statement(s)\n\n4.0313\n\nIncomeTypeOtherDescription\n\n4.0130\n5.0045\n6.0222\n6.0053\n6.0104\n5.0239\n2.0228\n16.0041\n6.0040\n6.0041\n6.0042\n6.0223\n6.0050\n6.0045\n3.0098\n8.0056\n8.0067\n4.0294\n1.0019\n4.0289\n\nEmploymentStatusType\nAssetAccountIdentifier\nLiabilityTypeOtherDescription\nLiabilityAccountIdentifier\nExpenseTypeOtherDescription\nOwnedPropertyRentalIncomeNetAmount\nPropertyEstimatedValueAmount\nConstructionMethodTypeOtherDescription\nPartyRoleType\nFullName\nFullName\nLienPriorityType\nNoteAmount\nHELOCIndicator\nLoanMaturityPeriodType\nCounselingType\nCounselingType\nEmploymentClassificationType\nDependentAgeYearsCount\nEmploymentIncomeIndicator\n"} diff --git a/chunks/json/8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf.json b/chunks/json/8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf.json new file mode 100644 index 0000000000000000000000000000000000000000..88d5f6171a337e63733fe53f41fc8681d1ef5578 --- /dev/null +++ b/chunks/json/8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":76133,"char_start":74106,"chunk_id":"chk_27a595f715b92bf0","chunk_index":77,"chunk_sha256":"8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf","token_estimate":507,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.002\n\nAdditional Scope of Work\n\nAdditional Scope of Work cannot be contrary to the original Scope of Work.\n29.003\n\nIntended Use\n\n29.004\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\n29.005\n\nThe intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage\n(24 CFR § 200.145(b)).\n\n29.006\n\nAdditional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n29.007\n\nIntended User\n\n29.008\n\nThe intended user of this report is the lender/client.\n\n29.009\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nThe VA is also an intended user of this report.\n\n29.010\n\nAdditional Intended Users\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n29.011\n\nDefinition of Market Value\n\n29.012\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition\nis the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller\nare typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best\ninterest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of\nfinancial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special\nor creative financing or sales concessions* granted by anyone associated with the sale.\n"} diff --git a/chunks/json/8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f.json b/chunks/json/8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f.json new file mode 100644 index 0000000000000000000000000000000000000000..af720b626fa2c5bc54133374c2ba897a2a87f4ae --- /dev/null +++ b/chunks/json/8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":323300,"char_start":321468,"chunk_id":"chk_49327627e8be1368","chunk_index":185,"chunk_sha256":"8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f","token_estimate":458,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"SMARTDoc®\n\nNot an acronym. An electronic document created to conform to a specification standardized by MISMO. A\nSMARTDoc® can lock together data and presentation in such a way that it can be system-validated to\nguarantee the integrity of the document.\n\nSOFR\n\nTILA\n\nUCD\n\nUCDP\n\nSecured Overnight Financing Rate (a broad measure of the cost of borrowing cash overnight collateralized by\nTreasury securities used as the index for adjustable rate mortgages)\n\nTruth in Lending Act (Reg Z)\n\nUniform Closing Dataset (dataset developed and maintained by the GSEs as an initiative under UMDP)\n\nUniform Collateral Data Portal (a joint GSE appraisal and UAD collection point, managed by the GSE Approval\nCommittee (GAC) under UMDP)\n\nUMDP\n\nUniform Mortgage Data Program (established by FHFA directive dated February 26, 2010)\n\nUSDA\n\nUnited States Department of Agriculture (USDA Rural Development is a government housing agency)\n\nVA\n\nUnited States Department of Veterans Affairs (a government housing agency)\n\nXlink\n\nXML Linking Language – W3C. An XML markup language that provides methods for creating internal and\nexternal links within ML documents, and associating metadata with those links. This function has been\nremoved from UCD v2.0.\n\nXML File\n\nUCD v2.0 XML File\n\nXPath\n\nXML Path Language – W3C. A syntax for defining parts of an XML document. XPath uses path expressions to\nnavigate XML documents.\n\nUCD v2.0 Implementation Guide\n\n- 150 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix B. Potential Sign Conflicts – XML File Requirements\n\nAPPENDIX B. POTENTIAL SIGN CONFLICTS – XML FILE REQUIREMENTS\n\nThe presentation of the same amounts in different tables on the Closing Disclosure can make it difficult to determine what\nsign the value should take in the XML file. Provides guidance on what signs should be provided in the XML file.\n"} diff --git a/chunks/json/8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49.json b/chunks/json/8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49.json new file mode 100644 index 0000000000000000000000000000000000000000..a255a9043db060c53015d5fa3559cf9f0c14f534 --- /dev/null +++ b/chunks/json/8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49.json @@ -0,0 +1 @@ +{"chunk":{"char_end":92801,"char_start":91185,"chunk_id":"chk_e607a89a1cd9bbf2","chunk_index":86,"chunk_sha256":"8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49","token_estimate":404,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.050\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nAppraisal Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nUniform Residential Appraisal Report\n\nHF.001\n\nPage [Page] of [Pages]\n\n29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n\n29.051\n\nDescription of Prior Services:\n\n29.052\n\nAdditional Appraiser Certifications\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\n29.053\n\n29.054\n\nSupervisory Appraiser Certifications\n\n29.055\n\nThe Supervisory Appraiser certifies and agrees that:\n\n29.056\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\n29.057\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\n29.058\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"} diff --git a/chunks/json/8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613.json b/chunks/json/8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613.json new file mode 100644 index 0000000000000000000000000000000000000000..386b0e7c9256ecc0b8b1e1e4904bc60bb65b4c92 --- /dev/null +++ b/chunks/json/8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613.json @@ -0,0 +1 @@ +{"chunk":{"char_end":779024,"char_start":777674,"chunk_id":"chk_76c60fef07cdca4e","chunk_index":462,"chunk_sha256":"8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n"} diff --git a/chunks/json/8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c.json b/chunks/json/8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c.json new file mode 100644 index 0000000000000000000000000000000000000000..605ea68106d670bc8867553ae25645a534532c65 --- /dev/null +++ b/chunks/json/8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":959,"char_start":0,"chunk_id":"chk_3c48dec66ae34c0f","chunk_index":0,"chunk_sha256":"8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c","token_estimate":796,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"Standard ARM Plan Matrix\n\nContents\n\nMatrix Abbreviations ............................................................................................................................................................................................................................. 2\nColumn Heading Descriptions .............................................................................................................................................................................................................. 3\nStandard ARM Plan Matrix ................................................................................................................................................................................................................... 5\nProduct Names for Whole Loan ARM Plans in Pricing Execution – Whole Loan® .............................................................................................................................. 6\n"} diff --git a/chunks/json/8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3.json b/chunks/json/8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3.json new file mode 100644 index 0000000000000000000000000000000000000000..d8634e2c590d6fef5b42c03e8a343a1e673ab830 --- /dev/null +++ b/chunks/json/8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40872,"char_start":39212,"chunk_id":"chk_d75c65060ccaefa9","chunk_index":24,"chunk_sha256":"8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Driveway | 6\n\nSuperior\n\nSuperior\n\nSimilar\n\nCarport | 2\n\nSimilar\n\nSimilar\n\nInferior\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\n$1.01\n\n$875\n\n$875\n\n$1.07\n\n$925\n\nSimilar\n\n$0.98\n\n$800\n\n$0.95\n\n$1,000\n\nSimilar\n\nSuperior\n\n$0\n\n$0\n\n$1.07\n\n$925\n\n$1.44\n\n$1,300\n\n$0.95\n\n$1,200\n\nSimilar\n\nSuperior\n\nSuperior\n\n$900\n\n$800\n\n$900\n\n$925\n\n$900\n\n$850\n\n$925\n\nComparable Weight\n\nMost\n\nLess\n\nLess\n\nMost\n\nLess\n\nLess\n\nRental Analysis Commentary\n\nThis data and other rent comparable information gathered from discussions with landlords, owners, and property managers support\nestimated rents for the subject. Estimated rents have been based on the above rent survey as well as a rental survey of the general area.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 21 of 29\nPage 21 of 29\n\nRental Information (continued)\n\nRental Information Exhibits\n\nMap of Rental Comparables\n\nThis is where the Rental Comparable Map photo would display.\n\nComparable #1\n\nComparable #2\n\nThis is where the Rental Comparable 1 photo would display.\n\nThis is where the Rental Comparable 2 photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 22 of 29\nPage 22 of 29\n\nRental Information (continued)\n\nComparable #3\n\nComparable #4\n\nThis is where the Rental Comparable 3 photo would display.\n\nThis is where the Rental Comparable 4 photo would display.\n"} diff --git a/chunks/json/8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55.json b/chunks/json/8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55.json new file mode 100644 index 0000000000000000000000000000000000000000..4bad3ab7a8e1ad354e94b0654d7aa8d62709fe2b --- /dev/null +++ b/chunks/json/8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":115568,"char_start":113962,"chunk_id":"chk_be5e1f0f2f2247f7","chunk_index":64,"chunk_sha256":"8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"b. Controls the Choice of the ROLE Container\n\nThe V3.0 Reference Model includes containers for the key PARTIES that participate\nin loan transactions as children of the ROLE container. Not all values for\nPartyRoleType have a corresponding ROLE child container because no detailed\ndata points for that role have been identified. The current ROLE containers are\nshown below, with those included in ULDDS Appendix A shown in bold:\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 49 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nTable IV-8. PartyRoleType Values and ROLE Containers in the V3.0 Reference Model.\n\nPartyRoleType\n\nROLE Container\n\nPartyRoleType\n\nROLE Container\n\nAppraiser\n\nAPPRAISER\n\nNotary\n\nNOTARY\n\nAppraiserSupervisor\n\nAPPRAISER_SUPERVISOR\n\nNotePayTo\n\nAssignFrom\n\nAssignTo\n\nAttorney\n\nAuthorizedRepresentative\n\nBeneficialInterest\n\nBorrower\n\nBuilder\n\nClosingAgent\n\nCorrespondentLender\n\nCoSigner\n\nCustodianNotePayTo\n\nDeliverRescisionTo\n\nDocumentCustodian\n\neNoteController\n\nFloodCertificateProvider\n\nNotePayToRecipient\n\nOther\n\nPayee\n\nPAYEE\n\nPowerOfAttorney\n\nPOWER_OF_ATTORNEY\n\nBORROWER\n\nBUILDER\n\nCLOSING_AGENT\n\nPreparedBy\n\nPropertyOwner\n\nPropertySeller\n\nRealEstateAgent\n\nReceivingParty\n\nPROPERTY_OWNER\n\nPROPERTY_SELLER\n\nREAL_ESTATE_AGENT\n\nRegulatoryAgency\n\nREGULATORY_AGENCY\n\nRequestingParty\n\nRespondingParty\n\nRespondToParty\n\nReviewAppraiser\n\nServiceProvider\n\nREQUESTING_PARTY\n\nRESPONDING_PARTY\n\nREVIEW_APPRAISER\n\nFulfillmentParty\n\nFULFILLMENT_PARTY\n\nServicer\n\nSERVICER\n\nGrantee\n"} diff --git a/chunks/json/8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da.json b/chunks/json/8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da.json new file mode 100644 index 0000000000000000000000000000000000000000..726cced4a271ec9b5e4ce99e122c3cd9444b1ed7 --- /dev/null +++ b/chunks/json/8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13001,"char_start":11708,"chunk_id":"chk_ca6b3708811af5a6","chunk_index":7,"chunk_sha256":"8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"58\n\n+(-) $ Adjustment\n60\n62\n\n64\n\n66\n\n68\n\n70\n\n72\n74\n\n76\n\n78\n\n80\n\n82\n84\n86\n\n87\n\n91\n93\n95\n97\n99\n101\n103\n105\n\nDESCRIPTION\n59\ne-26; e-27; e-28\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\n67\n\n69\n\n71\n73\n\n75\n\ne-5; e-6; e-7\n\n79\n\n81\n\ne-17; 83\n\n85\n\nTotal Bdrms. Baths\n\n88\n\n89\n\n90\n\n92 sq. ft.\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n98\n\n100\n\n102\n\n104\n\n+(-) $ Adjustment\n60\n62\n\n64\n\n66\n\n68\n\n70\n\n72\n74\n\n76\n\n78\n\n80\n\n82\n84\n86\n\n87\n\n91\n93\n95\n97\n99\n101\n103\n105\n\nDESCRIPTION\n59\ne-26; e-27; e-28\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\n67\n\n69\n\n71\n73\n\n75\n\ne-5; e-6; e-7\n\n79\n\n81\n\ne-17; 83\n\n85\n\nTotal Bdrms. Baths\n\n88\n\n89\n\n90\n\n92 sq. ft.\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n98\n\n100\n\n102\n\n104\n\n+(-) $ Adjustment\n60\n62\n\n64\n\n66\n\n68\n\n70\n\n72\n74\n\n76\n\n78\n\n80\n\n82\n\n84\n\n86\n\n87\n\n91\n\n93\n\n95\n97\n\n99\n\n101\n\n103\n\n105\n\n107\n109\n111\n113\n$ 116\n\n$ 117\n\n106\n108\n110\n112\n + -\n115\n114\n\nNet Adj. 116a %\nGross Adj. 116b %\n\n107\n109\n111\n113\n$ 116\n\n$ 117\n\n106\n108\n110\n112\n + -\n115\n\n114\n\n107\n109\n111\n113\n$ 116\n\nNet Adj. 116a %\nGross Adj. 116b %\n\n$ 117\n\nIndicated Value by Sales Comparison Approach $ 119\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nEstimated Monthly Market Rent $ 120\nSummary of Income Approach (including support for market rent and GRM). 123\n\nX Gross Rent Multiplier 121\n\n= $ 122\n\nIndicated Value by Income Approach\n"} diff --git a/chunks/json/8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3.json b/chunks/json/8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3.json new file mode 100644 index 0000000000000000000000000000000000000000..fa16ef3e11237c06dbae4fb164b1ebbbd50777f2 --- /dev/null +++ b/chunks/json/8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":514927,"char_start":513263,"chunk_id":"chk_3e968b73f98defec","chunk_index":293,"chunk_sha256":"8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"legal limits to\nMichael Jones…\n\n…/EXTENSION/OTHER\n/gse:CLOSING_ADJUS\nTMENT_ITEM_PAID_T\nO/gse:LEGAL_ENTITY/\ngse:LEGAL_ENTITY_D\nETAIL\n\ngse:FullName\n\nMichael Jones\n\nROF as “to Michael\nJones”\n\n25. 2 | 25. 2. 1 K. TOT AL PAYOFFS AND PAYME NTS\n\nThe data points in the table below are used to provide the Payoffs and Payments table total, calculated as the\nsum of all disclosed line item amounts.\n\nTable 159. Total Payoffs and Payments\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n25.2 K. TOTAL PAYOFFS\n\nAND PAYMENTS\n\n.../INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY_DETAIL\n\nIntegratedDisclosure\nSectionType\n\nPayoffsAndPayments ROF as “K. TOTAL\n\nPAYOFFS AND\nPAYMENTS”\n\n25.2.1 K. TOTAL PAYOFFS\nAND PAYMENTS ($)\n\nIntegratedDisclosure\nSectionTotalAmount\n\n125857.00\n\nROF as\n“$125,857.00”\n\nFOR MORE I NFORMATI ON\n\n25.0: §1026.38(d)(2), (e), p. 80351; 38(t)(5)(vii)-B pp. 80129-30, 80056; Sample Form: H-25(F), p. 80194.\n\n25.1: §1026.38(t)(5) pp. 80129-30, 80056; §1026.37(h)(2)(iii)-1.\n\n25.2: §1026.38(t)(5) pp. 80129-30.\n\nAppendix E: UCD Implementation Guide\n\nPage 242 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nV. Consolidated Mapping Guidance\n\nV. CONSOLIDATED MAPPING GUIDANCE\n\nMost of the data points needed to populate the Closing Disclosure follow standard MISMO structure and\nmapping conventions. These mapping conventions apply regardless of the presence, number, or content of data\npopulating the form. This chapter provides an alphabetical overview of XML structure items that apply to a\nbroad range of Closing Disclosure sections or are key concepts that must be understood to generate properly\nformed XML.\n"} diff --git a/chunks/json/8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba.json b/chunks/json/8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba.json new file mode 100644 index 0000000000000000000000000000000000000000..b3199fe204bca3c32a9532e6e266dfe0fcead445 --- /dev/null +++ b/chunks/json/8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":91608,"char_start":89983,"chunk_id":"chk_b49240dba8c068af","chunk_index":50,"chunk_sha256":"8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"In addition to the same child containers that are required “AtClosing” for non-\nmodified loans, information about the modification itself will be included in a\nchild container called “MODIFICATION.”\n\nA minimal set of data will be delivered in the LOAN container with a\nLoanStateType of “AtClosing” for modified loans—data necessary to identify the\noriginal loan product and note terms. This data is a subset of the full complement\nof data submitted for non-modified loans.\n\nThe Current LOAN container also must be submitted with information about the\ndelivery transaction, subsequent loan servicing, and data that can be updated\nfollowing closing. Data in the Current LOAN container should be valid as of the\ndate of delivery to the GSE.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 38 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nFigure IV-9. LOAN Containers Required for Modified Loans.\n\nSubject Loan / At\nModification\n\nSubject Loan / At\nClosing\n\nData about the modified\nloan:\n Underwriting Data\n Product Derivation\n Product Features\n Note Terms\n Modification Information\n\nSubset of data about the\noriginal loan:\n Product Derivation\n Note Terms\n\nLoanStateDate =\nLoanModificationEffective\nDate\n\nLoanStateDate =\nNoteDate\n\nc. Converted Loans\n\nSubject Loan / Current\n\nData valid as of time it\nwas retrieved from\nsubmitter’s system:\n Current Balances,\n\nRates, Option Status,\nPayment Status\n\n MI and Credit\n\nEnhancements\n Escrow Details\n GSE Transaction\n\nDetails\n\n Program Identifiers, IFIs\n"} diff --git a/chunks/json/8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37.json b/chunks/json/8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37.json new file mode 100644 index 0000000000000000000000000000000000000000..3b9e392b3e9599e1a24bfdf1859a115266bc1539 --- /dev/null +++ b/chunks/json/8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37.json @@ -0,0 +1 @@ +{"chunk":{"char_end":256,"char_start":0,"chunk_id":"chk_3f57d96573b6f792","chunk_index":0,"chunk_sha256":"8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1042fd8ab42d28c2","text_sha256":"8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37","token_estimate":83,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Fannie_Mae___Developer_Portal_f9k7tv.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://developer.fanniemae.com/#/get-started/release-notes\"\ndate_accessed: \"2026-01-27T18:02:17.341Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-KK5S4VMW]* .grecaptcha-badge { display: none; }\n"} diff --git a/chunks/json/8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0.json b/chunks/json/8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0.json new file mode 100644 index 0000000000000000000000000000000000000000..5d93ff904c8d8d25fedc23093723b8b090e38a09 --- /dev/null +++ b/chunks/json/8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41338,"char_start":39525,"chunk_id":"chk_21f5a42ba188d7e8","chunk_index":23,"chunk_sha256":"8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0","token_estimate":453,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Assignment Information: Role - Significant Real Property Appraisal Assistance (Choose if applicable for the Contact)\n\nAllowable Answer\n\nSignificant Real Property\nAppraisal Assistance\n\nA person who does not meet all scope of work and certification requirements that provided significant assistance with the\ndevelopment of the Restricted Appraisal Update Report, as prescribed by Uniform Standards of Professional Appraisal\nPractice and Advisory Opinion. Selecting this answer does not allow this contact (person) to sign the report.\n\nDefinition / Additional Guidance\n\nContact Information: Significant Real Property Appraisal Assistance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n04.041 Name\n\nRequired for each\nperson providing\nsignificant real\nproperty appraisal\nassistance\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe full name of the person providing significant real property appraisal\nassistance.\nNote: At a minimum, first and last name must be provided.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 20 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nContact Information: Significant Real Property Appraisal Assistance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n04.042\n\nLevel\n\nRequired for each\nperson providing\nsignificant real\nproperty appraisal\nassistance\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nCredential Type\n•\n\nNone (includes noncredentialled appraiser trainees or jurisdictions that\ndon’t provide credentials to appraiser trainees)\nCertified General\nCertified Residential\nLicensed Residential\nTrainee Appraiser (appraiser trainees with an issued credential, also\nreferred to as Registered Trainee)\nOther (Describe)\n"} diff --git a/chunks/json/8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe.json b/chunks/json/8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe.json new file mode 100644 index 0000000000000000000000000000000000000000..326d8cab9582da35c908f35f4f557248275cd085 --- /dev/null +++ b/chunks/json/8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12203,"char_start":10391,"chunk_id":"chk_e029ed87b44583b7","chunk_index":6,"chunk_sha256":"8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_676030b0a9cff2d2","text_sha256":"8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe","token_estimate":498,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Rulemaking_and_Federal_Register___FHFA_llq98u.md"]},"text":"## Key Legislation\n\nKey legislation related to FHFA, the regulated entities and our predecessor agencies is detailed under **Key Legislation** on [Government](/government#KeyLegislation) page.\n\n## Code of Federal Regulations\n\ne-CFR is a regularly updated, unofficial editorial compilation of CFR material and Federal Register amendments produced by the National Archives and Records Administration's Office of the Federal Register and the Government Printing Office.\n\n**Title 12 - Banks and Banking** includes CFR materials for Federal Housing Finance Agency.\n\nFederal Housing Finance Agency - parts [1200-1299](https://www.ecfr.gov/current/title-12/chapter-XII)\n\nAdditionally, CFR materials for our predecessor agencies can be found:\n\n- Office of Federal Housing Enterprise Oversight - parts [1700-1799](https://www.ecfr.gov/current/title-12/chapter-XVII)\n\n- ## Rulemaking Links\n\n[Open for Comment or Input](/regulation/federal-register?comments=open)\n\n[Rules & Notices](/regulation/federal-register)\n\n[Unified Agenda](/regulation/federal-register/fhfa-unified-agenda)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed.json b/chunks/json/8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed.json new file mode 100644 index 0000000000000000000000000000000000000000..6ac92003cf579e2cbcef83ac23c0a9cdd1f54f31 --- /dev/null +++ b/chunks/json/8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":412820,"char_start":411058,"chunk_id":"chk_39422923ee8b22bf","chunk_index":323,"chunk_sha256":"8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed","token_estimate":441,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"▪ The Map of GRM Comparables may also be combined with other maps and displayed as one map in the Sales\n\nComparison Approach section.\n\nPage 322\n\nPhotos of GRM Comparables\n\nPhotos of the comparable properties are delivered in the instance of PROPERTY where @ValuationUseType (UID: 2000.0016, FID: Not on\nreport) = “GrossRentMultiplierComparable” and display in this subsection with the Comparable # - PropertyOrdinalNumber (UID: 1200.0028,\nFID: 24.008) in bold. The thumbnails from the Gross Rent Multiplier Comparables subsection (FID: 24.009.1) are redisplayed, in addition to\nany other comparable photos provided.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n•\n\nImages of comparable properties must be delivered using ImageCategoryType (UID: 1400.0870, FID: Not on report) =\n“PropertyPhoto”.\n\n• When a caption is provided in ImageCaptionCommentDescription (UID: 1400.0640, FID: 24.009.2), it displays above the image.\n• When a comparable property has multiple images with the ImageCategoryType = “PropertyPhoto” only one displays as the thumbnail\n\nin the Gross Rent Multiplier Comparables subsection (FID: 24.009.1).\n\nPage 323\n\nAdditional Exhibits\n\n• Any additional images provided for the Income Approach section must be delivered using ImageCategoryType (UID: 1400.0638, FID:\n\n24.027.1) = “IncomeApproachExhibit”.\n\n• An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 24.027.2), and displays above the\n\nimage in bold.\n\nIncome Approach – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the\nXML data, specific instances of data points or containers must be connected to properly represent the information.\n"} diff --git a/chunks/json/8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a.json b/chunks/json/8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a.json new file mode 100644 index 0000000000000000000000000000000000000000..600e8e47a1e18affa055019e4e574987079c88a0 --- /dev/null +++ b/chunks/json/8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15392,"char_start":13716,"chunk_id":"chk_72d9e3d079438b01","chunk_index":7,"chunk_sha256":"8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a","token_estimate":419,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"1 Section 304(j) of HMDA addresses Loan\nApplication Register (LAR) information and\ndescribes, among other things, the manner in which\nan applicant’s privacy interests are to be protected\nin response to a request for disclosure from the\npublic, including removal of the applicant’s name\nand identification number, the date of the\napplication, and the date of any determination by\nthe institution with respect to such application. In\naddition, the disclosure of information must ensure\nthat depository institutions are protected from\nliability under any Federal or State privacy laws.\n\n2 HERA also revised the Enterprises’ housing\ngoals for 2010 and subsequent years. FHFA will\nissue a subsequent Order, applicable to the PUDB\nfor 2010, that revises the applicable data fields in\nthe PUDB matrices to reflect HERA’s changes to the\nEnterprise housing goals.\n\n3 The release of the 2008 PUDB was delayed due\nto the transfer of authority to release the data to the\npublic from HUD to FHFA and technical and\noperational issues raised by the new HERA data\nreporting requirements.\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00043 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\n41182\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nidentifiers. For multifamily data, there\nare two separate files: a Census Tract\nFile that identifies the census tract\nlocation of the mortgaged properties;\nand a National File that does not\nidentify the location of the mortgaged\nproperties but contains mortgage-level\ndata and unit class-level data on all\nmultifamily properties.\n"} diff --git a/chunks/json/8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083.json b/chunks/json/8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083.json new file mode 100644 index 0000000000000000000000000000000000000000..c2385592a84dc376c18359bdc94209492a9680f2 --- /dev/null +++ b/chunks/json/8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53321,"char_start":51713,"chunk_id":"chk_a7108da6cea3928d","chunk_index":31,"chunk_sha256":"8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\n# of Bedrooms – Numeric to 2 digits, whole\nnumbers only\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n* FIELD IS LOCATED IN\nUNIT DESCRIPTION\nSECTION\n\nPage 28 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nSquare Feet of Gross Living Area Above\nGrade\nThe appraiser must enter the total square\nfootage of the above grade living area.\n\nReporting Format:\nSquare Feet of GLA – Numeric to 5 digits,\nwhole numbers only\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n* FIELD IS LOCATED IN\nUNIT DESCRIPTION\nSECTION\n\nPage 29 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 2055/2055\n\n• 1075*/466*\n\n*FIELD IS LOCATED IN\nUNIT DESCRIPTION\nSECTION\n\nDescribe the condition of the property\n(including needed repairs, deterioration,\nrenovations, remodeling, etc.)\n"} diff --git a/chunks/json/8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6.json b/chunks/json/8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6.json new file mode 100644 index 0000000000000000000000000000000000000000..08809d1ef67d27c0cf6b2fb9f1401d02054646ac --- /dev/null +++ b/chunks/json/8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1300907914,"char_start":0,"chunk_id":"chk_cead2401874802b4","chunk_index":0,"chunk_sha256":"8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6","date_utc":"2026-01-27T18:00:17+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_bdef8badee6cf021","text_sha256":"8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6","token_estimate":1000,"warnings":["source_path=ent_uad_puf_combined_csv_v2_1/_.csv/ent_uad_puf_v2_1.csv"]},"text":"record_id: 1600123026000 | year: 2016 | weight: 20 | state_fips_2010: 25 | state_fips_2020: NA | county_fips_2010: 25017 | county_fips_2020: NA | tract_fips_2010: 25017360200 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 1605000 | sales_range_low: 905000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: -66550 | average_adjustment: -67475 | adjusted_price: 1095000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 1.12 | reported_proximity: 1.15 | value_sale_comparison: 1105000 | value_cost: 1115000 | value_income: NA | appraised_value: 1105000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 2100277002000 | year: 2021 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47157 | county_fips_2020: NA | tract_fips_2010: 47157020820 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 305000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 375000 | sales_range_low: 305000 | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: 0 | average_adjustment: 3537 | adjusted_price: 325000 | number_comparables: 1 | same_tract_percent: 100 | calculated_proximity: 0.08 | reported_proximity: 0.08 | value_sale_comparison: 325000 | value_cost: 345000 | value_income: NA | appraised_value: 325000 | appraisal_to_contract: 107.3 | comparison_to_contract: 107.3 | dts_rural: 2\nrecord_id: 1300187770000 | year: 2013 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39145 | county_fips_2020: NA | tract_fips_2010: 39145003700 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 3 | sales_range_high: 215000 | sales_range_low: 185000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 5 | median_adjustment: -6130 | average_adjustment: -6197 | adjusted_price: 195000 | number_comparables: 1 | same_tract_percent: 0 | calculated_proximity: 4.42 | reported_proximity: 4.42 | value_sale_comparison: 195000 | value_cost: 185000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1\nrecord_id: 1300185773000 | year: 2013 | weight: 20 | state_fips_2010: 36 | state_fips_2020: NA | county_fips_2010: 36029 | county_fips_2020: NA | tract_fips_2010: 36029009104 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 115000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 135000 | sales_range_low: 115000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -800 | average_adjustment: -2067 | adjusted_price: 125000 | number_comparables: 1 | same_tract_percent: 33 | calculated_proximity: 0.73 | reported_proximity: 0.68 | value_sale_comparison: 125000 | value_cost: 125000 | value_income: NA | appraised_value: 125000 | appraisal_to_contract: 102.6 | comparison_to_contract: 102.6 | dts_rural: 2\nrecord_id: 1300045673000 | year: 2013 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26103 | county_fips_2020: NA | tract_fips_2010: 26103002800 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 115000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 105000 | sales_range_low: 95000 | updated_last_15_years: 1 | lot_size: 2 | quality: 5 | condition: 4 |\n"} diff --git a/chunks/json/8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f.json b/chunks/json/8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f.json new file mode 100644 index 0000000000000000000000000000000000000000..e6d085874fabeec684a94f48fec5155f6d7d2aad --- /dev/null +++ b/chunks/json/8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":292437,"char_start":290791,"chunk_id":"chk_e33a3dc73c0baf2c","chunk_index":172,"chunk_sha256":"8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n9.003\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nManufactured Home – ADUs - General Information\n\nAttached to\nPermanent\nFoundation\n\nAlways required\n\nYes | No\n\nIndicates whether the manufactured home is attached to a permanent\nfoundation.\n\n9.004\n\nTowing Hitch,\nWheels, Axels\nRemoved\n\nAlways required\n\nYes | No\n\nAlways required\n\nYes | No\n\n9.007\n\nHave there been\nany\nmodifications,\nattachments or\nadditions that\nhave altered or\nrely on the\noriginal\nstructure for\nsupport?\n\nNote: If the foundation area is readily accessible, a photo must be provided,\nwhich displays in Manufactured Home Exhibits. Provide a caption indicating\n“Foundation” and any other descriptive information as appropriate.\n\nIndicates whether the towing hitch, wheels, and axles have been removed from\nthe frame of the manufactured home creating a more permanent structure.\n\nIf No, reference published guidelines by the GSEs, government agencies, or\nother identified secondary market participants for specific guidance.\n\nStructural Modifications Exist: Indicates whether modifications, attachments, or\nadditions have been made that altered or rely upon the original dwelling for\nsupport.\n\nSelect No when the additions, such as an attached garage, were originally\ndesigned for the structure.\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\n9.008 Modification,\n\nAttachment, or\nAddition\n\nRequired if Structural\nModifications Exist is\nYes\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8.json b/chunks/json/8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8.json new file mode 100644 index 0000000000000000000000000000000000000000..99503e54bba4216f11c606b530ee60cb6fbafc95 --- /dev/null +++ b/chunks/json/8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21338,"char_start":18734,"chunk_id":"chk_63cdf026a88c6b1a","chunk_index":10,"chunk_sha256":"8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/12706\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b.json b/chunks/json/8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b.json new file mode 100644 index 0000000000000000000000000000000000000000..f8d93928e7fb6116de38a007f1484042994cc4c8 --- /dev/null +++ b/chunks/json/8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8577,"char_start":7065,"chunk_id":"chk_1b668a07d915d530","chunk_index":4,"chunk_sha256":"8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.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![Skyscaper in the background of suburban neighborhood](/sites/default/files/styles/desktop_hero/public/2025-10/pudb-hero.jpg.webp?itok=5QOtoJvZ)\n\n# Public Use Database\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Public Use Database\n\n## Datasets\n\n## Public Use Database – Fannie Mae and Freddie Mac (Enterprises)\n"} diff --git a/chunks/json/8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345.json b/chunks/json/8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345.json new file mode 100644 index 0000000000000000000000000000000000000000..a57739454b78b5ca2122a7a2b409eb79fe8a66f5 --- /dev/null +++ b/chunks/json/8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9320,"char_start":7095,"chunk_id":"chk_4d851098c40b96f9","chunk_index":4,"chunk_sha256":"8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d247cbfbdbb56cff","text_sha256":"8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345","token_estimate":555,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dodd_Frank_Act_Stress_Tests__DFAST____FHFA_s4da42.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# Dodd-Frank Act Stress Tests (DFAST)\n\nDodd-Frank Act stress testing is a forward-looking exercise that assesses the impact on capital levels that would result from immediate financial shocks and nine quarters of severely adverse economic conditions. FHFA requires Fannie Mae and Freddie Mac to submit the results of stress tests based on two scenarios: a Baseline scenario and a Severely Adverse scenario. FHFA aligned the stress test scenario variables and assumptions with those used by the Board of Governors of the Federal Reserve System in its annual Dodd-Frank Act stress tests. As of March 2020, according to the [Stress Testing of Regulated Entities Final Rule](/regulation/federal-register/final-rule/stress-testing-of-regulated-entities-0), the Federal Home Loan Banks are no longer required to conduct Dodd-Frank Act stress tests. As a prudential matter, FHFA expects the FHLBanks to continue to perform other stress tests (addressing market, credit, liquidity, and model risks) as outlined in FHFA's regulations and guidance.\n"} diff --git a/chunks/json/8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974.json b/chunks/json/8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974.json new file mode 100644 index 0000000000000000000000000000000000000000..0c8abd2d28d8a5ee10125e956c27a88ba5f7ad1f --- /dev/null +++ b/chunks/json/8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974.json @@ -0,0 +1 @@ +{"chunk":{"char_end":486549,"char_start":484944,"chunk_id":"chk_2bf2703a49aa1c3e","chunk_index":288,"chunk_sha256":"8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"21 Prior Sale and Transfer History\n\n21 Prior Sale and Transfer History\n\nThe Prior Sale and Transfer History section always displays and includes information and analysis regarding the\nrecent transfer history of the subject property, and of the comparables appearing in the Sales Comparison\nApproach section. This section provides space for analysis and exhibits.\n\nSubject Property for the Past Three Years / Comparables for Past Year\n\nThe appraiser must report on all prior sales or transfers (not the current sale) for:\n• Subject property for three years prior to the effective date of the appraisal, or longer if relevant.\n• Each comparable property in the Sales Comparison Approach:\n\no For the comparables, this section is for reporting sales that occurred within one year prior to the\n\nsale or listing reported in the Sales Comparison Approach. Do not repeat the same information that\nis already reported in the Sales Comparison Approach.\n\no Settled Sales: All sales or transfers 12 months prior to the comparable sale date as reported in the\n\nSales Comparison Approach.\n\no All other non-settled comparables (Active, Pending, or Off Market): All sales or transfers 12 months\n\nprior to the effective date of the appraisal.\n\nSubject Transfer History\n\nExample: Prior Sales for Subject Property\n\nExample: No Prior Sales for Subject Property\n\nAppendix F-1: URAR Reference Guide\n\nPage 207 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n21 Prior Sale and Transfer History\n\nPrior Sale and Transfer History: Subject Transfer History\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n"} diff --git a/chunks/json/8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8.json b/chunks/json/8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8.json new file mode 100644 index 0000000000000000000000000000000000000000..0469d1e0654990cda39682a908cb3e0f1cef30ce --- /dev/null +++ b/chunks/json/8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11675,"char_start":10074,"chunk_id":"chk_68dfcf2a126ce37c","chunk_index":6,"chunk_sha256":"8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"Full\n\nPond\n\nFull\n\nResidential\n\n23454 Sue Rd\n\nAnytown\n\n54321\n\nIL\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\nAttached\n\nGarage\n\n3\n\n0\n\nPropertyOwnershipTransferTerms\n\n0\n\nFinancingMethod\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n-12250\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n892750\n\nEast\n\nMost\n\nfalse\n\ntrue\n\n548\n\n3\n\n.12\n\n-12250\n\ntrue\n\ntrue\n\nImpactResistantGlass\n\nImpactResistantShingles\n\ntrue\n\nGold\n\nLEED\n\n500\n\nMonthly\n\nAssociationDues\n\nDwelling\n\n2018\n\nfalse\n\nNylon Short Loop and Engineered Wood\n\nFlooring\n\n9 Ft. | Custom\n\nWallsAndCeiling\n\n300\n\n1650\n\n1350\n\nfalse\n\n3\n\n2\n\n1\n\nC1\n\nQ3\n\n2\n\nMixture of Tile and Granite\n\nCommercial Grade Appliances\n\nKitchen\n\nCementBoard\n\nExteriorWallsAndTrim\n\nBasement\n\nFoundation\n\nComposition\n\nRoof\n\nC1\n\nQ3\n\n1\n\n360\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo2_Comp3.jpg\n\nimage/jpeg\n\n16\n\n899000\n\nSettledSale\n\n25.165176\n\n-51.328128\n\nGrammy Gold\n\nClubhouse\n\nClubMembership\n\nGatedCommunity\n\nIngroundPool\n\nOther\n\nSnow Removal\n\nTrashRemoval\n\nCondominium\n\nGrammy Gold\n\nPatio\n\nPorch\n\nOutdoorLiving\n\n2\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC1\n\nQ3\n\nfalse\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\nfalse\n\n2018-03-16\n\n2018-04-30\n\n905000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\nOther\n\nGated Community\n\nGolfCourse\n\n14300\n\nFull\n\nGolfCourse\n\nFull\n\nResidential\n\n23412 Josephine St\n\nAnytown\n\n54321\n\nIL\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\nAttached\n\nGarage\n\n3\n\n0\n\nSiteSize\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n-2000\n"} diff --git a/chunks/json/8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361.json b/chunks/json/8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361.json new file mode 100644 index 0000000000000000000000000000000000000000..a106aa101af51d5d78be3bbd728e7c01c779047f --- /dev/null +++ b/chunks/json/8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4877,"char_start":3272,"chunk_id":"chk_71b047dae62dc872","chunk_index":2,"chunk_sha256":"8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"HDR-L\n\nH2\n\nSupervisory Appraiser\n\nTXR-I\n\nTXR-I\nTX-B\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nH2\n\nSignificant Real Property Appraisal Assistance\n\nTXR-I\n\nName\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nCredentials\n\nTX-B\nTXR-I\n\nLevel\nID\nState\nExpires\n\nTXR-I\nTXR-B\n\nTXR-B\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nTX-B\nTXR-I\n\nTXR-I\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nTXC-B\n\nDescription\n\nAssignment Information and Scope of Work Commentary\n\nH1\nTXC\n\nFTR-L\n\nFTR-R\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\nHDR-L\n\nH1\n\nScope of Work\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXC\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\nH2\n\nAdditional Scope of Work\n"} diff --git a/chunks/json/8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3.json b/chunks/json/8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3.json new file mode 100644 index 0000000000000000000000000000000000000000..057a145a4a8971acd1ca4da005159bc366b99cb1 --- /dev/null +++ b/chunks/json/8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":66200,"char_start":64600,"chunk_id":"chk_3d6db20e3285803a","chunk_index":39,"chunk_sha256":"8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"23\n\nSUBJECT\n\nSpecial Assessments $\n\nProperty Tax Total\nSpecial Tax Amount\n\nThe total of all of the property's\nspecial real estate taxes for this tax\nyear (Property Tax Year Identifier)\nacross all tax jurisdictions and\nauthorities. This is the amount\nassessed for the tax year, not the\namount paid. (see Property Tax\nSpecial).\n\n/VALUATION_RESPONSE/PROPERTY/_TA\nX/@_TotalSpecialTaxAmount\n\n10\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only. If there are no special assessments applicable to the\nsubject property, the appraiser should enter zero (0) in this data field.\n\n24\n\nSUBJECT\n\nPUD\n\nProject Classification\nType\n\nSpecifies a class of supplementary\ninformation that is provided for the\nproject, based on the ownership,\ndevelopment, and usage of common\nproperty.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_EXTENSION/\nPROPERTY_EXTENSION_SECTION[@Exten\nsionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/PROPERTY_EXTENSION_SECT\nION_DATA/PROPERTY_TYPE/@GSE_PUDI\nndicator\n\nSUBJECT\n\nHOA $\n\nProject Per Unit Fee\nAmount\n\nThe amount charged to each unit by\nthe project management.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/_PER_UNIT_FEE/@_Amount\n\nSUBJECT\n\nHOA $\nPer Year\n\nProject Per Unit Fee\nPeriod Type\n\nSpecifies the period about which the\nfees per unit apply.\n\nSUBJECT\n\nHOA $\nPer Month\n\nProject Per Unit Fee\nPeriod Type\n\nSpecifies the period about which the\nfees per unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/_PER_UNIT_FEE[@_PeriodType='Annu\nally']\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/_PER_UNIT_FEE[@_PeriodType='Mont\nhly']\n\nSUBJECT\n\nSUBJECT\n\nSUBJECT\n\nSUBJECT\n"} diff --git a/chunks/json/8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe.json b/chunks/json/8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe.json new file mode 100644 index 0000000000000000000000000000000000000000..6d49e96d312b885c386089776068d30c284ae1d1 --- /dev/null +++ b/chunks/json/8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1772,"char_start":1697,"chunk_id":"chk_f4cf5396b7382d40","chunk_index":1,"chunk_sha256":"8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_72d8400e8c8a1b38","text_sha256":"8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe","token_estimate":19,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucdp-change-notification-april-9-2020.pdf","below_target_min_tokens"]},"text":"Fannie Mae UCDP web page for more information.\n\n© 2020 Fannie Mae.\n\n1 of 1\n"} diff --git a/chunks/json/8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46.json b/chunks/json/8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46.json new file mode 100644 index 0000000000000000000000000000000000000000..5324da2f41402b2f6898d63b4fd761bb71e619b5 --- /dev/null +++ b/chunks/json/8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46.json @@ -0,0 +1 @@ +{"chunk":{"char_end":237192,"char_start":235586,"chunk_id":"chk_87426401f41905f8","chunk_index":219,"chunk_sha256":"8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Always display\n\n0500.0008\n\nManufacturedHomeHitchWheelsAxlesRemov\nedIndicator\n\nAlways display\n\n0500.0044 ManufacturedHomeWidthType\n\nAlways display\n\n0500.0030 SkirtingExistsIndicator\n\n0500.0039 SkirtingMaterialType\n\nWhen “true” do not display (display skirting\nmaterial instead)\nDisplay when SkirtingExistsIndicator = “true”\nIf there are multiple, display as stacked.\n\nAlways display\n\nAlways display\n\nNA\n\nNA\n\nNA\n\n0500.0020 ManufacturedHomeModificationIndicator\n\nCheckbox always displays\n\nCheckbox always displays\n\n9.001\n\nYear Installed\n\n9.002\n\n9.003\n\n9.004\n\n9.005\n\nMoved Since Original\nInstallation\nAttached to\nPermanent\nFoundation\nTowing Hitch,\nWheels, Axles\nRemoved\nManufactured Home\nWidth\n\n9.006\n\nSkirting\n\n9.007\n\nHave there been any\nmodifications,\nattachments, or\nadditions that rely on\nor have altered the\noriginal structure for\nsupport?\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nManufactured Home\n\nPage 172\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n9.008\n\n9.009\n\nModification,\nAttachment, or\nAddition\n\nDescription of\nModification,\nAttachment, or\nAddition\n\nHUD Data Plate\n\n0500.0035 ManufacturedHomeModificationType\n\n0500.0019 ManufacturedHomeModificationsDescription\n\n9.010\n\n9.011\n\nHUD Data Plate\nAttached\nDate of Manufacture 0500.0016 ManufacturedHomeManufactureDate\n\nManufacturedHomeHUDDataPlateAttachedI\nndicator\n\n0500.0010\n\n9.012\n\nSerial Number\n\n0500.0027 ManufacturedHomeSerialNumberIdentifier\n\n9.013\n\nHUD Wind Zone\n\n0500.0033 WindZoneCode\n\n9.014\n\nHUD Thermal Zone\n\n0500.0031 ThermalZoneCode\n\n9.015\n\nHUD Roof Load Zone\n\n0500.0028 RoofLoadZoneCode\n\nDisplay Rules\n"} diff --git a/chunks/json/8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf.json b/chunks/json/8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf.json new file mode 100644 index 0000000000000000000000000000000000000000..200578fbb5dfb3ed31d0a61f6c8ce9589b5fafa2 --- /dev/null +++ b/chunks/json/8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14288,"char_start":13490,"chunk_id":"chk_e24b82f4fb588c40","chunk_index":13,"chunk_sha256":"8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf","token_estimate":451,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"4.0(cid:23)(cid:28)\n\n4.0(cid:24)(cid:22)\n\n4.0(cid:24)(cid:26)\n\n4.0(cid:25)(cid:20)\n\n4.0(cid:25)(cid:24)\n\nDwelling/Improvement within\nUtility Easement\n\n4.0(cid:25)(cid:27)\n\nPrivate Utility\nImpact\n4.0(cid:26)(cid:22)\n\n4.0(cid:26)(cid:28)\n\n4.0(cid:27)(cid:24)\n\n4.0(cid:28)(cid:20)\n\n4.0(cid:28)(cid:26)\n\nComment\n4.0(cid:26)(cid:23)\n\n4.0(cid:27)(cid:19)\n\n4.0(cid:27)(cid:25)\n\n4.0(cid:28)(cid:21)\n\n4.0(cid:28)(cid:27)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1)\n"} diff --git a/chunks/json/8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75.json b/chunks/json/8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75.json new file mode 100644 index 0000000000000000000000000000000000000000..e5d6aad5e7c555ebc21737cddb65908d0a4a0bc4 --- /dev/null +++ b/chunks/json/8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12722,"char_start":11030,"chunk_id":"chk_c2eb380c201c775c","chunk_index":4,"chunk_sha256":"8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"multi-section) as the primary dwelling with a single ADU classified as real property.\n\n• Multiple ADUs for MH Advantage: Extends eligibility to MH Advantage (single-section or multi-section)\nas the primary dwelling, to include ADUs provided the number of dwelling units plus the ADUs (must all\nbe classified as real property) does not exceed four.\n\nTwo- to Four-Unit and Multi-story Manufactured Home Eligibility:\n\n• Manufactured Home (MH): Extends eligibility to two- to four-unit properties.\n• Multi-story Manufactured Home: Extends eligibility to multi-story manufactured homes.\n\nRefer to the Selling Guide Announcement SEL-2025-10 for list of impacted topics.\n\nSelling Guide UAD 3.6 Policy Supplement Updates\n\nThe chart below outlines the Selling Guide topics in the existing Selling Guide as they relate to the supplement topics\nin the UAD 3.6 Policy Supplement. Use the hyperlinks to connect to specific policy for UAD 3.6; refer to the existing\nSelling Guide Subpart B4, Underwriting Property for UAD 2.6 policy. Topic numbers may change when the Selling\nGuide is updated once the UAD 3.6 and Forms Redesign transition is complete.\nNote: Bolded titles in the table indicate a change in name.\n\nSelling Guide Topic Name\n(UAD 2.6)\n\nSupplement Topic Name for Limited Production\nPeriod\n(UAD 3.6)\n\nB2-3-01, General Property Eligibility (12/10/2025)\n\nSB2-3-01, General Property Eligibility (12/10/2025)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 5 of 166\n\nUAD 3.6 Policy\n\nB2-3-02, Special Property Eligibility and\nUnderwriting Considerations: Factory-Built\nHousing (12/10/2025)\n\nB2-3-03, Special Property Eligibility and\nUnderwriting Considerations: Leasehold Estates\n(06/04/2025)\n"} diff --git a/chunks/json/8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443.json b/chunks/json/8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443.json new file mode 100644 index 0000000000000000000000000000000000000000..4b3d640ec79d09b07f591917aebfee8dcc7e05a6 --- /dev/null +++ b/chunks/json/8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443.json @@ -0,0 +1 @@ +{"chunk":{"char_end":362670,"char_start":361058,"chunk_id":"chk_0ad42f7d8a41b184","chunk_index":201,"chunk_sha256":"8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"1078\n\nProject Eligibility Review Service Document\nChecklist - Co-op Projects\n\nChecklist confirming all required co-op documents have\nbeen provided (see below).\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 141 of 166\n\nUAD 3.6 Policy\n\nForm\n\nTitle\n\nDescription\n\n1079\n\nLimited or Shared Equity Co-op Worksheet\n\nRequires information for certain co-op projects.\n\n1081\n\nFinal Certification of Substantial Project\nCompletion\n\nLender certification that project is substantially\ncomplete; lender to document any exceptions or\nuncompleted.\n\nAdditional Requirements—For Newly Converted Non-Gut Rehabilitation Condo or Co-op Projects\n\nA non-gut rehabilitation refers to the renovation of a property that does not involve structural or functional changes, such as the\nreplacement of all HVAC and electrical components. Rather, the rehabilitation might include, for example, the replacement of\nappliances and carpeting.\n\nIn order for a newly converted non-gut rehabilitation condo or co-op project to receive project approval through the standard\nPERS process, the project must comply with the following requirements.\n\n✓\n\nLender Pre-PERS Submission Review Requirements – For Newly Converted Non-Gut Rehabilitation\nCondo or Co-op Projects\n\nThe project cannot be an ineligible project in accordance with Selling Guide B4-2.1-03, Ineligible Projects.\n\nFor condo projects—The condo project must comply with all requirements of the Full Review (as provided\nin Selling Guide B4-2.2-02, Full Review Process and B4-2.2-03, Full Review: Additional Eligibility\nRequirements for Units in New and Newly Converted Condo Projects).\n"} diff --git a/chunks/json/8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398.json b/chunks/json/8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398.json new file mode 100644 index 0000000000000000000000000000000000000000..93d3d3eda2b14bd59620316a4d63146d0f9accc5 --- /dev/null +++ b/chunks/json/8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398.json @@ -0,0 +1 @@ +{"chunk":{"char_end":531164,"char_start":529566,"chunk_id":"chk_7bd32a0330ec47af","chunk_index":315,"chunk_sha256":"8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Site\n\nReport\nField ID\n\n22.03.11\n22.03.38\n\nDrainage\n\nIf relevant\n\n22.03.12\n22.03.40\n\nSite\nCharacteristics\n\nIf relevant\n\nRequired when Site\nCharacteristic is\nDrainage, and the row\nis included in the sales\ncomparison grid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nSite\n•\n\n•\n\nSite\n•\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSite Characteristic\n(4.062) is Drainage\nSite Drainage\nReason 4.063\n\nYes\n22.03.39\n\n•\n•\n•\n•\n\nEvidence of Erosion\nImproper Grading\nStanding Water\nOther (Describe)\n\nSite Characteristic\n4.063\n\nYes\n22.03.41\n\nNone\nCoastal Barrier Resources System\nExcess Land\nLandlocked\nLandscaping\nRoad Frontage\nShape\nSoil Suitability\nSurplus Land\n\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Wetlands\n•\n•\n\nZero Lot Line\nOther (Describe)\n\nAny adjustments for Site Characteristics (other than Drainage or\nTopography) are made in this row. Additional context specific to the\nadjustment may be provided in Reconciliation of Sales Comparison\nApproach (22.16.01).\n\nAppendix F-1: URAR Reference Guide\n\nPage 230 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n"} diff --git a/chunks/json/8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6.json b/chunks/json/8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6.json new file mode 100644 index 0000000000000000000000000000000000000000..35539c65af0f176dee0114909b183a5657505387 --- /dev/null +++ b/chunks/json/8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":275250,"char_start":273499,"chunk_id":"chk_7bb70e6b3ee30f51","chunk_index":160,"chunk_sha256":"8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6","token_estimate":438,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Xpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\n352\n\n353\n\n354\n\n2\n\n2\n\n2\n\n92\n\n93\n\n94\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nGarage/Carport\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nPorch, Patio, Deck\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nPorch, Patio, Deck\nAdjustment\n\nSale Price\nAdjustment Amount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Car\nStorage']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Por\nchDeck']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Por\nchDeck']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/OTHER_FEATURE_ADJUSTMENT[@Prope\nrtyFeatureSequenceIdentifier='1']/@PropertyFeat\nureDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/OTHER_FEATURE_ADJUSTMENT[@Prope\nrtyFeatureSequenceIdentifier='1']/@PropertyFeat\nureAdjustmentAmount\n"} diff --git a/chunks/json/8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3.json b/chunks/json/8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3.json new file mode 100644 index 0000000000000000000000000000000000000000..b0af3d89e4082a35b70f7274b7561b82156f69e7 --- /dev/null +++ b/chunks/json/8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6896,"char_start":5215,"chunk_id":"chk_a6cca956c1c24cb9","chunk_index":3,"chunk_sha256":"8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_75d81a7076add137","text_sha256":"8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-sept-27-2025.pdf"]},"text":"Definition: The portion of the down payment\npaid by a third party as part of a shared\nequity agreement.\n\nAdded Implementation Notes for DU, CR, and\nEC:\n\nEnter the subsidized difference between the\nfair market value without restrictions and the\nsales price that is offered by an eligible party\nas part of a shared equity agreement.\n\nAdded valid value FTHBException in the\nImplementation Notes for DU, CR, and EC:\n\nFTHBException – This enumeration is used\ninform DU that at least one borrower on the\nloan is using the first-time homebuyer\nexception for a displaced homemaker or\nsingle parent.\n\n© 2025 Fannie Mae 8.8.25\n\n3 of 4\n\nUnique\nID\n15.001\n\nData Point Name\n\nDU Supported\nEnumeration(s)\n\nChange\n\nPropertyUsageTypeOtherDescription\n\nAdded new values of \"chattel\" and\n\"timeshare\" to the Implementation Notes for\nDU, CR and EC.\n\nWhen the property is commercial,\nmultifamily, land, a farm, chattel, or\ntimeshare enter the applicable description in\nthe PropertyUsageTypeOtherDescription (i.e.,\ncommercial, multifamily, land, farm, chattel,\ntimeshare).\n\nDU Specification Cardinality Update\n\nThe following items were updated with DU Specification Version 1.9.1. Refer to the updated specifications Cardinality tab for\nadditional details.\n\nCardinality Container\nDU:UNDERWRITING_VERIFIC\nATION\n\nCardinality min:max Change\n0:50\n\nIncreased the cardinality of the\ncontainer for DU, CR, and EC, FHA\nand VA.\n\nMISMO v3.4 XPath\nMESSAGE/DEAL_SETS/DEAL_\nSET/DEALS/DEAL/LOANS/LO\nAN/EXTENSION/OTHER/DU:L\nOAN_EXTENSION/DU:UNDER\nWRITING_VERIFICATIONS/DU\n:UNDERWRITING_VERIFICATI\nON\n\nRelease Support\n\nThe new DU messages will be implemented in the DU integration environment on or around Aug. 27, 2025.\n"} diff --git a/chunks/json/8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1.json b/chunks/json/8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1.json new file mode 100644 index 0000000000000000000000000000000000000000..4adb04ee845bf512da05cdc6d5e7ee0c26ab3b17 --- /dev/null +++ b/chunks/json/8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":640903,"char_start":639211,"chunk_id":"chk_017a549d81eea2fd","chunk_index":381,"chunk_sha256":"8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1","token_estimate":423,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other Real Property Rental Income\n\nThis subsection describes the other real property rental income associated with the subject property.\n\nExample 1: There is no other real property rental income.\n\nExample 2: There is other real property rental income, and the opinion of market income differs from the actual\nincome.\n\nAppendix F-1: URAR Reference Guide\n\nPage 283 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nRent Schedule: Actual Income – Other Real Property Rental Income\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n23.01.15 N/A\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n23.01.16 N/A\n\nRequired for each\nOther Income Type\n\nDollar amount\n\nDefinition / Additional Guidance\n\nOther Income Type\n•\n•\n\nNone (there is no other real property rental income)\nNon-Tenant Parking (open or covered parking spaces are rented or leased\nto someone other than the occupants of the property units)\nStorage\nOther (Describe)\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n\nRent Schedule\no\no\n\nActual Income (Monthly) 23.01.15\nOpinion of Market Income (Monthly) 23.01.22\n\nOnly select a valid value (other than None) if there is actual or market\nincome associated with it.\nIf there is other real property rental income (actual or market), provide a\ndescription and details in Rental Analysis Commentary 23.04.01.\n\nOther Actual Income\nNotes:\n•\n\nIf an Other Income Type is selected, the associated Other Actual Income\nand Other Market Income are both required.\nIf Other Income Type is None, Other Actual Income and Other Market\nIncome must be 0.\n"} diff --git a/chunks/json/8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d.json b/chunks/json/8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d.json new file mode 100644 index 0000000000000000000000000000000000000000..0bf02eea591f7f51065aa514a4c6faf59ad63e6f --- /dev/null +++ b/chunks/json/8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3461,"char_start":1858,"chunk_id":"chk_77a95d634b3566f5","chunk_index":1,"chunk_sha256":"8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"o Condition subject to repair – C4 (after repairs are completed)\no Based on As Is – C5 (current state condition)\n\n• Sales contract was analyzed and included concessions, the transfer terms were considered\n\ntypically motivated, and it appears to be an arm’s length transaction\n\n• Two defects have been identified: one subject to repair, one with no recommended action\n• Below grade exterior access is included as an additional row in the sales grid\n• The Sales Comparison Approach section includes Additional Properties Analyzed Not Used\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n123 FALLING TREE CT, TREEVILLE, VA 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$491,000\n\nMarket Value Condition\n\nSubject to Repair\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a\nhypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment\nresults.\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n09/20/2019\nPurchase\nBetty Borrower\nBob Borrower\nJane Doe\n$489,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAgatha Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n"} diff --git a/chunks/json/8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c.json b/chunks/json/8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c.json new file mode 100644 index 0000000000000000000000000000000000000000..ff29327ccd50410c6a4202b7cd7751c0e70f3092 --- /dev/null +++ b/chunks/json/8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":425767,"char_start":424016,"chunk_id":"chk_52f396329ef67eec","chunk_index":245,"chunk_sha256":"8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Signature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n09/20/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n10/10/2020\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nSingle Family Scenario 2 (SF2)\n\nIntroduction\n\nThis report was completed as a traditional appraisal for an attached end-unit townhouse located in a Planned\nUnit Development (PUD). It is within ¼ mile of a busy roadway, which has an adverse impact, and within\nthree blocks of a park, which has a beneficial impact.\n\nThe subject property contains five bedrooms, four full bathrooms, and one half bathroom throughout four\nseparate levels. It was built three years prior to the date on which the inspection took place for this report.\nThe interior is noted to have typical wear and tear throughout all rooms, while the kitchen has commercial\ngrade appliances and granite counter tops, and the bathrooms have ceramic tile and upgraded fixtures.\n\nThis appraisal was made subject to the following:\n•\n•\n\nPossible termite infestation on the exterior walls and trim (Subject to Inspection).\nThe water heater was not operational at the time of the inspection (Subject to Repair).\n\nThe subject property is currently under contract for $866,000 with the final opinion of market value being\n$880,000.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\no Lender (Client)\no AMC\no Licensed Residential Appraiser completed interior inspection\n\nConnected to public electricity, gas, sanitary sewer, and water\nConstruction Method: Site Built\nAttachment Type: Attached (End-Unit Townhouse)\nProperty Rights: Fee Simple\n"} diff --git a/chunks/json/8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a.json b/chunks/json/8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a.json new file mode 100644 index 0000000000000000000000000000000000000000..97ac06c013726da3bd9165338c86f488c92b0f2b --- /dev/null +++ b/chunks/json/8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11267,"char_start":9659,"chunk_id":"chk_881572c9efc996be","chunk_index":6,"chunk_sha256":"8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"The XYZ\n\nBalcony\n\nOutdoorLiving\n\n0\n\nAttached\n\n1\n\nfalse\n\n1\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\nNone\n\ntrue\n\nPartial\n\nSkyline\n\n300 Wilshire Blvd\n\nUnit\n\n400\n\nNowhere\n\n90021\n\nCA\n\n1\n\nSettledSale\n\nSuperior utility resulted in a higher sale price.\n\nfalse\n\nBedroomCount\n\nBathroomCount\n\n2019-08-01\n\nSale\n\n11004 Westwood Blvd\n\nUnit\n\n211\n\nNowhere\n\n90021\n\nCA\n\n2\n\nSettledSale\n\nLarger unit offering greater utility.\n\nfalse\n\nBathroomCount\n\nGrossLivingArea\n\n2019-08-15\n\nSale\n\n208 Midvale Ave\n\nUnit\n\n404\n\nNowhere\n\n90021\n\nCA\n\n3\n\nSettledSale\n\nSmaller unit offering less utility.\n\nfalse\n\nBathroomCount\n\nGrossLivingArea\n\n2019-08-20\n\nSale\n\n880 Kelton Ave\n\nUnit\n\n612\n\nNowhere\n\n90021\n\nCA\n\n4\n\nSettledSale\n\nWas listed as a \"fixer upper\" by the agent.\n\nfalse\n\nCondition\n\n2019-08-26\n\nSale\n\n11005 Westwood Blvd\n\nUnit\n\n822\n\nNowhere\n\n90021\n\nCA\n\n5\n\nSettledSale\n\nMuch larger unit that was recently renovated.\n\nfalse\n\nCondition\n\nGrossLivingArea\n\n2019-08-30\n\nSale\n\nJD5624946\n\nClient\n\nABCD1234098\n\nValuationSoftwareVendor\n\nA43219302\n\nManagementCompany\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nComp #1 was a model match within the subject building, and was relied upon the most to develop the final opinion of value. Since the subject project is subject to an ongoing special assessment, known details were provided within the grid, resulting in no measurable impact to value. Comp #3 is a competing unit within the subject's market segment, of similar utility. Comp #4 is a current listing of a very similar unit, but is from a project with a higher predominant value, warranting an approximately 5% adjustment.\n"} diff --git a/chunks/json/8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9.json b/chunks/json/8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9.json new file mode 100644 index 0000000000000000000000000000000000000000..ae66be8f4e20c77b961189f0b9739c6ab0377a6a --- /dev/null +++ b/chunks/json/8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16972,"char_start":14370,"chunk_id":"chk_c6506222088cb6a8","chunk_index":8,"chunk_sha256":"8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_01262f3c594c67e9","text_sha256":"8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/The_Ombudsman___FHFA_5mybwl.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/846\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554.json b/chunks/json/8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554.json new file mode 100644 index 0000000000000000000000000000000000000000..2df8c58c98b14232358778e01edf11b79585f31d --- /dev/null +++ b/chunks/json/8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554.json @@ -0,0 +1 @@ +{"chunk":{"char_end":402670,"char_start":400926,"chunk_id":"chk_18a187ab58fb8d1f","chunk_index":238,"chunk_sha256":"8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554","token_estimate":436,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"For the Subject Property Amenities section, choose Other and briefly describe\nthe location of the defect, damage, or deficiency.\n\nFree-form\n\nDescription of the defect, damage, or deficiency.\n\nYes | No\n\nIndicates whether the defect, damage, or deficiency affects the soundness and\n/ or structural integrity of the improvement.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nCompletion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or inspection)\n\nThe recommended action for the defect, damage, or deficiency.\n•\n•\n•\n•\nNote:\n•\n\nIf Completion, Inspection, or Repair is reported for any defect, damage, or\ndeficiency\n\no\n\no\n\nThe report must be made subject to the resolution of the item\n(Market Value Condition 26.009 cannot be As Is).\nIf Repair is selected, the estimated cost to repair may be\nprovided in the Reconciliation section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 170 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n14 Subject Property Amenities\n\nSubject Property Amenities Commentary\n\nReport\nField ID\n\n14.011\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSubject Property Amenities Commentary\n\nIf applicable\n\nFree-form\n\nSubject Property\nAmenities\nCommentary\n\nCommentary could include information pertinent to the Subject Property\nAmenities section that is not captured in the discrete data, or additional details\nto support the discrete data that is provided.\n\nSubject Property Amenities Exhibits\n\nAll photos or images related to the Subject Property Amenities section are displayed in the Subject Property\nAmenities Exhibits subsection. If there are no photos or images, this subsection does not display.\n"} diff --git a/chunks/json/8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e.json b/chunks/json/8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e.json new file mode 100644 index 0000000000000000000000000000000000000000..db2061ce5fb255e3a3f4bacae01a822176e490b9 --- /dev/null +++ b/chunks/json/8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":759573,"char_start":757860,"chunk_id":"chk_7439038ef050e7da","chunk_index":450,"chunk_sha256":"8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"NFIP Map Panel\nDate\n\nThe map effective date or the map revised\ndate shown on the NFIP map.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/@NFIPMapPan\nelDate\n\n125\n\nPROJECT SITE\n\nAre the utilities and off-site\nimprovements typical for the market\narea? Yes\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nUtilitiesAndOffSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='Y']\n\n126\n\nPROJECT SITE\n\nAre the utilities and off-site\nimprovements typical for the market\narea? No\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nUtilitiesAndOffSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='N']\n\n1\n\n20\n\n22\n\n10\n\n1\n\n1\n\nFormat\n\nBoolean\n\nString\n\nString\n\nDate/Time\n\nBoolean\n\nBoolean\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n127\n\nPROJECT SITE\n\nAre the utilities and off-site\nimprovements typical for the market\narea? If No, describe\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nUtilitiesAndOffSiteImprovementsConformToNeighborhood']/@_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n128\n\nPROJECT SITE\n\n129\n\nPROJECT SITE\n\n130\n\nPROJECT SITE\n\nPROJECT\nINFORMATION\n\nAre there any adverse site conditions or\nexternal factors (easements,\nencroachments, environmental\nconditions, land uses, etc.)? Yes\n"} diff --git a/chunks/json/8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab.json b/chunks/json/8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab.json new file mode 100644 index 0000000000000000000000000000000000000000..c62d216d20a0b7d1588eabf7c551b69b2b8b2f60 --- /dev/null +++ b/chunks/json/8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20487,"char_start":18960,"chunk_id":"chk_c661d2274f7520c8","chunk_index":12,"chunk_sha256":"8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"[Manufactured Housing Agenda, Transcript, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-manufactured-housing-and-tenant-protections)\n\n[Rural Housing Agenda, Transcript, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-rural-housing)\n\n---\n\n## **April 2022**\n\n## **FHFA and Ginnie Mae Public Listening Session**\n\nTopic: FHFA’s Re-Proposed Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Single-Family Seller/Servicers and Ginnie Mae’s Eligibility Requirements for Single-Family MBS Issuers\n\nDate: 4/25/2022\n\nTime: 1:00 PM - 3:00 PM\n\nLocation: Online Event\n\n[Agenda, Transcript, and Video](/news/videos/fhfa-and-ginnie-mae-public-listening-session-on-re-proposed-eligibility-requirements)\n\n---\n\n## **March 2022**\n\n## **Public Listening Session on Credit Score Models​​**\n\nDate: 3/1/2022\n\nTime: 2:00 PM - 4:00 PM\n\nLocation: Online Event\n\n[Agenda and Video](/news/videos/public-listening-session-on-credit-score-models)\n\n## **2021**\n\n## **October 2021**\n\n## **​FHFA Fall Econ Summit​​**\n\nDate: 10/26/2021\n\nTime: 9:00 AM - 12:15 PM\n\nLocation: Online Event\n\nTopic: Housing Supply and Implications for Affordable Housing\n\n[Agenda and Presentations](/news/public-engagements/econ-summit/fall-2021)\n\n---\n\n## **Using Accessory Dwelling Units to Increase Housing Supply​​**\n\nDate: 9/14/2021\n\nTime: 1:00 - 5:30 PM\n\nLocation: Online Event\n\n[Agenda, Transcript, Video, and Presentations](/news/videos/using-accessory-dwelling-units-to-increase-housing-supply)\n"} diff --git a/chunks/json/8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0.json b/chunks/json/8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0.json new file mode 100644 index 0000000000000000000000000000000000000000..985261fcf516cd1d93ec8d72830f28aa5821c389 --- /dev/null +++ b/chunks/json/8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":95493,"char_start":93892,"chunk_id":"chk_78c80f2bf0bee337","chunk_index":35,"chunk_sha256":"8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0\nContext\n\nMISMO v3.3 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n…/DOCUMENT/ABOU\nT_VERSIONS/ABOUT_\nVERSION\n\nAboutVersionIdentifi\ner\n\nRetrievable\n\n@IdentifierOwnerURI http://www.mismo.o\nrg/residential/2009/S\nMARTDocProfile\n\n0.011\n\nN/A - XML\n\nDataVersionIdentifier UCD Delivery\n\nSpecification n.m\n\n0.03\n\nN/A – XML\n\n…/DOCUMENT_CLAS\nS\n\nDocumentType\n\nOther\n\n0.046\n\nClosing Disclosure\n\nDocumentTypeOther\nDescription\n\nClosingDisclosure:Mo\ndelForm\n\n0.014\n\nN/A – XML\n\n…/DOCUMENT_CLAS\nSIFICATION_DETAIL\n\nDocumentFormIssuin\ngEntityNameType\n\nCFPB\n\n0.015\n\nN/A – XML\n\nDocumentFormIssuin\ngEntityVersionIdentifi\ner\n\n11-20-2013\n\n0.051\n\nN/A-XML\n\n…/DOCUMENT_CLAS\nSIFICATION_DETAIL/E\nXTENSION/OTHER\n\ngse:DocumentSignat\nureRequiredIndicator\n\nfalse | true\n\na. MAPPI NG GUIDANCE\n\n1. 0.1 The value “Other” must always be provided for DocumentType along with\n\nDocumentTypeOtherDescription with one of the four GSE accepted enumerations.\n\n2. See C. XML-Required Data Points for description of XML data points.\n\n3. See A. DOCUMENTATI ON CONVENT IONS for definitions of each column.\n\nAppendix E: UCD Implementation Guide\n\nPage 29 of 254\n\nVersion 1.4\n\n▪ Only acceptable\n\nvalue\n\n▪ Type of SMART\n\nDoc profile used\n\n▪ Only acceptable\n\nvalue\n\n▪ Source of SMART\n\nDoc profile\n▪ Attribute of\n\nAboutVersionIdent\nifier\n\n▪ Data specification\ngoverning the data\nand document\n▪ Implementers\n\nshould be using\nthe most recent\nspecification value\n\n▪ Only acceptable\n\nvalue\n\n▪ Identifies the\n\nClosing Disclosure\nformat\n\n▪\n\n▪ Only acceptable\n\nvalue\n\n▪ Source of the\n\nClosing Disclosure\n\n▪ Only acceptable\n\nvalue\n\n▪ Date the Closing\n"} diff --git a/chunks/json/8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745.json b/chunks/json/8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745.json new file mode 100644 index 0000000000000000000000000000000000000000..d84468f14ea3ac8585629486168ae507428fe876 --- /dev/null +++ b/chunks/json/8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745.json @@ -0,0 +1 @@ +{"chunk":{"char_end":305646,"char_start":303839,"chunk_id":"chk_a9217a0e81055c19","chunk_index":168,"chunk_sha256":"8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Non-Residential Use Appraisal Requirements for Mixed-Use Properties\n\nAn appraisal of a property with a non-residential use(s) must\n\n• provide a detailed description of the non-residential characteristics of the subject property;\n•\n\nindicate that the mixed use of the property is a legal, permissible use of the property under the local zoning\nrequirements;\nreport any adverse impact on marketability and market resistance to the non-residential use of the property; and\nreport the market value of the property based on the residential characteristics, rather than the business use or any\nspecial business-use modifications that were made.\n\n•\n•\n\nNon-Residential Use Reporting\n\nNon-residential use(s) are reported in the following areas of the Uniform Residential Appraisal Report (URAR):\n\n• When the site is not owned in common, then the type of non-residential use(s) and any non-residential use modifications\n\nis identified in the Site section under property use. Commentary on the nature of the non-residential use and\nmodifications, including the extent of the changes and whether they have an adverse impact on marketability as a\nresidential property must be included.\n\n• When the site is owned in common, then any non-residential use(s) in the subject unit is identified in the Unit Interior\n\nsection. In this case, the appraiser must indicate whether the live/work space is available within the residential unit and\ninclude the area used for non-residential purposes.\n\nWhen a non-residential use is identified within a condo or co-op project but not in the subject unit, it is identified in the Project\nInformation section under commercial space. The appraiser must include the estimated percentage of commercial space and\nwhether the impact of the commercial space is adverse, beneficial, or neutral.\n"} diff --git a/chunks/json/8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8.json b/chunks/json/8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8.json new file mode 100644 index 0000000000000000000000000000000000000000..09cde266bf1862e2945df5c740fab0c1760939da --- /dev/null +++ b/chunks/json/8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":80840,"char_start":80786,"chunk_id":"chk_941b11aca25ceab8","chunk_index":45,"chunk_sha256":"8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8","token_estimate":26,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf","below_target_min_tokens"]},"text":"w\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n"} diff --git a/chunks/json/8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221.json b/chunks/json/8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221.json new file mode 100644 index 0000000000000000000000000000000000000000..a7653ae5f0170d4fc4d7d91f029fdf50e17491be --- /dev/null +++ b/chunks/json/8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38820,"char_start":37197,"chunk_id":"chk_a929b05cba41419a","chunk_index":20,"chunk_sha256":"8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note that loans secured by MH Advantage properties are afforded a number of flexibilities over standard manufactured housing,\nincluding higher LTV ratios, standard mortgage insurance, reduced loan-level price adjustments, and the number of permitted ADUs.\nSee the Eligibility Matrix, Selling Guide B7-1-02, Mortgage Insurance Coverage Requirements, and Loan-Level Price Adjustment Matrix,\nrespectively, for additional information.\n\nModular, Prefabricated, Panelized, or Sectional Housing Eligibility\n\nModular Homes. Fannie Mae purchases loans secured by modular homes built in accordance with the International Residential\nCode administered by state agencies responsible for adopting and administering building code requirements for the state in\nwhich the modular home is installed.\n\nPrefabricated, Panelized, and Sectional Homes. Loans secured by prefabricated, panelized, or sectional housing are eligible for\npurchase. These properties do not have to satisfy HUD’s Federal Manufactured Home Construction and Safety Standards or the\nInternational Residential Codes that are adopted and administered by the state in which the home is installed. The home must\nconform to local building codes in the area in which it will be located.\n\nModular, Prefabricated, Panelized, or Sectional Housing Requirements\n\nFactory-built housing such as modular, prefabricated, panelized, or sectional housing is not considered manufactured housing\nand is eligible under the guidelines for one-unit properties. These types of properties must\n\n• be built of the same quality of materials as and assume the characteristics of site-built housing,\n"} diff --git a/chunks/json/8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30.json b/chunks/json/8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30.json new file mode 100644 index 0000000000000000000000000000000000000000..ff3ec50291ece1c03185b2f86b684c4b119666bd --- /dev/null +++ b/chunks/json/8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30.json @@ -0,0 +1 @@ +{"chunk":{"char_end":184340,"char_start":182697,"chunk_id":"chk_eccc83794636488f","chunk_index":107,"chunk_sha256":"8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by\nProperty Analysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='ConformsToNei\nghborhood']/@_Comment\n\n4000\n\nString\n\nOne and only one of fields 1-223, 1-224\n(Property Analysis Type =\n'ConformsToNeighborhood' and values of\nProperty Analysis Exists Indicator) should be\nindicated.\n\nOne and only one of fields 1-223, 1-224\n(Property Analysis Type =\n'ConformsToNeighborhood' and values of\nProperty Analysis Exists Indicator) should be\nindicated.\n\nThis field should be populated if field 1-224\n(Property Analysis Type =\n'ConformsToNeighborhood' and Property\nAnalysis Exists Indicator = 'N') is indicated.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field should contain a description if the property does not generally\nconform to the neighborhood (functional utility, style, condition, use,\nconstruction, use, etc).\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\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\n2\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_Title\nDescription\n\n50\n\nString\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n"} diff --git a/chunks/json/8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2.json b/chunks/json/8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2.json new file mode 100644 index 0000000000000000000000000000000000000000..a3342a9c9e9f9a707de856e47dc982d142cf73f7 --- /dev/null +++ b/chunks/json/8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":291268,"char_start":289606,"chunk_id":"chk_2737f51af9541912","chunk_index":170,"chunk_sha256":"8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Source\nDescription\n\nA free-form text field used to describe\nthe source of information.\n\nDate of Prior\nSale/Transfer SUBJECT\n\nGSE Prior Sale Date\n\nThe date of the prior sale of the\nsubject or comparable properties.\n\n377\n\n2\n\n115\n\nSALES\nCOMPARISON\nAPPROACH\n\nPrice of Prior\nSale/Transfer\nSUBJECT\n\nProperty Sales\nAmount\n\nThe sales price of the referenced\nproperty.\n\n378\n\n2\n\n116\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source (s)\nSUBJECT\n\nData Source\nDescription\n\nA free-form text field used to describe\nthe source of information.\n\n379\n\n2\n\n117\n\nSALES\nCOMPARISON\nAPPROACH\n\nEffective Date of Data\nSource (s)\nSUBJECT\n\nData Source Effective\nDate\n\nThe effective date of the source of\ninformation.\n\n380\n\n2\n\n118\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Prior\nSale/Transfer\nCOMPARABLE\n\nGSE Prior Sale Date\n\nThe date of the prior sale of the\nsubject or comparable properties.\n\n381\n\n2\n\n119\n\nSALES\nCOMPARISON\nAPPROACH\n\nPrice of Prior\nSale/Transfer\nCOMPARABLE\n\nProperty Sales\nAmount\n\nThe sales price of the referenced\nproperty.\n\n1\n\n1\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/COMPARABLE[@_HasPriorSalesIndicator='\nN']\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/COMPARABLE/@DataSourceDescription\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0’]/P\nRIOR_SALES/PRIOR_SALES_EXTENSION/\nPRIOR_SALES_EXTENSION_SECTION[@E\nxtensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET']/\nPRIOR_SALES_EXTENSION_SECTION_DA\nTA/PRIOR_SALE/@GSEPriorSaleDate\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/P\nRIOR_SALES/@PropertySalesAmount\n"} diff --git a/chunks/json/8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be.json b/chunks/json/8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be.json new file mode 100644 index 0000000000000000000000000000000000000000..2ff1e77bdc3a65d625c33589031b7e8b4742cbd1 --- /dev/null +++ b/chunks/json/8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17538,"char_start":15688,"chunk_id":"chk_74ab041a2636efee","chunk_index":8,"chunk_sha256":"8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be","token_estimate":463,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"We employ physical, technical, and administrative safeguards to maintain the security, confidentiality, and integrity of the information we collect on our website. To view a listing of our Privacy Impact Assessments for our electronic systems and collections, please visit our privacy page at [https://www.fhfa.gov/about/privacy/privacy-impact-assessment](https://www.fhfa.gov/about/privacy/privacy-impact-assessment).\n\nWhile you must provide certain information about yourself (*e.g.*, name, address, and email address) for a personal response to any incoming questions or comments to FHFA, we strongly recommend that you **DO NOT** include other personal information, especially your Social Security Number, mortgage loan numbers and amounts, or other financial account information.\n\n*For guidance on how to protect your Social Security Number visit the Social Security Administration's*[*website*](https://www.ssa.gov/)*.*\n\n## 5. E-Mail Policy\n\nYou may send us electronic mail (email) that contains your personal information, comment, question, or complaint. If you send us email, we may store your name, email address and other personal information in order to respond to you. With the exception of comments made specifically in response to a Request for Comments issued by FHFA for rulemaking purposes, we do not share your email with any other outside organizations except: (i) as set forth in our SORNs; (ii) for authorized law enforcement investigations; or (iii) with our regulated entities in order to assist in responding to complaints and inquiries. Comments made in response to a Request for Comments related to a rulemaking are public information and are posted on the website in the rulemaking section without change and will include any personal information you provide, such as your name, address, telephone number and email address.\n"} diff --git a/chunks/json/8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964.json b/chunks/json/8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964.json new file mode 100644 index 0000000000000000000000000000000000000000..ab996ec2875ce93f2c71997418de47010194098f --- /dev/null +++ b/chunks/json/8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964.json @@ -0,0 +1 @@ +{"chunk":{"char_end":102100,"char_start":100456,"chunk_id":"chk_6ca4de82f7c869ab","chunk_index":59,"chunk_sha256":"8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"My (our) opinion of the market value…\nThe appraiser must enter the value of the\nsubject property. The value of the subject\nproperty must match the appraised value of\nthe subject property in the Appraiser\nCertification section.\n\nReporting Format:\nMy (our) opinion of the market value… –\nCurrency, whole dollars only\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nPage 60 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1073 Hybrid/465H\n\nREQUIREMENT\n\n• 1073 Desktop/465D\n\nDate of Inspection and Effective Date of\nAppraisal\nThe appraiser must enter the date of the\ninspection, which is also the effective date of\nthe appraisal.\n\nReporting Format:\nDate of Inspection and Effective Date of\nAppraisal – mm/dd/yyyy\n\nAppraisal Assignment Type\nThe appraiser must select the type of\nassignment aligned with the applicable\nversion of scope of work/certification.\n\nHybrid\n\nDesktopAppraisal\n\nReporting Format:\nEnumerations are case sensitive, and\nappraiser can only select one of the values\nlisted above.\n"} diff --git a/chunks/json/8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3.json b/chunks/json/8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3.json new file mode 100644 index 0000000000000000000000000000000000000000..351227268b9dbca5e1b1bb577dff00416d983a48 --- /dev/null +++ b/chunks/json/8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":93867,"char_start":92262,"chunk_id":"chk_7c7098f3f1a52227","chunk_index":54,"chunk_sha256":"8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Net Adjustment is the sum of all adjustments.\nIf there are no adjustments, the net\nadjustment value must be zero (0).\n\nMy research did/did not reveal any prior\nsales or transfers…\nThe appraiser must select the appropriate\ncheckbox to indicate either ‘did’ or ‘did not’ for\nthis statement. Only one response is\npermitted for each statement.\n\nReporting Format:\nMy research did/did not reveal any prior sales\nor transfers of the subject property… –\nCheckbox designated with an ‘x’\nMy research did/did not reveal any prior sales\nor transfers of the comparable sales… –\nCheckbox designated with an ‘x’\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n*FIELDS ARE LOCATED\nIN PRIOR SALE\nHISTORY SECTION\n\nPage 55 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nDate of Prior Sale/Transfer\nThe appraiser must report the date(s) of prior\nsale(s) or transfer(s) of the subject property\nfor the three years prior to the effective date of\nthe appraisal. The appraiser must report the\ndate(s) of the prior sale(s) or transfer(s) of any\ncomparable property during the twelve\nmonths prior to its date of sale.\n"} diff --git a/chunks/json/8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2.json b/chunks/json/8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2.json new file mode 100644 index 0000000000000000000000000000000000000000..faf2c5bc0bdb64ad4cce9b625eb111ae9c09624b --- /dev/null +++ b/chunks/json/8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":167292,"char_start":165683,"chunk_id":"chk_ff6ac9b0b35c7595","chunk_index":177,"chunk_sha256":"8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 110\n\nOwnership Rights\n\nThe Ownership Rights subsection displays when the property is not in a cooperative. Below is an overview of the subsection. (Figure 3 - 2)\n\nReport\nField ID\n\nReport Label\n\nSubject Property: Ownership Rights\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\n3.019\n\nProperty Rights Appraised\n\n0100.0024\n\nPropertyEstateType\n\nDisplay when PropertyInProjectIndicator = \"false\" OR\nProjectLegalStructureType = \"Condominium\"\n\n3.020\n\n3.021\n\nCommunity Land Trust\n\n1500.0031\n\nCommunityLandTrustIndicator\n\nDisplay when PropertyEstateType = \"Leasehold\" or “Other”\n\nNative American Lands\n\n1500.0199\n\nNativeAmericanLandsType\n\nDisplay when NativeAmericanLandsIndicator = \"true\"\n\n3.022\n\nGround Rent Annual Amount\n\n0100.0028\n\nPropertyGroundLeaseAnnualAmount\n\n3.023\n\nRenewable\n\n0100.0030\n\nPropertyGroundLeaseRenewableIndicator\n\n3.024\n\nTerm\n\n0100.0031\n\nPropertyGroundLeaseTermYearsCount\n\n3.025\n\nExpires\n\n0100.0029\n\nPropertyGroundLeaseExpirationDate\n\nDisplay when PropertyEstateType = \"Leasehold\" AND\nLandOwnedInCommonIndicator = \"false\"\n\n- Display when PropertyGroundLeaseAnnualAmount > 0\n- Display when PropertyEstateType = \"Leasehold\" AND\n\nLandOwnedInCommonIndicator = \"false\"\nDisplay when GovernmentAgencyAppraisalIndicator = \"true\" AND\nPropertyGroundLeaseRenewableIndicator = \"true\"\n- Display when PropertyGroundLeaseAnnualAmount > 0\n- Display when PropertyEstateType = \"Leasehold\" AND\n\nLandOwnedInCommonIndicator = \"false\"\n\n3.026\n\n3.027\n\n3.028\n\nDescription of Ground Rent and\nImpact to Value/Marketability\n\n0100.0048\n\nPropertyGroundRentDescription\n\nDisplay when PropertyGroundLeaseAnnualAmount > 0\n"} diff --git a/chunks/json/8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426.json b/chunks/json/8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426.json new file mode 100644 index 0000000000000000000000000000000000000000..4ede0adfc226140b15b1ea31ccc57fed76724640 --- /dev/null +++ b/chunks/json/8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69694,"char_start":67978,"chunk_id":"chk_2dbdeb789cd24247","chunk_index":38,"chunk_sha256":"8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426","token_estimate":429,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"✓\n\nLender Requirements for Properties with Solar Panels that are Leased or Covered by a Power\nPurchase Agreement\n\nThe lender must obtain and review copies of the lease or power purchase agreement.\n\nThe monthly lease payment must be included in the DTI ratio calculation unless the lease is structured to\n\n• provide delivery of a specific amount of energy at a fixed payment during a given period, and\n\n• have a production guarantee that compensates the borrower on a prorated basis in the event the\n\nsolar panels fail to meet the energy output required for in the lease for that period.\n\nPayments under power purchase agreements where the payment is calculated solely based on the energy\nproduced may be excluded from the DTI ratio.\n\nThe value of the solar panels cannot be included in the appraised value of the property.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 31 of 166\n\nUAD 3.6 Policy\n\n✓\n\nLender Requirements for Properties with Solar Panels that are Leased or Covered by a Power\nPurchase Agreement\n\nThe value of the solar panels must not be included in the LTV ratio calculation, even if a precautionary UCC\nfiling is recorded because the documented lease or power purchase agreement status takes priority.\n\nNote: A “precautionary” UCC filing is one that lessors often file to put third parties on notice of their\nclaimed ownership interest in the property described in it. When the only property described in the UCC\nfiling as collateral is the solar equipment covered by the lease or power purchase agreement, and not the\nhome or underlying land, such a precautionary UCC filing is acceptable (and a minor impediment to title),\nas long as the loan is underwritten in accordance with this topic.\n"} diff --git a/chunks/json/8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46.json b/chunks/json/8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46.json new file mode 100644 index 0000000000000000000000000000000000000000..4f7f3a14f3bcfb82ccbed524d438439e1805e4c3 --- /dev/null +++ b/chunks/json/8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11408,"char_start":9760,"chunk_id":"chk_98633cea2ea023cb","chunk_index":6,"chunk_sha256":"8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Level 1 - Living Room\n\nThis is where the Dining Room photo would display.\n\nThis is where the Living Room photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nNumber of Parking Spaces\n3\n\nDetail\nConcrete\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nDriveway\n\nThis is where the Driveway photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 8 of 19\nPage 8 of 19\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nMaterial\nWood\n\nDetail\n168 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck\n\nThis is where the Deck photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe property has been well maintained and shows little sign of wear and tear.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nMarket\n\nMarket Area Boundary The subject’s market area is framed to the North by I-70, to the East by Main Street, to the South and West by George\nWashington Park.\n"} diff --git a/chunks/json/8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a.json b/chunks/json/8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a.json new file mode 100644 index 0000000000000000000000000000000000000000..c77ff1b27b6eea4c096eae6464a6ff5163cc6a58 --- /dev/null +++ b/chunks/json/8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":97148,"char_start":95517,"chunk_id":"chk_47b5b14c13a879bc","chunk_index":54,"chunk_sha256":"8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When using a lease agreement, the lease agreement amount must be supported by\n\n• URAR1 or\n•\n\nevidence the terms of the lease have gone into effect. Evidence must include a minimum of:\n\no\n\no\n\ntwo months consecutive bank statements or electronic transfers of rental payments for existing lease\nagreements, or\ncopies of the security deposit and first full month's rent check with proof of deposit for newly executed\nagreements.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 41 of 166\n\nUAD 3.6 Policy\nSee Treatment of the Income (or Loss) below for further instructions.\n\n1See General Requirements for Documenting Rental Income (Subject and Non-Subject Property) for exception to use a Single-Family Comparable Rent Schedule (Form 1007) containing the\n“Monthly Market Rent” amount.\n\nTreatment of the Income (or Loss)\n\nThe treatment and amount of monthly qualifying rental income (described above in Calculating Monthly Qualifying Rental Income\n(or Loss)) used in the calculation of the borrower's total debt-to-income ratio — varies depending on whether the borrower\noccupies the rental property as their principal residence.\n\nIf the rental income relates to the borrower’s principal residence:\n\n•\n\n•\n\nThe monthly qualifying rental income (as defined above) must be added to the borrower’s total monthly income. (The\nincome is not netted against the PITIA of the property.)\nThe full amount of the mortgage payment (PITIA) must be included in the borrower’s total monthly obligations when\ncalculating the debt-to-income ratio.\n\nIf the rental income (or loss) relates to a property other than the borrower's principal residence:\n"} diff --git a/chunks/json/8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755.json b/chunks/json/8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755.json new file mode 100644 index 0000000000000000000000000000000000000000..43e28cc3c2d4a541139986104a9f4a64ddb6165b --- /dev/null +++ b/chunks/json/8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755.json @@ -0,0 +1 @@ +{"chunk":{"char_end":227219,"char_start":225565,"chunk_id":"chk_30dae7c5baa638e8","chunk_index":128,"chunk_sha256":"8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n\nApplicationFee\n\n\n\n\n \n \n \n \n\n\n\nJohn Smith Appraisers Inc.\n\n\n\n\n \n \n \n\n2110.00\n Buyer\n false\n\n\n \n\n\n\n\n\n \n Other\n LenderAffiliate\n OriginationCharges\n true\n \n \n\n\n\n PestInspectionFee\n\n\n\nUCD v2.0 Implementation Guide\n\n- 98 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.\n\n\n \n \n \n \n\n\n\nPests Co.\n\n\n\n\n \n \n \n\n200.00\n Buyer\n false\n"} diff --git a/chunks/json/8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64.json b/chunks/json/8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64.json new file mode 100644 index 0000000000000000000000000000000000000000..9cc039a9480fdb692ed3b4ccceca80954b07b6b8 --- /dev/null +++ b/chunks/json/8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64.json @@ -0,0 +1 @@ +{"chunk":{"char_end":151361,"char_start":148870,"chunk_id":"chk_1bfe24b4ff3a1ffa","chunk_index":88,"chunk_sha256":"8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64","token_estimate":723,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates central cooling, a value of 'N' indicates the box is not\nchecked.\n\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\nAt least one of fields 1-171, 1-172, 1-173, 1-\n174 (values of Heating Type) should be\nindicated. If field 1-175 indicates 'None' then\nfields 1-171, 1-172, 1-173 should not be\nindicated.\nAt least one of fields 1-171, 1-172, 1-173, 1-\n174 (values of Heating Type) should be\nindicated. If field 1-175 indicates 'None' then\nfields 1-171, 1-172, 1-173 should not be\nindicated.\nAt least one of fields 1-171, 1-172, 1-173, 1-\n174 (values of Heating Type) should be\nindicated. If field 1-175 indicates 'None' then\nfields 1-171, 1-172, 1-173 should not be\nindicated.\nAt least one of fields 1-171, 1-172, 1-173, 1-\n174 (values of Heating Type) should be\nindicated. If field 1-175 indicates 'None' then\nfields 1-171, 1-172, 1-173 should not be\nindicated.\nThis field should be populated if and only if\nfields 1-174 (Heating Type = 'Other') is\nindicated.\nThis field should be populated if any of fields\n1-171, 1-172, 1-173, 1-174 (values of Heating\nType) is indicated and 'None' is not populated\nin field 1-175.\nAt least one of fields 1-177 (Cooling\nCentralized Indicator = 'Y'), 1-178 (Cooling\nIndividual Indicator = 'Y'), 1-179 (Cooling\nOther Indicator = 'Y') should be indicated. If\nfield 1-180 (Cooling Unit Description)\nindicates 'None' then fields 1-177 and 1-178\nshould not be indicated\n"} diff --git a/chunks/json/8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f.json b/chunks/json/8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f.json new file mode 100644 index 0000000000000000000000000000000000000000..bfbfb8ac21556831a9f525b8b74e7f4c7c1bcd9b --- /dev/null +++ b/chunks/json/8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":530253,"char_start":528629,"chunk_id":"chk_410c53cf13e25d7c","chunk_index":305,"chunk_sha256":"8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"SUMMARY\n\nOpinion of Market Value\n\n$775,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n09/08/2019\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\n$765,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAgatha Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC4\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n1\nLeasehold\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 2 of 22\nPage 2 of 22\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n"} diff --git a/chunks/json/8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17.json b/chunks/json/8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17.json new file mode 100644 index 0000000000000000000000000000000000000000..b3a5b83a40eb5f5e9d0105ffc0ba67ae44b84db6 --- /dev/null +++ b/chunks/json/8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33579,"char_start":31959,"chunk_id":"chk_6e5aa51c32c10906","chunk_index":17,"chunk_sha256":"8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Loans secured by existing manufactured homes are not eligible for purchase if the property has any of the\nfollowing:\n\n•\nincomplete items, such as a partially completed addition or renovation; or\n• defects, damages or deficiencies that affect soundness or structural integrity.\n\nThe loan is not eligible for purchase until the necessary work is completed.\n\nException:\n\nMinor items that do not affect the ability to obtain an occupancy permit — such as landscaping, a\ndriveway, or a walkway – may be excluded, provided all requirements and warranties for new or proposed\nconstruction are met, as outlined in SB4-1.2-05, Requirements for Verifying Completion and Postponed\nImprovements.\n\nManufactured homes that have an addition or have had a structural modification are eligible under certain\nconditions. If the state in which the property is located requires inspection by a state agency to approve\nmodifications to the property, then the lender is required to confirm that the property has met the\nrequirement. However, if the state does not have this requirement, then the structural modification must\nbe inspected and deemed structurally sound by a third party who is regulated by the state and is qualified\nto make the determination. In all cases, the satisfactory inspection report must be retained in the\nmortgage loan file.\n\nMH Advantage Property Eligibility Requirements\n\nMH Advantage is manufactured housing that is built to meet construction, architectural design, and energy efficiency standards\nthat are more consistent with site-built homes.\n\nExamples of the physical characteristics for MH Advantage include\n"} diff --git a/chunks/json/8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268.json b/chunks/json/8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268.json new file mode 100644 index 0000000000000000000000000000000000000000..ae2d7ced71bb07c48d44e8b5f9b36c86d370028c --- /dev/null +++ b/chunks/json/8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268.json @@ -0,0 +1 @@ +{"chunk":{"char_end":57045,"char_start":56319,"chunk_id":"chk_e030aab65fc6f988","chunk_index":89,"chunk_sha256":"8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268","token_estimate":567,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Prior Sales and Transfer History Exhibits .................................................................................................................................................................................. 272\n\nPrior Sales and Transfer History – Arcrole Relationships ......................................................................................................................................................... 272\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n22 Sales Comparison Approach ............................................................................................................................................................................................................ 275\n"} diff --git a/chunks/json/8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9.json b/chunks/json/8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9.json new file mode 100644 index 0000000000000000000000000000000000000000..81145150b6ac1ae5bc874fea5eabc2408750bc8c --- /dev/null +++ b/chunks/json/8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15685,"char_start":14045,"chunk_id":"chk_ec244fc688645b94","chunk_index":8,"chunk_sha256":"8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"### Deed-in-Lieu\n\nDeed-in-Lieu is a foreclosure alternative where a borrower voluntarily transfers the ownership of the property to the owner of the mortgage in exchange for a release from the mortgage loan and payments. The borrower may be required to pay off the remaining mortgage balance if the value of the property is lower than the amount owed. A deed-in-lieu allows the borrower to transition out of the home without going through foreclosure. In some cases, borrowers may be eligible for relocation assistance.\n\n## Guiding Principles for Loss Mitigation\n\nOn July 25, 2016 FHFA, the U.S. Department of the Treasury, and the U.S. Department of Housing and Urban Development (HUD) issued a joint white paper entitled, [Guiding Principles for the Future of Loss Mitigation: How the Lessons Learned from the Financial Crisis can Influence the Path Forward](https://www.treasury.gov/press-center/press-releases/Documents/guiding-principles-future-of-loss-mitigation.pdf). The white paper details five key principles for the future of loss mitigation. The key principles set forth in the white paper are:\n\n**Accessibility**: Providing a simple process for homeowners to seek assistance.\n\n**Affordability**: Providing modification terms that result in meaningful payment relief.\n\n**Sustainability**: Offering solutions that resolve the delinquency for the long-term.\n\n**Transparency**: Ensuring that the process is clear and understandable.\n\n**Accountability**: Ensuring that there is an appropriate level of oversight.\n\nIn 2016, the Enterprises developed the Flex Modification, which is described above, with these key principles in mind.\n"} diff --git a/chunks/json/8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1.json b/chunks/json/8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1.json new file mode 100644 index 0000000000000000000000000000000000000000..26051c1bee853bebc6d34b4cb4a9284faff02b6c --- /dev/null +++ b/chunks/json/8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":151777,"char_start":149906,"chunk_id":"chk_fe75a2f5baa892b2","chunk_index":85,"chunk_sha256":"8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1","token_estimate":468,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: For Desktop appraisals, when the effective date of the original desktop appraisal report is more than four months from the\ndate of the note and mortgage, a new appraisal report is required.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 63 of 166\n\nUAD 3.6 Policy\n\nMultiple Appraisals of the Subject Property\n\nIf the lender obtains more than one appraisal for a loan due to applicable law, regulation, lender policy, or otherwise, the lender\nmust\n\nadhere to a policy of selecting the most reliable appraisal rather than the appraisal that states the highest value,\n\n•\n• document the reasons for relying on the appraisal, and\n•\n\nsubmit the appraisal selected by the lender through the UCDP prior to the sale of the loan.\n\nThese requirements also apply if the lender considers an appraisal to be deficient (see SB4-1.3-12, Appraisal Quality Matters).\n\nUse of an Appraisal for a Subsequent Transaction\n\nFannie Mae will allow the use of an origination appraisal for a subsequent transaction if the following requirements are met:\n\n•\n•\n\n•\n\n•\n\nThe subsequent transaction may only be a limited cash-out refinance.\nThe effective date of the appraisal report must be within 12 months from the note date of the subsequent transaction. If\nthe appraisal report is greater than four months from the date of the note and mortgage, then a Restricted Appraisal\nUpdate Report is required. See preceding section, Age of Appraisal and Restricted Appraisal Update Report Requirements,\nabove for details on completing an appraisal update.\nThe lender must ensure the property has not undergone any significant remodeling, renovation, or deterioration to the\nextent that the improvement or deterioration of the property would materially affect the market value of the subject\nproperty.\nThe borrower and the lender/client must be the same on the original and subsequent transaction.\n"} diff --git a/chunks/json/8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8.json b/chunks/json/8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8.json new file mode 100644 index 0000000000000000000000000000000000000000..99dca74abca20a3e4a9deedee191382d82447f5e --- /dev/null +++ b/chunks/json/8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":155602,"char_start":153994,"chunk_id":"chk_9e3c5134160b185a","chunk_index":87,"chunk_sha256":"8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: The Completion Report must be completed by the original appraiser, if possible; if not, a substitute appraiser may\ncomplete the report. The substitute appraiser must review the original appraisal report, and the lender must document in the\nloan file the reason why the original appraiser was not used.\n\nAttestation Letters\n\nFannie Mae also permits other completion alternative methods - attestation letters - to verify completion of construction,\nalteration, or repairs in lieu of a Completion Report.\n\nBorrower/builder attestation letter: For new or proposed construction, a letter is permitted to confirm the property was\ncompleted and constructed in conformity with the plans and specifications, amendments, and change orders. The\nborrower/builder attestation letter must include (at a minimum) the following items:\n\n• borrower name,\n• property address or legal description if the address is not available,\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 65 of 166\n\nUAD 3.6 Policy\n\n•\n\n•\n•\n\ncertification language that the property was constructed in conformity with the plans and specifications including any\namendments or changes,\nsignatures and dates by the borrower(s) and builder, and\nexterior and interior photos of the property (see SB4-1.2-01, Appraisal Reports and Exhibits).\n\nIf a letter signed by both parties is not obtainable, then a Completion Report completed by the appraiser is required.\n\nBorrower attestation letter: A letter is permitted to confirm completion of certain alterations or repairs for existing\nconstruction. The letter must include (at a minimum) the following:\n"} diff --git a/chunks/json/8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d.json b/chunks/json/8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d.json new file mode 100644 index 0000000000000000000000000000000000000000..76f83a98998a1d83c9850e913dc4f61781c77080 --- /dev/null +++ b/chunks/json/8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8444,"char_start":8201,"chunk_id":"chk_1a590f7a0401e4de","chunk_index":5,"chunk_sha256":"8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_882b8fe454c060e8","text_sha256":"8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d","token_estimate":61,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-36-inspection-and-reporting-tips.pdf","below_target_min_tokens"]},"text":"29.041-29.042\n\n29.050-29.051\n\nAdditional Certifications\n\n29.053, 29.062\n\n4\n\nReflects the property’s current condition when the appraisal is\nmade \"subject to\"\n\nNote: Cannot add certifications that are contrary to the\n\npredefined certifications\n"} diff --git a/chunks/json/8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f.json b/chunks/json/8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f.json new file mode 100644 index 0000000000000000000000000000000000000000..e5c8b00bc962061dd0865cfd24877782a42998af --- /dev/null +++ b/chunks/json/8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15371,"char_start":13003,"chunk_id":"chk_73bb4c37a441d496","chunk_index":8,"chunk_sha256":"8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f","token_estimate":592,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"Indicated Value by: Sales Comparison Approach $ 124\n126\n\nIncome Approach (if developed) $ 125\n\nThis appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to\nthe following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 131\n\n129\n\n127\n\n130\n\n128\n\nBased on a visual inspection of the exterior areas of the subject property from at least the street, defined scope of work, statement of assumptions and limiting\nconditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is\n$ 132\n\n, which is the date of the exterior inspection and the effective date of this appraisal.\n\n, as of 133\n\nFreddie Mac Form 466 March 2005 226\n\nPage 3 of 6\n\nFannie Mae Form 1075 March 2005\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nI\nN\nC\nO\nM\nE\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\n2\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a\n\nThis report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned\nunit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a\ncooperative project.\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,\nstatement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended\nuse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may\nexpand the scope of work to include any additional research or analysis necessary based on the complexity of this\nappraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional\ncertifications that do not constitute material alterations to this appraisal report, such as those required by law or those\nrelated to the appraiser’s continuing education or membership in an appraisal organization, are permitted.\n"} diff --git a/chunks/json/8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985.json b/chunks/json/8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985.json new file mode 100644 index 0000000000000000000000000000000000000000..ac8f84387f4cbad5e5d9caa03a66c71565f5c9b6 --- /dev/null +++ b/chunks/json/8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985.json @@ -0,0 +1 @@ +{"chunk":{"char_end":63805,"char_start":62193,"chunk_id":"chk_9741e27c65b457bb","chunk_index":30,"chunk_sha256":"8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 8. UCD v2.0 Spec Excerpt for Subject Property Legal Description Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point Delivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL\n/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS\n\n1.011\n\nPostalCode\n\n123456789\n\nValid US format options are either: NNNNN or\nNNNNNNNNN (no dash).\n\n…/SUBJECT_PROPERTY/LEGAL_DESCRIPTIONS/LEGAL_DESCRIPTION/UNPARSED_LEGAL_DESCRIPTIONS/UNPA\nRSED_LEGAL_DESCRIPTION\n\n1.012\n\nUnparsedLegalDescription\n\nLot 32, Block\n123, Section 4\n\nUnparsedLegalDescription is mutually exclusive\nwith AddressLineText. Always provide\nAddressLineText if it is known.\n\nThe subject property legal description data delivered in the XML file looks like this:\n\nFigure 10. XML File Snippet - Legal Description Data.\n\n\n…\n \n \n\n\n\n
\n\n123456789\n\n
\n \n \n\n\n\nUCD v2.0 Implementation Guide\n\n- 20 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 10. XML File Snippet - Legal Description Data.\n\n\n\nLot 32, Block 123, Section 4\n\n\n \n\n\n \n\n\n…\n\n\n2. PROPERTY VALUE DATA\n\nThe data points required to convey the value of the property (appraisal, estimate or sales contract) depend on the\n\nfollowing:\n"} diff --git a/chunks/json/8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77.json b/chunks/json/8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77.json new file mode 100644 index 0000000000000000000000000000000000000000..965a4fd3614a79a76481414fe23fef34365b8120 --- /dev/null +++ b/chunks/json/8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10309,"char_start":8563,"chunk_id":"chk_b6c5d76c44c2273f","chunk_index":5,"chunk_sha256":"8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7609e8234ff6311f","text_sha256":"8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Speeches___FHFA_s62p86.md"]},"text":"- [News Releases](/news/news-release)\n - [Speeches](/news/speech)\n - [Statements](/news/statement)\n - [Testimonies](/news/testimony)\n - [Fact Sheets](/news/fact-sheet)\n\n#### Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n- Speech\n\nOctober 28, 2024\n\n## [Prepared Remarks of FHFA Deputy Director Naa Awaa Tagoe at the 2024 Mortgage Bankers Association Annual Convention & Expo](/news/speech/prepared-remarks-of-fhfa-deputy-director-naa-awaa-tagoe-at-the-2024-mortgage-bankers-association)\n\nGood morning! Thank you, Bob Broeksmit and the MBA staff, for the opportunity to be here today. I’m also delighted that I get to share the stage with HUD Acting Secretary Todman. Director Thompson sends her regards and wishes she could have joined in person. This convention arrives as the nation...\n - Speech\n\nOctober 16, 2023\n\n## [Prepared Remarks of FHFA Director Sandra L. Thompson at the 2023 Mortgage Bankers Association Annual Convention & Expo](/news/speech/prepared-remarks-of-fhfa-director-sandra-l.-thompson-at-the-2023-mortgage-bankers-association-annual)\n\n​​​​​​Sandra L. Thompson, Director Federal Housing Finance Agency MBA KEYNOTE REMARKS AS PREPARED FOR DELIVERY Monday, October 16, 2023 Thank you for the opportunity to be here once again at MBA's Annual Convention. I always appreciate the chance to be with you all and to share the stage with such...\n - Speech\n\nOctober 24, 2022\n\n## [Prepared Remarks of Sandra L. Thompson, Director, FHFA, at the 2022 Mortgage Bankers Association Annual Convention](/news/speech/prepared-remarks-of-sandra-l.-thompson-director-fhfa-at-the-2022-mortgage-bankers-association-annual)\n"} diff --git a/chunks/json/8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034.json b/chunks/json/8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034.json new file mode 100644 index 0000000000000000000000000000000000000000..6f3b074f5c77682e778a5648f27ffa7d88bbe311 --- /dev/null +++ b/chunks/json/8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034.json @@ -0,0 +1 @@ +{"chunk":{"char_end":232376,"char_start":230626,"chunk_id":"chk_29adb4d1d3476a89","chunk_index":136,"chunk_sha256":"8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034","token_estimate":438,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Select the most applicable Dwelling Style that fits the description of the\nhome.\n\nAppendix F-1: URAR Reference Guide\n\nPage 94 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior: General Information\n\nReport\nField ID\n\n8.005\n\nReport Label\n\nWhen to Include\n\nFront Door\nElevation\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nGround Level (ground level or below)\nUp to 1 foot\n1-2 Ft.\n2-3 Ft.\n3-4 Ft.\n4-5 Ft.\n5-6 Ft.\n6-7 Ft.\n7-8 Ft.\n8-9 Ft.\n9-10 Ft.\n10 or more feet\n\nThe approximate elevation from grade to the bottom of the front door.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNote:\n•\n\n•\n\nFor properties with multiple units in a building, choose the answer for the\nunit door with the lowest elevation from grade.\nFor high-rise, mid-rise, and low-rise buildings this reflects the front door\nof the unit, not the building. Example: Choose 10 or more feet for a unit\non the third floor.\n\nExamples:\n•\n•\n•\n\nIf the elevation is exactly 2 feet, choose 1-2 Ft.\nIf the elevation is 2 feet, 1 inch, choose 2-3 Ft.\nIf the elevation is exactly 3 feet, choose 2-3 Ft.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nStructure Design (Choose one)\n\nHigh-rise\n\nMid-rise\n\nLow-rise\n\nA multi-unit condominium or cooperative property with eight or more stories in the building.\n\nA multi-unit condominium or cooperative property with four to seven stories in the building.\nNote: Do not select this answer for rowhouses or townhouses.\n\nA multi-unit condominium or cooperative property with one to three stories in the building. Sometimes referred to as a\n“garden style” dwelling.\nNote: Do not select this answer for rowhouses or townhouses.\n"} diff --git a/chunks/json/8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf.json b/chunks/json/8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf.json new file mode 100644 index 0000000000000000000000000000000000000000..080986991b553bb569728c3e942c11ca3889696c --- /dev/null +++ b/chunks/json/8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64598,"char_start":62997,"chunk_id":"chk_68cfc5e10e7e72b3","chunk_index":38,"chunk_sha256":"8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Current\nOccupancy Type\n\nSpecifies the property occupancy\nstatus of a subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType='TenantOccupied']\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-20, 1-21, 1-22\n(values of Property Current Occupancy Type)\nmust be indicated.\nOne and only one of fields 1-20, 1-21, 1-22\n(values of Property Current Occupancy Type)\nmust be indicated.\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 31 of 211\n\nDocument Version 1.4\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\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\nT\n\nT\n\nT\n\nT\n\nSort ID\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 Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n22\n\nSUBJECT\n\nOccupant\nVacant\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy\nstatus of a subject property.\n\n/VALUATION_RESPONSE/PROPERTY[@_C\nurrentOccupancyType='Vacant']\n\n15\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-20, 1-21, 1-22\n(values of Property Current Occupancy Type)\nmust be indicated.\n\nCR\n\nCR\n\nCR\n\n23\n\n24\n\n25\n\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n\n38\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n25\n\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n"} diff --git a/chunks/json/8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9.json b/chunks/json/8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9.json new file mode 100644 index 0000000000000000000000000000000000000000..bc494d1b3b0bc0976937953fd36881f9134fa1fa --- /dev/null +++ b/chunks/json/8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":270746,"char_start":268790,"chunk_id":"chk_d8ceba05e12b79b6","chunk_index":150,"chunk_sha256":"8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9","token_estimate":489,"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 102 of 166\n\nUAD 3.6 Policy\n\nassignment results, then the income approach must be included. Appraisals that rely solely on the income approach as an\nindicator of market value are not acceptable.\n\nWhen the income approach to value is used, the appraisal report must include the supporting comparable rental and sales data,\nand the calculations used to determine the gross rent multiplier. A minimum of three rental comparables must be provided for\neach of the subject units. Each rental comparable represents a unit and not necessarily the entire comparable property. If\napplicable, a rental comparable unit can be compared to more than one subject property unit. If the appraiser has completed the\nincome approach, the lender must thoroughly review the information provided to confirm that the appraiser’s analysis and\ncomments for the income approach are consistent with comments mentioned elsewhere in the appraisal report.\n\nThe lender must validate these approaches to value in the appraisal report and comply with SB4-1.1-04, Unacceptable Appraisal\nPractices.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 103 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-11, Valuation Analysis and Reconciliation (06/04/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the valuation analysis and final reconciliation, including:\n\n• Overview\n• Reconciliation\n\nOverview\n\nThe Reconciliation section of the Uniform Residential Appraisal Report (URAR) enables an appraiser to develop and report, in a\nconcise format, an adequately supported opinion of market value based on the sales comparison, cost, and income approaches\nto value, as applicable. If the appraiser believes that additional information needs to be provided because of the uniqueness of\nthe property or some other condition, they should provide additional supporting data in the Reconciliation of Market Value\ncommentary section of the URAR.\n"} diff --git a/chunks/json/8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3.json b/chunks/json/8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3.json new file mode 100644 index 0000000000000000000000000000000000000000..d6b176a6c2d3ed2d0db644a543fe7f044bdeb865 --- /dev/null +++ b/chunks/json/8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":66734,"char_start":65116,"chunk_id":"chk_80654d9ee599a547","chunk_index":54,"chunk_sha256":"8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Appraiser Performing the Subject Property Inspection. Provide one RELATIONSHIP container for each appraiser-related role (provided in the data set)\njoining the INSPECTION container to the PARTY container.\n\nAppraiser\n\nPage 55\n\nUnique ID\n\n2400.0277\n2400.0278\n2400.0279\n2400.0291\n2200.0130\n\nSupervisory Appraiser\n\nUnique ID\n\n2400.0498\n2400.0499\n2400.0500\n2400.0509\n2200.0141\n\nParent Container\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nINSPECTION\nROLE\n\nParent Container\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nINSPECTION\nROLE\n\nMISMO Attribute\nName\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n\nMISMO Attribute\nName\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n\nSupported Attribute Enumerations\n\nurn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE\nINSPECTION_n\nROLE_n\nINSPECTION_n\nROLE_n\n\nSupported Attribute Enumerations\n\nurn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE\nINSPECTION_n\nROLE_n\nINSPECTION_n\nROLE_n\n\nIn this example, an appraiser and a supervisory appraiser are represented in the XML and displayed on the report. (Figure Arcrole - 1)\n\nArcrole - 1\n\nPage 56\n\nProvide the relationship that joins the SIGNATORY container to the PARTY container representing the appraiser or supervisory appraiser. One\nRELATIONSHIP container is required for each PARTY that has signed the valuation report.\n\nPage 57\n\nAppraiser\n\nUnique ID\n\n2200.0048\n2200.0049\n2200.0050\n2200.0071\n2200.0130\n\nSupervisory Appraiser\n\nParent Container\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nSIGNATORY\nROLE\n\nMISMO Attribute\nName\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n"} diff --git a/chunks/json/902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2.json b/chunks/json/902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2.json new file mode 100644 index 0000000000000000000000000000000000000000..b14b4941dd31e730004e3149acaaaffb1f07ebd4 --- /dev/null +++ b/chunks/json/902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38127,"char_start":37427,"chunk_id":"chk_54aea19f9af482e4","chunk_index":56,"chunk_sha256":"902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2","token_estimate":591,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Manufactured Home Exhibits................................................................................................................................................................................................... 174\n\n10 Unit Interior – [Outbuilding Type] – [Structure Identifier] – [Unit Identifier] ................................................................................................................................... 176\n\nOverview ................................................................................................................................................................................................................................................ 176\n"} diff --git a/chunks/json/904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57.json b/chunks/json/904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57.json new file mode 100644 index 0000000000000000000000000000000000000000..7fcb3c6492d7e0558b759e82dbc8e6a4c24b1ce5 --- /dev/null +++ b/chunks/json/904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33246,"char_start":31215,"chunk_id":"chk_ee7cd36c86c0be18","chunk_index":17,"chunk_sha256":"904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57","token_estimate":508,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are\ndefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this\nappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and\nvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.\n\nAPPRAISER\n\nSUPERVISORY APPRAISER (ONLY IF REQUIRED)\n\nSignature ______________________________________________\nName 5 ______________________________________________\nCompany Name 6_______________________________________\nCompany Address 7 _____________________________________\n 8a, 8b, 8c ______________________________\nTelephone Number 9 ____________________________________\nEmail Address 10________________________________________\nDate of Signature and Report 11 ____________________________\nEffective Date of Appraisal 12 ______________________________\nState Certification # 13____________________________________\nor State License #14 _____________________________________\nor Other 15_____________________________________________\nState 17 _______________________________________________\nExpiration Date of Certification or License 18 __________________\n\nSignature___________________________________________\nName 27 ___________________________________________\nCompany Name 28 ___________________________________\nCompany Address 29 _________________________________\n 30a, 30b, 30c ________________________\nTelephone Number 31_________________________________\nEmail Address 32 ____________________________________\nDate of Signature 33 __________________________________\nState Certification # 34 ________________________________\nor State License # 35 _________________________________\nState 36____________________________________________\nExpiration Date of Certification or License 37_______________\nSUPERVISORY APPRAISER\nSUBJECT PROPERTY\n"} diff --git a/chunks/json/904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a.json b/chunks/json/904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a.json new file mode 100644 index 0000000000000000000000000000000000000000..2c5635ee406320d21c8c7d6346bd260cd277d4f5 --- /dev/null +++ b/chunks/json/904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44396,"char_start":42719,"chunk_id":"chk_2328c5e2486385a1","chunk_index":16,"chunk_sha256":"904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"If the subject loan includes subordinate financing closing simultaneously, set UCD Unique ID 16.015 gse:SubordinateFinancingIsNewIndicator = “true”. If the subordinate financing is used in the loan transaction include UCD Unique ID 10.291 TotalSubordinateFinancingAmount.\n\nQualified Mortgages\n\n**36. The UCD contains several Ability-to-Repay (ATR) data points. Do these data points need to be included in the UCD XML file?**\n\nYes. Even though some of this data is not on the CD, the GSEs require it to be submitted in the UCD XML file.\n\n**37. If a loan is considered exempt from Regulation Z’s ATR requirements, how should this be reflected in the UCD XML file?**\n\nThe following data points and values should be included in the UCD XML file if the loan is exempt from Regulation Z’s ATR requirements:\n\n- Ability To Repay Method Type = “Exempt”\n- Ability To Repay Exemption Reason Type = “PropertyUsage” for ATR exempt investment properties used for business purposes or “LoanProgram” for exempt Housing Finance Agency (HFA) loans\n- Refer to [Fannie Mae’s Lender Letter LL-2021-11](/news-events/lender-letter-ll-2021-11-loan-eligibility-qualified-mortgage-rule) / [Freddie Mac’s Guide Bulletin 2021-19](https://sf.freddiemac.com/articles/news/guide-bulletin-2021-19-updates-related-to-the-pspa-and-the-revised-qm-rule)\n**38. When should the data point gse:QualifiedMortgageShortResetARM_APRPercent be included in the UCD file?**\n\ngse:QualifiedMortgageShortResetARM_APRPercent is required for all ARMs with an adjustment within five years of the note date.\n\nXML File Technical Considerations\n\n**39. Do the GSEs validate that the submitted UCD XML file formation is correct?**\n"} diff --git a/chunks/json/9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc.json b/chunks/json/9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc.json new file mode 100644 index 0000000000000000000000000000000000000000..4847c2d144fc58707c41a5cebce64f8999d45dad --- /dev/null +++ b/chunks/json/9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26443,"char_start":24802,"chunk_id":"chk_a7fc4f466db3f251","chunk_index":15,"chunk_sha256":"9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc","token_estimate":410,"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":"The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller\nconcessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was\ndetermined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.\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 15 of 23\n\nMarket (continued)\n\nMarket Exhibits\n\nAbsorption Rate\n\nMedian Days on Market\n\nPrice Trend\n\nThis is where the Absorption Rate graph would display.\n\nThis is where the Median Days on Market graph would display.\n\nThis is where the Price Trend graph 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 16 of 23\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nListing ID\nXYZ 0387300\n\nStart Date\n06/20/2019\n\nEnd Date\n09/08/2019\n\nDOM\n79\n\nTotal DOM 79\n\nStarting\nList Price\n$825,000\n\nCurrent or\nFinal List Price\n$799,900\n\nAnalysis of Subject Property Listing History Subject was listed on June 20th, 2019 with list price of $825,000 and was listed for 40 days. On\nJuly 31st, 2019 the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $770,000, which is 7% below the original list\nprice.\n"} diff --git a/chunks/json/9063280f9f96d6f92bb7b5304801d481045451e304de77bc68133be17419e760.json b/chunks/json/9063280f9f96d6f92bb7b5304801d481045451e304de77bc68133be17419e760.json new file mode 100644 index 0000000000000000000000000000000000000000..42efaf1ffe32f50ad3323b5a10ac504df00245b2 --- /dev/null +++ b/chunks/json/9063280f9f96d6f92bb7b5304801d481045451e304de77bc68133be17419e760.json @@ -0,0 +1 @@ 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diff --git a/chunks/json/90672f199d1cd93936af312b32be89325d2a1de19df0a1b887972646344a08f0.json b/chunks/json/90672f199d1cd93936af312b32be89325d2a1de19df0a1b887972646344a08f0.json new file mode 100644 index 0000000000000000000000000000000000000000..ab79bae86275f3d2587e0116a8a610491a197c66 --- /dev/null +++ b/chunks/json/90672f199d1cd93936af312b32be89325d2a1de19df0a1b887972646344a08f0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15247,"char_start":13534,"chunk_id":"chk_193b37bf6afd3063","chunk_index":8,"chunk_sha256":"90672f199d1cd93936af312b32be89325d2a1de19df0a1b887972646344a08f0","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"90672f199d1cd93936af312b32be89325d2a1de19df0a1b887972646344a08f0","token_estimate":429,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Feature\nBalcony\n\nDescription\nLocation\nAdjacent to Living Room Balcony is functional, but shows overall age\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nand some deferred maintenance, mainly\nfrom the cracking of concrete. The condo\nassociation has systematically been moving\nthroughout the building and making repairs\nas needed throughout all unit balconies.\n\nSubject Property Amenities Commentary\n\nMaintenance of exterior amenities is provided by the homeowners association.\n\nSubject Property Amenities Exhibits\n\nApparent Defects, Damages, Deficiencies - Balcony\n\nThis is where the Balcony Defect Photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\nInterior Quality\n\nQ4\nQ4\n\nOverall Condition\nInterior Condition\n\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe overall quality and condition of the subject building does not adversely affect the overall ratings provided.\n\nHighest and Best Use\n\nIs the present use of the subject property ...\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nMarket Area Boundary Kinross Avenue to the North; Malcolm Avenue to the East; Ohio Avenue to the South; The 405 to the West\n\nSearch Criteria Description The market search was limited by the following factors: Properties that included between 1–2 full bathrooms,\n2–3 bedrooms, that were built between 1960 and 1985 with a closing date between 09/18/2018 and 09/17/2019.\n"} diff --git a/chunks/json/9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af.json b/chunks/json/9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af.json new file mode 100644 index 0000000000000000000000000000000000000000..620d69aad2a33cdcaab37477417b7c8a8f9455c7 --- /dev/null +++ b/chunks/json/9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7737,"char_start":6572,"chunk_id":"chk_752384352b59987d","chunk_index":4,"chunk_sha256":"9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f92a0f8838f55a9e","text_sha256":"9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af","token_estimate":291,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-procedures.pdf"]},"text":"Miscellaneous\nAdditional borrowers and credit reports may become available in the future.\n\nN O T E : Some of the above borrower names and Social Security numbers are also available in test credit\nreports provided by one or more of our external credit information providers. The data in these test credit\nreports may not match the test credit reports provided in the Fannie Mae Test Credit Agency; therefore,\nunderwriting results may differ if external test credit reports are used.\n\nReview the companion Test Credit Report Characteristics document, which lists specific credit data on each test\nborrower, including:\n\n which borrowers have outstanding mortgages;\n\n the number of times each borrower was 30, 60, and 90 days delinquent;\n\n whether a borrower has frozen credit;\n\n which borrowers have public records (bankruptcy, foreclosure, tax liens, outstanding judgments,\n\ncollections, and civil suits).\n\nFor more information\nIf you have questions regarding the test credit reports, procedures, or the Test Credit Agency, contact Integration Support\nat integration_support@fanniemae.com.\n\n© 2017 Fannie Mae. Trademarks of Fannie Mae.\n\nNovember 20, 2017\n\n3 of 3\n"} diff --git a/chunks/json/908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8.json b/chunks/json/908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8.json new file mode 100644 index 0000000000000000000000000000000000000000..749d97f20e2c50622054e4d991f42c593a320dec --- /dev/null +++ b/chunks/json/908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8704,"char_start":7094,"chunk_id":"chk_051d479d0c052b9c","chunk_index":4,"chunk_sha256":"908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a6c2e782647dd4dd","text_sha256":"908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac___FHFA_q1tdy.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# Fannie Mae & Freddie Mac\n\nFHFA is responsible for ensuring that Fannie Mae and Freddie Mac operate in a safe and sound manner. This is done through prudential supervision and regulation.\n\n## Examination\n\nFHFA’s annual examination program assesses Fannie Mae's and Freddie Mac's financial safety and soundness and overall risk management practices.\n\nWe utilize three approaches to achieve our supervisory responsibilities:\n"} diff --git a/chunks/json/908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82.json b/chunks/json/908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82.json new file mode 100644 index 0000000000000000000000000000000000000000..e8d865fc88caca1587db7df1d9172b0366482124 --- /dev/null +++ b/chunks/json/908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1815,"char_start":0,"chunk_id":"chk_2de4eb273dadf6db","chunk_index":0,"chunk_sha256":"908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Special Feature Codes\n\nThe following is a list of Fannie Mae’s published special feature codes (SFC) applicable to delivery of single-family\nmortgage loans. Lenders should also review their Lender Contract, variances or special requirements to determine if\nother SFCs are required at delivery.\n\nN O T E : Up to ten SFCs may be reported at delivery on an individual mortgage loan. Certain SFCs may be omitted\nfrom the submission in Loan Delivery as they are automatically derived based on the delivered loan data. These\n“auto-derived” SFCs are identified below. Refer to the Loan Delivery/ULDD Job Aid for additional information.\n\nCode\n\n001\n\nWhole\nLoan/MBS\nBoth\n\n003\n\nBoth\n\n007\n\nBoth\n\n009\n\nBoth\n\n013\n\nBoth\n\n014\n\nBoth\n\n019\n\nBoth\n\n033\n\nBoth\n\nDescription/Definition\n\nRecourse\nUsed to identify any mortgage that has a type of recourse, unless a particular negotiated\ncontract specifies the use of a different SFC.\nCash-Out Refinance\nUsed to identify a cash-out refinance transaction as defined in the Fannie Mae Selling\nGuide.\nDelivery is optional – code is auto-derived\n\nLimited Cash-Out/No Cash-Out Refinance\nUsed to identify a limited cash-out refinance transaction as defined in the Fannie Mae\nSelling Guide.\nDelivery is optional – code is auto-derived\nModerate Interest Rate Buydown\nUsed to identify a mortgage that is subject to a temporary interest rate buydown that has\neither a 2 percent or less difference between the actual note rate and the \"bought down\" rate\nor a buydown period that is 2 years or less.\nRelocation Mortgage\nAn owner-occupied purchase money loan, originated pursuant to an established employee\nrelocation program, administered by the employer (or its agent), where the employer\nrelocates employees as part of its normal course of business. This SFC is used to assign\nprefixes RE, RI, and RX.\n"} diff --git a/chunks/json/909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed.json b/chunks/json/909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed.json new file mode 100644 index 0000000000000000000000000000000000000000..6a92656f226f5fbbc99c4a3547d2174ce8befe42 --- /dev/null +++ b/chunks/json/909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":42778,"char_start":40916,"chunk_id":"chk_1c2323f16a892a39","chunk_index":22,"chunk_sha256":"909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed","token_estimate":466,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"This new data field identifies the type\n\nof property securing the loan acquired\nby the Enterprises. HMDA reporting\nrequirements differentiate the single-\nfamily property type data element as\nsingle-family or manufactured housing.\nThe Enterprises have not previously\nbeen required to distinguish between\nsingle-family and manufactured housing\nin their data reporting to FHFA.\n\nIn response to FHFA’s request, Fannie\n\nMae and Freddie Mac provided FHFA\nwith the requested single-family\nproperty type data. Fannie Mae\ncommented that it collects and reports\nmanufactured housing data in a manner\ndifferent from that of HMDA reporters.\nSpecifically, Fannie Mae stated that the\nHMDA definition of ‘‘manufactured\nhome’’ incorporates the definition used\nby HUD and includes modular homes,\nwhile Fannie Mae requires that\n\nmanufactured housing be built on a\npermanent chassis that is attached to a\npermanent foundation.\n\nSubsequent discussions with Fannie\n\nMae revealed that it distinguishes\nbetween modular homes that are ‘‘on-\nframe’’ (i.e., built on a permanent\nchassis and ready for occupancy upon\nleaving the factory but not subject to\nHUD code standards) and ‘‘off-frame’’\n(i.e., housing that is not ready for\noccupancy upon leaving the factory but\nmust be constructed on-site). Fannie\nMae indicated that it does not purchase\nany loans relating to ‘‘on-frame’’\nmodular homes. Accordingly, it appears\nthat the types of loans that Fannie Mae\npurchases are secured by manufactured\nhomes that meet both the HMDA and\nHUD code standards.\n\nFannie Mae does purchase loans\nsecured by off-frame modular homes\nthat need to be constructed on-site.\nHowever, these modular homes would\nnot qualify as ‘‘manufactured homes’’\nunder either HMDA’s or HUD’s\nstandards since they are not ready for\noccupancy upon leaving the factory.\nThese homes would be designated as\nsingle-family homes.\n"} diff --git a/chunks/json/90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589.json b/chunks/json/90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589.json new file mode 100644 index 0000000000000000000000000000000000000000..3fccd4dfabc55d47e2973dbd88e000f955bef5d3 --- /dev/null +++ b/chunks/json/90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34155,"char_start":33672,"chunk_id":"chk_46946fcbc365e822","chunk_index":49,"chunk_sha256":"90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 150\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 151\n"} diff --git a/chunks/json/90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9.json b/chunks/json/90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9.json new file mode 100644 index 0000000000000000000000000000000000000000..3c4af0202bdf9b65cae9a69a89784f4b06ab30df --- /dev/null +++ b/chunks/json/90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":65246,"char_start":63644,"chunk_id":"chk_063c26fada24605c","chunk_index":37,"chunk_sha256":"90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),\nis qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.\n\n8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the\nAppraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted.\n\nTXC-NP\n\n9. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\nAdditional Supervisory Appraiser Certifications\n\nH2\nTXC-I\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\nTXC-NP\n\nH1\n\nSignature\n\nTX-B\n"} diff --git a/chunks/json/90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28.json b/chunks/json/90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28.json new file mode 100644 index 0000000000000000000000000000000000000000..2d1774e6e95e9e6b6e4d3ed798a6c31427117d4e --- /dev/null +++ b/chunks/json/90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5485,"char_start":3830,"chunk_id":"chk_d48e62959afa74ad","chunk_index":4,"chunk_sha256":"90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"1.\n\nIndicate when more than one selection/enumeration is supported.\nPurpose: Informing appraisers when a field permits multiple selections allows them to provide all defined\nvalues pertinent to the property thereby reducing subjectivity.\n\nFor example, the DataSourceType has many valid values and multiple data sources may be indicated.\n\nIn addition to the defined enumerated values, many of these fields have “Other” and “None” as options.\n\n• When “Other” is selected…\n\no Prompt the user to provide a description. (Only the description displays on the report.)\no\n\nIndicate that the description may not overlap or duplicate a valid value.\n\n▪ Example: If “Other” is selected and either “PDR” or “Property Data Report” is\nprovided for the description, the appraiser should be prompted to use the\nenumerated value of “Property Data Report.”\n\n• When “None” is Selected…\n\no Disable additional valid values from being selected.\n\nCalculations\n\n2. Perform calculations (subtotals and totals). Allow users to override system calculations.\n\nPurpose: By having the calculations performed systematically, it helps to prevent simple math errors.\n\nThe following are examples of where system calculations can be implemented.\n\n• Price per Square Foot\n• Finished Area and Unfinished Area\n• Above Grade and Below Grade Area\n\nAppendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0\n\nPage 4\n\nIntegration with Public Records and Other Industry Data Repositories\n\n3.\n\nIntegrate to industry data sources and present that information as a data entry aid.\nPurpose: Ease data entry for appraiser; confirm information is entered accurately.\n"} diff --git a/chunks/json/90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43.json b/chunks/json/90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43.json new file mode 100644 index 0000000000000000000000000000000000000000..23e4e2a33d8a41c0b78f898962d3bbfa0a25918c --- /dev/null +++ b/chunks/json/90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3369,"char_start":1684,"chunk_id":"chk_ac798bcfecb6f5e5","chunk_index":1,"chunk_sha256":"90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43","date_utc":"2026-01-27T18:29:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a94536bb42f76932","text_sha256":"90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43","token_estimate":421,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR2_CompletionReport/_.pdf/CR2_CompletionReport_v1.3.pdf"]},"text":"Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the completion report.\n\nThe Completion Report sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the Completion Report.\n\nCompletion Report\n\nSubject Property\n\nPhysical Address\n\nCounty\n\n456 Something Rd\nSomewhere, VA 12345\nFabricated\n\nPage 1 of 3\nPage 1 of 3\n\nThis is where the Dwelling Front photo would display.\n\nLegal Description\n\nUnreal Farm S.1 PCL.300201121002432 F-594-7 BLA 3573702301420 Use agreement 71\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nMarket Value Condition\n\n09/08/2019\n$770,000\nSubject to Completion Per Plans\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nAgatha Appraiser\nAA12345\nEmpty Bank\n\nFinal Value Condition Statement This appraisal is made subject to completion per plans and specifications on the basis of a hypothetical\ncondition that the improvements have been completed. This might have affected the assignment results.\n\nCompletion Status\n\nIs construction complete?\nWas construction completed in a manner consistent with the original plans and\nspecifications?\n\nYes No\n \n \n\nFeature\nExterior Barn Door\n\nLocation\nExterior - north end and east side of\nthe barn.\n\nComparison to Original\nPlans/Specs\nSimilar\n\nComment\nExterior sliding barn door is\ninconsistent with location and size\n(dimensions). Original plans called\nfor two exterior sliding doors, one\nat 12' x 8' and one 20' x 8' (see plan\nattached). The 12' x 8' door was\ncompleted per plans. The 2nd door,\nlocated on the side of the barn,\ndimensions are 20' x 12' versus\n20' x 8'.\n"} diff --git a/chunks/json/910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599.json b/chunks/json/910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599.json new file mode 100644 index 0000000000000000000000000000000000000000..24391844f7953cda3c2111c69bb0c3008fcf50e4 --- /dev/null +++ b/chunks/json/910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1073727,"char_start":1072069,"chunk_id":"chk_4d52953e07b4ecc4","chunk_index":638,"chunk_sha256":"910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='AdverseSiteConditions' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='AdverseSiteConditions' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='AdverseSiteConditions']/@_Comment\n\n4000\n\nString\n\nThis field should describe adverse site conditions, etc.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n134\n\n1\n\n128\n\nIMPROVEMENTS\n\nSource(s) Used for Physical\nCharacteristics of Property\nAppraisal Files\n\nData Source Type\n\nUsed to identify sources of data used in\nthe description and analysis of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D\nATA_SOURCE[@DataSourceType='PreviousAppraisalFile']\n\n25\n\nEnumerated\n\nOne and only one of fields 1-117, 1-118 (values\nof GSE Special Flood Hazard Area Indicator)\nshould be indicated.\n\nOne and only one value of fields 1-117, 1-118\n(values of GSE Special Flood Hazard Area\nIndicator) should be indicated.\n\nThis field should be populated if a FEMA map\nexists for the area.\n\nIf field 1-119 (GSE NFIP Flood Zone Identifier)\nhas a value that does not equal 'None', this field\nshould be populated.\n\nIf field 1-119 (GSE NFIP Flood Zone Identifier)\nhas a value that does not equal 'None', this field\nshould be populated.\n"} diff --git a/chunks/json/911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d.json b/chunks/json/911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d.json new file mode 100644 index 0000000000000000000000000000000000000000..52ff6e5d96bde667942674f65686b64a8157577a --- /dev/null +++ b/chunks/json/911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":292872,"char_start":291270,"chunk_id":"chk_b3dd25365bfe6d9c","chunk_index":171,"chunk_sha256":"911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/P\nRIOR_SALES/@DataSourceDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/P\nRIOR_SALES/@DataSourceEffectiveDate\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N\n’]/PRIOR_SALES/PRIOR_SALES_EXTENSIO\nN/PRIOR_SALES_EXTENSION_SECTION[@\nExtensionSectionOrganizationName\n='UNIFORM APPRAISAL\nDATASET']/PRIOR_SALES_EXTENSION_SE\nCTION_DATA/PRIOR_SALE/@GSEPriorSale\nDate\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/PRIOR_SALES/@PropertySalesAmount\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nOne and only one of fields 2-111, 2-112\n(values of Comparable Has Prior Sales\nIndicator) must be indicated.\n\n150\n\nString\n\nThis field should indicate the data sources for the comparables' prior sale\nhistory.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nThis field is required if field 2-108 (Subject\nHas Prior Sales Indicator = 'Y') is indicated.\n\nCR\n\nCR\n\nCR\n\n15\n\nMoney\n\n30\n\nString\n\nPDF Display Format:\nmm/dd/yyyy\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field must indicate the data source used for the prior sale/transfer of the\ncomparable.\n"} diff --git a/chunks/json/9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c.json b/chunks/json/9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c.json new file mode 100644 index 0000000000000000000000000000000000000000..2284482d0e87662f3987b3d8e4c1d7b576f212da --- /dev/null +++ b/chunks/json/9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":289604,"char_start":287942,"chunk_id":"chk_fbdafea2326fc9c0","chunk_index":169,"chunk_sha256":"9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"2\n\n108\n\n371\n\n372\n\n2\n\n2\n\n109\n\n110\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 67 of 211\n\nDocument Version 1.4\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\nComparable Has\nPrior Sales Indicator\n\nIndicates whether the comparable\nproperty has prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/COMPARABLE[@_HasPriorSalesIndicator='\nY']\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nOne and only one of fields 2-111, 2-112\n(values of Comparable Has Prior Sales\nIndicator) must be indicated.\n\nCR\n\nCR\n\nCR\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\n373\n\n2\n\n111\n\n374\n\n375\n\n2\n\n2\n\n112\n\n113\n\n376\n\n2\n\n114\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nMy research did reveal\nany prior sales or\ntransfers of the\ncomparable sales for the\nyear prior to the date of\nsale of the comparable\nsale.\nMy research did not\nreveal any prior sales or\ntransfers of the\ncomparable sales for the\nyear prior to the date of\nsale of the comparable\nsale.\nComparable Prior Sales\nHistory\nData Source(s)\n\nComparable Has\nPrior Sales Indicator\n\nIndicates whether the comparable\nproperty has prior sales history.\n"} diff --git a/chunks/json/912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105.json b/chunks/json/912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105.json new file mode 100644 index 0000000000000000000000000000000000000000..0a3530a0627994f43088920d4f9474065655b0f6 --- /dev/null +++ b/chunks/json/912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105.json @@ -0,0 +1 @@ +{"chunk":{"char_end":752816,"char_start":751145,"chunk_id":"chk_5cb2766a23f318d3","chunk_index":446,"chunk_sha256":"912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE FEMA Special\nFlood Hazard Area\nIndicator\n\nIndicates whether any part of the subject\nparcel is in a FEMA designated Flood\nZone.\n\n25\n\n1\n\n1\n\n25\n\n1\n\n1\n\n25\n\n25\n\n1\n\n1\n\n25\n\n1\n\n1\n\n1\n\nFormat\n\nString\n\nBoolean\n\nBoolean\n\nString\n\nBoolean\n\nBoolean\n\nString\n\nString\n\nBoolean\n\nBoolean\n\nString\n\nBoolean\n\nBoolean\n\nBoolean\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of gas service if present and not public. If no gas\nservice is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no water service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no water service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the water source if present and not public. If no water service\nis present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no sanitary sewer service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n"} diff --git a/chunks/json/913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278.json b/chunks/json/913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278.json new file mode 100644 index 0000000000000000000000000000000000000000..71d6cb1d263666be029813f74b9f44cdd3ae552e --- /dev/null +++ b/chunks/json/913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278.json @@ -0,0 +1 @@ +{"chunk":{"char_end":280844,"char_start":279236,"chunk_id":"chk_7f6a494905fff08e","chunk_index":165,"chunk_sha256":"913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\n9.007\n\nHave there been\nany\nmodifications,\nattachments or\nadditions that\nhave altered or\nrely on the\noriginal\nstructure for\nsupport?\n\nAlways required\n\nYes | No\n\nStructural Modifications Exist: Indicates whether modifications, attachments, or\nadditions have been made that altered or rely upon the original dwelling for\nsupport.\n\nSelect No when the additions, such as an attached garage, were originally\ndesigned for the structure.\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nAppendix F-1: URAR Reference Guide\n\nPage 117 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\nManufactured Home – Dwellings - General Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n9.008 Modification,\n\nAttachment, or\nAddition\n\nRequired if Structural\nModifications Exist is\nYes\n\n9.009\n\nDescription of\nModification,\nAttachment, or\nAddition\n\nRequired if Structural\nModifications Exist is\nYes\n\nHUD Data Plate\n\nDefinition / Additional Guidance\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\n•\n•\n•\n•\n•\n•\n•\n\nCarport\nDeck\nGarage\nLiving Area\nPorch\nSunroom\nOther (Describe)\n\nFree-form\n\nDetailed description of the modification, attachment, or addition that has\naltered the manufactured home’s structure or relies on it for support.\n\nNote: If the HUD Data Plate is not available, indicate in Manufactured Home Commentary (9.026) the source of\nthe data provided.\n\nManufactured Home – Dwellings – HUD Data Plate\n\nReport\nField ID\n"} diff --git a/chunks/json/9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7.json b/chunks/json/9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7.json new file mode 100644 index 0000000000000000000000000000000000000000..d20fc0a299d29e6f590ff2a6b23baee35890cc9a --- /dev/null +++ b/chunks/json/9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8348,"char_start":6680,"chunk_id":"chk_ee438ac4638ff5d6","chunk_index":4,"chunk_sha256":"9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7","token_estimate":418,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Check #A\n\nTXR-B\n\nTXR-B\n\nCK1\n\nCK1\n\nPhysical Address\nAlternate Physical Address\nCounty\nNeighborhood Name\n\nY/N\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nTXR-B\n\nConstruction Stage\n\nH1\n\nOwnership Rights\n\nTXR-B\nTXR-I\nTXR-I\nTXR-B\nTXR-I\nTXR-I\nTXR-I\n\nProperty Rights Appraised\nCommunity Land Trust\nNative American Lands\n\nGround Rent Annual Amount\n\nRenewable\nTerm\nExpires\n\nYes No\n \n \n \n \n \n \n \n\n \n\nAll Rights Included in Appraisal\n\nTXR-B\nTXR-I\nTXR-B\n\nRights Not Included\nMineral Rights Leased\n\nTXC-B1\n\nDescription of Rights Not Included\n\nTXC-B1\n\nDescription of Ground Rent and Impact to Value/Marketability\n\nH1\nTXC\n\nH1\nTXC\n\nH1\n\nLegal Description\n\nSubject Property Commentary\n\nSubject Property Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nSite\n\nTXR-B\nTXR-B\n\nTotal Site Size\nDimensions\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\nTXR-I\nTXR-I\n\nNumber of Parcels\n\nContiguous\nElements Dividing Parcels\n\nTCH\nTB\n\nTXR-B\nTXR-I\n\nTXR-I\n\nTXC-B1\n\nTXR-B\nTXR-I\n\nTXR-I\n\nTXC-B1\n\nAssessor Parcel Number (APN)\n\nAPN Description\n\nParcel Size\n\nTXR-B\nTXR-I\n\nTXR-I\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nKnown Maintenance Agreement\nTypical for Market\n\nTXC-B1\n\nDescription of Property Access\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\nReasons Illegal\nImpact\nRebuildable to Current\nDensity/Use\n"} diff --git a/chunks/json/914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16.json b/chunks/json/914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16.json new file mode 100644 index 0000000000000000000000000000000000000000..1262ba676d9220374582fbf91cd81dc4b284dfdf --- /dev/null +++ b/chunks/json/914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8457,"char_start":6596,"chunk_id":"chk_b005d5049bf45e21","chunk_index":4,"chunk_sha256":"914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_46b708b5eb80d6e1","text_sha256":"914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16","token_estimate":465,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2017.pdf"]},"text":"Borrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nCo-Borrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n5 -- No Co-Borrower\n\nCo-Borrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nPage 4 of 5\n\nColumn\n75 CoRace4\n\n76 CoRace5\n\n77 HOEPA\n\n78 LienStatus\n\n79 SpcHsgGoals\n\n80 FedFinStbltyPlan\n\n81 AcqTyp\n\n82 GSEREO\n\nAMA_PUDB_definitions_2016\n\nDefinition\nCo-Borrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n"} diff --git a/chunks/json/9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382.json b/chunks/json/9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382.json new file mode 100644 index 0000000000000000000000000000000000000000..2058eedb336c248667fac28ce92385a7f935317e --- /dev/null +++ b/chunks/json/9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382.json @@ -0,0 +1 @@ +{"chunk":{"char_end":413199,"char_start":411580,"chunk_id":"chk_ec5d2a773eb7c9ac","chunk_index":230,"chunk_sha256":"9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: Cash-out refinance transactions are not eligible for single-closing construction-to-permanent mortgages.\n\nCalculating the LTV Ratio for Single-Closing Construction-to-Permanent Mortgages\n\nSingle-closing construction-to-permanent mortgages are subject to the purchase and limited cash-out refinance maximum LTV,\nCLTV, and HCLTV ratios (based on property type) provided in the Eligibility Matrix, as applicable.\n\nThe LTV ratio calculation differs depending on whether the transaction is a purchase or a limited cash-out refinance, as shown in\nthe table below.\n\nTransaction Type\n\nLot Ownership Requirement\n\nLTV Ratio Calculation\n\nPurchase\n\nThe borrower is not the owner of record of\nthe lot at the time of the first advance of\ninterim construction financing.\n\nDivide the loan amount of the\nconstruction-to-permanent financing by\nthe lesser of:\n\n•\n\nthe purchase price (sum of the\ncost of construction and the sales\nprice of the lot), or\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 168 of 166\n\nUAD 3.6 Policy\n\nTransaction Type\n\nLot Ownership Requirement\n\nLTV Ratio Calculation\n\n•\n\nthe “as completed” appraised\nvalue of the property (the lot and\nimprovements).\n\nThe loan amount of a manufactured home\ncan include all allowable costs as listed\nin Selling Guide B5-2-03, Manufactured\nHousing Underwriting Requirements\n\nLimited Cash-out\nRefinance\n\nThe borrower is the owner of record of the\nlot at the time of the first advance of\ninterim construction financing.\n\nDivide the loan amount of the\nconstruction-to-permanent financing by\nthe “as completed” appraised value of the\nproperty (the lot and improvements).\n"} diff --git a/chunks/json/9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395.json b/chunks/json/9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395.json new file mode 100644 index 0000000000000000000000000000000000000000..1464dae832946769d3e512fd15682b81f4b3c4d0 --- /dev/null +++ b/chunks/json/9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14593,"char_start":10823,"chunk_id":"chk_91f7d4fdf7c5c0dc","chunk_index":6,"chunk_sha256":"9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3c05547914d2d653","text_sha256":"9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395","token_estimate":1205,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____U_S__FEDERAL_HOUSING_jq52sh.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/301&order=field_release_date&sort=asc) Report Attachment January 27, 2026 [U.S. House Price Index - January 2026](/reports/house-price-index/2026/1) [Read Report](/document/MonthlyHPI_January2026.pdf) December 30, 2025 [U.S. House Price Index - December 2025](/reports/house-price-index/2025/12) [Read Report](/document/MonthlyHPI_December2025.pdf) November 25, 2025 [U.S. House Price Index Report - 2025 Q3](/reports/house-price-index/2025/Q3) [Read Report](/document/fhfa-house-price-index-report-2025q3) October 28, 2025 [U.S. House Price Index - October 2025](/reports/house-price-index/2025/10) [Read Report](/document/FHFA-HPI-Monthly_10282025.pdf) September 30, 2025 [U.S. House Price Index - September 2025](/reports/house-price-index/2025/9) [Read Report](/document/FHFA-HPI-Monthly_09302025.pdf) August 26, 2025 [U.S. House Price Index Report - 2025 Q2](/reports/house-price-index/2025/2) [Read Report](/document/fhfa-house-price-index-report-2025q2) July 29, 2025 [U.S. House Price Index - July 2025](/reports/house-price-index/2025/7) [Read Report](/document/FHFA-HPI-Monthly_0729025.pdf) June 24, 2025 [U.S. House Price Index - June 2025](/reports/house-price-index/2025/6) [Read Report](/document/FHFA-HPI-Monthly_06242025.pdf) May 27, 2025 [U.S. House Price Index Report - 2025 Q1](/reports/house-price-index/2025/Q1) [Read Report](/document/fhfa-house-price-index-report-2025q1) April 29, 2025 [U.S. House Price Index - April 2025](/reports/house-price-index/2025/4) [Read Report](/document/fhfa-hpir-monthly-april-2025) March 25, 2025 [U.S. House Price Index - March 2025](/reports/house-price-index/2025/3) [Read Report](/document/fhfa-hpir-monthly-march-2025) February 25, 2025 [U.S. House Price Index Report - 2024Q4](/reports/house-price-index/2024/Q4) [Read Report](/document/FHFA-HPI-Quarterly_02252025.pdf) December 31, 2024 [U.S. House Price Index - December 2024](/reports/house-price-index/2024/12) [Read Report](/document/data/hpi/2024/12) November 26, 2024 [U.S. House Price Index Report - 2024Q3](/reports/house-price-index/2024/Q3) [Read Report](/document/fhfa-house-price-index-report-2024q3) October 29, 2024 [U.S. House Price Index - October 2024](/reports/house-price-index/2024/10) [Read Report](/document/fhfa-hpi-monthly-october-2024) September 24, 2024 [U.S. House Price Index - September 2024](/reports/house-price-index/2024/9) [Read Report](/document/fhfa-hpi-monthly-september-2024) August 27, 2024 [U.S. House Price Index Report - 2024Q2](/reports/house-price-index/2024/Q2) [Read Report](/document/fhfa-house-price-index-report-2024q2) July 30, 2024 [U.S. House Price Index - July 2024](/reports/house-price-index/2024/7) [Read Report](/document/fhfa-hpi-monthly-july-2024) June 25, 2024 [U.S. House Price Index - June 2024](/reports/house-price-index/2024/6) [Read Report](/document/fhfa-hpi-monthly-june-2024) May 28, 2024 [U.S. House Price Index Report - 2024Q1](/reports/house-price-index/2024/Q1) [Read Report](/document/fhfa-house-price-index-report-2024q1) April 30, 2024 [U.S. House Price Index - April 2024](/reports/house-price-index/2024/4) [Read Report](/document/fhfa-hpi-monthly-april-2024) March 26, 2024 [U.S. House Price Index - March 2024](/reports/house-price-index/2024/3) [Read Report](/document/fhfa-hpi-monthly-march-2024) February 27, 2024 [U.S. House Price Index Report - 2023Q4](/reports/house-price-index/2023/Q4) [Read Report](/media/52386) January 30, 2024 [U.S. House Price Index - January 2024](/reports/house-price-index/2024/1) [Read Report](/document/fhfa-hpi-monthly-january-2024) December 26, 2023 [U.S. House Price Index - December 2023](/reports/house-price-index/2023/12) [Read Report](/media/50876)\n"} diff --git a/chunks/json/916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a.json b/chunks/json/916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a.json new file mode 100644 index 0000000000000000000000000000000000000000..c780a4635cb2b1a533de44892b48e02fb331d6d3 --- /dev/null +++ b/chunks/json/916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":495999,"char_start":495070,"chunk_id":"chk_2eb6fbfea14cc302","chunk_index":282,"chunk_sha256":"916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a","token_estimate":445,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2. See PARTI ES / PARTY and @ I DENTIFIER OWNER URI in Section V.\n\nFOR MORE I NFORMATI ON\n\n23.0 Reg §1026.38(r)and (r)-1, pp. 80128, 80360, 80049-80051. Cross reference to Reg §1026.37(k) pp. 80119,\n\n79974.\n\n23.1 Reg §1026.38(r)-2 pp. 80360; 38(r)(1) pp. 80128, 79975; §1026.37(k)(1) p. 80119.\n\n23.2 Reg §1026.38(r)-3 pp. 80360; 38(r)(2) p. 80128.\n\n23.3 Reg §1026.38(r)-4 pp. 80360, 80050; 38(r)(3) pp. 80128; §1026.37(k)-1 pp. 80347, 79975; §1026.37(k)(1) p.\n\n80119.\n\n23.4 Reg §1026.38(r)-5, 6 80360-1; 38(r)(3) p. 80128; §1026.37(k)-2 p. 80347, 79975; §1026.37(k)(1) p. 80119.\n\n23.5: Reg §1026.38(r)-2 pp. 80360; 38(r)(4) p. 80128; §1026.37(k)-3 p. 80347; §1026.37(k)(2) p. 80119.\n\n23.6: Reg §1026.38(r)-4 pp. 80360, 80050; 38(r)(5) p. 80128; §1026.37(k)(2) p. 80119.\n\n23.7: Reg §1026.38(r)-5, 6 80360-1; 38(r)(5) p. 80128.\n\n23.8: Reg §1026.38(r)-7 pp. 80361; 38(r)(6) p. 80128; §1026.37(k)-4 p. 80347; §1026.37(k)(3) p. 80119.\n"} diff --git a/chunks/json/91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c.json b/chunks/json/91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c.json new file mode 100644 index 0000000000000000000000000000000000000000..e00404e8755196c2c971427af998cff5a9d82346 --- /dev/null +++ b/chunks/json/91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5663,"char_start":3906,"chunk_id":"chk_aeea9297861158cd","chunk_index":6,"chunk_sha256":"91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c","token_estimate":439,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"Appendix 1. Protocol for Identifying Unique Final Appraisals in the UAD ............................................. 12\n\nFederal Housing Finance Agency\n\nUAD PUF Version 2.1 Data Documentation\n\n1. Overview\n\nThe Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)—hereinafter referred to as\nthe UAD Appraisal-Level PUF—is a data file created for public users. Two types of the UAD Appraisal-\nLevel PUF are provided:\n\n1. The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative\n\nrandom sample of appraisals for single-family mortgages acquired by the Enterprises. The current\nrelease includes appraisals from 2013 through 2022. It contains selected information from the\nsingle-family UAD.\n\n2. The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random\nsample of appraisals for single-family mortgages insured by the Federal Housing Administration\n(FHA). The current release includes appraisals from 2017 through 2022. It contains selected\ninformation from the single-family UAD.\n\nThe Federal Housing Finance Agency (FHFA) created the UAD Appraisal-Level PUF from the data\nobtained from the Enterprises and the FHA to allow public users the flexibility to produce numerous\nestimates of interest while reducing the likelihood that they could re-identify a borrower, property owner,\nor appraiser.\n\nThis document’s purpose is to provide users with background information on how FHFA created the\nUAD Appraisal-Level PUF. It includes information about the universe of UAD appraisal records, the\nsubset of UAD appraisal records eligible to be included in the UAD Appraisal-Level PUF, disclosure\navoidance, sample design, geographic areas, file structure, and information quality.\n"} diff --git a/chunks/json/91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427.json b/chunks/json/91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427.json new file mode 100644 index 0000000000000000000000000000000000000000..c28ddc819e940e0ab10febf91bb901e323485ed6 --- /dev/null +++ b/chunks/json/91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16575,"char_start":14973,"chunk_id":"chk_cfbb113a4681870c","chunk_index":17,"chunk_sha256":"91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"o Always displays\n\n• Agency Case File ID - AdditionalValuationIdentifier (UID: 2100.0013, FID: HF.006)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0014, FID: Not on report) = \"GovernmentAgency\" AND\n\nGovernmentAgencyAppraisalType = \"FHA\" OR \"VA\"\n\n• Client Reference ID - AdditionalValuationIdentifier (UID: 2100.0011, FID: HF.007)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0012, FID: Not on report) = \"Client\" AND Exists\n\n• AMC Reference ID - AdditionalValuationIdentifier (UID: 2100.0015, FID: HF.008)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0016, FID: Not on report) = \"ManagementCompany” AND Exists\n\nFigure HF - 1\n\nPage 9\n\nSee Appendix E: Report Style Guide for details displaying the footer.\n\nNote: Text can be included in the footer for vendor branding. However, the\n\ntext must not overlap the predefined fields.\n\n01 Subject\nProperty\n\nThe Subject Property section provides overall information including the address, legal description, and ownership rights of the property being\nappraised.\n\nPage 10\n\nThe Subject Property section always displays. (Figure 1 - 1)\n\nRestricted Appraisal Update Report: Subject Property - General Information\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\n2900.0034\n\nMISMO Data Point\nName\nAddressLineText\n\n01.001\n\nPhysical Address\n\n2900.0035\n\nAddressUnitIdentifier\n\nDisplay Rules\n\nAlways displays\nDisplay if exists\nNote: For 2- to 4-unit properties, do not populate unit number in\nPhysical Address. Unit Identifier is included in the Unit Interior section.\n\n01.002\n\nCounty\n\n2900.0036\n2900.0038\n2900.0039\n2900.0037\n"} diff --git a/chunks/json/918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75.json b/chunks/json/918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75.json new file mode 100644 index 0000000000000000000000000000000000000000..965cfb9fb4196f04ed576f89997be4690e03f1da --- /dev/null +++ b/chunks/json/918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75.json @@ -0,0 +1 @@ +{"chunk":{"char_end":87567611,"char_start":0,"chunk_id":"chk_372d3fe83b25f843","chunk_index":0,"chunk_sha256":"918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75","date_utc":"2026-01-27T18:11:26+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_5d337be6c34cc3d2","text_sha256":"918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75","token_estimate":1140,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/ama_pudb_export_123112.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2012 | Loan Number: 1 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0001657902 | Tract: 4201 | MinPer: 38.68 | TraMedY: 129000 | LocMedY: 88024 | Tractrat: 1.4655 | Income: 150000 | CurAreY: 93500 | IncRat: 1.6043 | UPB: 440000 | LTV: 0.62 | MortDate: 2012 | AcquDate: 2012 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 41 | CoAge: 38 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0425 | Amount: 440000 | Front: 0.2572 | Back: 0.2648 | Borrower Credit Score: 4 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2012 | Loan Number: 2 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277566 | Tract: 4043 | MinPer: 26.29 | TraMedY: 230083 | LocMedY: 88024 | Tractrat: 2.6139 | Income: 281196 | CurAreY: 93500 | IncRat: 3.0074 | UPB: 606000 | LTV: 0.57 | MortDate: 2012 | AcquDate: 2012 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 1 | BoAge: 47 | CoAge: 50 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.04 | Amount: 606000 | Front: 0.184 | Back: 0.2583 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 3 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2012 | Loan Number: 3 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277566 | Tract: 4051 | MinPer: 31.95 | TraMedY: 201296 | LocMedY: 88024 | Tractrat: 2.2868 | Income: 160476 | CurAreY: 93500 | IncRat: 1.7163 | UPB: 581000 | LTV: 0.51 | MortDate: 2012 | AcquDate: 2012 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 46 | CoAge: 37 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0425 | Amount: 581000 | Front: 0.3075 | Back: 0.3291 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 1 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2012 | Loan Number: 4 | FHLBankID: Boston | Program: 1 | F\n"} diff --git a/chunks/json/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.json b/chunks/json/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.json new file mode 100644 index 0000000000000000000000000000000000000000..c764eac6691b433c51e74f0033e9d6283c19d8c1 --- /dev/null +++ b/chunks/json/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.json @@ -0,0 +1 @@ +{"chunk":{"char_end":924084,"char_start":922757,"chunk_id":"chk_18de129d3ed3eff2","chunk_index":549,"chunk_sha256":"91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40","token_estimate":462,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field should indicate the HOA Assessment for the comparable property.\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-70 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-72, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nString\n\nThis field should indicate the common elements of the comparable project.\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-72 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nString\n\nThis field should indicate the recreational facilities of the comparable project.\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-74 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n"} diff --git a/chunks/json/919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2.json b/chunks/json/919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2.json new file mode 100644 index 0000000000000000000000000000000000000000..578e832722f118058f176acb879b7b29970550df --- /dev/null +++ b/chunks/json/919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5186,"char_start":3400,"chunk_id":"chk_c95c59d35a5f8f8f","chunk_index":2,"chunk_sha256":"919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2","token_estimate":446,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nRefinance\nJames Borrower\nLauren Lightfoot\nJames Borrower\nLauren Lightfoot\n\nProperty Valuation Method\n\nHybrid Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\nAMC Fee\n\n$0\n$0\n\nPage 2 of 22\nPage 2 of 22\n\nYes No\n \n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nABC Mortgage\n88888 Idle Dr\nSomewhere, MI 91300\n\nImperial AMC\n456 Dorothy St\nAnywhere, IA 23410\n\nBill Smith\nSRA\nSpartacus Appraisals\n123 Main St\nNowhere, CA 90021\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n\nProperty Data Report\n\nName\nOccupation\nCompany Name\nCompany Address\n\nReference ID\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nRichard Real\nReal Estate Agent\nRichard’s Agency\n789 East St\nNowhere, CA 90021\nPR32393510\n\nPhysical\nPhysical\n09/06/2019\n\nAssignment Information and Scope of Work Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property\n\nPhysical Address\n\nAlternate Physical Address\n\nCounty\nNeighborhood Name\n\n201 Underhill Dr, Unit 202\nNowhere, CA 90021\n201 Underhill Dr, Unit 2C\nNowhere, CA 90021\nStar Hills\nEastwood\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n"} diff --git a/chunks/json/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.json b/chunks/json/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.json new file mode 100644 index 0000000000000000000000000000000000000000..959d01f6f8ac33742ebe7694aeae6fab81d040e8 --- /dev/null +++ b/chunks/json/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":266606,"char_start":265007,"chunk_id":"chk_075f5cea6c2e267d","chunk_index":140,"chunk_sha256":"91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"7. 7 SERVI CES BORROWER DI D SHOP FOR\n\nFigure 79 illustrates sample creditor-required services that the borrower shopped for. Examples include pest\ninspections, surveys, title closing agent and title closing protection letter fee. The data points used to provide\nthis information are shown in the table below and are repeated as needed for each line item.\n\nLoan Costs\n\n7.1 A. Origination Charges\n\n7.4 B. Services Borrower Did Not Shop For\n\n7.6 C. Services Borrower Did Shop For\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n7.1.1 $1,802.00\n\n7.4.1 $236.55\n\n7.6.1 $620.50\n\n01 7.7Pest Inspection Fee\n\n7.7.1\n\nto Pests Co.\n\n7.7.2\n\n$120.50 7.7.3\n\n7.7.4\n\n7.7.5\n\n7.7.6\n\n02\n\nTitle–Lender’s Coverage Premium to Epsilon\nTitle Co. (optional)\n\n$500.00\n\nAppendix E: UCD Implementation Guide\n\nPage 121 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nFigure 79. Loan Costs Table – Services Borrower Did Shop For Line Items\n\nThe data points used to provide this information are shown in the table below and are repeated as needed to\nprovide each line item.\n\nTable 97. Services Borrower Did Shop For Line Items\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nOther\n\nFIRST INSTANCE OF FEE\n\nUID\n7.074\n\nUID\n7.110\n\n7.7\n\nN/A - GSE\n\nPest Inspection Fee\n\n7.7\n\nN/A – XML\n\nUID\n7.071\n\n7.7.1\n\nN/A - GSE\n\nPest Inspection Fee\nto Pests Co.\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nFeePaidToTypeOth\nerDescription\n\nLenderAffiliate\n\nFeeType\n"} diff --git a/chunks/json/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.json b/chunks/json/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.json new file mode 100644 index 0000000000000000000000000000000000000000..8c3edd60f4d5eb8a3d0a5f2df40500c4caddfc7c --- /dev/null +++ b/chunks/json/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11480,"char_start":9845,"chunk_id":"chk_02b1a184fe692792","chunk_index":6,"chunk_sha256":"91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf"]},"text":"SequenceNumber values as a proxy for each\nunique instance of PARTY will need to update\ntheir mapping to PartyRoleType for each\nINDIVIDUAL and LEGAL_ENTITY.\n\nRemoved SMART\nDoc® functionality\n\n▪ Unused UCD data points required only\nfor MISMO® SMART Doc functionality\nhave been removed.\n\n▪ Remove the data points and attributes\n\nsupporting MISMO SMART Docs from the\nUCD XML file.\n\n▪ If provided, data supporting SMART Docs will\n\nbe ignored and will not be processed.\n\nAdditional\nInformation\n\n▪ UCD v2.0 Tab 4b-\nRevision Log v1.5-\nv2.0 shows all\ndeleted\nCONTAINERS,\ndata points and\nattributes.\n\n▪ UCD v2.0 CEM,\nPhase 4 tab.\n\n▪ UCD v2.0 Tab 4b-\nRevision Log v1.5-\nv2.0 shows all\ndeleted\nCONTAINERS,\ndata points and\nattributes.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n7\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nChange\n\nDescription\n\nPotential Impact\n\n▪ Review the merged requirements to determine if\n\nsystem and business rules are impacted.\n\nAlign UCD v2.0\nFormat with other\nUMDP Datasets\n\n▪ The columns under Purchase and Non-\nSeller Transactions from UCD v1.5\nspecifying Cardinality, Conditionality,\nConditionality Details and\nImplementation Notes have been\nmerged.\n\n• Where the notation was identical, the values\nin the merged columns did not change.\n\n• Where the notation differed, the merged\ncolumn requirements will appear to be\ndifferent; however, they have not changed.\n\nInclude UCD Phase\n3B Postponed and\nPhase 4 Critical\nEdits\n"} diff --git a/chunks/json/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.json b/chunks/json/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.json new file mode 100644 index 0000000000000000000000000000000000000000..7e213577ed80476d98162759b58f642ea24d4bbb --- /dev/null +++ b/chunks/json/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":293928,"char_start":292230,"chunk_id":"chk_6c82829542f85f48","chunk_index":253,"chunk_sha256":"91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"14.002\n\nInground Pool\n Inground Spa\n Outdoor Shower\n Sauna\n\n0200.0032\n\nAmenityType\n\nWhen AmenityCategoryType = “WaterFeatures”, display the amenity type\n(AmenityType = “IngroundPool” OR “IngroundSpa” OR “OutdoorShower” OR “Sauna”)\n\n14.001\n\nWhole Home\n\n0200.0034\n\nAmenityCategoryType\n\n14.002\n\nEV Station\n Elevator\n Fire Suppression System\n Indoor Fireplace\n Multiple-Zone HVAC\n Smart Home System\n Whole House Ventilation\n Wood Stove\n\n0200.0039\n\nAmenityType\n\nDisplay “Whole Home” when PropertyAmenityExistsIndicator = “true” AND\n(AmenityType = \"ElectricVehicleChargingStation\" OR \"Elevator\" OR\n\"FireSuppressionSystem\" OR \"IndoorFireplace\" OR\n\"MultipleZoneHeatingVentilationAndAirConditioning\" OR \"SmartHomeSystem\" OR\n\"WholeHouseVentilation\" OR \"WoodStove\")\n\nWhen AmenityCategoryType = “WholeHome”, display the amenity type\n(AmenityType = “ElectricVehicleChargingStation” OR “Elevator” OR\n“FireSuppressionSystem” OR “IndoorFireplace” OR\n“MultipleZoneHeatingVentilationAndAirConditioning” OR “SmartHomeSystem” OR\n“WholeHouseVentilation” OR “WoodStove”)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nAmenity Category/Amenity Type\n\nUnique ID\n\nSubject Property Amenities: General Information\n\nMISMO Data Point\nName\n\nDisplay Rules\n\n14.001\n\nMiscellaneous\n\n0200.0041\n\nAmenityCategoryType\n\nDisplay “Miscellaneous” when PropertyAmenityExistsIndicator = “true” AND\n(AmenityType = \"ClubMembership\" OR \"SharedLaundryFacilities\" OR \"UnitStorage\" OR\n\"Other\")\n\n14.002\n\nAirstrip\n Club Membership\n Shared Laundry Facilities\n\n0200.0046\n\nAmenityType\n\nWhen AmenityCategoryType = “Miscellaneous”, display the amenity type\n(AmenityType = “AirStrip” OR “ClubMembership” OR “SharedLaundryFacilities”)\n"} diff --git a/chunks/json/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.json b/chunks/json/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.json new file mode 100644 index 0000000000000000000000000000000000000000..08769af4db93db3f6a4daae497528e28f19fa086 --- /dev/null +++ b/chunks/json/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":422742,"char_start":420601,"chunk_id":"chk_e10a60dbd8abff68","chunk_index":235,"chunk_sha256":"91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3","token_estimate":535,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"See SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements for additional information.\n\nRequalification Requirements\n\nRequalification of the borrower(s) is required at the time of conversion to permanent financing if\n\nthe LTV ratio increased due to a decline in property value,\n\n•\n• updated credit documents were obtained, or\n•\n\nas otherwise required per the modified loan term in the table above.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 171 of 166\n\nUAD 3.6 Policy\n\nTo be eligible for purchase by Fannie Mae, the loan must retain an Approve/Eligible recommendation after resubmission to DU\n(or, be eligible per the Eligibility Matrix if manually underwritten).\n\nWhen requalification is required\n\n•\n•\n\n•\n\nthe LTV ratio must be adjusted based on the new appraisal;\nif credit documents exceed the four (or 18) month age of documentation requirement, the updated income, credit, and\nliability information must be considered; and\nthe loan data at delivery must match the data considered in the final requalification of the loan.\n\nLoan Conversion Documentation Options\n\nThe construction loan may be converted into a permanent loan in either of the following ways:\n\n• Option 1: A construction loan rider must be used to modify Fannie Mae’s uniform instrument that will be used for the\n\npermanent loan. The rider must state the construction loan terms, and the construction-related provisions of the rider\nmust become null and void at the end of the construction period and before the permanent loan is sold to Fannie Mae.\nBecause the permanent loan cannot be sold before it is scheduled to begin amortizing, the lender will need to amend the\nconstruction loan rider, and the accompanying uniform instrument, if the construction is completed sooner or later than\noriginally anticipated. The amendment(s) should provide the new dates on which amortization for the permanent loan\nwill begin and end. The lender also will need to record the amended documents before the permanent loan is sold.\n• Option 2: A separate modification agreement must be used to convert the construction loan into permanent financing.\n"} diff --git a/chunks/json/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.json b/chunks/json/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.json new file mode 100644 index 0000000000000000000000000000000000000000..84ad1568f90a633123aa0058b0a56a23c60a0b6a --- /dev/null +++ b/chunks/json/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30144,"char_start":28342,"chunk_id":"chk_8d3cda1eb6586651","chunk_index":15,"chunk_sha256":"91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The HUD Data Plate is a paper document located on the interior of the subject property that contains,\namong other things, the manufacturer’s name and trade/model number. In addition to the data required\nby Fannie Mae, the Data Plate includes pertinent information about the unit, including a list of factory-\ninstalled equipment. The HUD Certification Label(s), sometimes referred to as a HUD “seal” or “tag,” is a\nmetal plate located on the exterior of each section of the home. The Uniform Residential Appraisal Report\nmust have photos of either the HUD Data Plate or the HUD Certification Label(s).\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 12 of 166\n\nUAD 3.6 Policy\n\nAs an alternative to the original HUD Certification Label(s) or the HUD Data Plate, the lender must obtain\neither a label verification letter with the same information contained on the HUD Certification Label(s) or\nduplicate HUD Data Plate from the Institute for Building Technology and Safety (IBTS). A duplicate HUD\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 13 of 166\n\nUAD 3.6 Policy\n\n✓\n\nRequirements\n\nData Plate may also be available by contacting the In-Plant Primary Inspection Agency (IPIA) or the\nmanufacturer. (A list of IPIA offices is posted on HUD’s website.)\n\nThe unit must not have been previously installed or occupied at any other site or location, except from the\nmanufacturer or the dealer’s lot as a new unit.\n\nThe manufactured home must be a one- to four-unit dwelling that is legally classified as real property and\ncan include only one accessory dwelling unit. See SB2-3-04, Special Property Eligibility Considerations for\nadditional information. See SB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-\nBuilt Housing for ADU requirements for MH Advantage.\n"} diff --git a/chunks/json/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.json b/chunks/json/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.json new file mode 100644 index 0000000000000000000000000000000000000000..dddd74c91bb4be7283a4f572e82156f0906abb66 --- /dev/null +++ b/chunks/json/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5059,"char_start":3448,"chunk_id":"chk_85991ccc1cf6be4b","chunk_index":2,"chunk_sha256":"91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3","date_utc":"2026-01-27T17:46:24+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e5501f422313448a","text_sha256":"91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (4).pdf"]},"text":"5\n\nHow Can This Initiative Help the Industry?\n\nS\nT\n\nI\n\nF\nE\nN\nE\nB\n\nL\nL\nA\nR\nE\nV\nO\n\nExpand scope of UAD to\ncover all property types.\n\nGet better appraisal\nquality and compliance.\n\nCreate potential opportunities\nto reduce required capital\nreserves for lenders.\n\nReduce subjectivity to\nenhance impartiality\nthrough discrete data\nversus free-form text.\n\nIdentify Uniform Standards\nof Professional Appraisal\nPractice (USPAP) compliance\npoints more easily.\n\nReplace multiple appraisal forms\nwith a single dynamic report.\n\nM A R C H 2 0 2 3\n\n6\n\nHow Can This Initiative Help the Industry?\n\n1\n\nOne Dynamic Report\n\nü Increase flexibility with a dynamic scope\n\nof work to cope with unforeseen\nchallenges (e.g., COVID).\n\nü Minimize lender review times with\n\nstreamlined GSE scoring on all property\ntypes.\n\nü Simplify documentation of atypical\n\nproperties (e.g., 2-4 unit condos, site\ncondos, etc.).\n\nü Allow lenders and investors to\n\neasily address and adapt to industry-\nwide issues.\n\n2\n\nData Standardization\n\nü Introduce flexibility to facilitate future\nappraisal modernization projects.\n\nü Increase lender productivity through\nmachine-readable data that better\nidentifies key risk indicators.\n\nü Reduce repurchase risk with objective\nenumerations of property condition.\n\n3\n\nImproved Review Process\n\nü Identify more risk indicators with\nmore discrete data and less\nfreeform text to more efficiently\nroute internal reviews.\n\nü Better clarify adverse items and\n\ntheir severity to preserve\nrepresentation and warranty relief.\n\nü Decrease staffing costs through a\nreduction in correction requests.\n\nü Manage risk with clearer\n"} diff --git a/chunks/json/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.json b/chunks/json/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.json new file mode 100644 index 0000000000000000000000000000000000000000..6840131baecaf44ec013948073ef35720258cd46 --- /dev/null +++ b/chunks/json/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_478cdbd649647039","chunk_index":0,"chunk_sha256":"91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_755fd4ce20691826","text_sha256":"91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Program___FHFA_rjdacs.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/duty-to-serve\"\ndate_accessed: \"2026-01-27T17:47:58.679Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.json b/chunks/json/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.json new file mode 100644 index 0000000000000000000000000000000000000000..ecc385d47a7d1b39ca3d61ed669a8552a48dd499 --- /dev/null +++ b/chunks/json/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8632,"char_start":7082,"chunk_id":"chk_8023e5d3ff000878","chunk_index":4,"chunk_sha256":"91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_804a7fc1535bc1e6","text_sha256":"91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Conforming_Loan_Limit_Values___FHFA_94vzus.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# FHFA Conforming Loan Limit Values\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - FHFA Conforming Loan Limit Values\n\nFannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans.\n"} diff --git a/chunks/json/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.json b/chunks/json/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.json new file mode 100644 index 0000000000000000000000000000000000000000..0282c9c7a2e9a1d0fd777e182a8afd5d187a9a33 --- /dev/null +++ b/chunks/json/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13777,"char_start":12252,"chunk_id":"chk_5d2243af67da1f04","chunk_index":7,"chunk_sha256":"91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_16420b94ef371d43","text_sha256":"91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee","token_estimate":513,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Pu_alr1i.md"]},"text":"**C​​onta​ct**\n\nIf you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov).\n\n*Page last updated: February 4, 2025​​​​​​*\n\n- **Presentations**\n\n[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​\n\n**Other Data**\n\n[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.json b/chunks/json/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.json new file mode 100644 index 0000000000000000000000000000000000000000..6306bef85c2c42e3f35eef810eaf702f526e7bbb --- /dev/null +++ b/chunks/json/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":725576,"char_start":723843,"chunk_id":"chk_47af56b85343880e","chunk_index":432,"chunk_sha256":"91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n•\n•\n•\n\nAs Is\nSubject to Completion Per Plans\nSubject to Inspection\nSubject to Repair\n\nNotes:\n•\n•\n\n•\n\n•\n\nIf Market Value Condition is As Is, no other conditions can be applied.\nIf Recommended Action is Completion, Inspection, or Repair in the Defect,\nDamages, Deficiencies subsection, the report must be made subject to\nthe resolution of the item (Market Value Condition cannot be As Is).\nIf Market Value Condition is Subject to Repair, there must be at least one\nitem in the Defect, Damages, Deficiencies subsection with Recommended\nAction of Repair.\nIf Market Value Condition is Subject to Inspection, there must be at least\none item in the Defect, Damages, Deficiencies subsection with\nRecommended Action of Inspection.\n\n26.013\n\nFinal Value\nCondition\nStatement\n\nDisplays if Market\nValue Condition is not\nAs Is\n\nN/A\n\nVariations of this sentence display based on the value condition(s) provided in\nMarket Value Condition.\n\nAllowable Answer\n\nAs Is\n\nMarket Value Condition (Choose all that apply)\n\nDefinition / Additional Guidance\n\nOpinion of Market Value is based on the property in its current state as of the appraisal report effective date. The\nappraiser has not employed any hypothetical conditions or extraordinary assumptions.\n\nNote: If this answer is selected, Final Value Condition Statement (26.013) does not display, and no other conditions can be\napplied.\n\nSubject to Completion Per\nPlans\n\nOpinion of Market Value is based on the hypothetical condition that the improvements have been completed per plans\nand specifications as of the appraisal report effective date.\n\nNote: If this answer is selected, the standard Subject to Completion Per Plans language displays as part of the Final Value\nCondition Statement (26.013).\n"} diff --git a/chunks/json/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.json b/chunks/json/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.json new file mode 100644 index 0000000000000000000000000000000000000000..51c6591b78677c72fd142800a4bb7dd20b7d7460 --- /dev/null +++ b/chunks/json/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":236347,"char_start":234721,"chunk_id":"chk_3f13196e4536c7a3","chunk_index":121,"chunk_sha256":"9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Includes Closing Costs. See Calculating Cash to Close on page 3\nfor details.\n6.2.2 From To Borrower\n\nFigure 74. Cash to Close for a Non-Seller Transaction – Cash to Borrower\n\nThe data points providing 6.2.1 Cash to Close amount and 6.2.2 To Borrower are shown in the table below.\nNote that if cash were due from the borrower at closing, the data point CashFromBorrowerAtClosingAmount\nwould be used.\n\nTable 92. Cash to Close for a Non-Seller Transaction – Cash to Borrower\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n6.2.1 |\n6.2.2\n\nCash to Close ($)\n\n…/CLOSING_INFOR\nMATION_DETAIL\n\nCashToBorrowerAt\nClosingAmount\n\n14147.26\n\nROF as $14,147.26\nand To Borrower\n\n□From To\nBorrower\n\nAppendix E: UCD Implementation Guide\n\nPage 107 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED\n\n7.0 - 9.0 CLOSING COST DETAILS TABLES OVERVIEW - UPDATED\n\n“Closing costs” are the costs to both the borrower and seller (if applicable) related to the consummation of the\ncredit transaction and the closing of the real estate transaction. Table 93 identifies the Closing Disclosure\nvariations that include Closing Cost Details sections.\n\nTable 93. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section\nName\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\n7.0\n\n8.0\n\n9.0\n\nLoan Costs Table\n(A – D)\n\nSeller-Paid Columns Only for fees & real\nestate commissions for both agents\n\nOther Costs Table\n(E – I)\n\nSeller-Paid Columns Only for fees & real\nestate commissions for both agents\n"} diff --git a/chunks/json/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.json b/chunks/json/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.json new file mode 100644 index 0000000000000000000000000000000000000000..d85ae83f06ae357a0c00eebb9d828d84e396009d --- /dev/null +++ b/chunks/json/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5416,"char_start":3502,"chunk_id":"chk_7e893b7abfbe94f5","chunk_index":2,"chunk_sha256":"920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1","token_estimate":479,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"▪ PERS Required for new projects in Florida: The message will specify that the project is required to be submitted\nfor consideration under the Project Eligibility Review Service (PERS) process and must have a valid Approved by\nFannie Mae status in CPM as of the note date.\n\n▪ Unavailable: The message will list the specific reason(s) the project has an Unavailable status in CPM. This project\n\nstatus will cause DU to issue an Ineligible recommendation.\n\nDU will return the following lender-specific status messages when there is no Fannie Mae decision in CPM:\n\n▪ Not Certified by Lender: The message will indicate that a Full Review with a valid Certified by Lender status is\n\nrequired.\n\n▪ Certified by Lender: The message will indicate that the lender currently has an active Certified by Lender status.\n\n▪ Guide Ineligible: The message will indicate that the lender currently has a Guide Ineligible status for this project in\n\nCPM, and a Full Review with a valid Certified by Lender status is required.\n\n▪ Guide Ineligible and Certified by Lender: The message will indicate that the lender currently has Certified by\n\nLender and Guide Ineligible statuses for different phases in this project, and a Full Review with a valid Certified by\nLender status for the project or subject phase is required.\n\nCPM Delivery Restrictions\n\nCPM delivery restrictions will be specified in the DU Underwriting Findings report. Loan casefiles that do not meet the delivery\nrestrictions in place on the project, specifically exclusions on occupancy types, loan purpose, or LTV/CLTV requirements, will\nreceive an Ineligible recommendation. The message will specify the delivery restriction that is causing the Ineligible\nrecommendation. For example, if loans in a project are limited to certain occupancy types or LTV ratios (e.g., principal residences\nonly or maximum LTV ratios of 90%), the message will specify those limitations.\n"} diff --git a/chunks/json/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.json b/chunks/json/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.json new file mode 100644 index 0000000000000000000000000000000000000000..6f2825ac646a69491db3b5224809877edec1285c --- /dev/null +++ b/chunks/json/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":682239,"char_start":680618,"chunk_id":"chk_72bddc66109cdec0","chunk_index":406,"chunk_sha256":"9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nIncome Approach: Gross Rent Multiplier Comparables\n\nReport\nField ID\n\n24.011\n\nProximity to\nSubject\n\nAlways\n\nRequired if Proximity\nto Subject is not 0\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDirection from Subject\nto Comparable is only\napplicable to\ncomparables\n\nNo\n\nNo\n\nNo\n\nNo\n\nDirection from Subject to Comparable\n•\nE\n•\nN\n•\nNE\n•\nNW\n•\nS\n•\nSE\n•\nSW\n• W\n\nNumber of separate living units on the property, not counting any ADUs.\nADUs are entered in a separate field but are considered in the overall\nunit count.\nExamples:\n•\n\nA single-family property (with or without an ADU) is reported as 1\nunit in this field.\nA three-unit property (with or without an ADU) is reported as 3\nunits in this field.\n\n•\n\nNumber of ADUs on Property\nNotes:\n•\n•\n\nEnter zero (0) if there are no ADUs on the property.\nADUs may be in the dwelling, attached to the dwelling, or\nassociated with a separate building (outbuilding).\n\nTotal Gross Building Finished Area for Property\nGross Building Finished Area (GBFA) for all dwellings regardless of grade\nlevel and whether the finished area is standard or nonstandard; includes\ncommon finished areas, ADUs (in dwellings), and below grade finished\nareas.\n\nNote: Does not include unfinished area.\n\nNo\n\nProperty Subject to Rent Control: Indicates whether the property is\nsubject to rent control.\n\n24.001\n24.012\n\nUnits\nExcluding\nADUs\n\nAlways\n\nAlways required\n\nNumber\n\nSubject Property\n•\n\nUnits Excluding\nADUs 3.005\n\n24.002\n24.013\n\nAccessory\nDwelling Units\n"} diff --git a/chunks/json/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.json b/chunks/json/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.json new file mode 100644 index 0000000000000000000000000000000000000000..ebf4e20cc2eb82167c0cc82110de8700dfc06cc6 --- /dev/null +++ b/chunks/json/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.json @@ -0,0 +1 @@ +{"chunk":{"char_end":985212,"char_start":983519,"chunk_id":"chk_75ebb29f12349e76","chunk_index":587,"chunk_sha256":"921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"APPRAISER\nCERTIFICATION\n\nAppraiser\nExpiration Date of Certifiction or\nLicense\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/\n@_ExpirationDate\n\n506\n\n6\n\n19\n\nAPPRAISER\nCERTIFICATION\n\nADDRESS OF PROPERTY\nAPPRAISED\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n\n70\n\n2\n\n10\n\n50\n\n55\n\n10\n\n10\n\n50\n\n50\n\n25\n\n2\n\n12\n\n45\n\n507\n\n6\n\n20a\n\nAPPRAISER\nCERTIFICATION\n\nUnit #\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier\n\n12\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• City\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• USPS two-letter state or territory representation\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• 5-digit ZIP Code or ZIP+4 code\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field should contain the entire telephone number, including area code.\n\nFree text – should contain the appraiser's email address.\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\nNote: This data is referenced more than once on the form (field 3-133) and must be\nrepresented consistently.\n"} diff --git a/chunks/json/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.json b/chunks/json/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.json new file mode 100644 index 0000000000000000000000000000000000000000..c0f6a779127274ef639ae637a63994cd408f3760 --- /dev/null +++ b/chunks/json/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1121734,"char_start":1120034,"chunk_id":"chk_e8acbe18026b5d11","chunk_index":666,"chunk_sha256":"92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\n5\n\n6\n\n7\n\n8\n\n9\n\n10\n\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\nSALES\nCOMPARISON\nAPPROACH\n\nNumber of Comparable Listings\n\nComparable Listings\nResearched Count\n\nSpecifies the total number of comparable\nproperty listings researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@ComparableListingsResearchedCount\n\nComparable Listings Price\nRange\nLow\nComparable Listings Price\nRange\nHigh\n\nComparable Listings\nPrice Range Low\nAmount\nComparable Listings\nPrice Range High\nAmount\n\nSpecifies the low listing value in the\nrange of values within the group of\ncomparable listing properties researched.\nSpecifies the high listing value in the\nrange of values within the group of\ncomparable listing properties researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@ComparableListingsPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@ComparableListingsPriceRangeHighAmount\n"} diff --git a/chunks/json/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.json b/chunks/json/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.json new file mode 100644 index 0000000000000000000000000000000000000000..840d68f4bf05077811fdb7ce22e5cc8e4fddd10c --- /dev/null +++ b/chunks/json/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.json @@ -0,0 +1 @@ +{"chunk":{"char_end":201212,"char_start":199615,"chunk_id":"chk_a21adc3036fd3799","chunk_index":117,"chunk_sha256":"922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Vehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached 626 Sq. Ft.\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached\n\nDriveway | 4 | Asphalt\nGarage | 2 | Attached\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached\n\n$10,000\n\n$895,000\n\n$895,000\n\n$905,000\n\n—\n\n$905,000\n\n$(5,500)\n\n$566\n\n$899,500\n\nLess\n\n$827,000\n\n—\n\n$835,000\n\n$83,650\n\n$619\n\n$918,650\n\nLess\n\n$899,000\n\n—\n\n$905,000\n\n$(12,250)\n\n$548\n\n$892,750\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$900,000\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 16 of 24\nPage 16 of 24\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\n8675309 Jenny Ln\nAnytown, IL 54321\n\n23412 Josephine St\nAnytown, IL 54321\n\nThis is where the Dwelling\nFront photo would display.\n\nThis is where the\nComparable 4 photo\nwould display.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nTransfer Terms\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSame Builder as Subject\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nCommon Amenities/Services\n\nSite\n\nSite Owned in Common\n\nSite Size\n\nNeighborhood Name\n\nSite Influence (Location)\n"} diff --git a/chunks/json/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.json b/chunks/json/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.json new file mode 100644 index 0000000000000000000000000000000000000000..a470a62406331e83c49d003bde4c6580b2d102e0 --- /dev/null +++ b/chunks/json/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1635,"char_start":0,"chunk_id":"chk_ad2406dfdfe727a8","chunk_index":0,"chunk_sha256":"923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix B-2: Restricted Appraisal Update Report Implementation Guide\nDocument Version 1.3\nJune 10, 2025\n\nRevision History\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.\n©2025 Freddie Mac and Fannie Mae. Trademarks of the respective owners.\n\nPage 2\n\nDate\n\nVersion\nNumber\n\nChange #\n\niGuide Chapter\n\nRevision Description\n\n06/10/2025\n\n1.3\n\n2025-021\n\nSubject Property\n\nClarified PropertyPhoto display rules\n\n09/17/2024\n\n1.2\n\n2024-028\n\nHeader and Footer\n\nUpdated DocumentFormIssuingEntityVersionIdentifier\n\n2024-044\n\nHeader and Footer\n\nAdded information for allowing additional text in the footer\n\n12/12/2023\n\n1.1\n\n2023-003\n\nCertifications and Scope of\nWork\n\nUpdated predefined text for Scope of Work\nUpdated Appraiser Cert 13\nUpdated Supervisory Appraiser Certs\n\n2023-061\n\nHeader and Footer\n\nUpdated DocumentFormIssuingEntityVersionIdentifier\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nPage 3\n\nTable of Contents\n\nRevision History _____________________________________________________________________________________________________________ 1\n\nTable of Contents ____________________________________________________________________________________________________________ 3\n\nIntroduction ________________________________________________________________________________________________________________ 5\n\nOverview __________________________________________________________________________________________________________________ 5\n"} diff --git a/chunks/json/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.json b/chunks/json/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.json new file mode 100644 index 0000000000000000000000000000000000000000..49f6fddbcff4193c88d27f9131e58241e4ae5bf4 --- /dev/null +++ b/chunks/json/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9507,"char_start":7078,"chunk_id":"chk_79b44e04e663e57a","chunk_index":4,"chunk_sha256":"9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_548d208d915f8a07","text_sha256":"9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7","token_estimate":605,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Underserved_Areas_Data___FHFA_vt5vr.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# Underserved Areas Data\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Underserved Areas Data\n\n## Low-Income Areas and Designated Disaster Areas Data​\n\nThe Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) provides for the establishment of single-family and multifamily goals each year, including a single-family purchase money mortgage goal for families residing in low-income areas. The Safety and Soundness Act defines \"low-income area\" as: (a) census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI), (b) families with income not greater than 100 percent of AMI who reside in minority census tracts, and (c) families with income not greater than 100 percent of AMI who reside in designated disaster areas. A “minority census tract” is a census tract that has a minority population of at least 30 percent and a median income of less than 100 percent of the AMI. Census tract level data identifying these areas are available below for 2010 and 2011 based on 2000 Census tract geography, for 2012 through 2021 based on 2010 Census tract geography, and for 2022 and subsequent years based on 2020 Census tract geography.\n"} diff --git a/chunks/json/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.json b/chunks/json/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.json new file mode 100644 index 0000000000000000000000000000000000000000..5df2a474fd6594d3f526e7e4da67f418b60ad2b0 --- /dev/null +++ b/chunks/json/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16829,"char_start":15467,"chunk_id":"chk_530badae14175dbb","chunk_index":7,"chunk_sha256":"925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"SB4-1.3-05, Dwelling Exterior, Unit Interior, and\nOutbuilding Sections of the Appraisal Report\n(06/04/2025)\n\nB4-1.3-06, Property Condition and Quality of\nConstruction of the Improvements (06/04/2025)\n\nSB4-1.3-06, Dwelling Condition and Quality of\nConstruction (06/04/2025)\n\nB4-1.3-07, Sales Comparison Approach Section of\nthe Appraisal Report (06/04/2025)\n\nSB4-1.3-07, Sales Comparison Approach Section of\nthe Uniform Residential Appraisal Report\n(06/04/2025)\n\nB4-1.3-08, Comparable Sales (06/04/2025)\n\nSB4-1.3-08, Comparable Sales (06/04/2025)\n\nB4-1.3-09, Adjustments to Comparable Sales\n(06/04/2025)\n\nSB4-1.3-09, Adjustments to Comparable Sales\n(06/04/2025)\n\nB4-1.3-10, Cost and Income Approach to Value\n(06/04/2025)\n\nSB4-1.3-10, Cost and Income Approaches to Value\n(06/04/2025)\n\nB4-1.3-11, Valuation Analysis and Reconciliation\nReport (06/04/2025)\n\nSB4-1.3-11, Valuation Analysis and Reconciliation\n(06/04/2025)\n\nB4-1.3-12, Appraisal Quality Matters (09/03/2025)\n\nSB4-1.3-12, Appraisal Quality Matters (09/03/2025)\n\nB4-1.4-01, Factory-Built Housing: Manufactured\nHousing (09/03/2025)\n\nSB4-1.4-01, Factory-Built Housing: Manufactured\nHousing (09/03/2025)\n\nB4-1.4-05, Leasehold Interests Appraisal\nRequirements (06/04/2025)\n\nSB4-1.4-05, Leasehold Interests Appraisal\nRequirements (06/04/2025)\n\nB4-1.4-06, Community Land Trust Appraisal\nRequirements (06/04/2025)\n"} diff --git a/chunks/json/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.json b/chunks/json/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.json new file mode 100644 index 0000000000000000000000000000000000000000..a97f3cd208346b4eab28db596a5d81ab221db3b1 --- /dev/null +++ b/chunks/json/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.json @@ -0,0 +1 @@ +{"chunk":{"char_end":539463,"char_start":537836,"chunk_id":"chk_db12be4ea6baa253","chunk_index":320,"chunk_sha256":"9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Water Frontage (For Each Body of Water With Private Access)\n\n22.04.01\n22.04.06\n\nWater\nFrontage\n\nRequired for each\nbody of water with\nprivate access\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nWhen the\nsubject or any\ncomparable\nhas private\naccess to one\nor more\nbodies of\nwater\n\nSite\n•\n\nBody of Water\nType 4.034\n\nNo\n\nBay\nCanal\nCove\nCreek\nGulf\nLake\n\n•\n•\n•\n•\n•\n•\n• Marsh\n•\nOcean\n•\nPond\n•\nReservoir\n•\nRiver\n•\nSound\n•\nOther (Describe)\n\nNotes:\n•\n\nIf the property has water frontage on multiple bodies of water,\nthey display in the same cell separated by “|”.\n\n• When included, provides support for the Water Frontage with\n\nPrivate Access adjustment (22.04.05).\n\nAppendix F-1: URAR Reference Guide\n\nPage 235 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Water Frontage (For Each Body of Water With Private Access)\n\n22.04.01\n22.04.06\n\nWater\nFrontage\n\n22.04.01\n22.04.06\n\nWater\nFrontage\n\nWhen subject\nor any\ncomparable\nhas private\naccess to one\nor more\nbodies of\nwater\n\nWhen subject\nor any\ncomparable\nhas private\naccess to one\nor more\nbodies of\nwater\n\nIf relevant for each\nbody of water with\nprivate access\n"} diff --git a/chunks/json/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.json b/chunks/json/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.json new file mode 100644 index 0000000000000000000000000000000000000000..c7336dc0bc0afde1cb20fcb9210d7e455aa64562 --- /dev/null +++ b/chunks/json/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":407560,"char_start":405947,"chunk_id":"chk_86cc873ecb5e1281","chunk_index":235,"chunk_sha256":"9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"0–90 days\n09/20/2019\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a\nhypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment\nresults.\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 18 of 21\nPage 18 of 21\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nLocation\n\nDescription\n\nRoof\n\nSection of Roof\n\nRoof is significantly worn and has\ndamaged flashing, but no apparent\nactive leaks.\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nEstimated Cost to\nRepair\n\nYes\n\nRepair\n\n$1,500\n\nUnit Interior\n\nFlooring\n\nDining Room\n\nCarpet is stained in one corner of the\nDining Room.\n\nNo\n\nNone\n\nTotal Cost\n\n$1,500\n\nAs Is Overall Condition Rating\n\nC5\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 19 of 21\nPage 19 of 21\n"} diff --git a/chunks/json/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.json b/chunks/json/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.json new file mode 100644 index 0000000000000000000000000000000000000000..3b25c7796a52c7fdcf10b29ca1680741957f5567 --- /dev/null +++ b/chunks/json/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44812,"char_start":43201,"chunk_id":"chk_b36c93c7ab2ac764","chunk_index":22,"chunk_sha256":"926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"field.\n\nIdentification of Data Term Name Change from Previous Version\nData Point: LoanProgramAffordableIndicator\nDefinition: When true, indicates that the loan is classified as an affordable loan by\n\nthe lender or the investor.\n\nApp Info: Deprecated: replaced with Loan Affordable Indicator.\n\nNotes: The App Info column provides additional information about the use or\n\nhistory of the data point.\n\n6. Type\n\nEvery data point has an associated MISMO data “Type,” which is consistent with the\ndata point’s Class Word. The Type identifies the category of information this data\npoint represents. There are more than 20 Types in the V3.0 Reference Model, ranging\nfrom Amount to Numeric to Year. In the LDD, data points with enumerated lists--\nending in a Class Word of “Type”--have a Type of .\n\nULDDS Appendix A uses a subset of the MISMO data Types. These are identified\nand defined in Section I in the “Format” row of the XML Data Points Table Column\nHeadings and Descriptions table.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 14 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nExample III-7. MISMO LDD Data Point Type.\n\nData Point: PropertyValuationAmount\nDefinition: Statement of property’s value from a valid property valuation source.\nType: MISMOAmount\n\nData Point: AttachmentType\n\nDefinition: Specifies the type of physical attachment, if any, between the\ndwelling unit and adjacent dwelling units.\n\nEnumerations:\n Attached\n Detached\n SemiDetached\n"} diff --git a/chunks/json/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.json b/chunks/json/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.json new file mode 100644 index 0000000000000000000000000000000000000000..92c5e90a99e81b9b9a6bca932bfce697e6dd29cf --- /dev/null +++ b/chunks/json/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1726,"char_start":0,"chunk_id":"chk_b615e12776d2c4e1","chunk_index":0,"chunk_sha256":"927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_990db9eeebd2ed16","text_sha256":"927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Translations___FHFA_wey6gd.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations\"\ndate_accessed: \"2026-01-27T17:54:20.736Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.json b/chunks/json/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.json new file mode 100644 index 0000000000000000000000000000000000000000..64cfc870c05786fbca52cf652b321f8f1a9c4d91 --- /dev/null +++ b/chunks/json/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34126,"char_start":34036,"chunk_id":"chk_d405ed84dd8832e0","chunk_index":20,"chunk_sha256":"927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef","token_estimate":22,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf","below_target_min_tokens"]},"text":"Freddie Mac Form 70H July 2020\n\n226\n\nPage 6 of 6\n\nFannie Mae Form 1004 Hybrid July 2020\n"} diff --git a/chunks/json/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.json b/chunks/json/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.json new file mode 100644 index 0000000000000000000000000000000000000000..60f901004e04de04f0bb23824faba1e3691f083d --- /dev/null +++ b/chunks/json/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29769,"char_start":28376,"chunk_id":"chk_3e54ff4a70ff8100","chunk_index":7,"chunk_sha256":"927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1d287c681abb2186","text_sha256":"927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Integrated_Vendor_List___Fannie_Mae_mb141.md"]},"text":"###### Other Sites\n\n- [Fannie Mae's Consumer Website](https://www.fanniemae.com/)\n - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)\n - [HomePath](https://www.homepath.com/)\n\n.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }\n\njQuery(document).ready(function () { jQuery('a[href^=\"#\"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });\n\n## Social media\n\n- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)\n - [Facebook](https://www.facebook.com/fanniemae)\n - [Instagram](https://instagram.com/officialfanniemae)\n - [X (formerly Twitter)](https://twitter.com/FannieMae)\n\n## Footer menu\n\n- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)\n - [Careers](https://careers.fanniemae.com/main)\n - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)\n - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)\n - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)\n - [Cookie Preferences](javascript:void(0);)\n"} diff --git a/chunks/json/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.json b/chunks/json/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.json new file mode 100644 index 0000000000000000000000000000000000000000..f84894c27b2dc02457b734dc8ace8be542f674c3 --- /dev/null +++ b/chunks/json/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53043,"char_start":51337,"chunk_id":"chk_a29523000b8cdcac","chunk_index":27,"chunk_sha256":"9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":" Used in: INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE as:\n\nAdjustmentRuleType\n\n Used in:\n\nPRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE\nas: AdjustmentRuleType\n\n Used in:\n\nPRINCIPAL_AND_INTEREST_PAYMENT_PERIODIC_ADJUSTMENT_RULE as:\nAdjustmentRuleType\n\n Used in: RATE_OR_PAYMENT_CHANGE_OCCURRENCE as:\n\nAdjustmentRuleType\n\nNotes: The data point AdjustmentRuleType is used in four different containers.\n\nf\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 18 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\na. Reusable Data Points in Unique Containers\n\nIf the data point is re-used in uniquely named containers, as is the case with\nAdjustmentRuleType in the example above, then all that is needed is the parent\ncontainer name to uniquely identify the data point.\n\nExample III-11. Repeatable Data Points in Unique Containers.\n\n\n\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE: AdjustmentRuleType --\nSpecifies whether the occurrence of the adjustment is the first change or a\nsubsequent change.\n\n PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE:\n\nAdjustmentRuleType -- Specifies whether the occurrence of the adjustment is\nthe first change or a subsequent change.\n\nNotes: Indication of the unique parent container is enough to accurately define\n\nthese repeatable data points.\n\nb. Reusable Data Points in Reusable Containers\n\nIf the data point is re-used within a reusable container, then the full XPath of the\ndata point must be known in order to accurately interpret its meaning. See Section\nIV-C. XPath-V3.0 Reference Model Navigation for an explanation of XPath.\n"} diff --git a/chunks/json/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.json b/chunks/json/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.json new file mode 100644 index 0000000000000000000000000000000000000000..fcc4f3f36d96c96617d3cd21fcc7c3516c71fdb6 --- /dev/null +++ b/chunks/json/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1238090,"char_start":1236466,"chunk_id":"chk_a69b6d589dc40f4a","chunk_index":735,"chunk_sha256":"92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Form\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\nCOST APPROACH Replacement Cost\n\nCost Analysis Type\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS[@_Type=‘Replacement’]\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@DataSourceDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@CostServiceQualityRatingDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/COST_ANALYSIS_EXTENSION[@ExtensionSectionOrganizationNam\ne='UNIFORM APPRAISAL\nDATASET']/COST_ANALYSIS_EXTENSION_SECTION_DATA/COST\n_APPROACH_DATA_SOURCE/@GSECostDataSourceEffectiveDateDesc\nription\n\n1\n\n20\n\n10\n\nEnumerated\n\nString\n\nString\n\n12\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nNo more than one of fields 3-7, 3-8 (values of\nCost Analysis Type) may be indicated.\n\nSpecifies the type cost analysis\nperformed. (e.g. whether it was for\nReplacement Costs or Reproduction\nA free-form text field used to describe the\nsource of information.\nSpecifies the quality rating of the\nitemized building cost information\nprovided by the cost estimating service.\n\nData Source\nDescription\n\nCost Service Quality\nRating Description\n\nGSE Cost Data\nSource Effective\nDate Description\n\nThe effective date of the cost data\nprovided by the construction cost service\nused to determine the cost approach to\nvalue.\n"} diff --git a/chunks/json/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.json b/chunks/json/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.json new file mode 100644 index 0000000000000000000000000000000000000000..849ba79552ff5664b8de1eb04fda1d8d64b6315a --- /dev/null +++ b/chunks/json/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.json @@ -0,0 +1 @@ +{"chunk":{"char_end":60584,"char_start":60120,"chunk_id":"chk_e78b061b8b6b7388","chunk_index":96,"chunk_sha256":"929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unit(s) ....................................................................................................................................................................................................................................... 286\n\nQuality and Condition (Ratings: 1-6, 1 is highest) .................................................................................................................................................................... 287\n"} diff --git a/chunks/json/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.json b/chunks/json/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.json new file mode 100644 index 0000000000000000000000000000000000000000..d998a4f01f0590412eade4f0c48acfc637ace7f1 --- /dev/null +++ b/chunks/json/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1696,"char_start":0,"chunk_id":"chk_6a79d4622a6158aa","chunk_index":0,"chunk_sha256":"92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8de04e3e931b13cb","text_sha256":"92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca","token_estimate":424,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-feb-10-2024.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1 Feb. Update\n\nDec. 13, 2023\n\nDuring the weekend of Feb. 10, 2024, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the\nchanges described below. Unless specified below, the changes in this release will apply to DU Version 11.1 loan casefiles\nsubmitted or resubmitted on or after the weekend of Feb. 10, 2024.\n\nThe changes in this release include the following:\n▪ Rent Payment Identification on Third-Party Asset Reports\n▪ Updates to Align with the Selling Guide\n\nRent Payment Identification on Third-Party Asset Verification Reports\n\nWe continue to fine-tune the logic that identifies the rent payment history on a 12-month third-party asset verification report\n(“asset verification report”). Based on recent observations, updates will be made to improve DU’s ability to identify a rent\npayment history within the asset verification report for use in the credit risk assessment.\n\nNote: As continued analysis on this logic is performed, future updates will be made as necessary, and will be communicated\nin advance of the update being made in DU.\n\nUpdates to Align with the Selling Guide\n\nSelf-Employment Documentation\n\nSelling Guide Announcement SEL-2023-09 updated the policy that permits one year of personal and business tax returns for self-\nemployed borrowers. DU was updated to begin issuing new self-employed documentation messages supporting this policy\nchange for DU Version 11.1 loan casefiles created on or after Jan. 1, 2024, when the borrower’s primary job was self-employed. DU\nwill now be updated to also issue the new messages when any job is self-employed, primary or secondary.\n"} diff --git a/chunks/json/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.json b/chunks/json/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.json new file mode 100644 index 0000000000000000000000000000000000000000..0aefc252bbd401f4657ec186d5ce26fd4df6426f --- /dev/null +++ b/chunks/json/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.json @@ -0,0 +1 @@ +{"chunk":{"char_end":343371,"char_start":341759,"chunk_id":"chk_03415843ce6aa8dd","chunk_index":200,"chunk_sha256":"92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This 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\nString\n\nString\n\nString\n\nString\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n\nAppraiser Street\nAddress\n\nThe street address of the appraiser.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/@_StreetAddress\n\n50\n\nString\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAppraiser City\n\nThe city in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/@_City\n\n70\n\nString\n\nAppraiser State\n\nThe state in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/@_State\n\n2\n\nString\n\nShould conform to USPS (Pub 28). The following address elements should be\nincluded in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or\npost-directional indicator)\n• Address unit designator and number (if applicable)\n\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• City\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• USPS two-letter state or territory representation\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n"} diff --git a/chunks/json/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.json b/chunks/json/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.json new file mode 100644 index 0000000000000000000000000000000000000000..e0f894e1b90ad1f3dce896ef01e8e0823b60dcb8 --- /dev/null +++ b/chunks/json/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50530,"char_start":48608,"chunk_id":"chk_bf6518cc49140ec2","chunk_index":29,"chunk_sha256":"92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1","token_estimate":481,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]\nprovided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to\nperform the assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"} diff --git a/chunks/json/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.json b/chunks/json/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.json new file mode 100644 index 0000000000000000000000000000000000000000..cb22da23abdfc9ac48f57c79b0ead81d8004c938 --- /dev/null +++ b/chunks/json/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6510,"char_start":4859,"chunk_id":"chk_a20b37748c8d5366","chunk_index":3,"chunk_sha256":"92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf"]},"text":"▪ UCD v2.0 Tab 9 –\nucd:FeeItemType\nEnumerations.\n\n▪ UCD v2.0 Tab 8 –\nEnumerations for\nall deleted\nFeeType\nenumerations.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n3\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nChange\n\nDescription\n\nPotential Impact\n\nAdditional\nInformation\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n4\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nChange\n\nDescription\n\nPotential Impact\n\nNew Critical/Fatal\nUCD Specification\nVersion Edits\n\nContinue to support\nQualified Mortgage\n(QM) Requirements\n\n▪ During the transition period to UCD v2.0\nin the production environment, UCD\nXML files may continue in the UCD v1.5\nformat OR may use the UCD v2.0\nformat.\n\n▪ Files that combine the two Specification\nformats will result in a “Not Successful”\nor “Not Satisfied” submission status.\n\n▪ The transition to the UCD v2.0 file format must\nbe done all at one time. UCD XML files must\ninclude the DataVersionIdentifier = “UCD2.0”\nand the EXTENSION to FEE_DETAIL.\n\n▪ UCD XML files that contain both FeeType and\n\nucd:FeeItemType data points will not be\naccepted. New critical/fatal edits will prevent\nfiles that combine data points from both UCD\nv1.5 and UCD v2.0.\n\n▪ The conditionality details for\n\n▪ To respond to industry questions, the GSEs clarified\n"} diff --git a/chunks/json/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.json b/chunks/json/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.json new file mode 100644 index 0000000000000000000000000000000000000000..058b5ae486c21c7b797f4764dde0036ce84d9be1 --- /dev/null +++ b/chunks/json/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17708,"char_start":14632,"chunk_id":"chk_dc884f8715b676e4","chunk_index":8,"chunk_sha256":"92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d247cbfbdbb56cff","text_sha256":"92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de","token_estimate":948,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dodd_Frank_Act_Stress_Tests__DFAST____FHFA_s4da42.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/1061\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.json b/chunks/json/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.json new file mode 100644 index 0000000000000000000000000000000000000000..2d07a7b7e3a525eabacd033d090b0dc42a0f599a --- /dev/null +++ b/chunks/json/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.json @@ -0,0 +1 @@ +{"chunk":{"char_end":52486,"char_start":52175,"chunk_id":"chk_5a741d97e907f8d2","chunk_index":30,"chunk_sha256":"930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31","token_estimate":78,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf","below_target_min_tokens"]},"text":"Signature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n09/08/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.json b/chunks/json/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.json new file mode 100644 index 0000000000000000000000000000000000000000..8b9d95f399e1a06864ba2d0a70cc4c41b57e036f --- /dev/null +++ b/chunks/json/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1287502,"char_start":1285781,"chunk_id":"chk_f0a36fb1f57b85df","chunk_index":763,"chunk_sha256":"9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n35\n\n36\n\n37\n\n38\n\n39\n\n40\n\n41\n\n42\n\n43\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nor State License #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE\nNSE[@_Type=‘License’]/@_Identifier\n\n25\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState\n\nAppraiser License\nState\n\nThe state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE\nNSE/@_State\n\n2\n\nString\n\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• USPS two-letter state or territory representation\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nExpiration Date of Certification\nor License\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE\nNSE/@_ExpirationDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect exterior of\nsubject property\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of subject\nproperty from street\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@A\nppraisalInspectionPropertyType=‘Subject’ and\n@AppraisalInspectionType=‘None’]\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@A\nppraisalInspectionPropertyType=‘Subject’ and\n@AppraisalInspectionType=‘ExteriorOnly’]\n"} diff --git a/chunks/json/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.json b/chunks/json/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.json new file mode 100644 index 0000000000000000000000000000000000000000..c049472791f6f1eee6f62c540f2ec7abfc602853 --- /dev/null +++ b/chunks/json/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7601,"char_start":1798,"chunk_id":"chk_63f9df64c0205447","chunk_index":2,"chunk_sha256":"930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1","token_estimate":3213,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Contents\nDocument Updates.......................................................................................................................... ii\nDocument Version and Revision History ...................................................................................... iii\nContents ......................................................................................................................................... iv\nI. Introduction ................................................................................................................................ 6\nA. Context for the User Guide ................................................................................................. 6\nB. Purpose of the User Guide.................................................................................................. 6\nC. Overview of the MISMO Data Standard ............................................................................ 7\nD. Overview of ULDDS and ULDD Documentation.............................................................. 8\n1. Uniform Loan Delivery Data Specification.................................................................. 8\n2. GSE-Specific Implementation Guides.......................................................................... 9\n3. Updates to ULDDS and ULDD Documentation .......................................................... 9\nE. Overview of the User Guide ............................................................................................... 9\nII. Source of the MISMO Standard................................................................................................. 7\nA. The MISMO Organization ................................................................................................... 7\nB. MISMO Standard Developers............................................................................................. 7\nIII. Using the MISMO v3.0 Logical Data Dictionary..................................................................... 8\nA. The V30_B263-12_LDDReport ......................................................................................... 8\n1. Data Point....................................................................................................................... 8\n2. Definition ...................................................................................................................... 9\n3. Enumeration : Explanation ......................................................................................... 10\n4. Enumeration: -- URN Suffix....................................................................................... 13\n5. App Info ...................................................................................................................... 13\n6. Type .............................................................................................................................. 14\n7. Sensitive Information.................................................................................................. 17\n8. URN ............................................................................................................................ 18\n9. Context........................................................................................................................ 18\nB. Containers ......................................................................................................................... 19\n1. Container....................................................................................................................... 19\n2. Definition .................................................................................................................... 20\n3. URN .............................................................................................................................. 21\n4.\n"} diff --git a/chunks/json/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.json b/chunks/json/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.json new file mode 100644 index 0000000000000000000000000000000000000000..0e9895c3d541683a1c563efac03e8dd36ef4c29f --- /dev/null +++ b/chunks/json/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":619273,"char_start":617666,"chunk_id":"chk_cddd7f20b291a8b4","chunk_index":368,"chunk_sha256":"930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If relevant\n\nHeating System Type is\nnot reported for\ncomparables\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nAppendix F-1: URAR Reference Guide\n\nPage 271 of 375\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\n•\n\n•\n\nInclude this row in the sales comparison grid when the specific\nbreakdown between finished and unfinished area for the\ncomparables is available and needed to support conclusions.\nIndicate in Reconciliation of Sales Comparison Approach (22.16.01)\nif area is estimated for the comparable.\n\nThe total volume of the outbuilding, including finished and unfinished\nareas. When applicable, report the volume provided.\n\nNote: If the subject or a given comparable does not have any full baths\nin the outbuilding, enter 0.\n\nNote: If the subject or a given comparable does not have any half baths\nin the outbuilding, enter 0.\n\nNote: If the subject or a given comparable does not have a kitchen in the\noutbuilding, enter 0.\n\nHeating System Exists\n•\n\nIf No, “None” displays.\n\n•\nNone\n•\nBaseboard\n•\nFireplace\n•\nForced Warm Air\n•\nGravity Air\n• Mini Split\n•\n•\n•\n•\n•\n\nPassive Solar\nRadiant\nRadiators\nStove\nOther (Describe)\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Outbuilding\n\nReport\nField ID\n\n22.14.10\n22.14.24\n\nCooling\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nYes | No\n\n22.14.10\n\nCooling\n\nIf relevant\n"} diff --git a/chunks/json/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.json b/chunks/json/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.json new file mode 100644 index 0000000000000000000000000000000000000000..53bde5b62487883bda767a4d58f429dea3769da7 --- /dev/null +++ b/chunks/json/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":975251,"char_start":973574,"chunk_id":"chk_b5c65f25072d1c18","chunk_index":581,"chunk_sha256":"931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"487\n\n488\n\n489\n\n490\n\n491\n\n492\n\n493\n\n3\n\n4\n\n4\n\n4\n\n4\n\n5\n\n5\n\n5\n\n5\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nName\nAppraiser\nCompany Name\n\n5\n\n6\n\n7\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n"} diff --git a/chunks/json/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.json b/chunks/json/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.json new file mode 100644 index 0000000000000000000000000000000000000000..9677e8abfa849d9638005e0db895054d5021d7d1 --- /dev/null +++ b/chunks/json/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8696,"char_start":7083,"chunk_id":"chk_c49e1558baf70aab","chunk_index":4,"chunk_sha256":"9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d382310860c52199","text_sha256":"9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Legal_Documents___Suspensions___FHFA_4snwcg.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# Legal Documents & Suspensions\n\n- ## Litigation\n\nCompilation of documents related to litigation involving the Federal Housing Finance Agency (FHFA), the Office of Federal Housing Enterprise Oversight...\n\n[Read more](/supervision/legal-documents/litigation)\n\n- ## FHFA Orders\n\nCumulative list of FHFA legally binding orders that mandate action by a regulated entity.\n\n[Read more](/supervision/legal-documents/fhfa-orders)\n"} diff --git a/chunks/json/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.json b/chunks/json/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.json new file mode 100644 index 0000000000000000000000000000000000000000..2641473f64ef74fee6990cf1bbc1ddf5a23deeaf --- /dev/null +++ b/chunks/json/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10162,"char_start":8479,"chunk_id":"chk_26c59800225b17f9","chunk_index":5,"chunk_sha256":"93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592","token_estimate":421,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"TXC-NP\n\nFTR-L\n\nFTR-R\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\nHDR-L\n\nHDR-R\n\n2 COLUMN PAGE FORMAT\n\nTXC-NP\n\n10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable\ncondition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or\nstructural integrity of the property.\n\n10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of\nthe improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known\nphysical deficiencies that could affect the soundness or structural integrity of the property.\n\n11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n"} diff --git a/chunks/json/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.json b/chunks/json/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.json new file mode 100644 index 0000000000000000000000000000000000000000..32b1884ab212c177d32e77b94148bc375759aefc --- /dev/null +++ b/chunks/json/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13012,"char_start":11332,"chunk_id":"chk_b7faa6cb8d16a2ad","chunk_index":7,"chunk_sha256":"9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06","token_estimate":420,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"C1\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\nCement Board\n\nFoundation\n\nPoured Concrete | Basement\n\nRoof\n\nWindows\n\nComposition\nEstimated Age:\nLess than 1 year\n\nSubject has a mix of double\nhung and casement\nwindows, all are low e.\n\nNoncontinuous Finished Area\n\nQuality Comment\nThe exterior of the homes\nis a mix of Hardie plank and\nstone.\n\nSubject has a walkout lower\nlevel, concrete covered with\nHardie plank.\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nRoof is covered with a 50 year\ncomposition roof.\n\nNew or Like New\n\nWindows are metal clad with\npaintable wood interior.\n\nNew or Like New\n\nCondition Comment\n\nThe table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit\n\nFinish\nFinished\n\nTotal Area\n360 Sq. Ft.\n\nRoom Summary\n1 - Family Room\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nSump Pump\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nThe subject is a new construction home with no damages, defects or deficiencies and is built using green materials.\n\nDwelling Exterior Exhibits\n\nNoncontinuous Area - Bonus Room\n\nDwelling Rear\n\nThis is where the Noncontinuous Area photo would display.\n\nThis is where the Dwelling Rear photo would display.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.json b/chunks/json/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.json new file mode 100644 index 0000000000000000000000000000000000000000..46a34aad68365bc1fb0e108999733167945551f0 --- /dev/null +++ b/chunks/json/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8683,"char_start":7084,"chunk_id":"chk_dab8ca992bb33a09","chunk_index":8,"chunk_sha256":"932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the\nConstructionMethodType data point used in the legacy form mapping summary.\n\nProvides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the\nLandOwnedInCommonIndicator data point used in the legacy form mapping summary.\n\nProject Legal Structure\n\n(UID: 2500.0168, FID: 1.016,1.017, 1.018)\n\nProvides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the\nProjectLegalStructureType data point.\n\nUnits Excluding ADUs\n\n(UID: 0100.0022, FID: 1.021)\n\nAccessory Dwelling Units\n\n(UID: 0100.0019, FID: 1.022)\n\nProvides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the\nLivingUnitExcludingADUCount data point.\n\nProvides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the\nAccessoryDwellingUnitTotalCount data point.\n\nc\ne\np\nS\ny\nr\ne\nv\ni\nl\n\ne\nD\nD\nA\nU\nm\no\nr\nf\nn\no\ni\nt\na\nm\nr\no\nf\nn\n\nI\n\ni\n\nt\nn\no\nP\na\nt\na\nD\ny\nt\nr\ne\np\no\nr\nP\nt\nn\na\nv\ne\ne\nR\n\nl\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\n4\n\nLegacy Forms Mapping\n\nLegacy Forms\n"} diff --git a/chunks/json/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.json b/chunks/json/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.json new file mode 100644 index 0000000000000000000000000000000000000000..9d4690f5552b99a02164970632a9f8cbd1ce12b0 --- /dev/null +++ b/chunks/json/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14122,"char_start":12998,"chunk_id":"chk_0d3cc13fefe7b3f2","chunk_index":8,"chunk_sha256":"933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328","token_estimate":281,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"false\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nSubjectToRepair\n\n2019-09-20\n\n90\n\n0\n\nReasonableExposureTime\n\n491000\n\nC5\n\nfalse\n\nAA12345\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nMYAPP\n\nSome Appraisal Creator\n\n11.2.1\n\nNowhere Technologies\n\nDEF Bank\n\n200 Elm St\n\nAnytown\n\n12346\n\nVA\n\nLender\n\nClient\n\nXYZ Appraisal Management Company\n\n300 Maple Ave\n\nAnytown\n\n12345\n\nVA\n\nManagementCompany\n\nAgatha\n\nAppraiser\n\n123 Main St\n\nAnytown\n\n12345\n\nVA\n\nABC Appraisal Co.\n\nSeniorResidentialAppraiser\n\nCertifiedResidential\n\n2020-10-10\n\nXYZ12345\n\nVA\n\nAppraiser\n\nAndrew\n\nAppraiser\n\nNone\n\nSignificantRealPropertyAppraisalAssistance\n\nAndrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring property, and did an exterior inspection of the comparables from the street.\n\nBetty\n\nBorrower\n\nBorrower\n\nBob\n\nBorrower\n\nBorrower\n\nJane\n\nDoe\n\nPropertySeller\n\nPropertyOwner\n\nValuation\n\n2019-09-20\n\n\\\\SF1_Appraisal_v1.3.pdf\n\napplication/pdf\n\n4\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"} diff --git a/chunks/json/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.json b/chunks/json/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.json new file mode 100644 index 0000000000000000000000000000000000000000..253bcf51f56c7e6237c4f3496b821fc5ee71a09d --- /dev/null +++ b/chunks/json/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.json @@ -0,0 +1 @@ +{"chunk":{"char_end":218629,"char_start":216942,"chunk_id":"chk_dfe4d5202e99a28a","chunk_index":128,"chunk_sha256":"9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52","token_estimate":422,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAlways required\n\nYes | No\n\nIndicates whether the property has renewable energy components that are\nknown to the appraiser.\nNote: If No, the Renewable Energy Components subsection does not display.\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom table\n(Renewable\nEnergy\nOwnership)\n\nYes | No\n\nRenewable Energy Component Type\nThe type(s) of renewable energy component present on the site.\n•\n•\n• Wind Turbine\n•\n\nGeothermal\nSolar\n\nOther (Describe)\n\nRenewable Energy Component Ownership: The type of ownership for the\nrenewable energy component.\n•\n•\n•\n•\n\nLeased\nOwned\nPower Purchase Agreement (PPA)\nOther\n\nIndicates whether there is a financing arrangement specific to the renewable\nenergy component.\n\nReport\nField ID\n\n6.000\n\n6.001\n\nKnown\nRenewable\nEnergy\nComponents\n\nRenewable\nEnergy\nComponent\n\nRequired if Known\nRenewable Energy\nComponents is Yes\n\n6.002\n\nOwnership\n\nIf available for each\nrenewable energy\ncomponent\n\n6.003\n\nFinancing\nArrangement\n\nRequired for each\nrenewable energy\ncomponent if\nRenewable Energy\nComponent Ownership\nis Owned\n\nAppendix F-1: URAR Reference Guide\n\nPage 87 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n06 Energy Efficient and Green Features\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nRenewable Energy Ownership (Choose one for each Renewable Energy Component)\n\nLeased\n\nOwned\n\nIndicates use of the renewable energy component is granted through a signed lease agreement.\n\nIndicates the renewable energy component has been purchased by the homeowner, including when subject to a financing\narrangement.\n"} diff --git a/chunks/json/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.json b/chunks/json/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.json new file mode 100644 index 0000000000000000000000000000000000000000..622089c87bf4a6a2d28afb0da3ecea5c7086bcbc --- /dev/null +++ b/chunks/json/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23118,"char_start":21461,"chunk_id":"chk_b9e04f0b8049b976","chunk_index":11,"chunk_sha256":"933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: A property with one primary dwelling and an accessory dwelling unit (ADU) is classified as a one-unit property and must\nmeet all one-unit requirements, unless otherwise specified. For guidance on the number of ADUs allowed on one-, two-, and\nthree-unit properties, refer to the Accessory Dwelling Units section in SB2-3-04, Special Property Eligibility Considerations.\n\nProperty Location\n\nThe security property must be located in\n\nthe United States (including the District of Columbia),\n\n•\n• Puerto Rico,\n•\n• Guam.\n\nthe U.S. Virgin Islands, or\n\nProperty Requirements\n\nThe mortgaged premises must be\n\n•\n\n•\n\n•\n\nresidential in nature as defined by the characteristics of the property and surrounding market area (see SB4-1.3-03,\nMarket Section of the Uniform Residential Appraisal Report);\n\nsecured by an interest in real property within the meaning of the Internal Revenue Code as such term is defined in 26\nC.F.R. § 1.856-3;\nsound and structurally secure (see SB4-1.3-06, Dwelling Condition and Quality of Construction);\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 9 of 166\n\nUAD 3.6 Policy\n\n•\n\n•\n\n•\n\n•\n\nthe highest and best use of the property as improved (or as proposed per plans and specifications), and the use of the\nproperty must be legal or legal non-conforming (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best\nUse);\nreadily accessible by roads that meet local standards (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and\nBest Use);\nserved by utilities that meet community standards (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest Best\nUse); and\nsuitable for year-round use.\n"} diff --git a/chunks/json/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.json b/chunks/json/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.json new file mode 100644 index 0000000000000000000000000000000000000000..66b7c02bfe7ff9c83b8a54c40ce5f6331697534c --- /dev/null +++ b/chunks/json/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2159,"char_start":1631,"chunk_id":"chk_8d8eead92e458b37","chunk_index":1,"chunk_sha256":"933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16","date_utc":"2026-01-27T17:45:42+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_262a63420723d7af","text_sha256":"933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16","token_estimate":130,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae.md","below_target_min_tokens"]},"text":"![image](Uniform_Appraisal_Dataset___Fannie_Mae_fact-sheet.svg)\n\n[UAD 3.6 Documentation](#uad-documentation)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae_technology.svg)\n\n[UAD 2.6 and Resources](#uad-26-resources)\n\n#### Lender Preparedness Webinar Recording\n\n[]() ×\n\n> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]*\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae_UMDP_20logo_20May_202021.png)\n"} diff --git a/chunks/json/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.json b/chunks/json/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.json new file mode 100644 index 0000000000000000000000000000000000000000..1f1a487bf4d2fb38b129ee1117e3a06588800008 --- /dev/null +++ b/chunks/json/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18897,"char_start":15562,"chunk_id":"chk_624805340ca55d92","chunk_index":8,"chunk_sha256":"934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_044166ef44f6a6e4","text_sha256":"934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd","token_estimate":1033,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md"]},"text":"Sign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/14361\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.json b/chunks/json/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.json new file mode 100644 index 0000000000000000000000000000000000000000..c290a0ed8f88760ed6176f41aa724fc46ba888df --- /dev/null +++ b/chunks/json/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.json @@ -0,0 +1 @@ +{"chunk":{"char_end":630703,"char_start":629068,"chunk_id":"chk_ce77fb32de097f71","chunk_index":375,"chunk_sha256":"9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"22.17.04 Status\n\nIf available when\nListing Status is Settled\nSale\n\nRequired for each\nadditional property\n\nProperty Address\n\nAllowable\nAnswers / Format\n\n1, 2, 3 …\n\nFree-form, in\nformat that\nconforms to\naddress standards\nin USPS\nPublication 28,\nPostal Addressing\nStandards\n\nmm/dd/yyyy\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n•\n•\n•\n•\n\nActive\nOff Market\nPending\nSettled Sale\n\nAppendix F-1: URAR Reference Guide\n\nPage 277 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nNot on\nReport\n\nSales Comparison Approach – Additional Properties Analyzed Not Used\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nRequired for each\nadditional property\n\nYes | No\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nReconsideration Requested\nIndicates whether the client has requested the appraiser to consider this\nadditional property in the Sales Comparison analysis after the appraiser\nsubmitted their analysis.\n\n22.17.05 Reason Not\n\nUsed\n\nRequired for each\nadditional property\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nAccessory Dwelling Unit\nAge\nAmenities\nArea Below Grade\nBathroom Count\nBedroom Count\nCondition\nDated Sale\nDesign or Style Variance\nFinished Area\nGross Building Area\nLot Size\nOutbuildings\nProximity\nQuality\nSale or Transfer Type\nSite Influence\nOther (Describe)\n\n22.17.06 Comment\n\nRequired for each\nadditional property\n\nFree-form\n\nAdditional details and analysis to support the reason for not including in the\nsales comparison grid.\n"} diff --git a/chunks/json/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.json b/chunks/json/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.json new file mode 100644 index 0000000000000000000000000000000000000000..ac8dd5daae305c284a2a702e50a0b8ded77c1373 --- /dev/null +++ b/chunks/json/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.json @@ -0,0 +1 @@ +{"chunk":{"char_end":236001,"char_start":234203,"chunk_id":"chk_70efb065a3ba3bfa","chunk_index":137,"chunk_sha256":"9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31","token_estimate":450,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the listing status of the comparable.\n\n11\n\nEnumerated\n\nAllowable Values PDF Allowable Values\nActive Active\nExpired e\nWithdrawn w\nContract c\nSettledSale s\n\nThis field is required if the value of field e-26\n(GSE Financing Type) is 'Other'.\n\nCR\n\nCR\n\nCR\n\nIf the value of field e-29 is 'SettledSale', this\nfield is required.\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 2-55 and fields (2-53, 2-\n57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field must indicate the month and year of the event indicated by field e-29.\nNo intent to collect time or day in this field. If the value of field e-29 is\n'SettledSale', then the second instance of this field must indicate the month and\nyear of the contract date.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-29\n(GSE Listing Status Type) is not 'Active'. If\nthe value of field e-29 is 'SettledSale' and the\nvalue of field e-31 is 'N', then a second\ninstance is required.\n\n5\n\nString\n\nCR\n\nCR\n\nCR\n\nData Format:\nmm/yy\n\n3\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nFor settled sales, this field indicates whether or not the contract date is\nunknown ('Y' indicates unknown, 'N' indicates known).\n"} diff --git a/chunks/json/937d20b02ac3cc0553234a2aaf8b5d01a353542d742af445cb626363437a88f0.json b/chunks/json/937d20b02ac3cc0553234a2aaf8b5d01a353542d742af445cb626363437a88f0.json new file mode 100644 index 0000000000000000000000000000000000000000..dcec8be3b24ffd1b543613e06c82270991924f40 --- /dev/null +++ b/chunks/json/937d20b02ac3cc0553234a2aaf8b5d01a353542d742af445cb626363437a88f0.json @@ -0,0 +1 @@ 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| bathrooms: 2 | bedrooms: 2 | gross_living_area: 6 | median_adjustment: 20500 | average_adjustment: -34786 | adjusted_price: 325000 | number_comparables: 5 | same_tract_percent: 71 | calculated_proximity: 4.03 | reported_proximity: 4.04 | value_sale_comparison: 325000 | value_cost: 335000 | value_income: NA | appraised_value: 325000 | appraisal_to_contract: NA | comparison_to_contract: NA\nrecord_id: 1800027794000 | year: 2018 | weight: 20 | state_fips_2010: 19 | state_fips_2020: NA | county_fips_2010: 19169 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 265000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 9 | quality: 3 | condition: 3 | bathrooms: 9 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -15572 | average_adjustment: -18431 | adjusted_price: 265000 | number_comparables: 3 | same_tract_percent: NA | calculated_proximity: NA | reported_proximity: 0.81 | value_sale_comparison: NA | value_cost: NA | value_income: NA | appraised_value: NA | appraisal_to_contract: NA | comparison_to_contract: NA\nrecord_id: 1800013591000 | year: 2018 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39049 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 135000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 9 | quality: 4 | condition: 4 | bathrooms: 9 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -1000 | average_adjustment: -1800 | adjusted_price: 135000 | number_comparables: 3 | same_tract_percent: NA | calculated_proximity: NA | reported_proximity: 0.13 | value_sale_comparison: NA | value_cost: NA | value_income: NA | appraised_value: NA | appraisal_to_contract: NA | comparison_to_contract: NA\nrecord_id: 1800033741000 | year: 2018 | weight: 20 | state_fips_2010: 08 | state_fips_2020: NA | county_fips_2010: 08005 | county_fips_2020: NA | tract_fips_2010: 08005084000 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 355000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: 41400 | average_adjustment: 34520 | adjusted_price: 355000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 0.64 | reported_proximity: 0.64 | value_sale_comparison: 355000 | value_cost: NA | value_income: NA | appraised_value: 355000 | appraisal_to_contract: 100.3 | comparison_to_contract: 100.3\nrecord_id: 1800031451000 | year: 2018 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06077 | county_fips_2020: NA | tract_fips_2010: 06077003307 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 315000 | sales_range_low: 175000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -8250 | average_adjustment: -3417 | adjusted_price: 245000 | number_comparab\n"} diff --git a/chunks/json/937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949.json b/chunks/json/937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949.json new file mode 100644 index 0000000000000000000000000000000000000000..61f9718ed9764269da044426dda5fc4873e6cc03 --- /dev/null +++ b/chunks/json/937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21179,"char_start":19532,"chunk_id":"chk_39dd5f1ba0241750","chunk_index":15,"chunk_sha256":"937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"4e. Remove Certain Information That Contributed to Privacy Harm\n\nFHFA evaluated each property characteristic in a UAD appraisal record to determine whether it was\ntypically available in another public source such as public records or real estate listings. For property\n\nFederal Housing Finance Agency\n\n5\n\nUAD PUF Version 2.1 Data Documentation\n\ncharacteristics NOT common to the UAD and another public source, FHFA balanced the utility of\nincluding the property characteristic in the UAD Appraisal-Level PUF with its contribution to privacy\nharm if the property address was to be re-identified. For the UAD Appraisal-Level PUF, FHFA removed\nnumerous property characteristics that it identified, at this time, as having privacy harm that outweighs\npublic utility or as having insufficient public utility to warrant disclosure in the initial dataset. FHFA\nplans to continue to evaluate appraisal data under this approach.\n\n4f. Minimum Record Count Threshold\n\nFor the UAD Appraisal-Level PUF, FHFA adopted a minimum record count threshold of 11 records\nbased on the Department of Housing and Urban Development’s (HUD’s) “Privacy Rule of Eleven.” 6 In\nshort, for census tracts with fewer than 11 appraisal records in a given year, the tract number was\nsuppressed (primary suppression). In Version 1.0 of the PUF, FHFA suppressed the tract number of an\nadditional tract (complementary suppression) in instances where only one tract in a county required\nsuppression. In Version 2.0, FHFA updated the methodology to not include complementary suppression.\n\nFHFA applied the same protocol for counties with fewer than 11 appraisal records in a given year.\n"} diff --git a/chunks/json/93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947.json b/chunks/json/93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947.json new file mode 100644 index 0000000000000000000000000000000000000000..a302ab248b7464a5e23264429edfff79c6c6f934 --- /dev/null +++ b/chunks/json/93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947.json @@ -0,0 +1 @@ +{"chunk":{"char_end":541242,"char_start":540684,"chunk_id":"chk_d3a21c63c1c3644e","chunk_index":308,"chunk_sha256":"93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947","token_estimate":140,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf","below_target_min_tokens"]},"text":"Retired\n\nAppendix B\n\nClosing Disclosure Mapping to the MISMO v3.3.0.0 Reference Model (.xls version)\n\nRetired\n\nAppendix C\n\nClosing Disclosures with Reference Numbers\n\nAppendix D\n\nUCD Cardinality, v1.0 (Cardinality integrated into Appendices H and I)\n\nRetired\n\nAppendix E\n\nUCD Implementation Guide\n\nAppendix F\n\nUCD Sample Use Cases\n\nAppendix G\n\nUCD Sample XML Files\n\nAppendix H\n\nUCD Delivery Specification (.pdf version)\n\nRetired\n\nAppendix I\n\nUCD Delivery Specification (.xls version)\n\nFAQs\n\nAppendix E: UCD Implementation Guide\n\nPage 254 of 254\n\nVersion 1.4\n"} diff --git a/chunks/json/938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0.json b/chunks/json/938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0.json new file mode 100644 index 0000000000000000000000000000000000000000..a2139e9e01f049183afaf2e6eb19ed1379fb5ed7 --- /dev/null +++ b/chunks/json/938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":299275,"char_start":297668,"chunk_id":"chk_c59870d8c35827d6","chunk_index":173,"chunk_sha256":"938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Fannie Mae | Freddie Mac\nSeptember 2024\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n1,568 Sq. Ft.\n\n1,800 Sq. Ft.\n\n$(15,000)\n\n1,248 Sq. Ft.\n\n$20,800\n\n2,250 Sq. Ft.\n\n$(44,300)\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nAppraiser Reference ID\n\n2222-55HG\n\nClient Reference ID BL2345-1234567\n\nManufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 20 of 30\nPage 20 of 30\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n123 Anywhere St\nSome City, VA 20141\n\n345 Somewhere Ave\nSome City, VA 20141\n\n222 Canal Blvd\nAnywhere City, VA 20141\n\n98761 State Rd 3\nAnywhere City, VA 20141\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nCondition\n\nQ4\n\nVinyl\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC1\n\nQ4\n\nEngineered Wood\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC4\n\nQ4\n\nVinyl\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC3\n\nQ4\n\nEngineered Wood\n\nCrawl Space | Pier\nwith Tie Down\n\nComposition\n\nC5\n\nExterior Walls and Trim\n\nNew or Like New\n\nDamaged and Functional\n\nTypical Wear and Tear\n\nDamaged and Functional\n\nRoof\n\nNew or Like New\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nDamaged and Functional\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nQ4\n\nQ4\n\nQ3\n\nQ4\n\nFormica Countertops\n| Vinyl Floor\n\nSolid Surface Countertops\n| Tile Floor\n\nC1\n\nFully Updated\n\nFully Updated\n\nFormica Countertops\n| Vinyl Floor\n\nFormica Countertops\n| Vinyl Floor\n\nC4\n\nNot Updated\n"} diff --git a/chunks/json/93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53.json b/chunks/json/93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53.json new file mode 100644 index 0000000000000000000000000000000000000000..53900e463a9b1b48ad59abea24f3556cdc642ef4 --- /dev/null +++ b/chunks/json/93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31275,"char_start":29202,"chunk_id":"chk_044add2cc2b90915","chunk_index":16,"chunk_sha256":"93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53","token_estimate":519,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analysis, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the\nappraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.\n\n4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and\npromulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nreport was prepared.\n\n5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are\ndefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this\nappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and\nvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.\n\nAPPRAISER\n\nSUPERVISORY APPRAISER (ONLY IF REQUIRED)\n\nSignature _____________________________________________\nName 5 ______________________________________________\nCompany Name 6 ______________________________________\nCompany Address 7 ____________________________________\n 8a, 8b 8c ______________________________\nTelephone Number 9 ____________________________________\nEmail Address 10 ______________________________________\nDate of Signature and Report 11___________________________\nEffective Date of Appraisal 12 _____________________________\nState Certification # 13 __________________________________\nor State License # 14____________________________________\nor Other (describe) 15 ________________State # 16 __________\nState 17 ______________________________________________\nExpiration Date of Certification or License 18 _________________\n"} diff --git a/chunks/json/9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524.json b/chunks/json/9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524.json new file mode 100644 index 0000000000000000000000000000000000000000..867b88d3aa094b3b5939a15e56625aa5ca2f1df3 --- /dev/null +++ b/chunks/json/9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524.json @@ -0,0 +1 @@ +{"chunk":{"char_end":571050,"char_start":569438,"chunk_id":"chk_e80b5516c2c7be35","chunk_index":339,"chunk_sha256":"9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Interior Quality and Condition – repeats for each unit that is not an ADU\n\nExterior Quality and Condition\n\nExterior Quality and Condition displays in the sales comparison grid if Homeowner Responsible for all Exterior Maintenance of Dwellings (3.016) is\nYes for the subject, and the “When Row Displays” column in this chapter reflects this.\nNotes:\n• When exterior features are included in the Exterior Quality and Condition subsection, it provides context for:\n\no Exterior Quality Rating for the dwelling, and for the Overall Quality Rating.\no Exterior Condition Rating for the dwelling, and for the Overall Condition Rating.\n\n• Any adjustments are made in the Overall Quality Rating (22.11.04) or Overall Condition Rating row (22.11.06), and not here.\n• For properties with multiple dwellings, Exterior Quality and Condition repeats for each dwelling, based on the field Dwellings Containing Units.\n\nAppendix F-1: URAR Reference Guide\n\nPage 250 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Exterior Quality and Condition\n\nN/A\n\nAlways required\n\nYes | No\n\nN/A\n\nAlways required\n\nNumber\n\nSubject Property\n•\nHomeowner\nResponsible for all\nExterior\nMaintenance of\nDwellings 3.016\n\nSubject Property\n•\n\nDwellings\nContaining Units\n3.007\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n"} diff --git a/chunks/json/939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af.json b/chunks/json/939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af.json new file mode 100644 index 0000000000000000000000000000000000000000..4b6accad4594a3f738aa53bf2d79c12172b956fa --- /dev/null +++ b/chunks/json/939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11093,"char_start":8979,"chunk_id":"chk_dcabfb73cdb4ffb3","chunk_index":5,"chunk_sha256":"939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_efbba269affa1f3f","text_sha256":"939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae_and_Freddie_Mac_Multifamily_Businesses__bou0b.md"]},"text":"FHFA will require the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses. The Enterprises use two models of credit risk transfers: Fannie Mae uses loss-sharing transactions through a delegated underwriting system, which has produced low losses since it was first offered in 1988; and Freddie Mac has a capital markets execution to transfer the bulk of its credit risk. Both approaches align interests between the Enterprises and lenders to manage complex credit decisions and limit losses. The positive results of these models were confirmed by the Enterprises' multifamily portfolio performance through the 2008 financial crisis and by the broad liquidity available to most segments of the market.\n\n## Related Documents\n\n[FHFA Revises Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac (September 13, 2019 News Release)](/document/frereport_mf_marketanalysis)[​](/document/frereport_mf_marketanalysis)[FACT SHEET: New Multi](/document/frereport_mf_marketanalysis)[family Caps for Fannie Mae and Freddie Mac (S](/media/31391)[eptember 13, 2019)](/media/14296)​\n[Prepared Remarks of Melvin L. Watt at the Brookings Institution Forum on the Future of Fannie Mae and Freddie Mac​](/node/6816)​\n[2014 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions](/node/2756)\n[The 2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac](/node/2681)\n[FHFA Seeks Public Input on Reducing Fannie Mae and Freddie Mac Multifamily Businesses (August 9, 2013 News Release](/node/5341))\n[FHFA Releases Fannie and Freddie Reports on Viability of Their Multifamily Businesses Without Government Guarantees (May 3, 2013 News Release)](/node/5756)\n[Fannie Mae: Analysis of the Viability of Fannie Mae’s Multifamily Business Operating without a Government Guarantee - Response to FHFA Scorecard Directive (December 17, 2012)](/media/31391)\n[Freddie Mac: Report to the Federal Housing Finance Agency: Housing Finance Reform in the Multifamily Mortgage Market (December 2012)](/media/21851)\n"} diff --git a/chunks/json/93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7.json b/chunks/json/93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7.json new file mode 100644 index 0000000000000000000000000000000000000000..5674594dfd14d2a810bf5356ff6739d53ed855b2 --- /dev/null +++ b/chunks/json/93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19534,"char_start":18767,"chunk_id":"chk_9c6f1ce01e8fe7b6","chunk_index":19,"chunk_sha256":"93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7","token_estimate":406,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:54)(cid:79)(cid:74)(cid:71)(cid:80)(cid:83)(cid:78)(cid:1)(cid:51)(cid:70)(cid:84)(cid:74)(cid:69)(cid:70)(cid:79)(cid:85)(cid:74)(cid:66)(cid:77)(cid:1)(cid:34)(cid:81)(cid:81)(cid:83)(cid:66)(cid:74)(cid:84)(cid:66)(cid:77)(cid:1)(cid:51)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)(cid:1)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nDisaster Mitigation\n\nMitigation Feature\n\n(cid:24)(cid:17)(cid:19)(cid:19)(cid:19)\n\nDisaster Mitigation Commentary(cid:1)\n\n(cid:24)(cid:17)(cid:19)(cid:19)(cid:20)\n\nDisaster Mitigation Exhibits\n\n(cid:24)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:24)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n"} diff --git a/chunks/json/93cc7bdccf8d3f1347ba077cf7bac52ec9f15f4a7dd32b5d2c4fd1b8db3efc94.json b/chunks/json/93cc7bdccf8d3f1347ba077cf7bac52ec9f15f4a7dd32b5d2c4fd1b8db3efc94.json new 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(EncumbranceType = \"ConditionsCovenantsRestrictions\" AND\n(ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\"))\nOR\n(EncumbranceType = \"ConditionsCovenantsRestrictions\" AND\nValueMarketabilityImpactType = \"Neutral\" AND Exists)\nDisplay when exists\nEach Easement displays on a separate row\n\n−\n− When there are no easements, this row does not display\n\n4.055\n\nDetail\n\n4.056\n\nImpact\n\n1500.0004\n\nEasementType\n\nDisplay when EncumbranceType = \"Easement\"\n\n1500.0173\n\nValueMarketabilityImpactType\n\nDisplay when EncumbranceType = \"Easement\"\n\n4.057\n\nComment\n\n1500.0172\n\nEasementDescription\n\n4.058\n\nEncroachment\n\n1500.0012\n\nEncumbranceType\n\n4.059\n\nDetail\n\n1500.0008\n\nEncroachmentDirectionType\n\n1500.0009\n\nEncroachmentType\n\nDisplay when (EncumbranceType = \"Easement\" AND\n(ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\"))\nOR\n(EncumbranceType = \"Easement\" AND\nValueMarketabilityImpactType = \"Neutral\" AND Exists)\nDisplay when exists\nEach Encroachment displays on a separate row\n\n−\n− When there are no encroachments, this row does not display\n\nDisplay as stacked when EncumbranceType = \"Encroachment\"\n\n4.060\n\nImpact\n\n1500.0175\n\nValueMarketabilityImpactType\n\nDisplay when EncumbranceType = \"Encroachment\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nSite: Site Features and Impact to Value/Marketability\n\nPage 129\n"} diff --git a/chunks/json/93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6.json b/chunks/json/93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6.json new file mode 100644 index 0000000000000000000000000000000000000000..e921435a2ef20c1ef404fd798e600ba51abe0121 --- /dev/null +++ b/chunks/json/93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":857093,"char_start":855191,"chunk_id":"chk_cdfee6374e913ffe","chunk_index":509,"chunk_sha256":"93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6","token_estimate":476,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 2-100, 2-101\n(values of Subject Has Prior Sales Indicator)\nmust be indicated.\n\nOne and only one of fields 2-100, 2-101\n(values of Subject Has Prior Sales Indicator)\nmust be indicated.\n\nOne and only one of fields 2-103, 2-104\n(values of Comparable Has Prior Sales\nIndicator) must be indicated.\n\nOne and only one of fields 2-103, 2-104\n(values of Comparable Has Prior Sales\nIndicator) must be indicated.\n\nThis field is required if field 2-100 (Subject\nHas Prior Sales Indicator = 'Y') is indicated.\n\nThis field is required if field 2-100 (Subject\nHas Prior Sales Indicator = 'Y') is indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 149 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n311\n\n2\n\n108\n\nPRIOR SALE\nHISTORY\n\nData Source(s)\nSUBJECT\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/@\nDataSourceDescription\n\n312\n\n2\n\n109\n\nPRIOR SALE\nHISTORY\n\nEffective Date of Data Source(s)\nSUBJECT\n\nData Source\nEffective Date\n\nThe effective date of the source of\ninformation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/@\nDataSourceEffectiveDate\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/PRIOR_SALES\n/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET ']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa\nleDate\n"} diff --git a/chunks/json/93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6.json b/chunks/json/93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6.json new file mode 100644 index 0000000000000000000000000000000000000000..be507de28116501f1f948015291a305e1a5c6d05 --- /dev/null +++ b/chunks/json/93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":623191,"char_start":621422,"chunk_id":"chk_0c2be1cf5630842b","chunk_index":358,"chunk_sha256":"93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID AA234567Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024Appraisal Update Scenario (AU1)\n\nRestricted Appraisal Update Report\n\nPage 2 of 3\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\nIntended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nIntended User\n\nThe intended user of this report is the lender/client.\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"} diff --git a/chunks/json/93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7.json b/chunks/json/93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7.json new file mode 100644 index 0000000000000000000000000000000000000000..e2524d8a15366ead6e1678efaa1e8441d29d0b90 --- /dev/null +++ b/chunks/json/93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30748,"char_start":28919,"chunk_id":"chk_60d758ca61a19498","chunk_index":14,"chunk_sha256":"93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7","token_estimate":457,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"Specifically, the following fields will\nbe released in National File C: Data field\n0: Enterprise Flag (indicating whether\nthe loan was purchased by Fannie Mae\nor Freddie Mac); data field 1: Loan\nNumber (released as Sequential\nNumber); data field 11: 2000 Census\nTract-Percent Minority (minority\npopulation in the census tract where the\nproperty securing the loan is located);\ndata field 14: Tract Income Ratio (ratio\nof tract median income to the applicable\nAMI); data field 17: Borrower Income\nRatio (ratio of borrower’s income to the\napplicable area median income); data\nfield 22: Purpose of Loan (home\npurchase or refinance/other); and data\nfield 27: Federal Guarantee\n(conventional loan or Federally\nguaranteed or insured).\n\nThe data will be included in National\n\nFile C without providing sufficient\nlinking variables to associate the more\nsensitive data (credit score and interest\nrate) to loans at the tract level in the\nCensus Tract File. In particular, the\nHMDA rate spread field will not be\nreleased in National File C as this field\nis already released in the Census Tract\nFile as required by HERA.\n\nVerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00038 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\28SEN1.SGM 28SEN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nN\nV\nT\nP\nS\n5\nK\nS\nD\nn\no\n\ns\nt\nr\ne\nb\no\nr\ns\n\nFederal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices\n\n60035\n\nF. Not Held on Portfolio or Retained on\nPortfolio—Single-Family Data Field 63:\nPortfolio Flag; Single-Family Data Field\n64: Percent Repurchased\n\nSection 1324(b)(6) requires FHFA to\ncompare the characteristics discussed\nabove of high-cost loans purchased and\nsecuritized, where such securities are\nnot held on portfolio to loans purchased\nand securitized, where such securities\nare either retained on portfolio or\nrepurchased by the Enterprise.\n"} diff --git a/chunks/json/93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70.json b/chunks/json/93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70.json new file mode 100644 index 0000000000000000000000000000000000000000..0057bfda44e6c958a5bd84e7ca3705e73160d8b0 --- /dev/null +++ b/chunks/json/93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54612,"char_start":52792,"chunk_id":"chk_f50ac0df4f8033dd","chunk_index":47,"chunk_sha256":"93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70","token_estimate":455,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"08.034\n\nInspection Date\n\n2400.0510\n\nInspectionDate\n\nDisplay when provided.\nWhen not provided, do not display report label.\n\nPage 46\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2200.0085, FID: Not on report) =\n“AppraiserSupervisor” …\n\nAssignment Information: Contact Information – Supervisory Appraiser\n\nCredentials\n\n08.035\n\nLevel\n\n2200.0142 AppraiserLicenseType\n\n… displays\n\n… displays\n\n08.036\n\nID\n\n2200.0145\n\nLicenseIdentifier\n\n08.037\n\nState\n\n2200.0146\n\nLicenseIssuingAuthorityStateCode\n\n08.038\n\nExpires\n\n2200.0144\n\nLicenseExpirationDate\n\n08.039\n\nASC Identifier\n\n2400.0481 AppraisalSubCommitteeAppraiserIdentifier\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nDisplay when provided.\nWhen not provided, do not display report label.\n\n08.040\n08.041\n\nVA Appraiser ID\nFHA Appraiser ID\n\n2400.0485\n2400.0484\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n\n08.042\n\nEmployment Type 2400.0483 AppaiserEmploymentType\n\nDisplay “FHA Appraiser ID” when GovernmentAgencyAppraisalType\n\"FHA\"\nDisplay “VA Appraiser ID” when GovernmentAgencyAppraisalType\n\"VA\"\n\nDisplay when (GovernmentAgencyAppraisalType (UID: 1000.0029\nFID: 2.008) = \"VA\"\nAlways displays report label when GovernmentAgencyAppraisalType\n= “VA”\n\nAssignment Information and Scope of Work Commentary\n\nThe Assignment Information and Scope of Work Commentary subsection displays when comments are provided. Any commentary must use\nValuationCommentText (UID: 1000.0131, FID: 8.043) and ValuationAnalysisCategoryType (UID: 1000.0130, FID: Not on report) = “Assignment”.\n"} diff --git a/chunks/json/93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed.json b/chunks/json/93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed.json new file mode 100644 index 0000000000000000000000000000000000000000..53e7fda21cf796b0941ee42222b0856e4a43d6da --- /dev/null +++ b/chunks/json/93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":70171,"char_start":69350,"chunk_id":"chk_06ba7439809d8639","chunk_index":73,"chunk_sha256":"93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed","token_estimate":461,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:28)(cid:17)(cid:20)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"} diff --git a/chunks/json/9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9.json b/chunks/json/9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9.json new file mode 100644 index 0000000000000000000000000000000000000000..c03717587e21b048606b99471f70329ba681fd11 --- /dev/null +++ b/chunks/json/9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53905,"char_start":52296,"chunk_id":"chk_7352f2d92523a7ed","chunk_index":30,"chunk_sha256":"9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"08.027\n08.042\n\nEmployment\nType\n\nRequired on VA\nassignments\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Employment\nType)\n\nDefinition / Additional Guidance\n\nThe employment category for the appraiser.\n•\n•\n\nIndependent Fee Appraiser\nStaff Appraiser\n\nReference VA appraisal guidelines for more information.\n\nAllowable Answer\n\nIndependent Fee Appraiser\n\nAssignment Information: Employment Type\n\nDefinition / Additional Guidance\n\nAn independent contractor treated for purposes of federal income taxation as an independent contractor by both the\nlender/client and the appraisal management company ordering the appraisal. The appraiser is issued a Form 1099 and is\nresponsible under IRS rules accordingly.\n\nStaff Appraiser\n\nAn employee for purposes of federal income taxation by either the lender/client or the appraisal management company\nordering the appraisal. The appraiser is expected to be issued a Form W-2.\n\nAssignment Information and Scope of Work Commentary\n\nAssignment Information and Scope of Work Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n08.043 Assignment\n\nIf applicable\n\nFree-form\n\nInformation and\nScope of Work\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to Assignment information\nand Scope of Work that is not captured in the discrete data, or additional\ndetails to support the discrete data.\nNote: If only an exterior inspection was performed, describe the extent of the\ninspection, (e.g., “from the street,” “walked the property”).\n\nAppendix F-3: Completion Report Reference Guide\n"} diff --git a/chunks/json/940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a.json b/chunks/json/940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a.json new file mode 100644 index 0000000000000000000000000000000000000000..64b311f76526ca8fd1ac7658923aa210c40f8d6b --- /dev/null +++ b/chunks/json/940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44689,"char_start":43088,"chunk_id":"chk_16676ab55ab429e6","chunk_index":25,"chunk_sha256":"940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"For all possible Certifications and Scope of Work text that may display on the Restricted Appraisal Update\nReport, see Appendix C-2: Restricted Appraisal Update Report with Report Field IDs (05.001-05.051).\n\nScope of Work\n\nThe Scope of Work subsection always displays.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nScope of Work\n\nAlways required\n\nYes | No\n\nAdditional Scope of Work\nIndicates whether there is additional scope of work.\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nN/A\n\n05.002\n05.003\n\nWhen Additional\nScope of Work is Yes\n\nFree-form\n\nAdditional Scope of Work Text\nNote: Additional Scope of Work cannot be contrary to, and should not repeat,\nthe predefined scope of work text.\n\nIntended Use\n\nThe Intended Use subsection always displays.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIntended Use\n\n05.005 The intended\n\nuse of the\nappraisal is\nsolely to assist\nFHA …\n\nN/A\n\n05.006\n05.007\n\nPredefined text that\ndisplays when\nGovernment Agency\nType 04.004 is FHA\n\nWhen applicable for\nFHA, VA, or USDA\nappraisals\n\nFree-form\n\nAdditional Intended Use Text\nNote: Additional Intended Use cannot be contrary to, and should not repeat,\nany of the predefined text.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 22 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\n\nIntended User\n\nThe Intended User subsection always displays and must match what was in the original appraisal.\n\nReport\nField ID\n\n05.009\n"} diff --git a/chunks/json/940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a.json b/chunks/json/940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a.json new file mode 100644 index 0000000000000000000000000000000000000000..401310f369bea14ca53e6f1d3443baec69d7e291 --- /dev/null +++ b/chunks/json/940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6511,"char_start":4817,"chunk_id":"chk_85e0160ad813dbce","chunk_index":3,"chunk_sha256":"940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a","token_estimate":424,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"View\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\n\nComment\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene)\n\nView - Residential\n\nThis is where the Property Access photo would display.\n\nThis is where the View photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 4 of 19\nPage 4 of 19\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nSketch does not represent actual dimensions of pictures, used for example only. A Sketch\nadherent to the ANSI standard must be measured to the nearest inch or tenth of a foot.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\nGround Level\n2018\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 5 of 19\nPage 5 of 19\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"} diff --git a/chunks/json/94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa.json b/chunks/json/94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa.json new file mode 100644 index 0000000000000000000000000000000000000000..3c09626e7ecc3a5c88e49a111e5886189265151b --- /dev/null +++ b/chunks/json/94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":188125,"char_start":186528,"chunk_id":"chk_fbc1823aaa89b610","chunk_index":109,"chunk_sha256":"94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"C1\nC1\nC1\n\nReconciliation of Overall Quality and Condition\n\nThe subject is new construction that is less than 12 months old, never lived in, and meets the C1 rating definition. The subject was built with\nmaterials that align with a Q3 rating. Though the subject is not custom it was built with materials to withstand the elements and have lower\noverall maintenance.\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 11 of 24\nPage 11 of 24\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nThe subject is a legally permissible use based on its current zoning. Also, the lot size, shape, and land-to-building ratio allow the present\nstructure and indicate a good utilization of the improvements.\n\nMarket\n\nMarket Area Boundary Pioneer Drive to the North, Bailey Road to the East, Military Road to the South, Radio Drive to the West.\n\nSearch Criteria Description Search limited to site condominium housing with a footprint between 1,300-1,800 Sq. Ft. Additional limiting\nfactors include 2-4 bedrooms, 2-4 bathrooms, and a basement.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n"} diff --git a/chunks/json/9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265.json b/chunks/json/9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265.json new file mode 100644 index 0000000000000000000000000000000000000000..db54abd75dff1715dd4a1b51c7e18d6481d9f931 --- /dev/null +++ b/chunks/json/9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31711,"char_start":29909,"chunk_id":"chk_856def4fd53cdd70","chunk_index":9,"chunk_sha256":"9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"Important UCD activities, milestones and timelines are published on FannieMae.com and FreddieMac.com. Stay abreast of the latest information by monitoring for announcements from the GSEs on their respective websites or by subscribing to email updates.\n\n**17. What value is expected in the GSE-Specific Data Point LoanPriceQuoteInterestRatePercent?**\n\nThe MISMO v3.3.0 Logical Data Dictionary definition for this data point (which is incorporated into the UCD v1.5 and UCD v2.0) is: “The mortgage loan interest rate for which the price quote is calculated.” To ensure the correct rate is delivered in this data point, the GSEs included an Implementation Note in the UCD v2.0 explaining that the expected value is the interest rate offered to the borrower prior to their electing to purchase discount points. This data point is required whenever the FeeActualPaymentAmount value for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “LoanDiscountPoints” is greater than zero. Additionally, LoanPriceQuoteInterestRatePercent must be greater than the NoteRatePercent when RegulationZExcludedBonaFideDiscountPointsIndicator is “true”.\n\n**18. Are the Phase 3B Postponed and Phase 4 edits supported by the UCD v2.0 requirements?**\n\nYes. If you fully comply with the cardinality and conditionality specified in UCD v2.0, you will meet all critical edit requirements. Datapoints under critical edits are identified on Tab 7-UCD v2.0 XML Requirements in column N “Critical Edit Phase or Phase-ID”.\n\n**19. Do I need to implement UCD v2.0 to comply with Phase 4A critical edits?**\n\nNo. During the transition period (prior to mandate), UCD XML files can be submitted in either the UCD v1.5 format or UCD v2.0 format. The logic and requirements to meet UCD Critical Phase 4A Edits are the same in both UCD v1.5 and UCD v2.0.\n"} diff --git a/chunks/json/946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11.json b/chunks/json/946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11.json new file mode 100644 index 0000000000000000000000000000000000000000..a5a59fa056ab22680ec0cdf1fe4d394bacc53e12 --- /dev/null +++ b/chunks/json/946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1614,"char_start":0,"chunk_id":"chk_63f9036d5f9e26fb","chunk_index":0,"chunk_sha256":"946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"2020 FHLBank Public Use Database\n\nEffective January 1, 2019\n\nBusiness Name\n\nDefinition\n\nNew Field Name (2019-Present)\n\nYear\nLoanCharacteristicsID\nBank\nFIPSStateNumericCode\nFIPSCountyCode\nCoreBasedStatisticalAreaCode\n\nPrevious Field Name\n(Prior to 2019)\nYear\nAssigned ID\nBank\nFIPSStateCode\nFIPSCountyCode\nMSA\n\nYear\nLoan Characteristics ID\nBank\nFIPS State Numeric Code\nFIPS County Code\nCore Based Statistical Area Code\n\nCensusTractIdentifier\n\nTract\n\nCensus Tract Identifier\n\nCensusTractMinorityRatioPercent\n\nMinPer\n\nCensus Tract Minority Ratio Percent\n\n1\n2\n3\n4\n5\n6\n\n7\n\n8\n\n9\n10\n\nCensusTractMedFamIncomeAmount\nLocalAreaMedianIncomeAmount\n\nTraMedY\nLocMedY\n\nCensus Tract Median Family Income Amount\nLocal Area Median Income Amount\n\n11\n\nTotalMonthlyIncomeAmount\n\nIncome\n\nTotal Monthly Income Amount\n\n12 HUDMedianIncomeAmount\n\nCurAreY\n\nHUD Median Income Amount\n\n13\n\nLoanAcquisitionActualUPBAmt\n\n14\n\nLTVRatioPercent\n\n15 NoteDate\n16\n17\n\nLoanAcquistionDate\nLoanPurposeType\n\nUPB\n\nLTV\n\nMortDate\nAcquDate\nPurpose\n\nLoan Acquisition Actual UPB Amount\n\nLTV Ratio Percent\n\nNote Date\nLoan Acquisition Date\nLoan Purpose Type\n\n18\n\nProductCategoryName\n\nProduct\n\nProduct Category Name\n\n19 MortgageType\n\nFedGuar\n\nMortgage Type\n\n20\n21\n\nScheduledTotalPaymentCount\nLoanAmortizationMaxTermMonths\n\nTerm\nAmorTerm\n\nScheduled Total Payment Count\nLoan Amortization Max Term Months\n\n22 MortgageLoanSellerInstType\n\nSellType\n\nMortgage Loan Seller Inst Type\n\n23\n24\n25\n\nBorrowerCount\nBorrowerFirstTimeHomebuyer\nBorrower1Race1Type\n\nNumBor\nFirst\nBoRace\n\nBorrower Count\nBorrower First Time Homebuyer Indicator\nBorrower1 Race 1 Type\n\n26\n\nBorrower2Race1Type\n"} diff --git a/chunks/json/946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258.json b/chunks/json/946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258.json new file mode 100644 index 0000000000000000000000000000000000000000..2e6c661fa986c00c577ab18c8241c03406b97ee6 --- /dev/null +++ b/chunks/json/946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258.json @@ -0,0 +1 @@ +{"chunk":{"char_end":395914,"char_start":394306,"chunk_id":"chk_3b1ca29857a1db7b","chunk_index":313,"chunk_sha256":"946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Report Field\nID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nRental Information: Comparable Rental Properties – Comparable Property Information\n\n23.02.03.01\n\nNo label\n\n1400.0651\n\nImageCategoryType\n\n23.02.02\n\nComparable #\n\n2000.0078\n\nPropertyOrdinalNumber\n\n2000.0061\n\nAddressLineText\n\nA thumbnail of the property photo for the comparable unit displays when provided.\nIt is delivered with ImageCategoryType = “PropertyPhoto”. When applicable, photo\nredisplays in Rental Information Exhibits.\nAlways displays.\nNumbered sequentially beginning at 1.\nRedisplays in 23.03.24 when the comparable unit is compared to a subject property\nunit.\nAlways displays\n\n2000.0117\n\nAddressUnitDesignatorType\n\nDisplay when AddressUnitIdentifier Exists\n\n2000.0062\n\nAddressUnitIdentifier\n\nDisplay if exists\n\n23.02.03\n\nNo label\n\n23.02.04\n\nData Source:\n\n2000.0063\n\nCityName\n\n2000.0065\n\nStateCode\n\n2000.0064\n\nPostalCode\n\n0700.0125\n\nDataSourceType\n\n1800.0347\n\nDataSourceIdentifier\n\n23.02.05\n\nLease Start Date:\n\n2000.0038\n\n23.02.06\n\nActual Rent:\n\n2000.0041\n\nLeaseStartDate\nUnitMonthlyActualRentAmount\n\nComparable Rental Analysis\n\nAlways displays\n\nAlways displays\nSeparate multiple data sources with “|”\n\nDisplay when DataSourceType = “MLS” OR if Exists\nDisplay DataSourceType and DataSourceIdentifier in the same cell. Separate\nmultiple data sources with “|”\nDisplay if exists\n\nAlways displays\n\nThe Comparable Rental Analysis subsection displays when the Rental Information section displays. It includes all subject property units with\nUnitIncludedInRentScheduleIndicator (UID: 0700.0065, FID: Not on report) = \"true\".\n"} diff --git a/chunks/json/947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c.json b/chunks/json/947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c.json new file mode 100644 index 0000000000000000000000000000000000000000..8c187277bb01383b35284ab3a7bbf44e69999fce --- /dev/null +++ b/chunks/json/947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38907,"char_start":37289,"chunk_id":"chk_5b4d211fff3165c3","chunk_index":20,"chunk_sha256":"947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"o The number starts with the section number, as shown in URAR Section Organization. For example,\n\nfields displaying in the Subject Property section start with 3.\n\no Not on Report indicates that the information is included in the data but does not display.\no Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to\n\nthe iGuide or UAD Spec for more information.\n\n• Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or\n\nUSDA appraisals.\n\n• Field Names in the Reference Guide use business terminology and are in italics.\n\no Field Names provide additional clarity to the Report Label, and express conditionality (“When to\n\ninclude”) in business terms.\n\no Field Names in the Reference Guide are similar to, but not the same as, the MISMO Data Point\n\nName in the iGuide and UAD Spec.\n\nAppendix F-1: URAR Reference Guide\n\nPage 12 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nExample of Field Names in the Reference Guide\n\nIn this example, the Report Label “Detail” includes these field names, depending on Vehicle Storage Type.\n• For the Driveway:\n\no Driveway Surface Material is Asphalt\n\n• For the Garage:\n\no Vehicle Storage Attachment Type is Attached\no Vehicle Storage Area is 626 sq. ft.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nVehicle Storage – Information for each Vehicle Storage Type\n\n13.003 Detail\n\n13.003 Detail\n\n13.003 Detail\n\nRequired if Vehicle\nStorage Type is\nCarport or Garage\n\nRequired if Vehicle\nStorage Type is\nCarport or Garage\n"} diff --git a/chunks/json/948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6.json b/chunks/json/948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6.json new file mode 100644 index 0000000000000000000000000000000000000000..865d2a2aea9fa2e2263e89c0807689e1dd24c9af --- /dev/null +++ b/chunks/json/948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2238,"char_start":1830,"chunk_id":"chk_6aa7bd9d81504639","chunk_index":1,"chunk_sha256":"948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2b647bb8acc16b68","text_sha256":"948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6","token_estimate":102,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/dudo-integration-impact-memo-june-19-2025.pdf","below_target_min_tokens"]},"text":"Release Support\nThis update will be available in the DU Integration environment on or about May 21, 2025. If you have questions about the\nintegration impact or if you require support specific to this release, contact your Technology Integration Analyst or Integration\nSupport. For more information about DU, visit the DU webpage or contact your Fannie Mae representative.\n\n© 2025 Fannie Mae\n\n04.21.25 1 of 1\n"} diff --git a/chunks/json/94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9.json b/chunks/json/94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9.json new file mode 100644 index 0000000000000000000000000000000000000000..9ab188cf4fc6dcb03cceec773eabd9244a4f84cd --- /dev/null +++ b/chunks/json/94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18690,"char_start":15637,"chunk_id":"chk_c6b56278e3d4ff19","chunk_index":8,"chunk_sha256":"94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9f0e8e7d968a8db1","text_sha256":"94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9","token_estimate":801,"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":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/206\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/reports\\/collateral-pledged-to-fhlbanks\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.\n\n**Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users**\n\nMeet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD.\n\n[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates)\n\n![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg)\n\n[Announcements](#uad-announcements)\n\n![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg)\n\n[Get Started with UAD 3.6](#uad-36-resources)\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg)\n\n[UAD 3.6 Documentation](#uad-documentation)\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg)\n\n[UAD 2.6 and Resources](#uad-26-resources)\n"} diff --git a/chunks/json/94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77.json b/chunks/json/94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77.json new file mode 100644 index 0000000000000000000000000000000000000000..761bd06844b0329cdfcc7e88fcc83df12bfec6b5 --- /dev/null +++ b/chunks/json/94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32100,"char_start":30486,"chunk_id":"chk_d76e86bb08d4e879","chunk_index":17,"chunk_sha256":"94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Completion Status Example 2\n\nIn this example, the construction is not complete.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 17 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Completion Status\n\nCompletion Status Example 3\n\nIn this example, the construction is complete, but not consistent with the original plans and specs.\n\nCompletion Status Questions\n\nReport\nField ID\n\n05.001\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCompletion Report - Completion Status Questions\n\nIs construction\ncomplete?\n\nRequired if Original\nMarket Value\nCondition 02.003\nincludes Subject to\nCompletion Per Plans\n\nYes | No\n\nConstruction Complete\n\nRequired if\nConstruction Complete\nis Yes\n\nPhoto\n\nIf construction is complete, photo(s) of the completed construction must be\nprovided, which display in Completion Report Exhibits with the caption\n“Completed Construction.” An additional caption may be provided to further\nidentify each photo.\n\nRequired if\nConstruction Complete\nis Yes\n\nYes | No\n\nConstruction Consistent with Original Plans and Specs\n\nSee\niGuide\n\nN/A\n\n05.002 Was\n\nconstruction\ncompleted in a\nmanner\nconsistent with\nthe original\nplans and\nspecifications?\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 18 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Completion Status\n\nCompletion Status Table\n\nThe Completion Status table displays if Construction Consistent with Original Plans and Specs (05.002) is No.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n05.003\n\nFeature\n\nN/A\n\nSee\niGuide\n\n05.004\n\nLocation\n\n05.005 Comparison to\nOriginal Plans /\nSpecs\n"} diff --git a/chunks/json/94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661.json b/chunks/json/94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661.json new file mode 100644 index 0000000000000000000000000000000000000000..d46a3e4625ce1280bad1a7744e865ab47c37c196 --- /dev/null +++ b/chunks/json/94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661.json @@ -0,0 +1 @@ +{"chunk":{"char_end":761174,"char_start":759575,"chunk_id":"chk_e07560c0f026f053","chunk_index":451,"chunk_sha256":"94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Are there any adverse site conditions or\nexternal factors (easements,\nencroachments, environmental\nconditions, land uses, etc.)? No\nAre there any adverse site conditions or\nexternal factors (easements,\nencroachments, environmental\nconditions, land uses, etc.)? If Yes,\ndescribe\nData source(s) for project information\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nAdverseSiteConditions' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nAdverseSiteConditions' and @_ExistsIndicator='N']\n\nProperty Analysis\nComment\n\nData Source\nDescription\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nAdverseSiteConditions']/@_Comment\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@DataSourceDescription\n\nPROJECT\nINFORMATION\n\nProject Description\nDetached\n\nProject Design Type\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Detached'\n]\n\nPROJECT\nINFORMATION\n\nProject Description\nRow or Townhouse\n\nProject Design Type\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Townhou\nseRowhouse']\n"} diff --git a/chunks/json/94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed.json b/chunks/json/94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed.json new file mode 100644 index 0000000000000000000000000000000000000000..efd53d5f4b08966272fc77819ab89e7df0945a32 --- /dev/null +++ b/chunks/json/94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10391,"char_start":8720,"chunk_id":"chk_1243ca9730fa3d4d","chunk_index":5,"chunk_sha256":"94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1eaa5614f4ca2d0","text_sha256":"94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Data___FHFA_j61nd8.md"]},"text":"Consistent with the Open Government Data Act and other federal requirements, FHFA also publishes certain data governance documents and similar resources for public awareness.\n\nFHFA’s Open Data point of contact is the Agency’s Chief Data Officer, Shawn Bucholtz. You may contact FHFA regarding [Data and Research](/contact/data-and-research) or with [general questions or feedback](/contact/general).\n\n## [Downloadable Data](/data/datasets)\n\nDownloadable data sets include: Conforming Loan Limits, Duty to Serve, Enterprise Housing Goals, Fair Lending, Federal Home Loan Bank (FHLBank) Member, FHLBank Stress Tests for Market and Credit Risk, FHFA House Price Index (FHFA HPI®), FHFA Uniform Appraisal Dataset Aggregate Statistics, Market Data, MIRS Transition Index, National Mortgage Database Aggregate Data (National Mortgage Database (NMDB®)), National Survey of Mortgage Originations, Public Use Databases, and Underserved Areas Data\n\n## [Reports](/reports)\n\nEconomists, policy analysts, and others within FHFA engage in a wide array of research activities. We make reports that focus on mortgage markets trends and a variety of market health indicators available to the public.\n\n## [FHFA Stats Blog](/blog?blog_category[13281]=13281)\n\nThe Stats Blog highlights how FHFA uses data to monitor the health of the nation’s housing markets. Each blog post focuses on a single aspect of the housing market, offering critical insights on data availability, usage, and limitations.\n\n## [Dashboards](/data/dashboard)\n\nThe FHFA Tools page contains interactive maps for House Price Index®, Duty to Serve, Borrower Assistance, UAD Aggregate Statistics, and Conforming Loan Limit.\n"} diff --git a/chunks/json/94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51.json b/chunks/json/94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51.json new file mode 100644 index 0000000000000000000000000000000000000000..f94c3c0cbaafd76b856ff6e4d5a33bf5bcdccb4d --- /dev/null +++ b/chunks/json/94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12267,"char_start":10489,"chunk_id":"chk_4480bd50bc5b6cba","chunk_index":6,"chunk_sha256":"94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4aac393be9462776","text_sha256":"94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fact_Sheets___FHFA_dzrdl.md"]},"text":"​​​View Full Fact Sheet (PDF)​​​ ​​ BACKGROUND​ The Federal Housing Finance Agency (FHFA) requires sales of non- performing loans (NPLs) and re-performing loans (RPLs) by Freddie Mac and Fannie Mae (the Enterprises) to meet specific requirements. Drawing on the Enterprises’ experience with NPL and...\n - Fact Sheet\n\nMarch 23, 2023\n\n## [Fact Sheet: Credit Score Models and Credit Report Requirements](/news/fact-sheet/fact-sheet-credit-score-models-and-credit-report-requirements)\n\n​ ​View ​ Full Fact Sheet (PDF) FHFA Announces Proposed Implementation Timelines for Credit Score Models and Credit Report Requirements and a Public Engagement Process The Federal Housing Finance Agency (FHFA) announced proposed implementation timelines for the use of the FICO 10T and the...\n - Fact Sheet\n\nFebruary 23, 2023\n\n## [Proposed Rule to Amend Enterprise Regulatory Capital Framework](/news/fact-sheet/proposed-rule-to-amend-enterprise-regulatory-capital-framework)\n\n​​​​ ​​​​​​FHFA PROPOSED RULE TO AMEND ENTERPRISE REGULATORY CAPITAL FRAMEWORK Background ​​The Housing and Economic Recovery Act of 2008 amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to require the Federal Housing Finance Agency (FHFA) to establish, by...\n - Fact Sheet\n\nDecember 20, 2022\n\n## [FHFA Factsheet on the New Enterprise Products and Activities Final Rule](/news/fact-sheet/fhfa-factsheet-on-the-new-enterprise-products-and-activities-final-rule)\n\n​View Full Fact Sheet (PDF) FINAL RULE FOR PRIOR APPROVAL OF ENTERPRISE PRODUCTS BACKGROUND Section 1321 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by section 1123 of the Housing and Economic Recovery Act of 2008 (Safety and Soundness Act), requires...\n - Fact Sheet\n"} diff --git a/chunks/json/94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a.json b/chunks/json/94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a.json new file mode 100644 index 0000000000000000000000000000000000000000..72f486aa42c2b08fa30f1a149a05135233ec8fc7 --- /dev/null +++ b/chunks/json/94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":232187,"char_start":230577,"chunk_id":"chk_2c792f4b8c26d058","chunk_index":131,"chunk_sha256":"94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n\nHOA Acre Inc.\n\n\n\n\n \n \n \n\n500.00\n Buyer\n false\n\n\n \n\n \n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 101 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nN. LOAN CALCULATION AND FORECLOSURE DATA\n\nThe next containers in the XML file provide summary data about the costs of the loan and the borrower’s rights if the loan is\nforeclosed upon.\n\nUCD UID\n\n999.223\n\n999.224\n\n999.225\n\n999.226\n\n999.277\n\nTable 46. XML File Container Structure for Loan Calculations and Foreclosure Data.\n\nContainer Name\n\nUCD Usage Notes\n\nFEES_SUMMARY\n\nHolds containers with data points summarizing and totaling costs of the\nmortgage loan.\n\nFEE_SUMMARY_DETAIL\n\nHolds data points summarizing the total cost of the loan.\n\nFORECLOSURES\n\nHolds one set of foreclosure information (one instance of FORECLOSURE).\n\nFORECLOSURE\n\nHolds the container and data point about foreclosure of the subject loan.\n\nFORECLOSURE_DETAIL\n\nIn the UCD, holds one data point with information about future disclosure.\n\n1. LOAN CALCULATION DATA\n\nThe following five calculations summarizing how much it will cost the borrower for financing the mortgage populate the\n\n“Loan Calculations” table on the CD and are all contained in FEE_SUMMARY.\n\nFigure 70. Rendering Loan Calculation Data on the CD.\n"} diff --git a/chunks/json/94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506.json b/chunks/json/94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506.json new file mode 100644 index 0000000000000000000000000000000000000000..e32e51d6c6a93fdffa2bdfcec8bd22781c8ec64b --- /dev/null +++ b/chunks/json/94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1746,"char_start":1713,"chunk_id":"chk_86481c83c23ff4a6","chunk_index":1,"chunk_sha256":"94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9953ee7c0cb6551","text_sha256":"94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-july-19-2025.pdf","below_target_min_tokens"]},"text":"© 2025 Fannie Mae 6.18.25 1 of 1\n"} diff --git a/chunks/json/94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb.json b/chunks/json/94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb.json new file mode 100644 index 0000000000000000000000000000000000000000..df2c03f72c80335dc314387ba62ad8565e204bc9 --- /dev/null +++ b/chunks/json/94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54363218,"char_start":0,"chunk_id":"chk_5358672562ae128c","chunk_index":0,"chunk_sha256":"94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb","date_utc":"2026-01-27T18:11:28+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_a8b8752a1e26a54e","text_sha256":"94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb","token_estimate":1138,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/ama_pudb_export_123110.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2010 | Loan Number: 1 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 04 | FIPSCountyCode: 013 | MSA: 99999 | FeatureID: 0000037065 | Tract: 0101.00 | MinPer: 3.64 | TraMedY: 85567 | LocMedY: 44769 | Tractrat: 1.9113 | Income: 211788 | CurAreY: 66600 | IncRat: 3.18 | UPB: 322000 | LTV: 0.7854 | MortDate: 2010 | AcquDate: 2010 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 180 | AmorTerm: 180 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 2 | CoSex: 1 | BoAge: 45 | CoAge: 39 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0388 | Amount: 322000 | Front: 0.1296 | Back: 0.2111 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2010 | Loan Number: 2 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 99999 | FeatureID: 0000205720 | Tract: 0726.00 | MinPer: 24.22 | TraMedY: 44167 | LocMedY: 64875 | Tractrat: 0.6808 | Income: 35541 | CurAreY: 104300 | IncRat: 0.3408 | UPB: 140000 | LTV: 0.7292 | MortDate: 2010 | AcquDate: 2010 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 53 | CoAge: 46 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0475 | Amount: 140000 | Front: 0.4175 | Back: 0.4348 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 1 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2010 | Loan Number: 3 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 99999 | FeatureID: 0000206996 | Tract: 0612.00 | MinPer: 11.32 | TraMedY: 65361 | LocMedY: 64875 | Tractrat: 1.0075 | Income: 79944 | CurAreY: 104300 | IncRat: 0.7665 | UPB: 181000 | LTV: 0.6582 | MortDate: 2010 | AcquDate: 2010 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 180 | AmorTerm: 180 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 2 | CoSex: 4 | BoAge: 55 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0388 | Amount: 181000 | Front: 0.2641 | Back: 0.3646 | Borrower Credit Score: 4 | Co-Borrower Credit Score: 9 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2010 | Loan Number: 4 | FHLBank\n"} diff --git a/chunks/json/94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73.json b/chunks/json/94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73.json new file mode 100644 index 0000000000000000000000000000000000000000..771fb0362d702479f8b9397357aedf030b6befad --- /dev/null +++ b/chunks/json/94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73.json @@ -0,0 +1 @@ +{"chunk":{"char_end":112530,"char_start":110916,"chunk_id":"chk_b14f0fc19b76d4ee","chunk_index":66,"chunk_sha256":"94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Site Utility Public\nIndicator\n\nIndicates whether the utility specified\nby Site Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Water']/@_PublicIn\ndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified\nby Site Utility Type is a non-public\nutility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Water']/@_NonPubl\nicIndicator\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\nIf no water service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\n1\n\n1\n\nIf no water service is present, indicate 'None' in the description field.\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe\nthe ownership of the utility specified\nby Site Utility Type if it is a non-\npublic utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Water']/@_NonPubl\nicDescription\n\n25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the water source if present and not public. If no water\nservice is present, indicate 'None' in the description field.\n\n101\n\nSITE\n\n102\n\nSITE\n\n103\n\nSITE\n\n104\n\nSITE\n\n105\n\nSITE\n\n106\n\nSITE\n\n107\n\nSITE\n\n108\n\nSITE\n\nUtilities\nWater\nPublic\n\nUtilities\nWater\nOther\n\nUtilities\nWater\nOther (describe)\n\nUtilities\nSanitary Sewer\nPublic\n\nSite Utility Public\nIndicator\n"} diff --git a/chunks/json/9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694.json b/chunks/json/9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694.json new file mode 100644 index 0000000000000000000000000000000000000000..c78e28440db6711b8dfc1a1262f600c7e0d272cb --- /dev/null +++ b/chunks/json/9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694.json @@ -0,0 +1 @@ +{"chunk":{"char_end":559205,"char_start":557603,"chunk_id":"chk_b0661e2def4a8ed4","chunk_index":332,"chunk_sha256":"9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Known Building Certifications\nIndicates whether the property has obtained green, health, or wellness\ncertifications that are known to the appraiser.\n\nNo\n\nNo\n\nNo\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nNo\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nAppendix F-1: URAR Reference Guide\n\nPage 244 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Energy Efficient and Green Features\n\n22.06.02\n22.06.06\n\nBuilding\nCertification\n\nIf relevant\n\n22.06.03\n22.06.07\n\nEfficiency\nRating\n\nIf relevant\n\n22.06.03\n22.06.07\n\nEfficiency\nRating\n\nIf relevant\n\n22.06.03\n22.06.07\n\nEfficiency\nRating\n\nIf relevant\n\nFree-form\n\nYes | No\n\nFree-form\n\nFree-form\n\nIf applicable when\nKnown Building\nCertifications is Yes,\nand the row is\nincluded in the sales\ncomparison grid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nRequired when Known\nEfficiency Ratings is\nYes, and the row is\nincluded in the sales\ncomparison grid\n\nRequired when Known\nEfficiency Ratings is\nYes, and the row is\nincluded in the sales\ncomparison grid\n\nEnergy Efficient and\nGreen Features\n•\n\nBuilding\nCertification\nRating 6.009\n\nEnergy Efficient and\nGreen Features\n•\n\nKnown Efficiency\nRatings 6.010\n\nEnergy Efficient and\nGreen Features\n•\n\nEfficiency Rating\nName 6.012\n"} diff --git a/chunks/json/9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce.json b/chunks/json/9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce.json new file mode 100644 index 0000000000000000000000000000000000000000..ee1168e2e7681dee83f22ced7598a7e3226cfb1d --- /dev/null +++ b/chunks/json/9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce.json @@ -0,0 +1 @@ +{"chunk":{"char_end":80003,"char_start":78309,"chunk_id":"chk_129ceced11a41375","chunk_index":49,"chunk_sha256":"9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n46\n\nData PointsContainersLegend:Section 6: Acknowledgements and AgreementsMESSAGEEXECUTIONDOCUMENT_SETSDOCUMENTDOCUMENT_SETSIGNATORIESSIGNATORYExecutionDateEXECUTION_DETAILDOCUMENTS\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n47\n\nData PointsContainersLegend:Section 7: Military ServiceDEALBORROWERPARTIESPARTYROLESROLEBORROWER_DETAILSelfDeclaredMIlitaryServiceIndicatorSpousalVABenefitsEligibilityIndicatorMILITARY_SERVICEMILITARY_SERVICESMilitaryStatusTypeMilitaryServiceExpectedCompletionDate\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n48\n\nData PointsContainersLegend:Section 8: Demographic InformationGOVERNMENT_MONITORINGHMDA_RACEHMDA_ETHNICITY_ORIGINSHMDA_RACESHMDA_ETHNICITY_ORIGINHMDA_RACE_DESIGNATIONSHMDA_RACE_DETAILULAD:HMDARaceDesignationTypeULAD:HMDARaceDesignationOtherAsianDescriptionULAD:HMDARaceDesignationOtherPacificIslanderDescriptionHMDAEthnicityRefusalIndicatorHMDAGenderRefusalIndicatorHMDARaceRefusalIndicatorHMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicatorHMDAGenderCollectedBasedOnVisualObservationOrNameIndicatorHMDARaceCollectedBasedOnVisualObservationOrSurnameIndicatorGOVERNMENT_MONITORING_DETAILHMDARaceTypeHMDARaceTypeAddtionalDescriptionHMDA_RACE_DESIGNATIONHMDAEthnicityOriginTypeHMDAEthnicityOriginTypeOtherDescriptionDEALBORROWERPARTIESPARTYROLESROLEEXTENSIONULAD:HMDA_ETHNICITIESOTHERULAD:HMDA_ETHNICITYULAD:HMDAEthnicityTypeEXTENSIONOTHERULAD:HMDAGenderTypeULAD:ApplicationTakenMethodTypeULAD:GOVERNMENT_MONITORING_EXTENSIONULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSIONEXTENSIONOTHERULAD:HMDA_RACE_DESIGNATION_EXTENSION\n"} diff --git a/chunks/json/951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f.json b/chunks/json/951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f.json new file mode 100644 index 0000000000000000000000000000000000000000..acb398119c339e788e4bd9516aa1b6ad734b2dba --- /dev/null +++ b/chunks/json/951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":267466,"char_start":265796,"chunk_id":"chk_714e806b3a941452","chunk_index":156,"chunk_sha256":"951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 64 of 211\n\nDocument Version 1.4\n\nSort ID\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 Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n342\n\n2\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below\ngrade.\n\n343\n\n2\n\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nOther Room Count\n\nThe number of finished rooms other\nthan recreation rooms, bedrooms, and\nbathrooms in the below grade space.\n\n344\n\n345\n\n346\n\n347\n\n348\n\n349\n\n350\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n84\n\n85\n\n86\n\n87\n\n88\n\n89\n\n90\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\nAdjustment\n\n(Line 2)\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nFunctional Utility\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nFunctional Utility\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n"} diff --git a/chunks/json/951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563.json b/chunks/json/951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563.json new file mode 100644 index 0000000000000000000000000000000000000000..3918587b7de37a5915ba4193c8be19ff8ad621fc --- /dev/null +++ b/chunks/json/951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1630,"char_start":0,"chunk_id":"chk_0833f3c86e0566ae","chunk_index":0,"chunk_sha256":"951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8e3d94901b655c7c","text_sha256":"951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae4.md"]},"text":"---\ntitle: \"Uniform Appraisal Dataset | Fannie Mae\"\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:46:22.092Z\"\nselector: \".layout.masthead-custom.js-layout-exists.rag-highlight-border\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Uniform_Appraisal_Dataset___Fannie_Mae4\"\n---\n\n## []()Get started with UAD 3.6\n\n###\n\n##### Partner Playbook\n\nDesigned to help industry partners prepare for the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/34686/display)\n\n##### Servicer Preparedness\n\nPrepares servicers for the transition for UAD 3.6.\n\n[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers)\n\n##### Inspection and Reporting Tips\n\nAppraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6\n\n[Learn more **](/media/43946/display)\n\n##### UAD 3.6 Selling Guide Supplement\n\nAccess UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide.\n\n[Learn more **](/media/42571/display)\n\n##### UAD and Forms Redesign Timeline\n\nDetailed timeline outlines specific dates for each implementation phase to help the industry prepare.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/25391/display)\n\n##### Industry Training for the New UAD and URAR\n\nNew URAR course educates industry on the dynamic appraisal reports and updated dataset.\n\n[Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html)\n\n##### Lender Readiness Kit\n"} diff --git a/chunks/json/9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7.json b/chunks/json/9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7.json new file mode 100644 index 0000000000000000000000000000000000000000..e4f54e4562a5ac8be4537772190a51e69496e3c9 --- /dev/null +++ b/chunks/json/9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1905,"char_start":0,"chunk_id":"chk_94645187a97f62fa","chunk_index":0,"chunk_sha256":"9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2c97a2a118f4ef52","text_sha256":"9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7","token_estimate":476,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-25-2025.pdf"]},"text":"DU for Government Loans Release Notes\nJanuary 2025 Release\n\nDec. 18, 2024\n\nDuring the weekend of Jan. 25, 2025, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA\nchanges.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nFHA Loan Limits\n\nFHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2025 county\nloan limit updates.\n\nHowever, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit, and the FHA\nNational Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU\nwill display the 2024 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 25 where a property\ncounty cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or\nresubmitted on or after the weekend of Jan. 25 where a property county cannot be determined, DU will display the 2025 FHA\nNational Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the\ncorrect limit is applied when determining eligibility.\n\nVA 2025 County Loan Limit Changes\n\nThe 2025 county loan limits are available on VA’s website.\n\nVA loan casefiles submitted or resubmitted prior to the weekend of Jan. 25 will be underwritten using the 2024 VA county loan\nlimits. All VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 25 will be underwritten using the 2025 VA\ncounty loan limits. Because the 2025 VA county loan limits will not be implemented on the date they are in effect, lenders are\nresponsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from Jan. 1\nthrough Jan. 25.\n"} diff --git a/chunks/json/952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2.json b/chunks/json/952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2.json new file mode 100644 index 0000000000000000000000000000000000000000..872852369e771929b5f55cadaafd963c5d02d2b0 --- /dev/null +++ b/chunks/json/952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":340131,"char_start":338513,"chunk_id":"chk_dc56976cbf7c6b12","chunk_index":196,"chunk_sha256":"952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Unit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,568 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\n3\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,568 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n3 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Laundry Room\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ3\n\nInterior Condition Rating\n\nC2\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\n1-5 Years\n\nFully Updated\n\n1-5 Years\n\nFully Updated\n\n1-5 Years\n\nQuality Comment\nAll appliances are\nEnergy Star® Rated,\ncountertops are solid\nsurface.\n\nMetal plumbing\nfixtures.\n\nMetal plumbing\nfixtures.\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nCondition Status\nNew or Like New\n\nCondition Comment\n\nNew or Like New\n\nNew or Like New\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 8 of 20\n\nUnit Interior (continued)\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nLaminate\n\nQuality Comment\nUpgraded Carpet\n\nWalls and Ceiling\n\n8 Foot | Flat | Vaulted\n\nOverall Update Status for\nFlooring\n"} diff --git a/chunks/json/952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee.json b/chunks/json/952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee.json new file mode 100644 index 0000000000000000000000000000000000000000..908a23c160f520e29e16bc3ef21449aeb8518bf5 --- /dev/null +++ b/chunks/json/952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":482866,"char_start":481259,"chunk_id":"chk_1179709461540b93","chunk_index":361,"chunk_sha256":"952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• “true”\n\no Display sub-header: Additional Supervisory Appraiser Certifications (FID: 29.061)\no Display in italics below sub-header: Additional Supervisory Appraiser Certifications cannot be contrary to the original\n\nSupervisory Appraiser Certifications.\n\no Deliver ValuationAdditionalCertificationIncludedByType = “AppraiserSupervisor”\no Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 29.062) and deliver in XML.\n\n▪ Additional certifications are numbered starting at 1.\n\n• “false”\n\no Do not display\n\nSignature\n\nThe Signature subsection always displays. There can be multiple signatures on the report. Every valuation report must contain a\nPartyRoleType = \"Appraiser\" and/or \"AppraiserSupervisor\".\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 375\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nSignature\n\n29.063\n\n[Role]\n\n2400.0056 PartyRoleType\n\nWhen PartyRoleType = \"Appraiser\" or \"AppraiserSupervisor\" display “Appraiser” first\nand, when applicable, “Supervisory Appraiser” below the appraiser (Figure 29 - 1)\n\n29.065\n\n[Contact name(s)]\n\n29.066\n\n29.067\n\nDate of Signature and\nReport\nLevel\n\n2400.0041\n2400.0042\n2400.0043\n2400.0044\n\nFirstName\nLastName\nMiddleName\nSuffixName\n\nFirstName and LastName always display.\nMiddleName and SuffixName display when provided.\n\n2200.0002\n\nExecutionDate\n\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\"\n\n2400.0051 AppraiserLicenseType\n\n29.068\n\nID\n\n2400.0054\n\nLicenseIdentifier\n\n29.069\n\nState\n\n2400.0055\n\nLicenseIssuingAuthorityStateCode\n\n29.070\n\nExpires\n\n2400.0053\n\nLicenseExpirationDate\n"} diff --git a/chunks/json/9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7.json b/chunks/json/9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7.json new file mode 100644 index 0000000000000000000000000000000000000000..f7847ed0ecad32ff98b2af1d76551146ed7f6953 --- /dev/null +++ b/chunks/json/9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4881,"char_start":3278,"chunk_id":"chk_367d08fc0c2bd914","chunk_index":2,"chunk_sha256":"9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"image/png\n\nLevelOne\n\nNewer laminate floor installed. Some cabinet hardware missing.\n\nTypicalWearAndTear\n\nAdd comment if needed.\n\nFullBathroom\n\nFiveToTenYears\n\nPartiallyUpdated\n\n\\\\Images\\2-4_Dwelling2Kitchen.png\n\nimage/png\n\nLevelOne\n\nSome hardware noted to be missing from cabinets.\n\nTypicalWearAndTear\n\nAdd comment if needed.\n\nStandard\n\nKitchen\n\nFiveToTenYears\n\nPartiallyUpdated\n\n\\\\Images\\2-4_Dwelling2LivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\n0\n\nNo\n\n0\n\n925\n\nfalse\n\nResidential\n\nRanch\n\nSiteBuilt\n\nEngineeredWood\n\nAdd comment if needed.\n\nTypicalWearAndTear\n\nT-111 siding\n\nExteriorWallsAndTrim\n\nMetal\n\nPostAndPier\n\nAdd comment if needed.\n\nTypicalWearAndTear\n\nAdd comment if needed.\n\nFoundation\n\nTwentyOrMoreYears\n\ntrue\n\nMetal\n\nRust noted on the roof. Metal galvanized roofs can deteriorate when rust forms. No ruptures or leaks noted at the time of inspection.\n\nTypicalWearAndTear\n\nAdd comment if needed.\n\nRoof\n\nAdd comment if needed.\n\nNewOrLikeNew\n\nAdd comment if needed.\n\nWindows\n\nInsulated\n\nC4\n\nQ5\n\nUpToOneFoot\n\n1\n\nBuilding 2\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nNone\n\nPropertyPhoto\n\n\\\\Images\\2-4_SubjectProperty.png\n\nimage/png\n\nEast\n\nPropertyAccess\n\n\\\\Images\\2-4_PropertyAccessEast.png\n\nimage/png\n\nWest\n\nPropertyAccess\n\n\\\\Images\\2-4_PropertyAccessWest.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\2-4_CompMap.png\n\nimage/png\n\nRentalComparableMap\n\n\\\\Images\\2-4_RentCompMap.png\n\nimage/png\n\nGrossRentMultiplierComparableMap\n\n\\\\Images\\2-4_GRMMap.png\n\nimage/png\n\nFloorPlan\n\n\\\\Images\\2-4_Floorplan.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\2-4_Dwelling1Front.png\n\nimage/png\n"} diff --git a/chunks/json/9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9.json b/chunks/json/9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9.json new file mode 100644 index 0000000000000000000000000000000000000000..26a64bc4d37cc4c232eb2ab5a95f0aeae30a23f6 --- /dev/null +++ b/chunks/json/9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":82507,"char_start":80829,"chunk_id":"chk_df499c98f26d5391","chunk_index":46,"chunk_sha256":"9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\n1.084\n\nN/A\n\nDisplays when there\nare no defects,\ndamages, or\ndeficiencies requiring\naction\n\nAllowable\nAnswers / Format\n\nN/A\n\nDefinition / Additional Guidance\n\nThere are no apparent defects, damages or deficiencies requiring action. For\ndetails, reference the ‘Reconciliation’ section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 30 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nInformation That May Display in Gray Bars\n\nThe applicable URAR sections display as gray bars in the Apparent Defects, Damages, Deficiencies Requiring\nAction table.\n\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n\nReport Label\n\nOrigin of Information (Section)\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\n1.039\n1.046\n\nN/A\n\nStructure Identifier 8.000\n\nDwelling Exterior\n•\nUnit Interior\n•\n\nStructure Identifier 10.001\n\n1.047\n1.062\n\nN/A\n\nUnit Interior\n•\n\nUnit Identifier 10.002\n\n1.054\n1.061\n\nN/A\n\nOutbuilding\n•\n\nOutbuilding Type 12.001\n\nStructure Identifier: An identifier (building name) created by the appraiser\nto differentiate among multiple dwellings on the property.\nExamples: Building 1, Building 2, Front, Rear\nRedisplays if applicable from the original section.\nUnit Identifier: An identifier assigned by the appraiser that differentiates\nbetween multiple units on the property.\nExamples: Unit 1, Unit 2, Primary Dwelling, ADU\nRedisplays if applicable from the original section.\n\nRedisplays if applicable from the original section.\n\nInformation About each Defect, Damage, or Deficiency\n\nOnly those defects, damages, or deficiencies requiring completion, inspection, or repair redisplay in the\nSummary section.\n"} diff --git a/chunks/json/95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005.json b/chunks/json/95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005.json new file mode 100644 index 0000000000000000000000000000000000000000..4c483048d6d733c2cf44dbf961edaacee904c761 --- /dev/null +++ b/chunks/json/95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005.json @@ -0,0 +1 @@ +{"chunk":{"char_end":496373,"char_start":494714,"chunk_id":"chk_101a040e20611209","chunk_index":294,"chunk_sha256":"95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Short Sale\n\nA sale of property in which the lien holder accepts less than the debt or obligation against the property.\n\nTypically Motivated\n\nA sale that occurs under open and competitive market conditions where both parties are well informed, acting in their\nown best interest. Note: Most arm’s length sales are typically motivated.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list, e.g., Private Sale.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nReason Price Not Available (If applicable, choose one for each Sale or Transfer)\n\nNot Disclosed\n\nNot Recorded\n\nOther (Describe)\n\nSale or transfer price is not available to the general public or to the appraiser in the normal course of business. Example:\nNon-disclosure states\n\nInformation not on file in the local jurisdictional authority. Example: Delays in recording\n\nSelect Other to enter an answer that is not in the above list.\nExample: Confidentiality requested by client\n\nAppendix F-1: URAR Reference Guide\n\nPage 211 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n21 Prior Sale and Transfer History\n\nAnalysis of Prior Sales and Transfers\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAnalysis of Prior Sales and Transfers\n\nAlways required\n\nFree-form\n\nThe appraiser must explain the results of their analysis including research\nperformed, details of the transactions, and any differences between the sales\nor transfers.\n\nAlways required\n\nFree-form\n\nThe appraiser must explain the results of their analysis including research\nperformed, details of the transactions, and any differences between them.\n"} diff --git a/chunks/json/958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350.json b/chunks/json/958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350.json new file mode 100644 index 0000000000000000000000000000000000000000..71573f4af08ff417f13383893ba4bc0cbe65147a --- /dev/null +++ b/chunks/json/958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350.json @@ -0,0 +1 @@ +{"chunk":{"char_end":673958,"char_start":672258,"chunk_id":"chk_cbaf8b9002cb3a19","chunk_index":401,"chunk_sha256":"958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350","token_estimate":425,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Rental Information Exhibits\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAlways required\n\nImage\n\nRental\nInformation\nExhibits\n\nMap of Subject and Rental Comparables\nA map of the subject and rental comparables must be provided, which can\ndisplay in Rental Information Exhibits with the caption “Map of Rental\nComparables”. An additional caption may be provided.\n\nSee\niGuide\n\nRental\nInformation\nExhibits\n\nSee\niGuide\n\nRental\nInformation\nExhibits\n\nIf relevant\n\nPhoto\n\nIf relevant\n\nPhoto or image\n\nNote: Can be provided as one map in the Sales Comparison Approach section.\n\nProperty Photo\nPhotos of the comparable rental properties display in this subsection with the\nComparable #. The thumbnails from the Comparable Rental Properties\nsubsection are redisplayed, in addition to any other photos for the comparable.\nAn additional caption may be provided.\n\nRental Information Exhibit\nOther photos or images related to the Rental Information section may be\nprovided which display in Rental Information Exhibits. A caption should be\nprovided to further describe the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 301 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n24 Income Approach\n\n24 Income Approach\n\nThe Income Approach section includes information about Gross Rent Multiplier (GRM) comparables (comps), market rent, and the GRM. The GRM\nuses the Total Monthly Market Rent for the subject as determined in the Rental Information section through the Comparable Rental Analysis\nsubsection and reported in the Rent Schedule (23.01.21). The Income Approach section provides space for additional commentary and exhibits.\n"} diff --git a/chunks/json/959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5.json b/chunks/json/959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5.json new file mode 100644 index 0000000000000000000000000000000000000000..62fd96f1f9bbbf7f526654f9a00b65f4606a8854 --- /dev/null +++ b/chunks/json/959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":95515,"char_start":93584,"chunk_id":"chk_1277e087bbb8223f","chunk_index":53,"chunk_sha256":"959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5","token_estimate":483,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"See Lease Agreements or the Uniform Residential Appraisal Report below for further information.\n\nMethod for Calculating the Income\n\nThe method for calculating rental income (or loss) for qualifying purposes is dependent upon the documentation that is being\nused (that is, Schedule E or a current fully executed lease agreement). The following table provides examples of different\nmethods.\n\nIf the supporting documentation is…\n\nAnd the property was\nin service…\n\nThe lender must…\n\nfederal tax returns, Schedule E\n\naverage the annual rental income or loss\nover 12 months\n\nfor a full or partial year\n\na current fully executed lease agreement\nsupporting monthly rental amount, and\nfederal tax returns, including Schedule E\n\nless than the full year,\nand the borrower\nqualifies for a\ndocumented\nexception to use a\nlease agreement to\nsupport monthly\nrental income\n\naverage the rental income (or loss) over\nthe number of months the borrower used\nthe property as a rental unit.\n\nWhen Schedule E is used to calculate qualifying rental income, the lender must add back any listed depreciation, interest,\nhomeowners’ association dues, taxes, or insurance expenses to the borrower’s cash flow. Non-recurring property expenses may\nbe added back, if documented accordingly.\n\nSee General Requirements for Documenting Rental Income, Reconciling Partial or No Rental History and Treatment of the Income (or\nLoss) for further instructions.\n\nLease Agreements or the Uniform Residential Appraisal Report\n\nWhen current lease agreements or market rents reported on the URAR1 are used, the lender must calculate the rental income by\nmultiplying the monthly gross rent(s) by 75%. This is referred to as “Rent” in the Opinion of Market Income (Monthly) table of the\nURAR1 . Lenders must not include other real property rental income in this calculation. The remaining 25% of the gross rent will be\nabsorbed by vacancy losses and ongoing maintenance expenses.\n"} diff --git a/chunks/json/959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b.json b/chunks/json/959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b.json new file mode 100644 index 0000000000000000000000000000000000000000..d79b6e96ad946539459da3f8b27695bf86f927f8 --- /dev/null +++ b/chunks/json/959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8653,"char_start":7061,"chunk_id":"chk_4c026982beb54094","chunk_index":4,"chunk_sha256":"959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.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![FHFA Building ](/sites/default/files/styles/desktop_hero/public/2023-11/homepage%20hero%20banner%20image.jpg.webp?h=4362216e&itok=ofxFuhg0)\n\n# ​FHFA AT-A-GLANCE\n\nThe FHFA's mission is to ensure that Fannie Mae, Freddie Mac and the FHLBanks fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment.\n"} diff --git a/chunks/json/959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678.json b/chunks/json/959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678.json new file mode 100644 index 0000000000000000000000000000000000000000..379e43e04367ab162540f0fbd3f8bc3d0ae948b8 --- /dev/null +++ b/chunks/json/959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3864,"char_start":2007,"chunk_id":"chk_3af25cfe4c1b8f7a","chunk_index":1,"chunk_sha256":"959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678","token_estimate":465,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"- Corrected xPaths to reflect PropertySequenceIdentifier = 0 in the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 384\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortID 319\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortID 317\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 368\n- Corrected Form Section title in Fannie Mae Form 1075 / Freddie Mac Form 466 for SortIDs 232 through 299\n- Corrected PDF Display Format in the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 412\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 396\n- Corrected xPaths to reflect Management TypeOtherDescription in the following:\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 185, 186, 187, 188\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 185, 186, 187, 188\n- Updated field Length to 35 for the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 282, 284, 286\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 371, 373, 375\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 369, 371, 373\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 266, 268, 270\n- Updated field length to 4000 for the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 456\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 440\n- Updated Days On Market definiton for the following:\n - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 41, 296\n - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 42, 388\n - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 42, 386\n - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 41, 280\n- Corrected bracket in xPath on Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIds 158, 160\n- Updated Field Length description in the Column Descriptions section\n- Updated some of the text in the Read Me section\n"} diff --git a/chunks/json/95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a.json b/chunks/json/95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a.json new file mode 100644 index 0000000000000000000000000000000000000000..17c3b2757e5fc3e6773fb43b47940345b89e55ca --- /dev/null +++ b/chunks/json/95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":76360,"char_start":74560,"chunk_id":"chk_327e9d1ab49f75e0","chunk_index":45,"chunk_sha256":"95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a","token_estimate":450,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nString\n\nMust provide a whole number or 'Unk' if not known.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nIf field 1-38 is indicated, this field must be\nindicated.\n\nCR\n\nCR\n\nCR\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nIf there are no current or prior offerings in the 12 months prior to the effective\ndate of the appraisal, then this field must indicate the data sources used to\nestablish this fact. Any relevant additional comments must also go in this\nfield.\n\n4000\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point\n\nBoolean UAD Requirement - Refer to Appendix D Contract Section\n\nBoolean UAD Requirement - Refer to Appendix D Contract Section\n\nUAD Requirement - Refer to Appendix D Contract Section\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\nAllowable Values PDF Display\n Comp Grid Page 1\nREOSale REO REO sale\nShortSale Short Short sale\nCourtOrderedSale CrtOrd Court ordered sale\nEstateSale Estate Estate sale\nRelocationSale Relo Relocation sale\nNonArmsLengthSale NonArm Non-arms length sale\nArmsLengthSale ArmLth Arms length sale\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\n\nR\n\nR\n\nR\n\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-41, 1-42 (values of Sales Contract\nReviewed Indicator) must be indicated.\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-41, 1-42 (values of Sales Contract\nReviewed Indicator) must be indicated.\n"} diff --git a/chunks/json/95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2.json b/chunks/json/95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2.json new file mode 100644 index 0000000000000000000000000000000000000000..9417a75473d4c664cc6b5d2e11d3d362defc9da1 --- /dev/null +++ b/chunks/json/95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":151249,"char_start":150947,"chunk_id":"chk_6f303c5698f3922f","chunk_index":137,"chunk_sha256":"95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2","token_estimate":87,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf","below_target_min_tokens"]},"text":"• TXR (rule) sets for signature and date.\n\n•\n\n“[Contact Name],” “Date of Signature and Report” set as SIG-B (brackets do not set, they\nindicate a placeholder).\n\nRight-hand side of page\n\n•\n\n“Level,” “ID,” “State,” “Expires” set as TXR-B, TXR.\n\nAppendix E: Report Style Guide\n\nPage 90 of 90\n\nVersion 1.4\n"} diff --git a/chunks/json/95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4.json b/chunks/json/95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4.json new file mode 100644 index 0000000000000000000000000000000000000000..8e7bc2e9b7e639d4be1ad016a1281aa95f6b5075 --- /dev/null +++ b/chunks/json/95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":138247,"char_start":136639,"chunk_id":"chk_9f5d7595fdbd7753","chunk_index":128,"chunk_sha256":"95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"paragraphs\n\n• Numbers set Myriad Pro Bold, followed by a period to text\n\n• Text sets TXC x 45 picas\n\nSignature (H1)\n\nLeft-hand side of page\n\n•\n\n“[Role]” set as TX-B (brackets do not set, they indicate a placeholder)\n\n• TXR (rule) sets for signature and date\n\n•\n\n“[Contact Name],” “Date of Signature and Report” set as SIG-B (brackets do not set, they\nindicate a placeholder)\n\nRight-hand side of page\n\n•\n\n“Level,” “ID,” “State,” “Expires” sets as TXR-B, TXR\n\nAppendix E: Report Style Guide\n\nPage 79 of 90\n\nVersion 1.4\n\nPart 3. Restricted Appraisal Update Report\n\nThis chapter contains details for the formatting of the Restricted Appraisal Update Report. Page size, margins,\nlayout grid are identical to the URAR.\n\nHeader Text\n\nDisplays on all report pages.\n\n½ point 50% black rule x 45 picas, offset 6 points above to:\n\n(HDR-L) Left side\n\n• 10-point Myriad Pro Bold “Restricted Appraisal Update Report”.\n\n(HDR-R) Right side\n\n•\n\n“Page [X] of [XX]” (where [X] stands for page number, [XX] for total pages in document) sets\nat top margin in 9-point Myriad Pro Regular, align right on 45 picas.\n\nHDR\n\nFooter Text\n\nDisplays on all report pages.\n\n2-point rule x 45 picas, 6 points space below to:\n\n(FTR-L) Left side\n\n• 8-point Myriad Pro Bold “Update Version #,” one line space below to 50% black “Fannie Mae\n\n| Freddie Mac,” “March 2023”\n\n(FTR-R) Right side\n\n• 8-point Myriad Pro bold with Myriad Pro Regular. Identifiers set stacked, aligned right, 1 em\nspace to identifiers, set in 8 point regular, align left, longest identifier aligns right on rule\nabove. Baseline of last line sits on bottom margin of .5\".\n"} diff --git a/chunks/json/95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218.json b/chunks/json/95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218.json new file mode 100644 index 0000000000000000000000000000000000000000..eb0a4d5a431a1d5eb6c42e5072e387d19cd8f292 --- /dev/null +++ b/chunks/json/95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218.json @@ -0,0 +1 @@ +{"chunk":{"char_end":375359,"char_start":373746,"chunk_id":"chk_0736ed6dd291c31f","chunk_index":301,"chunk_sha256":"95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"There are 11 defined rows in Interior Quality and Condition.\n\n➢\n➢\n➢\n➢\n\n2 rows are required (Always)\n1 row is conditionally required (If Applicable)\n8 rows may be provided (If Relevant)\nAdditional rows may be added\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nADU Quality and Condition\n\nThe ADU Interior Quality and Condition subsection displays on the sales comparison approach if the subject or any comparable(s) have an\nADU.\n\nPage 290\n\nThere are 11 defined rows in ADU Interior Quality and Condition.\n\n➢\n➢\n➢\n➢\n\n2 rows are required (Always)\n1 row is conditionally required (If Applicable)\n8 rows may be provided (If Relevant)\nAdditional rows may be added\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nThe Overall Quality and Condition subsection always displays in the Sales Comparison Approach section. It represents the reconciliation of\nall the interior and exterior quality and condition information included in the sales comparison grid.\n\nOverall Quality and Condition is the fifth of six subsections that has adjustments at the row level.\n\nThere are 2 defined rows in this subsection.\n\n2 rows are required (Always)\n\n➢\n➢ No rows are conditionally required (If Applicable)\n➢ No additional rows may be provided\n\nFigure 22 - 16\n\nProperty Amenities\n\nThe Property Amenities subsection displays only when relevant to the analysis in the Sales Comparison Approach.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Property Amenities subsection displays on the sales comparison grid when relevant to analysis and conclusions. If no supporting rows\nare selected, the subsection does not display.\n"} diff --git a/chunks/json/95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346.json b/chunks/json/95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346.json new file mode 100644 index 0000000000000000000000000000000000000000..6e1593536a78977192abed1e8f107f604381bfc4 --- /dev/null +++ b/chunks/json/95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5163,"char_start":214,"chunk_id":"chk_f5b855dcc4abf0a7","chunk_index":1,"chunk_sha256":"95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8034e4e632c21a59","text_sha256":"95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346","token_estimate":818,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Guide_Home_2jvbi6.md"]},"text":"var YUI_config={\"fetchCSS\":false,\"modules\":{\"RightNowTreeView\":\"/euf/core/3.11/js/4.310/min/modules/ui/treeview.js\",\"RightNowTreeViewDialog\":\"/euf/core/3.11/js/4.310/min/modules/ui/treeviewdialog.js\",\"RightNowTreeViewDropdown\":\"/euf/core/3.11/js/4.310/min/modules/ui/treeviewdropdown.js\"},\"lang\":[\"en-US\",\"en-US\"],\"injected\":true,\"comboBase\":\"//freddiemac.widget.custhelp.com/ci/cache/yuiCombo/\",\"groups\":{\"gallery-treeview\":{\"base\":\"/rnt/rnw/yui_3.18/gallery-treeview/\",\"modules\":{\"gallery-treeview\":{\"path\":\"gallery-treeview-min.js\"}}}}}; /* *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9.json b/chunks/json/960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9.json new file mode 100644 index 0000000000000000000000000000000000000000..b9a31edc4cf82aad06f7f80e67769c0979435ed5 --- /dev/null +++ b/chunks/json/960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":575310,"char_start":573465,"chunk_id":"chk_bfed2d74f76fe85b","chunk_index":339,"chunk_sha256":"960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9","token_estimate":462,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Allowable Values\n C1\n C2\n C3\n C4\n C5\n C6\n\nThis data is referenced more than once on the form for the subject property, and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Rooms Only.\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bedrooms Only.\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bathrooms Only.\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Gross Living Area Only.\nGross Living Area (GLA) must be reported in square feet.\n\nPDF Display Format:\n5-digit maximum, whole numbers only.\n\nNumeric\n\nNumeric\n\nNumeric\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe appraisal report must indicate the square footage in whole numbers only, no\ncommas. If there is no basement, a value of zero (0) must be entered.\n\nNumeric\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345 maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\n360\n\n3\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Finish Square\nFootage)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber\n"} diff --git a/chunks/json/9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1.json b/chunks/json/9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1.json new file mode 100644 index 0000000000000000000000000000000000000000..3a8af9b6afe08bf5a1a970ef90623ee23e650a96 --- /dev/null +++ b/chunks/json/9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2588,"char_start":1997,"chunk_id":"chk_05a076fc6aef104e","chunk_index":3,"chunk_sha256":"9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1","token_estimate":517,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"The DU Map Tab .................................................................................................................................. 9\n\nUnderstanding Conditionality ............................................................................................................. 11\n\nGovernment Loans .............................................................................................................................. 12\n\nFHA Loans .......................................................................................................................................... 12\n"} diff --git a/chunks/json/961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f.json b/chunks/json/961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f.json new file mode 100644 index 0000000000000000000000000000000000000000..5467ccb5272b7e74f9aa5b2528485a77eae8d235 --- /dev/null +++ b/chunks/json/961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":471024,"char_start":468509,"chunk_id":"chk_69756751c0ad2194","chunk_index":271,"chunk_sha256":"961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f","token_estimate":629,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 22 of 22\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"} diff --git a/chunks/json/96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0.json b/chunks/json/96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0.json new file mode 100644 index 0000000000000000000000000000000000000000..3e7a2d49378d7bf5e5828a1d65db9d4ea9cd666a --- /dev/null +++ b/chunks/json/96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31184,"char_start":29576,"chunk_id":"chk_8a565d35188a3a26","chunk_index":18,"chunk_sha256":"96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"$0\n\n1,288 Sq. Ft.\n\n$0\n\n1,456 Sq. Ft.\n\nDisaster Mitigation\n\nImpact Resistant Glass\n\nImpact Resistant\nGlass\n\nNone\n\n$5,000\n\nHeating\n\nUnit(s)\n\nNone\n\nNone\n\nNone\n\nImpact Resistant\nGlass\n\nNone\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above\nGrade\n\n2\n\n1 | 0\n\n2\n\n1 | 0\n\n3\n\n1 | 0\n\n$0\n\n2\n\n1 | 0\n\n864 Sq. Ft.\n\n864 Sq. Ft.\n\n612 Sq. Ft.\n\n$8,800\n\n728 Sq. Ft.\n\n$4,750\n\nFinished Area Below Grade\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nStructure ID | Unit ID\n\nBuilding 2 | Unit 2\n\nBuilding 2 | Unit 2\n\nBuilding 2 | Unit 2\n\nBuilding 1 | Unit 2\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above\nGrade\n\n2\n\n1 | 0\n\n2\n\n3 | 0\n\n$(5,000)\n\n2\n\n1 | 0\n\n2\n\n1 | 0\n\n864 Sq. Ft.\n\n1,926 Sq. Ft.\n\n$(37,200)\n\n676 Sq. Ft.\n\n$6,600\n\n728 Sq. Ft.\n\n$4,750\n\nFinished Area Below Grade\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nStructure ID\n\nQuality\n\nFoundation\n\nRoof\n\nCondition\n\nRoof\n\nWindows\n\nStructure ID\n\nQuality\n\nUniform Residential Appraisal Report\n\nPage 16 of 29\nPage 16 of 29\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n12345 Holiday Hwy\nSurfside, HI 12345\n\n13-222 N Trail Loop\nSurfside, HI 12345\n\n25-1837 Highmountain Pl\nSurfside, HI 12345\n\n22-1713 Broad Ave\nSurfside, HI 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nExterior Walls and Trim\n\nEngineered Wood\n"} diff --git a/chunks/json/961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd.json b/chunks/json/961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd.json new file mode 100644 index 0000000000000000000000000000000000000000..f87f49116eced964cd4a2f71349d065421084af2 --- /dev/null +++ b/chunks/json/961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8999,"char_start":7076,"chunk_id":"chk_7816aa3841a1f46a","chunk_index":4,"chunk_sha256":"961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd","token_estimate":479,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.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## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Credit Scores\n\nPolicy\n\n# Credit Scores\n\n*Last updated: July 15, 2025*\n\nU.S. Federal Housing (Federal Housing Finance Agency, FHFA), along with Fannie Mae and Freddie Mac (the Enterprises), is committed to regularly assessing and modernizing the credit score models used by mortgage lenders and other stakeholders in the housing finance system. This process is governed by the 2018 enactment of the Economic Growth, Regulatory Relief and Consumer Protection Act (Section 310) and the Validation and Approval of Credit Score Models Rule (12 CFR Part 1254), and is consistent with FHFA’s commitment to accuracy in credit scoring, as well as the safety and soundness of the Enterprises.\n"} diff --git a/chunks/json/962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9.json b/chunks/json/962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9.json new file mode 100644 index 0000000000000000000000000000000000000000..082b15241ecabb1f3c1a26a898bc1a4be6863a83 --- /dev/null +++ b/chunks/json/962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8192,"char_start":6559,"chunk_id":"chk_ea527f0657fdb4fb","chunk_index":4,"chunk_sha256":"962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9","token_estimate":451,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"59,118 followers\n\n10mo\n\n- [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)\n\nU.S. house prices rose 0.2 percent in January, according to the FHFA seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 4.8 percent from January 2024 to January 2025. The previously reported 0.4 percent price growth in December was revised upward to 0.5 percent. [https://lnkd.in/eu5jy_Td](https://lnkd.in/eu5jy_Td?trk=organization_guest_main-feed-card-text)\n\n- ![No alternative text description for this image]()\n `` `` [![image]() ![image]() 21](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` `` [1 Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)\n\n[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)\n"} diff --git a/chunks/json/9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775.json b/chunks/json/9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775.json new file mode 100644 index 0000000000000000000000000000000000000000..9a6481dc6fbeaee7a06d27f9742e05209b515e0d --- /dev/null +++ b/chunks/json/9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18507,"char_start":16809,"chunk_id":"chk_53c71da50acfcf30","chunk_index":10,"chunk_sha256":"9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775","token_estimate":425,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"Project\n\nClub Membership is for the golf course and is required to live in this community. Dues are handled through the HOA fee. Membership requires the one time payment of $10,000 that is handled outside of this transaction.\n\nSubjectPropertyAmenities\n\nThe subject amenities are typical for a home of this quality and from this market. If necessary, any differences have been addressed in the sales comparison grid.\n\nSketch\n\nAs represented in the area breakdown section, there is 1552 sq ft in the below grade area (walkout basement), of which 320 sq ft is a utility room that is not considered finished area even though the sketch might suggest that. The area breakdown section is correct and accurate. The sketch also represents 360 sq ft of a family room/bonus room above the garage that is noncontinuous with the rest of the home but has its own entrance and is finished and usable.\n\nComparableRental\n\nComparables 1 and 2 are from the subject's community, have the same influences and amenities, and are therefore given the most weight.\n\nSalesContract\n\nA review of a fully executed sales contract was completed by this appraiser. There was no indication of atypical terms or agreements. No noted concessions, gifts, or other types of assistance were indicated in the purchase contract.\n\nSubjectListing\n\nThere were no known or noted issues with the subject's listing. Twenty six days on market appears to be in the typical acceptable range for the subject's market area.\n\nHighestAndBestUse\n\nThe subject is a legally permissible use based on its current zoning. Also, the lot size, shape, and land-to-building ratio allow the present structure and indicate a good utilization of the improvements.\n"} diff --git a/chunks/json/9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77.json b/chunks/json/9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77.json new file mode 100644 index 0000000000000000000000000000000000000000..22cbe20a6f9cc150e41020230dc69ad84afc60cc --- /dev/null +++ b/chunks/json/9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":278754,"char_start":277149,"chunk_id":"chk_65b134c7409ca8c4","chunk_index":159,"chunk_sha256":"9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 126 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n4. LOAN PURPOSE\n\nThe UCD v2.0 recognizes two valid loan purposes:\n\na. Purchase: The borrower intends to use the proceeds of the mortgage loan to buy the subject property.\n\nb. Refinance: The borrower pays off an existing obligation already secured by the borrower’s dwelling and secures a\nnew loan to change the rate, term, or other loan features. The borrower may or may not receive cash from the\ntransaction.\n\nFigure 107. XML File LoanPurposeType and MortgageType Rendered on the CD.\n\n3.0 Loan Information\n\n3.2 Purpose Refinance\n\n3.4 Loan Type  Conventional  FHA  VA _______________\n\n5. MORTGAGE TYPE\n\nUCD v2.0 matches ULDD’s allowable enumerations for MortgageType: “Conventional | FHA | PublicAndIndianHousing |\nUSDARuralDevelopment | VA”. If the loan is guaranteed or insured by USDA’s Department of Rural Development or HUD’s\nIndian Housing, use the applicable MortgageType enumeration to support them:\nDepartment of Public and\n“USDARuralDevelopment | PublicAndIndianHousing”. Even though the CD provides a blank box and space for these mortgage\ntypes, their corresponding enumerations are supported in UCD v2.0, so “Other” should not be used.\n\nTable 66. UCD v2.0 Spec Excerpt - LoanPurposeType and MortgageType Data Requirements.\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/\nLOANS/LOAN/TERMS_OF_LOAN\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n3.003\n\n3.099\n\nLoanPurposeType\n\nRefinance\n\nMortgageType\n\nConventional\n"} diff --git a/chunks/json/963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564.json b/chunks/json/963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564.json new file mode 100644 index 0000000000000000000000000000000000000000..a702b4d1c01dfe4dfc2de51dbe38ce60df652544 --- /dev/null +++ b/chunks/json/963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564.json @@ -0,0 +1 @@ +{"chunk":{"char_end":108697,"char_start":107090,"chunk_id":"chk_bd8e1ba1e6b56775","chunk_index":43,"chunk_sha256":"963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Sale Price\n\n1.7\n\nN/A\n\n…/SUBJECT_PROPER\nTY/SALES_CONTRACT\nS/SALES_CONTRACT/\nSALES_CONTRACT_D\nETAIL\n\nRealPropertyAmount 220000.00\n\nROF as “$220,000”\n\nPersonalPropertyIncl\nudedIndicator\n\ntrue\n\nNot shown -\nIndicates need for\napplicable data\npoint(s)\n\n2. APPRAI SED PROP. VALU E / ESTI MATED PROP. VALUE (NON-SELLER TR ANSACTION)\n\nFor transactions without a property seller, the disclosed data for 3.2 Purpose is either “Refinance” or “Home\nEquity Loan.” The form field name for 1.7 must be labeled as either the Appraised Prop. Value (when the\nvaluation has been determined by a professional source), or Estimated Prop. Value (when the valuation is an\nestimate of supplied by the borrower). The data for these use cases is shown in Table 17 and Table 18.\n\nTable 17. Appraised Prop. Value for Refinance Transaction\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nUID\n0.041\n\nN/A – GSE\n\n…/PROPERTY_VALUA\nTION_DETAIL\n\nAppraisalIdentifier\n\n77777777\n\n▪ Not shown—\n\ncross-UMDP loan\nidentification.\n▪ Enter the Doc File\nID assigned by the\nUniform\nCollateral Portal.\n\nAppendix E: UCD Implementation Guide\n\nPage 37 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n1.0 Closing Information\n\nTable 17. Appraised Prop. Value for Refinance Transaction\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nUID\n0.043\n\nN/A - GSE\n\n@IdentifierOwnerURI https://www.unifor\n\nmdataportal.com/VA\nMAuthUtility/login.as\npx\n\nNot shown - the\nsource of the\nidentifier\n\n1.7\n\nAppraised Prop.\nValue\n\nPropertyValuationA\nmount\n\n240000.00\n"} diff --git a/chunks/json/96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b.json b/chunks/json/96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b.json new file mode 100644 index 0000000000000000000000000000000000000000..a79832ba056d9430f6f1bc0672d243b63d091b4b --- /dev/null +++ b/chunks/json/96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":148151,"char_start":146535,"chunk_id":"chk_5bc93ac962d5e724","chunk_index":80,"chunk_sha256":"96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\nfalse<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n-10000.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n-10000.00<\n\n/IntegratedDisclosureCashToCloseItemFinalAmount>\n\nDeposit\n\n\n \n\nfalse<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n0.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n0.00\nFundsForBorrower\n\n\n \n\ntrue<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\nSee Seller Credits in Section L<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n0.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n-2500.00\nSellerCredits\n"} diff --git a/chunks/json/965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b.json b/chunks/json/965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b.json new file mode 100644 index 0000000000000000000000000000000000000000..6dc241a694d62ce3be6c593f7d08be7cffbb631c --- /dev/null +++ b/chunks/json/965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":450643,"char_start":449051,"chunk_id":"chk_1d5467ac61da4549","chunk_index":255,"chunk_sha256":"965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Adjustable Interest Rate (AIR) Table\n\n20.0\n\nIndex + Margin\n\nInitial Interest Rate\n\n20.1 LIBOR + 2.5%\n\n20.2 4%\n\nMinimum/Maximum Interest Rate\n\n20.3 2.5% Min/12% Max\n\nChange Frequency\n\nFirst Change\n\n20.4 Beginning of 61st month\n\nSubsequent Change\n\n20.5 Every 36 month after first change\n\nLimits on Interest Rate Changes\n\nFirst Change\n\nSubsequent Change\n\n20.6 2%\n\n20.7 2%\n\nFigure 129. Adjustable Rate Mortgage\n\n1. LOAN TERMS TABLE ARM ENTRI ES\n\nAs shown in the figure below, Row 4.2 of the Loan Terms table provides information about the ARM that is\npresented again in the AIR Table.\n\nLoan Terms\n\n4.2 Interest Rate\n\n4.0 Rate\n\n4.2.1 4%\n\nIncrease?\n\nDescription\n\n4.2.2 YES\n\n4.2.3\n11) Adjusts every 3 ye ars starting in year 6\n12) Can go as high as 12% in year 15\n13) See AIR Table on page 4 for details\n\nAppendix E: UCD Implementation Guide\n\nPage 209 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nFigure 130. Row 4.2 for an ARM\n\n2. LOAN TERMS AND AI R TABLES FOR AR M LOAN\n\nTable 141 links the information provided in the Loan Terms and AIR Tables. Only those Form Field IDs that share\nvalues across both tables are included.\n\nTable 141. Loan Terms and AIR Tables for ARM\n\nLoan Terms Table-Interest Rate (4.2)\n\nAIR Table (20.0)\n\nID (bullet)\n4.2.2\n\nForm Field Name\n\nInterest Rate - Can this amount increase after\nclosing? YES\n\nID\nForm Field Name\n20.0 Adjustable Interest Rate (AIR) Table\n\n(If 4.2.2 = YES must be included)\n\nN/A\nInterest Rate 4%\n\n4.2.1\n\n4.2.3 (2) Can go as high as 12% in year #\n\nN/A\n\n4.2.3 (1) Adjusts every # years starting in year 6\n"} diff --git a/chunks/json/965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3.json b/chunks/json/965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3.json new file mode 100644 index 0000000000000000000000000000000000000000..dc4b056cd980182767a956a5cf8ea4622fe40bd2 --- /dev/null +++ b/chunks/json/965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3208,"char_start":1601,"chunk_id":"chk_a8cbecb7e89828c0","chunk_index":1,"chunk_sha256":"965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"FullyUpdated\n\nBath 2\n\n\\\\Images\\Condo1_BathFull2.jpg\n\nimage/jpeg\n\nLevelOne\n\nBathroom rarely used, shows nicely.\n\nNewOrLikeNew\n\nTile shower and custom vanity.\n\nFullBathroom\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\Condo1_Kitchen.jpg\n\nimage/jpeg\n\nLevelOne\n\nAdd comment if needed.\n\nNewOrLikeNew\n\nGE Monogram appliances and hardwood painted cabinets.\n\nQuality components\n\nKitchen\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\Condo1_LivingRoom.jpg\n\nimage/jpeg\n\nLevelOne\n\nLivingRoom\n\nMidrise\n\nEightToNineFeet\n\n1\n\n8\n\nThe structure's overall condition is adequately maintained, with several areas that have been updated. There were no noticeable areas of defects within the structure that required repairs at the time of inspection.\n\nCentralized\n\nNaturalGas\n\nForcedWarmAir\n\ntrue\n\n5\n\nPropertyPhoto\n\n2019-09-05T22:30:34Z\n\n\\\\Images\\Condo1_SubjectFront.png\n\n25.165173\n\n-51.328125\n\nimage/png\n\nFloorPlan\n\n\\\\Images\\Condo1_Floorplan.jpg\n\nimage/jpeg\n\nSalesComparableMap\n\n\\\\Images\\Condo1_SalesCompMap.png\n\nimage/png\n\nDwellingFront\n\n2019-09-05T22:30:34Z\n\n\\\\Images\\Condo1_SubjectFront.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\Condo1_PropertyAccess.jpg\n\nimage/jpeg\n\nMedianDaysOnMarketGraph\n\n\\\\Images\\Condo1_MedianDaysOnMarket.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\Condo1_PriceTrends.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\Condo1_SubjectRear.png\n\nimage/png\n\nIndoor Pool\n\nProjectAmenity\n\n\\\\Images\\Condo1_Pool.jpg\n\nimage/jpeg\n\nSpa\n\nProjectAmenity\n\n\\\\Images\\Condo1_Spa.jpg\n\nimage/jpeg\n\nProjectDeficiency\n\n\\\\Images\\Condo1_ProjectDeficiency.jpg\n\nimage/jpeg\n\nPropertyBoundaries\n\n\\\\Images\\Condo1_PropBoundaries.png\n\nimage/png\n\nNoInspection\n"} diff --git a/chunks/json/968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3.json b/chunks/json/968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3.json new file mode 100644 index 0000000000000000000000000000000000000000..3a2df31f87a9d3fb81c9f80ac5513f9e0723b168 --- /dev/null +++ b/chunks/json/968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25172,"char_start":22671,"chunk_id":"chk_20dfd1be17057d0f","chunk_index":6,"chunk_sha256":"968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_35d508805bb0fc2c","text_sha256":"968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3","token_estimate":624,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/DU_Validation_Service_Verification_Report_Vendors__67newj.md"]},"text":"### **Authorized verification report distributors**\n\nThese companies have not entered into an agreement with Fannie Mae but have an agreement with one or more of the eligible report suppliers listed above. The report provider (not the distributor) sends the report data electronically to the DU validation service.\n\n###\n\nIncome and Employment Verification Reports\n\nACRAnet, Inc. Clear Choice Credit Corp. First American Mortgage Solutions Sarma Advanced Data Consolidated Information Services, Inc. Informative Research Service First Information Solutions Advantage Credit Bureau CoreLogic Information Searching Company SettlementOne Data, LLC Advantage Credit, Inc. Credit Data Solutions DBA Service 1st Information Services KCB Credit, LLC Strategic Information Resources Advantage Plus Credit Reporting, Inc. Credit Information Systems Lenders One Sharper Lending Alliance 2020 Credit Plus Lenderworks Truework American Reporting Company Credit Technologies, Inc. Merchants Credit Bureau, Inc. UnitedOne Avantus Corp. Credit Technology, Inc. (CTI) Meridian Link Universal Credit Services Birchwood Credit Services DataVerify MFI Credit Solutions Veri-Tax CBCInnovis EmpInfo NCS (National Credit-reporting System, Inc.) Xactus Certified Credit Reporting, Inc. Equifax One Source CIC Mortgage Credit, Inc. Experian Partners Credit & Verification Solutions CISCO Credit Factual Data Premium Credit Bureau\n\nAsset Verification Reports\n\n4506-Transcripts.com Credit Plus Mortgage Service Providers Accudata Credit Systems Credit Technologies, Inc. Network Credit Services Accurate Financial Data Facts, Inc. New Vista Solutions ACRAnet, Inc. Equifax Online Information Services Advanced Data Experian Partners Credit & Verification Solutions Advantage Credit, Inc. Expert Global Solutions, Inc. PointServ Advantage Plus Credit Reporting, Inc. First American Mortgage Solutions Precision Data Research Alliance 2020 Gooi Mortgage, Inc. Sarma American Reporting Company Informative Research SettlementOne Data, LLC Avantus Corp. LenderPrice SharperLending LLC BankVOD Lenderworks Strategic Information Resources BeSmartee LendSmart Sunrise Credit Services Birchwood Credit Services Merchants Credit Bureau, Inc. UnitedOne Certified Credit Reporting, Inc. MeridianLink, Inc. Universal Credit Services CIC Mortgage Credit, Inc. MFI Credit Solutions Veri-Tax CIS CISCO Credit Midwest Mortgage Credit Services Wolters Kluwer CoreLogic Mortgage Document Solutions Credit Information Systems Mortgage Hippo\n"} diff --git a/chunks/json/9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf.json b/chunks/json/9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf.json new file mode 100644 index 0000000000000000000000000000000000000000..bcccdc7ac6c4e47016551ee157cd320c88128d46 --- /dev/null +++ b/chunks/json/9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12532,"char_start":10924,"chunk_id":"chk_e175e3b5349bcdbb","chunk_index":10,"chunk_sha256":"9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"1. For Enterprise UAD, property appraisals conducted between January 1, 2013, and December 31,\n2022 are included; appraisals conducted after December 31, 2022 are excluded for this release,\nbut FHFA intends to add them to the UAD Appraisal-Level PUF in the future. For FHA UAD,\nappraisals conducted between January 1, 2017 and December 31, 2022 are included for this\nrelease; appraisals conducted after December 31, 2022 are excluded.5\n\n2. Appraisals for single-family properties appraised using Fannie Mae Form 1004 or Freddie Mac\n\nForm 70 are included. Appraisals for condominiums, manufactured homes, and small\nmultifamily rental properties as well as other appraisals are excluded.\n\n3. For Enterprise UAD, appraisals for mortgage loans acquired by the Enterprises are included.\n\nAppraisals for loans not acquired by the Enterprises—such as denied loans and loans funded by\nother institutions—are excluded. For FHA UAD, appraisals for loans that are insured by FHA\nare included. Appraisals submitted to FHA but not insured by FHA are excluded.\n\n4. Appraisal records with the purchase or refinance transaction type that is inconsistent with the\n\nmortgage purpose code of FHFA’s Enterprise mortgage acquisition data are excluded. Appraisal\nrecords with the purchase or refinance transaction type that is inconsistent with the loan purpose\ncode in FHA’s loan-level mortgage data are excluded.\n\n5. For appraisals with purchase transaction type, only appraisals for arm’s length transactions are\n\nincluded. Appraisals for real estate owned (REO), short sale, and foreclosure purchase\ntransactions are excluded.\n"} diff --git a/chunks/json/969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07.json b/chunks/json/969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07.json new file mode 100644 index 0000000000000000000000000000000000000000..a32e035c3093288beae089a7241c2cf61a6f6f99 --- /dev/null +++ b/chunks/json/969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26490,"char_start":24858,"chunk_id":"chk_59051e1d66c66986","chunk_index":13,"chunk_sha256":"969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Ineligible Properties\n\nFannie Mae does not purchase or securitize mortgages on\n\nvacant land or land development properties;\n\n•\n• properties that are not readily accessible by roads that meet local standards;\n•\n• units in condo or co-op hotels (see Selling Guide B4-2.1-03, Ineligible Projects, for additional information);\n• properties that are not secured by real estate such as, houseboats, boat slips, timeshares, and other forms of property\n\nagricultural properties, such as farms or ranches;\n\nthat are not real estate (see Selling Guide B4-2.1-03, Ineligible Projects, for additional information);\n\n• boarding houses;\n• bed and breakfast properties; or\n• properties that are not suitable for year-round occupancy regardless of location.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 10 of 166\n\nUAD 3.6 Policy\n\nNote: Group homes are not considered to be boarding houses. They are an eligible property type, including when leased to a\nbusiness entity for use as a group home.\n\nLoan-Level Price Adjustments\n\nA Loan-Level Price Adjustment (LLPA) applies to certain property types, including multiple-unit properties and units in an\nattached condo project. These LLPAs are in addition to any other price adjustments that are otherwise applicable to the\nparticular transaction. For the current LLPAs, see the Loan-Level Price Adjustment (LLPA) Matrix.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 11 of 166\n\nUAD 3.6 Policy\n\nSB2-3-02, Special Property Eligibility and Underwriting Considerations:\nFactory-Built Housing (12/10/2025)\n\nIntroduction\n\nThis topic contains information on factory-built housing, including:\n"} diff --git a/chunks/json/969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8.json b/chunks/json/969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8.json new file mode 100644 index 0000000000000000000000000000000000000000..eab2ab39777f66f97b0b88404ac6370d0d61114c --- /dev/null +++ b/chunks/json/969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":595909,"char_start":594186,"chunk_id":"chk_9965da5edc89d298","chunk_index":354,"chunk_sha256":"969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8","token_estimate":431,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 260 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: ADU Interior Quality and Condition\n\nAlways required\n\nC1 to C6\n\nUnit Interior\n•\n\nInterior Condition\nRating 10.035\n\nNo\n\nThe Interior Condition Rating for the ADU provides support for the\nOverall Condition Rating. Adjustments are made in the Overall Condition\nRating row.\n\nReport\nField ID\n\n22.10.09\n22.10.23\n\nReport Label\n\nCondition\n\nWhen Unit is\nan ADU is Yes\nfor the subject\nor any\ncomparable\n\n22.10.10\n22.10.24\n\nKitchen\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.10.11\n22.10.25\n\nOverall\nBathrooms\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.10.12\n22.10.26\n\nOverall\nFlooring\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n22.10.13\n22.10.27\n\nWalls and\nCeiling\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nUnit Interior\n•\n\nRoom Update\nStatus 10.038 (for\nkitchen)\n\nUnit Interior\n•\n\nOverall Update\nStatus for\nBathrooms 10.043\n\nUnit Interior\n•\n\nOverall Update\nStatus for Flooring\n10.049\n\nWalls and Ceiling\nCondition Summary\ndoes not populate from\nUnit Interior; the\nappraiser must enter\ninformation for the\nsubject property\n"} diff --git a/chunks/json/96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7.json b/chunks/json/96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7.json new file mode 100644 index 0000000000000000000000000000000000000000..8eb60d5341bd3e49f8d4bf28b1ddbc87504637f0 --- /dev/null +++ b/chunks/json/96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9931,"char_start":8318,"chunk_id":"chk_68663ca8fa03bb61","chunk_index":5,"chunk_sha256":"96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\n\nCOMPARABLE SALE # 1\n\nCOMPARABLE SALE # 2\n\nSUBJECT\n\nITEM\n\ndid\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales.\n\nFreddie Mac Form 465H April 2022\n\nPage 2 of 6\n\nFannie Mae Form1073 Hybrid April 2022\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nFile #\n\n.\nThere are comparable properties currently offered for sale in the subject neighborhood ranging in price from $ to $\nThere are comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ to $ .\n\nFEATURE\n\nSUBJECT\n\nCOMPARABLE SALE # 1\n\nCOMPARABLE SALE # 2\n\nCOMPARABLE SALE # 3\n\nsq. ft. $\n\nsq. ft.\n\n$\n\nsq. ft.\n\n$\n\n$\n\n$\n\n$\nsq. ft.\n\nDESCRIPTION\n\nDESCRIPTION\n\n+(-) $ Adjustment DESCRIPTION\n\n+(-) $ Adjustment DESCRIPTION\n\n+(-) $ Adjustment\n\nAddress and\nUnit #\nProject Name and\nPhase\nProximity to Subject\n$\nSale Price\nSale Price/Gross Liv. Area $\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nHOA Mo. Assessment\nCommon Elements\nand Rec. Facilities\nFloor Location\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n"} diff --git a/chunks/json/96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868.json b/chunks/json/96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868.json new file mode 100644 index 0000000000000000000000000000000000000000..4297c7c6f754af564acbd66fec35ae52b5fc4323 --- /dev/null +++ b/chunks/json/96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38634,"char_start":37031,"chunk_id":"chk_2778f7c8dea2bf46","chunk_index":25,"chunk_sha256":"96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Sequence Number\n\n1\n\narcrole=\"urn:fdc:mism\no.org:2009:residential\nfrom\nto\n\nASSET_IsAssociatedW\nith_RO LE\nASSET_1\nBORROWER_1\n\nTable 10. Relationships Container – Component Details\n\nThe figure below (Figure 10) shows a basic example of how the xlink arcrole relationship linking an asset to\na borrower would look in the RELATIONSHIPS container.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “ASSET_1”\n xlink:to = “BORROWER_1”\n xlink:arcrole = “ASSET_IsAssociatedWith_ROLE”\n\nFigure 10. Using Endpoints and an Arcrole To Define a Relationship\n\nRELAT IONSHIP BET WEEN A LIABILIT Y AND T HE ASSOCIAT ED BORROWER\n\nThe following example provides details about the xlink arcrole relationship needed to define a data\nrelationship between a liability and the borrower associated with that liability.\n\nThe figure below (Figure 11) shows an example of a liability that will be linked to the associated borrower\nthat is responsible for that liability. Note some liabilities will have multiple borrowers with relationships to\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 23 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nthem indicating more than one borrower is responsible for that liability.\n\nLIABILITY And ROLE Containers Identifying Endpoints\nOf Relationships\n\nLIABILITIES\n LIABILITY\n\nSequence Number = “1”\n\nxlink:label = “LIABILITY_1”\n LIABILITY_DETAIL\n LiabilityAccountIdentifier = 123456789\n LiabilityMonthlyPaymentAmount = 200\n LiabilityType = LeasePayment\n"} diff --git a/chunks/json/96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837.json b/chunks/json/96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837.json new file mode 100644 index 0000000000000000000000000000000000000000..2012dc8a17acf615a79b57c3887b1064b3f0e216 --- /dev/null +++ b/chunks/json/96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1892,"char_start":0,"chunk_id":"chk_c95a01dad4903fde","chunk_index":0,"chunk_sha256":"96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5c230171c77d6892","text_sha256":"96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837","token_estimate":473,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Use_Database___FHFA.md"]},"text":"---\ntitle: \"Public Use Database | FHFA\"\nsource_url: \"https://www.fhfa.gov/data/pudb\"\ndate_accessed: \"2026-01-27T18:10:30.239Z\"\nselector: \"#main-content\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Public_Use_Database___FHFA\"\n---\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Public Use Database\n\n## Datasets\n\n## Public Use Database – Fannie Mae and Freddie Mac (Enterprises)\n\n### Introduction\n\nThe Enterprise Public Use Database (PUDB) is released annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ single-family and multifamily mortgage acquisitions. The datasets supply mortgage lenders, planners, researchers, policymakers, and housing advocates with information concerning the flow of mortgage credit in America’s neighborhoods.\n\n### Description\n\n**Single-Family**: The Enterprise PUDB single-family datasets include loan-level records that include data elements on the income, race, and sex of each borrower as well as the census tract location of the property, loan-to-value (LTV) ratio, age of mortgage note, and affordability of the mortgage.\n\nBeginning with data for mortgages acquired in 2018, FHFA ordered that the Enterprise PUDB be expanded to include additional data that is the same as the data definitions used by the regulations implementing the Home Mortgage Disclosure Act, as required by 12 U.S.C. 4543(a)(2) and 4546(d)(1). New since the 2018 PUDB are the inclusion of the borrower’s debt-to-income (DTI) ratio and detailed LTV ratio data at the census tract level.\n\n**Multifamily**: The Enterprise PUDB multifamily property-level datasets include information on the unpaid principal balance and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class files also include information on the number and affordability of the units in the property.\n"} diff --git a/chunks/json/96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce.json b/chunks/json/96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce.json new file mode 100644 index 0000000000000000000000000000000000000000..905b96ffc2c9f0a59a32ed4369bf7b38596f627b --- /dev/null +++ b/chunks/json/96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49132,"char_start":47470,"chunk_id":"chk_9a1a311a2ee88bf2","chunk_index":29,"chunk_sha256":"96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Valuation Reconciliation Summary Comment**\n\n.VALUATION\n.._RECONCILIATION\n…_CONDITION_OF_APPRAISAL\nValuation Reconciliation Condition Of Appraisal Type**\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\n* - Refer to a specific usage in the appropriate Appendix B document to determine the requiredness.\n\n** - Full MISMO data point name provided. Refer to the appropriate Appendix B document or the schema file for the actual schema name.\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 26 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\nN/A - Data point not used on the indicated Appraisal form.\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 27 of 211\n\nDocument Version 1.4\n\n1004 Hybrid/70H & 1004 Desktop/70D\n\nAppraisal Assignment Type\n\nSubject Property Data\nCollection Method\n\nSubject Property Data\nCollection Workforce\n\nSubject Property\nData Collection\nDate\n\nConcatenated Values\n\nUse the type to drive the\napplicable version of scope\nof work/certs\n\nHow did the appraiser\nobtain information\nabout the subject\nproperty?\n"} diff --git a/chunks/json/96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3.json b/chunks/json/96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3.json new file mode 100644 index 0000000000000000000000000000000000000000..053aedaf47a2aa581239c2262ee004b070a84a7b --- /dev/null +++ b/chunks/json/96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1680,"char_start":0,"chunk_id":"chk_28f458e8dedbd106","chunk_index":0,"chunk_sha256":"96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3","date_utc":"2026-01-27T18:30:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e9417770194f6560","text_sha256":"96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3","token_estimate":420,"warnings":["source_path=Appendix-D-2-Restricted Appraisal Update Report Sample Scenario and XML File (1)/Appendix D-2 AU1_AppraisalReport/_.pdf/AU1_AppraisalUpdate_v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nAppendix D‐2: Appraisal Update Scenario (AU1)\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion #  Revision Description\n\n09/17/2024\n\n12/12/2023\n\n1.2\n\n1.1\n\nSee Appendix D‐2: Restricted Appraisal Update Report ‐ Sample Scenario\nMatrix for complete list of updates.\nSee Appendix D‐2: Restricted Appraisal Update Report ‐ Sample Scenario\nMatrix for complete list of updates.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nAn appraisal update is a new assignment that requires the appraiser to review the market conditions\nand certify that values have not decreased since the effective date of the original appraisal, which is\nincorporated by reference.\n\nKey Characteristics\n\n Appraisal Update performed by another appraiser, not the original appraiser.\n Appraisal Update performed via exterior inspection.\n Appraisal Update performed 6 months after original appraisal with no decrease in value.\n This is a Restricted Appraisal Update report; hence all supporting data and necessary documentation\n\nis contained in the appraiser’s work file.\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the appraisal update report.\n\nThe Appraisal Update sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\n"} diff --git a/chunks/json/96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc.json b/chunks/json/96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc.json new file mode 100644 index 0000000000000000000000000000000000000000..0bfb49531dc6db3d7695ad5bf2b1ef48d0f98775 --- /dev/null +++ b/chunks/json/96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":212083,"char_start":210413,"chunk_id":"chk_6d2c3a3b7fbd0fa8","chunk_index":124,"chunk_sha256":"96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc","token_estimate":418,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A map of the subject and land comparables should be included, which displays\nin Site Exhibits with the caption “Map of Land Comparables”. An additional\ncaption may be provided to further identify the image.\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nSite Commentary\n\nSite Commentary\n\nReport\nField ID\n\n4.116\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSite\nCommentary\n\nIf applicable\n\nFree-form\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Site section that is not\ncaptured in the discrete data, or additional details to support the discrete data\nthat is provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 83 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nSite Exhibits\n\n04 Site\n\nAll photos or images related to the Site section are displayed in the Site Exhibits subsection. If there are no\nphotos or images, this subsection does not display.\n\nSite Exhibits\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSite Exhibits\n\nIf applicable\n\nImage\n\nSite Exhibits\n\nIf applicable\n\nPhotos or images\n\nReport\nField ID\n\nSee\niGuide\n\nSee\niGuide\n\nDefinition / Additional Guidance\n\nAn image of the property (site) boundaries, such as a Plat Map, may be\nprovided which displays in Site Exhibits with the caption “Property\nBoundaries”. An additional caption to further identify the image may be\nprovided.\n\nPhotos or images relevant to the Site section may be provided, which display in\nSite Exhibits. If the photo or image is not specifically indicated above, provide a\ncaption to further identify the photo or image.\n"} diff --git a/chunks/json/96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51.json b/chunks/json/96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51.json new file mode 100644 index 0000000000000000000000000000000000000000..85c9b6684a6afd1047149b0019e909d191a5c050 --- /dev/null +++ b/chunks/json/96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51.json @@ -0,0 +1 @@ +{"chunk":{"char_end":330851,"char_start":329239,"chunk_id":"chk_0756c850b82efcbf","chunk_index":180,"chunk_sha256":"96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of CASH_TO_CLOSE_ITEM\n\n10.1.3 Did this change?\n\n…/CASH_TO_CLOSE_I\nTEM\n\n10.1.4 If yes…\n\n10.1.1 Loan Estimate\n\n10.1.2 Final\n\n10.1 Total Closing Costs (J)\n\nRepresented as “YES”\non form\n\ntrue\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicato\nr\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nSee Total Loan Costs\n(D) and Total Other\nCosts (I)\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n8054.00\n\nROF as “$8,054.00”\n\n9712.10\n\nROF as “$9,712.10”\n\nTotalClosingCosts\n\nROF as “Total Closing\nCosts (J)”\n\nSecond Instance of CASH_TO_CLOSE_ITEM\n\n10.2.3 Did this change?\n\n…/CASH_TO_CLOSE_I\nTEM\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicato\nr\n\ntrue\n\nROF as “YES”\n\n10.2.4 If yes…\n\n10.2.1 Loan Estimate\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nYou paid these\nClosing Costs before\nclosing\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\n0.00\n\nROF as “0”\n\nAppendix E: UCD Implementation Guide\n\nPage 151 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.0 Calculating Cash to Close\n\nTable 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n10.2.2 Final\n\n10.2 Closing Costs Paid\n\nBefore Closing\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n29.80\n\nROF as “-$29.80”\n"} diff --git a/chunks/json/96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c.json b/chunks/json/96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c.json new file mode 100644 index 0000000000000000000000000000000000000000..ea954fb986fcd00d001291cf331f4139b1092ae7 --- /dev/null +++ b/chunks/json/96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10972,"char_start":10355,"chunk_id":"chk_67f20e77230b3add","chunk_index":14,"chunk_sha256":"96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c","token_estimate":503,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"SIG-B – Signature below Rule ............................................................................................................................. 25\n\nY/N – Yes/No (sets above checkbox [CK] elements) ........................................................................................... 25\n\nCK – Checkbox (full page width) ......................................................................................................................... 25\n\nCK1 – Checkbox (one column) ............................................................................................................................ 25\n"} diff --git a/chunks/json/96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe.json b/chunks/json/96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe.json new file mode 100644 index 0000000000000000000000000000000000000000..60503ec231ee8895e101898dbab2921582014828 --- /dev/null +++ b/chunks/json/96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":865400,"char_start":863743,"chunk_id":"chk_eeea046e2816cadb","chunk_index":514,"chunk_sha256":"96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableSalesResearchedCount\n\nComparable Sales Price Range Low\n\nComparable Sales Price Range High\n\nComparable Sales\nPrice Range Low\nAmount\nComparable Sales\nPrice Range High\nAmount\n\nSpecifies the low sale value in the range\nof values within the group of comparable\nsales researched.\nSpecifies the high sale value in the range\nof values within the group of comparable\nsales researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableSalesPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableSalesPriceRangeHighAmount\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress and\n(Line 1)\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n\n15\n\n15\n\n5\n\n15\n\n15\n\n42\n\nFormat\n\nMoney\n\nMoney\n\nNumeric\n\nMoney\n\nMoney\n\nString\n\n329\n\n3\n\n12a\n\nSALES\nCOMPARISON\nAPPROACH\n\nUnit #\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier\n\n30\n\nString\n\n330\n\n3\n\n12b\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_City\n\n331\n\n3\n\n12c\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_State\n\n332\n\n333\n\n334\n\n335\n\n336\n\n3\n\n3\n\n3\n\n3\n\n3\n\n12d\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n"} diff --git a/chunks/json/96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b.json b/chunks/json/96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b.json new file mode 100644 index 0000000000000000000000000000000000000000..176b6b5f8b613f886ac7c15dcce99fd313af966b --- /dev/null +++ b/chunks/json/96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":482728,"char_start":481100,"chunk_id":"chk_d4c8459a6d5ccc6c","chunk_index":278,"chunk_sha256":"96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"DOE\n\nRating\nHERS\n\nHome Energy Score\n\nFinancing Arrangement\n\nScore\n65\n\n7\n\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 5 of 23\n\nEnergy Efficient and Green Features (continued)\n\nCheck #A\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nNeutral\n\nDescription The solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is\nsold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference\nof any purchaser of the property.\n\nEnergy Efficient and Green Features Commentary\n\nThe Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion\nof market value for the subject. The subject and comparable sales #1 - #3 have all undergone recent updates and remodels using more recent\nenergy efficient components and methods than when they were originally constructed. Analysis of the data available indicates there is no\nmeasurable impact on market value.\n\nEnergy 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 AD43201Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n"} diff --git a/chunks/json/96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16.json b/chunks/json/96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16.json new file mode 100644 index 0000000000000000000000000000000000000000..78d0f6ab8deeb5296992dadf85d31f50a99f6e11 --- /dev/null +++ b/chunks/json/96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10686,"char_start":9081,"chunk_id":"chk_c56ef9db23aca983","chunk_index":5,"chunk_sha256":"96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_83d11c82006246bb","text_sha256":"96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Private_Mortgage_Insurer__kiu0b.md"]},"text":"A direct result of the financial crisis was a steep rise in defaults and foreclosures of single-family mortgages, including those owned or guaranteed by the Enterprises. Mortgage insurers (MIs) and the Enterprises suffered significant losses as a result of these defaults and foreclosures. Because many MIs did not have sufficient capital to withstand the sharp downturn, Fannie Mae and Freddie Mac suffered losses when some MIs failed to fully pay their mortgage insurance claims.\n\nHistorically, each Enterprise had its own set of eligibility requirements for MIs to obtain and maintain the status of \"Approved Insurer\" eligible to do business with that Enterprise. FHFA, in its role as Conservator of the Enterprises, directed Fannie Mae and Freddie Mac to revise and align their mortgage insurer eligibility requirements to ensure that approved MIs possess the financial and operational capacity to withstand a financial crisis or severe downturn going forward. This is a key Scorecard item for 2015.\n\nOn July 10, 2014 the Federal Housing Finance Agency sought public on draft eligibility requirements for private mortgage insurers that provide mortgage insurance on loans acquired by Fannie Mae or Freddie Mac. The public input period lasted 60 days, and closed on September 8. To view documents related to the draft PMIERs and input received, click here​.\n\nOn April 17, 2015, Fannie Mae and Freddie Mac published revised PMIERs on their websites.\n\nOn June 30, 2015, Fannie Mae and Freddie Mac further revised the PMIERS to include financial requirements for loans with lender-paid mortgage insurance.\n"} diff --git a/chunks/json/9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14.json b/chunks/json/9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14.json new file mode 100644 index 0000000000000000000000000000000000000000..42bdbc483f30b710104a8dfa0a0f3dc5b33972d2 --- /dev/null +++ b/chunks/json/9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3029,"char_start":2091,"chunk_id":"chk_3d90a76467c86149","chunk_index":2,"chunk_sha256":"9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14","token_estimate":619,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Report PDF _________________________________________________________________________________________________________________ 6\n\nRestricted Appraisal Update Report Section Organization ................................................................................................................................................... 6\n\nHeader and Footer ___________________________________________________________________________________________________________ 7\n\nOverview ................................................................................................................................................................................................................................ 7\n\nHeader .................................................................................................................................................................................................................................... 7\n"} diff --git a/chunks/json/97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83.json b/chunks/json/97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83.json new file mode 100644 index 0000000000000000000000000000000000000000..fc0c88f63967999fd0d5a461ec58e4ba93907ff7 --- /dev/null +++ b/chunks/json/97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83.json @@ -0,0 +1 @@ +{"chunk":{"char_end":424028,"char_start":422336,"chunk_id":"chk_e133fded9bd7d57f","chunk_index":248,"chunk_sha256":"97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\n1\n\nBoolean\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no electric service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no electric service is present, enter 'None' in the description field.\n\n103\n\nPROJECT SITE\n\n104\n\nPROJECT SITE\n\nUtilities\nElectricity\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr\nicity']/@_NonPublicDescription\n\n25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of electric service if present and not public. If no\nelectric service is present, enter 'None' in the description field.\n\n96\n\n97\n\n98\n\n101\n\n102\n\n103\n\n104\n\n105\n\n106\n\n107\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n109\n\n110\n\n1\n\n1\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 88 of 211\n\nDocument Version 1.4\n\nOne and only one of fields 1-92, 1-93,\n1-96, 1-97 (values of Site Zoning\nCompliance Type) should be indicated.\nOne and only one of fields 1-92, 1-93,\n1-96, 1-97 (values of Site Zoning\nCompliance Type) should be indicated.\n\nIf field 1-93 (Site Zoning Compliance\nType = 'Nonconforming') is indicated,\nthen one and only one of fields 1-94\nand 1-95 (values of Site Zoning Permit\nRebuild To Current Density Indicator)\nshould be indicated.\n.\n"} diff --git a/chunks/json/97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69.json b/chunks/json/97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69.json new file mode 100644 index 0000000000000000000000000000000000000000..14dc37833470df6cdc02ed926d0b801a0fc9f170 --- /dev/null +++ b/chunks/json/97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58468,"char_start":56733,"chunk_id":"chk_2aa55aee8890a7ff","chunk_index":34,"chunk_sha256":"97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\n\nPage 31 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nCondition Rating – Appraiser must select one\nvalue from the specified list.\n\nIndicator of Work Completed in Prior 15 Years\n– ‘Yes’ or ‘No’ response\n\nLevel of Work Completed for Kitchen(s) and\nBathroom(s) – Appraiser must select one\nvalue from the specified list\n\nTimeframes for Work Completed for the\nKitchen(s) and Bathroom(s) – Appraiser must\nselect one value from the specified list\n\nDescription of Condition of Improvements –\nText\n\nThe PDF creator will populate the selected\ntext from the specified lists for ‘Overall\nCondition Rating’ (Improvement Area), ‘Level\nof Work Completed,’ and ‘Timeframe for Work\nCompleted.’ A semicolon will be used to\nseparate the overall condition rating from the\nkitchen and bathroom improvements.\n\nExamples:\nC4; No updates in the prior 15 years; [enter\ndescription of property condition]\n\nC3; Kitchen- updated less than one year\nago;Bathrooms-remodeled-one to five years\nago; [enter description of property condition]\n\nC2; Kitchen- not updated;Bathrooms-\nremodeled-less than one year ago; [enter\ndescription of property condition]\n\nExterior-Only Inspection Residential\nAppraisal Report Forms:\nThe appraiser must report the overall\ncondition of the property or unit using one of\nthe overall condition ratings.\n\nReporting Format:\nCondition Rating – Appraiser must select one\nvalue from the specified list\nDescription of Condition of Improvements –\nText\n"} diff --git a/chunks/json/971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369.json b/chunks/json/971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369.json new file mode 100644 index 0000000000000000000000000000000000000000..38792d9bf6772f398ec5940aa2138b6b47dcffee --- /dev/null +++ b/chunks/json/971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32329,"char_start":30720,"chunk_id":"chk_e1501a0e1e232ae9","chunk_index":18,"chunk_sha256":"971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"debt-to-income ratio.\n\nThe MISMO enumerated values for the CommunitySecondsRepaymentType do not identify how\nlong a repayment is deferred (i.e., DeferredFullyForgiven, DeferredNotFullyForgiven,\nNonDeferred). The DU Spec has an Implementation Note to clarify the enumerated values for\nCommunitySecondsRepaymentType (UID 13.0022):\n\n31\n\n• “Deferred Fully Forgiven” is for a repayment deferred for 5 or more years and the debt is forgiven.\n• “Deferred Not Fully Forgiven” is for a repayment deferred for 5 or more years and the debt is not forgiven.\n• “Non Deferred” is for a repayment that begins after closing.\n\nFannie Mae has updated the DU User Interface (UI) to add the 5-year repayment for Community\nSeconds Repayment Structures based on the DU Spec CommunitySecondsRepaymentType\ndefinitions for each enumeration. See the example below.\n\nFannie Mae recommends your UI includes the 5-year repayment in your UI selections for Community\nSeconds Repayment Structures to prevent an incorrect repayment type selection.\n\n26. NEW What is the purpose of the Optimized Dataset column and how is it used in a DU\n\nSubmissions?\n\nThe Optimized Dataset column was added to the DU Spec to filter for the minimum data points required to\nsubmit a conventional loan casefile to DU and receive a recommendation. The DU findings are not final as\nadditional data (i.e. declarations, employer information, etc.) may be required to receive a final\nrecommendation from DU.\n\nTo select the minimum data points for a conventional loan submission, filter the text in the Optimized\nDataset column by the “X” as shown in the image below.\n"} diff --git a/chunks/json/972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77.json b/chunks/json/972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77.json new file mode 100644 index 0000000000000000000000000000000000000000..5ba1e5de2ecb6140a44353d9dd59c582845a6cb7 --- /dev/null +++ b/chunks/json/972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":454136,"char_start":452535,"chunk_id":"chk_0948c185c1574f65","chunk_index":266,"chunk_sha256":"972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Format: yyyy\n\nR\n\nR\n\nR\n\n152\n\n153\n\n154\n\n1\n\n1\n\n1\n\n145\n\n146\n\n147\n\nPROJECT\nINFORMATION\n\nEffective Age\n\nGSE Effective Age\nDescription\n\nProvide the effective age of the subject\nproperty, that can be represented as a\nsingle number or range.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_ANAL\nYSIS/STRUCTURE_ANALYSIS_EXTENSION/STRUCTURE_ANALYSIS_E\nXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA/EFF\nECTIVE_AGE/@GSEEffectiveAgeDescription\n\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\n\nProject\nExterior Walls\nProject\nRoof Surface\n\nExterior Feature\nDescription\nExterior Feature\nDescription\n\nA free-form text field used to describe the\nexterior feature.\nA free-form text field used to describe the\nexterior feature.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR\nE[@_Type='Walls']/@_Description\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR\nE[@_Type='RoofSurface']/@_Description\n\n25\n\n20\n\n20\n\nString\n\nString\n\nString\n\nThis is a free text field which should contain a description of the materials of the\nexterior walls.\nThis is a free text field which should contain a description of the materials of the roof\nsurface.\n\n155\n\n1\n\n148\n\nPROJECT\nINFORMATION\n\nProject\nTotal # Parking\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@ParkingSpacesCount\n\n20\n\nNumeric\n\nWhole numbers only.\n\n156\n\n157\n\n158\n\n159\n\n160\n\n161\n\n162\n\n163\n\n164\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n149\n"} diff --git a/chunks/json/9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34.json b/chunks/json/9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34.json new file mode 100644 index 0000000000000000000000000000000000000000..70d58c01c3ff50308771b80cac32b64bf59d13fd --- /dev/null +++ b/chunks/json/9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9079,"char_start":7069,"chunk_id":"chk_2b6f246748e2452a","chunk_index":4,"chunk_sha256":"9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_83d11c82006246bb","text_sha256":"9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34","token_estimate":500,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Private_Mortgage_Insurer__kiu0b.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## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS)\n\nPolicy\n\n# Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS)\n\n## Background\n\nWhen Fannie Mae and Freddie Mac (the Enterprises) purchase single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80 percent of the value of the underlying property, their charters require them to obtain an acceptable form of credit enhancement for the mortgage. Mortgage insurance is the most commonly used form of credit enhancement. Primary mortgage insurance covers the first losses on mortgage loans that exceed 80 percent loan-to-value (LTV) and reduces potential losses for Fannie Mae and Freddie Mac in the event of foreclosure.\n"} diff --git a/chunks/json/9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722.json b/chunks/json/9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722.json new file mode 100644 index 0000000000000000000000000000000000000000..43b6edd1780ce47b1ae47b14b6be305c9ada1d8a --- /dev/null +++ b/chunks/json/9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722.json @@ -0,0 +1 @@ +{"chunk":{"char_end":396170,"char_start":394422,"chunk_id":"chk_691de22cbd1dd352","chunk_index":228,"chunk_sha256":"9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722","token_estimate":436,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Median Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n2\n11\n$435,000\n$440,000\n$445,000\n1\n\nSales in Past 24 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n35\n$400,000\n$499,000\n$597,000\nNo\nAbsorption Rate\nMedian Days on Market\nPrice Trend\nYear Built of Sales\nMLS\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nShortage\n\nMarketing Time\n\nUnder 3 months\n\nDespite lack of supply, homes are not going up in value due to seasonality. This is typical for 3rd quarter, evidenced by the fact that there are\nonly 2 active listings, which have less finished area than the subject and not indicative of prices decreasing.\n\nMarket Exhibits\n\nAbsorption Rate\n\nMedian Days on Market\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 12 of 21\nPage 12 of 21\n\nMarket (continued)\n\nPrice Trend\n\nYear Built of Sales\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Information Data Source Real Estate Agent\nMandatory Fees (HOA, PUD, or Co-op)\n$34\n\nMonthly Amount\nCommon Amenities/\nServices Included\nUtilities Included\n\nTrash Removal\nNone\n\nProject Factors and Impact to Value/Marketability\n\nProject Factor\nDeveloper/Sponsor in Control\n\nKnown Legal Actions\n\nUnit Special Assessments\n\nUnit Tax Abatements or Exemptions\n\nDetail\nNo\n\nNone\n\nNone\n\nNone\n\nImpact\n\nComment\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n"} diff --git a/chunks/json/97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c.json b/chunks/json/97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c.json new file mode 100644 index 0000000000000000000000000000000000000000..71becc801de3f0a20c1c82e50229b5d1ccf863ef --- /dev/null +++ b/chunks/json/97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24239,"char_start":22620,"chunk_id":"chk_657a3f2a79f9523c","chunk_index":15,"chunk_sha256":"97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"1. Fee Actual Payment Amount ≠ \"0\"\n\nUCD Supported Tax-related enumerations:\nDocumentaryStampFee | Filing Fee |\nMortgageSurchargeCountyOrParish |\nMortgageSurchargeMunicipal |\nMortgageSurchargeState |\nMunicipalLienCertificateFee | Other |\nPowerOfAttorneyRecordingFee |\nRecordingFeeForAssignment |\nRecordingFeeForMunicipalLienCertificate |\nRecordingFeeForRelease |\nRecordingFeeForSubordination\nTaxStampForCityDeed |\nTaxStampForCityMortgage |\nTaxStampForCountyDeed |\nTaxStampForCountyMortgage |\nTaxStampForStateDeed |\nTaxStampForStateMortgage |\nTransferTaxTotal\n\n3\n\n8.190 Fee Payment Paid\n\nBy Type\n\nTransfer Taxes and\nOther Government\nFees\n\n1. Fee Type exists\n2. Integrated Disclosure Section\nType = \"Taxes And Other\nGovernment Fees\"\n\n1. Fee Type exists\n2. Integrated Disclosure Section Type =\n\n\"Taxes And Other Government Fees\"\n\n3. Fee Actual Payment Amount ≠ \"0\"\n\n3\n\n3\n\n8.170\n8.243\n8.273\n8.301\n\n8.021\n8.239\n8.262\n8.269\n\nFee Paid To Type\n\nPrepaid Item\nPayment Paid By\nType\n\nPrepaids (other than\nprepaid interest)\n\nPrepaid ItemType <> \"Prepaid\n\nInterest\"\n\n3\n\n8.248 Prepaid Item Per\n\nPrepaid Interest\n\nPrepaid ItemType = \"Prepaid\n\nDiem Amount\n\nInterest\"\n\n3\n\n8.250 Prepaid Item Paid\nFrom Date\n\n3\n\n8.251 Prepaid Item Paid\n\nPrepaid Interest\n\nThrough Date\n\n3\n\n8.257 Fee Paid To Type\n\n1. Prepaid Item Type =\n\"Prepaid Interest\"\n\n2. Prepaid Item Per Diem\n\nAmount > “0”\n\n1. Prepaid Item Type exists\n2. Integrated Disclosure Section Type =\n\n\"Prepaids\"\n\n3. Prepaid Item Actual Payment Amount ≠\n\n\"0\"\n\n1. Prepaid Item Type = \"Prepaid Interest\"\n2. Integrated Disclosure Section Type =\n\n\"Prepaids\"\n\n3. Prepaid Item Actual Payment Amount ≠\n"} diff --git a/chunks/json/975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6.json b/chunks/json/975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6.json new file mode 100644 index 0000000000000000000000000000000000000000..7b7693206b824c8742868ae9a274978eb7840941 --- /dev/null +++ b/chunks/json/975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53063,"char_start":50608,"chunk_id":"chk_d1d8bc3cdc7a8870","chunk_index":38,"chunk_sha256":"975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6","token_estimate":614,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"•\n\n“false”\n\no Do not display sub-header\n\nSupervisory Appraiser Certifications\n\nThe Supervisory Appraiser Certifications subsection always displays.\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nSupervisory Appraiser Certifications\n\n05.032\n\nThe Supervisory Appraiser certifies and agrees that:\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nSupervisory Appraiser Certifications\n\n05.033\n\n05.034\n\n05.035\n\n05.036\n\n05.048\n\n05.049\n\n05.050\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n05.051\n\n8\n\nI have no present or prospective interest in the property that is the subject of this report, or relationship\nwith the present or prospective owners or occupants of the subject property, or other parties involved in\nthis transaction.\nI performed this assignment without bias with respect to the parties involved in this transaction, the\nproperty that is the subject of this report, or the demographics of the area where the property is located.\nI am aware of and have complied with all applicable laws and regulations including antidiscrimination\nlaws, rules, and requirements that apply to the appraiser and to the assignment.\nI directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and\nagree with the appraiser’s analyses, opinions, statements, conclusions, and the appraiser’s certification.\nThe assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\nI accept full responsibility for the contents of this appraisal report including, but not limited to, the\nappraiser’s analyses, opinions, statements, conclusions, and the appraiser’s certification.\nThe appraiser identified in this appraisal report is either a subcontractor or an employee of the\nsupervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to\nperform this appraisal under the applicable law.\nIf this report was transmitted as an “electronic record” containing my “electronic signature,” as those\nterms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a\nfacsimile transmission of this report containing a copy or representation of my signature, I agree that my\nelectronic signature has the same force and effect as my manual handwritten signature, and that the\nreport is enforceable and valid as a paper version of this report would be if delivered containing my\nmanual handwritten signature.\n"} diff --git a/chunks/json/97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764.json b/chunks/json/97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764.json new file mode 100644 index 0000000000000000000000000000000000000000..f47e6dacf1c83c034a8f6f07098ded04f3cc8bbc --- /dev/null +++ b/chunks/json/97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764.json @@ -0,0 +1 @@ +{"chunk":{"char_end":360017,"char_start":358370,"chunk_id":"chk_f3de3f8494b061ad","chunk_index":199,"chunk_sha256":"97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 107. Sale Price with No Personal Property\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n11.2 | 11.2.1 Sale Price of Any\nPersonal Property\nIncluded in Sale\n($)\n\n…/SALES_CONTRA\nCT/SALES_CONTR\nACT_DETAIL\n\nPersonalPropertyI\nncludedIndicator\n\nfalse\n\n11.1 | 11.1.1 Sale Price of\nProperty ($)\n\nSalesContractAmo\nunt\n\n240000.00\n\nWhen false,\nPersonalPropertyA\nmount is not\ndelivered\n\nROF as\n“$240,000.00”\n\n2. CONTRACT I TEMI Z ES REAL AND PERSONAL PROPERTY AMOUNTS\n\nWhen the sales contract specifies discrete amounts for real and personal property, then each amount is included\nand presented on the form as illustrated in Figure 92. Personal property is defined by State law, but could\ninclude such items as carpets, drapes, and appliances.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n\n11.0.1\n\n$252,347.30\n\n11.1.1\n0111.1 Sale Price of Property\n0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1\n\n$237,000.00\n$3,000.00\n\nFigure 92. Sale Prices of Real and Personal Property\n\nTable 108 shows that data in SALES CONTRACT DETAIL is used to represent the value of the real property and\npersonal property (if applicable) specified in the sales contract. When personal property is included and itemized\nin the sale price, RealPropertyAmount instead of SalesContractAmount is provided in the XML file to populate\n11.1 Sale Price of Property.\n\nTable 108. Sale Prices of Real and Personal Property\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\n11.2 |\n11.2.1\n\n11.2 |\n11.2.1\n\nSale Price of Any\nPersonal Property\nIncluded in Sale ($)\n"} diff --git a/chunks/json/978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3.json b/chunks/json/978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3.json new file mode 100644 index 0000000000000000000000000000000000000000..95b7346790988054a3fcefca0413e5ca6e98b15e --- /dev/null +++ b/chunks/json/978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24171,"char_start":22556,"chunk_id":"chk_1f8e8f3b92472aaf","chunk_index":6,"chunk_sha256":"978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"**5. What resources are available to help me implement the UCD or update the UCD based on new requirements?**\n\nThe GSEs have published several jointly developed and maintained implementation materials and artifacts on their respective FannieMae.com and FreddieMac.com websites to assist you with your UCD implementation. It is good practice to visit these websites frequently to ensure you are using the most up-to-date specifications and resources.\n\nLoan Delivery\n\n**6. How does the UCD relate to loan delivery requirements?**\n\nThe UCD in the XML file format with the Closing Disclosure PDF (CD PDF) embedded must be successfully submitted prior to loan delivery. Every loan purchased by the GSEs requires a UCD submission.\n\nLoans submitted to a GSE’s Selling/Loan Delivery solutions without a corresponding UCD XML file will receive a critical/fatal edit and will not be eligible for purchase until the properly formed UCD XML file including the embedded CD PDF has been received.\n\n**7. Which version of the UCD Specification should I be using for production deliveries?**\n\nThe GSEs published the UCD v2.0 in September 2024 to provide a glide path for industry to adopt the new format and requirements within their systems and processes. The UCD v2.0 transition period began on September 29, 2025. Each GSE’s UCD collection solution will accept UCD XML files based on EITHER UCD v2.0 OR v1.5 during the transition. The GSEs will continue to accept UCD XML files based on UCD v1.5 until the mandate date. After the mandate, all UCD XML files (even files previously submitted based on UCD v1.5) must use UCD v2.0.\n"} diff --git a/chunks/json/97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9.json b/chunks/json/97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9.json new file mode 100644 index 0000000000000000000000000000000000000000..6491b1d07304f1d484d740e9867c9cee87468c13 --- /dev/null +++ b/chunks/json/97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16865,"char_start":15364,"chunk_id":"chk_dc19b236a3f364a4","chunk_index":9,"chunk_sha256":"97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"To access the historical Enterprise PUDB data, please expand the section below by clicking on the “+” symbol.\n\n#### Historical Enterprise PUDB Data (only in TXT format)\n\nYear Data and Documentation 2024 [[.txt, .pdf]](/document/data/2024_enterprise_pudb.zip) 2023 [[.txt, .pdf]](/document/2023_enterprise_pudb.zip) 2022 [[.txt, .pdf]](/document/2022_enterprise_pudb.zip) 2021 [[.txt, .pdf]](/document/2021_enterprise_pudb.zip) 2020 [[.txt, .pdf]](/document/2020_enterprise_pudb.zip) 2019 [[.txt, .pdf]](/document/2019_enterprise_pudb.zip) 2018 [[.txt, .pdf]](/document/2018_enterprise_pudb.zip) 2017 [[.txt, .pdf]](/document/2017_enterprise_pudb.zip) 2016 [[.txt, .pdf]](/document/2016_enterprise_pudb.zip) 2015 [[.txt, .pdf]](/document/2015_enterprise_pudb.zip) 2014 [[.txt, .pdf]](/document/2014_enterprise_pudb.zip) 2013 [[.txt, .pdf]](/document/2013_enterprise_pudb.zip) 2012 [[.txt, .pdf]](/document/2012_enterprise_pudb.zip) 2011 [[.txt, .pdf]](/document/2011_enterprise_pudb.zip) 2010 [[.txt, .pdf]](/document/2010_enterprise_pudb.zip) 2009 [[.txt, .pdf]](/document/2009_enterprise_pudb.zip) 2008 [[.txt, .pdf]](/document/2008_enterprise_pudb.zip)\n\n## Public Use Database – Federal Home Loan Bank System (FHLBank)\n\nHERA Section 1212 requires the Director to make available to the public, in a form that is useful to the public (including forms accessible electronically), and to the extent practicable, census tract level data relating to mortgages purchased by each Federal Home Loan Bank.\n"} diff --git a/chunks/json/979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336.json b/chunks/json/979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336.json new file mode 100644 index 0000000000000000000000000000000000000000..2e5d798579f196fac668561f4f5cadd70fa5f814 --- /dev/null +++ b/chunks/json/979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4435,"char_start":3637,"chunk_id":"chk_c3a4f785e58a337f","chunk_index":4,"chunk_sha256":"979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336","token_estimate":601,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information .................................................................................................................................................................. 10\n\nLegal Description ........................................................................................................................................................................................................ 12\n\n02 Original Appraisal ________________________________________________________________________________________________________ 12\n\nOverview .............................................................................................................................................................................................................................. 12\n"} diff --git a/chunks/json/97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27.json b/chunks/json/97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27.json new file mode 100644 index 0000000000000000000000000000000000000000..1191071108804966b19caaee0e4202c3478c5992 --- /dev/null +++ b/chunks/json/97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1221734,"char_start":1220134,"chunk_id":"chk_69f053cb66c6eddc","chunk_index":725,"chunk_sha256":"97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nThis field is required if field 2-108 (Subject Has\nPrior Sales Indicator = 'Y') is indicated.\n\nPrice of Prior Sale/Transfer\nSUBJECT\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR\n_SALES/@PropertySalesAmount\n\n15\n\nMoney\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source (s)\nSUBJECT\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_\nSALES/@DataSourceDescription\n\n30\n\nString\n\nPDF Display Format:\nmm/dd/yyyy\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field must indicate the data source used for the prior sale/transfer of the\ncomparable.\n\nPDF Display Format (when the source is an MLS listing):\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nThis field is required if field 2-108 (Subject Has\nPrior Sales Indicator = 'Y') is indicated.\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nEffective Date of Data Source (s)\nSUBJECT\n\nData Source\nEffective Date\n\nThe effective date of the source of\ninformation.\n\nDate of Prior Sale/Transfer\nCOMPARABLE\n\nGSE Prior Sale Date\n\nThe date of the prior sale of the subject or\ncomparable properties.\n"} diff --git a/chunks/json/97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8.json b/chunks/json/97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8.json new file mode 100644 index 0000000000000000000000000000000000000000..c6b157744ce2d403abfbc20d13b21dbc564f4e90 --- /dev/null +++ b/chunks/json/97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44535,"char_start":42839,"chunk_id":"chk_5c472a70e3c41180","chunk_index":26,"chunk_sha256":"97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8","token_estimate":424,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"90-120 days\n10/05/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior - Building 1\n\nLocation\n\nRoof\n\nEntire Roof\n\nUnit Interior - Building 1 - Unit 1\n\nAppliances\n\nKitchen\n\nCabinetry\n\nCabinetry\n\nDoors\n\nWalls and Ceiling\n\nBathroom\n\nKitchen\n\nBathroom\n\nBathroom\n\nDwelling Exterior - Building 2\n\nRoof\n\nEntire Roof\n\nUnit Interior - Building 2 - Unit 2\n\nCabinetry\n\nCabinetry\n\nBathroom\n\nKitchen\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nRust noted on the roof. Metal galvanized roofs\ncan detriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nNo\n\nThe stove is fully functional but considered\noutdated, undersized and does not meet\ncurrent standards in the market.\n\nSome cabinet hardware is missing exhibiting\nmoderate wear and tear.\n\nSome cabinet hardware and cabinet fronts\nmissing exhibiting moderate wear and tear.\n\nPeeling paint that is cosmetic in nature.\n\nPeeling and worn paint that is cosmetic in\nnature.\n\nRust noted on the roof. Metal galvanized roofs\ncan detriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e.json b/chunks/json/97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e.json new file mode 100644 index 0000000000000000000000000000000000000000..7655f820b7011417074f78959bd843bd2d7f83b6 --- /dev/null +++ b/chunks/json/97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":414857,"char_start":413201,"chunk_id":"chk_1b88555800afd916","chunk_index":231,"chunk_sha256":"97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Down Payment Requirements for Single-Closing Purchase Transactions\n\nThe borrower must use their own funds to make the minimum borrower contribution unless:\n\n•\n•\n\nthe LTV, CLTV, or HCLTV ratio is less than or equal to 80%; or\nthe borrower is purchasing a one-unit principal residence and meets the requirements to use gifts, donated grant funds,\nor funds received from an employer to pay for some or all of the borrower's minimum contribution. See Selling Guide B3-\n4.3-04, Personal Gifts; B3-4.3-06, Grants and Lender Contributions; and B3-4.3-08, Employer Assistance, for additional\ninformation.\n\nModifications of Single-Closing Construction-to-Permanent Mortgages\n\nIf the terms of the permanent financing change after the original closing date of the construction loan, the loan may be modified\nto reflect the new terms if it meets all of the following criteria:\n\nThe modification must take place prior to or at the time of conversion.\n\n•\n• Only the following loan terms may be modified in a single-closing transaction:\n\no\ninterest rate,\no\nloan amount,\no\nloan term, and\no amortization type.\n\nThe only amortization change permitted is from an adjustable-rate amortization to a fixed-rate amortization.\n\nChanges made to any other loan terms will require a two-closing construction-to-permanent transaction.\n\n•\n\nThe loan must be underwritten based on the terms of the loan as modified and delivered to Fannie Mae. If the final\n(modified) terms of the loan do not match the last submission to DU, the loan must be resubmitted to DU (subject\nto Underwriting Single-Closing Construction-to-Permanent Mortgages and Requalification Requirements described below).\n"} diff --git a/chunks/json/97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194.json b/chunks/json/97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194.json new file mode 100644 index 0000000000000000000000000000000000000000..ab894b976e8bc2f7322d148fe3dae8669142f5dc --- /dev/null +++ b/chunks/json/97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194.json @@ -0,0 +1 @@ +{"chunk":{"char_end":121999,"char_start":120331,"chunk_id":"chk_67517f056c9a6060","chunk_index":71,"chunk_sha256":"97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates whether any part of the\nsubject parcel is in a FEMA\ndesignated Flood Zone.\n\n125\n\n1\n\n119\n\nSITE\n\nFEMA Flood Zone\n\nGSE NFIP Flood\nZone Identifier\n\nThe FEMA Flood Zone identifier for\nthe subject site.\n\n126\n\n1\n\n120\n\nSITE\n\nFEMA Map #\n\nGSE FEMA Flood\nMap Identifier\n\nThe FEMA map number of which the\nsubject property is located.\n\n/VALUATION_RESPONSE/PROPERTY/_OF\nF_SITE_IMPROVEMENT[@_Type='Street'\nand\n@_OwnershipType='Public']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/_OF\nF_SITE_IMPROVEMENT[@_Type='Street'\nand\n@_OwnershipType='Private']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OF\nF_SITE_IMPROVEMENT[@_Type='Alley']/@\n_Description\n\n/VALUATION_RESPONSE/PROPERTY/_OF\nF_SITE_IMPROVEMENT[@_Type='Alley' and\n@_OwnershipType='Public']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OF\nF_SITE_IMPROVEMENT[@_Type='Alley' and\n@_OwnershipType='Private']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO\nN/FLOOD_ZONE_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFOR\nM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SE\nCTION_DATA/FLOOD_ZONE_INFORMATI\nON[@GSEFEMASpecialFloodHazardAreaIndic\nator='Y']\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO\nN/FLOOD_ZONE_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFOR\nM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SE\nCTION_DATA/FLOOD_ZONE_INFORMATI\nON[@GSEFEMASpecialFloodHazardAreaIndic\nator='N']\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO\nN/FLOOD_ZONE_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFOR\nM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SE\nCTION_DATA/FLOOD_ZONE_INFORMATI\nON/@GSENFIPFloodZoneIdentifier\n"} diff --git a/chunks/json/97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132.json b/chunks/json/97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132.json new file mode 100644 index 0000000000000000000000000000000000000000..50b563aac6815d1645184aed3d21a56d563d5ee1 --- /dev/null +++ b/chunks/json/97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21772,"char_start":21188,"chunk_id":"chk_3feb211a24218b80","chunk_index":33,"chunk_sha256":"97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Quality and Condition (H1) ................................................................................................................................. 47\n\nAccessibility Features for Individuals with Disabilities (H1) ............................................................................... 48\n\nApparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit\nIdentifier]) (H1) ................................................................................................................................................... 49\n"} diff --git a/chunks/json/980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712.json b/chunks/json/980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712.json new file mode 100644 index 0000000000000000000000000000000000000000..86e848de15ef1aa882b3ac5d429847b27971d5a2 --- /dev/null +++ b/chunks/json/980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13532,"char_start":11921,"chunk_id":"chk_785dbb4176095e55","chunk_index":7,"chunk_sha256":"980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Unit Interior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nUnit Interior Exhibits\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 8 of 22\nPage 8 of 22\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room - Dining Area\n\nLevel 1 - Kitchen\n\nLevel 1 - Living Room\n\nApparent Defects, Damages, Deficiencies -\nWalls and Ceiling - Peeling Paint\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nFunctional Obsolescence Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nVehicle Storage\n\nStorage\nParking Garage\n\nNumber of Parking Spaces\n2 | Owned\n\nDetail\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Commentary\n\nG22 and G23 - Space Numbers.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nWhole Home\n\nSubject Property Amenity\nBalcony\n\nMaterial\nConcrete\n\nIndoor Fireplace\n\nDetail\n56 Sq. Ft.\n\nTotal Number - 1\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 22\nPage 9 of 22\n\nSubject Property Amenities (continued)\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n"} diff --git a/chunks/json/98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53.json b/chunks/json/98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53.json new file mode 100644 index 0000000000000000000000000000000000000000..8562a7dd17f910382a73ad596edf847fcbdf256f --- /dev/null +++ b/chunks/json/98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53.json @@ -0,0 +1 @@ +{"chunk":{"char_end":467898,"char_start":466244,"chunk_id":"chk_4dddff129ee956cf","chunk_index":277,"chunk_sha256":"98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose this answer when a special assessment has been charged to the unit.\nNotes:\n•\n•\n\nIf this answer is selected, provide the Project Special Assessment Amount remaining for the unit.\nIf there is an existing special assessment that has been fully paid by the unit owner, choose this answer and enter\nzero (0) for Project Special Assessment Amount.\n\nChoose this answer when the appraiser has been made aware of a planned special assessment, regardless of whether the\namount is known. This includes any special assessment that the board and, if required, owners, have approved but the\nboard has not initiated collection.\nNotes:\n•\n•\n\nIf the amount is known to the appraiser, provide the Project Special Assessment Amount to be charged to the unit.\nIf the amount is unknown to the appraiser, leave Project Special Assessment Amount blank, and provide commentary\nin Special Assessments Comment.\n\nSpecial Assessment Impact and Comment\n\nProject Factors: Unit Special Assessments\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.082 Unit Special\nAssessments\n(Impact)\n\n18.092 Unit Special\nAssessments\n(Comment)\n\nRequired if Project\nSpecial Assessment\nAmount Type is\nExisting or Proposed\n\nRequired if Project\nSpecial Assessment\nAmount Type is\nExisting or Proposed,\nor as needed\n\nAllowable\nAnswers / Format\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nDefinition / Additional Guidance\n\nSpecial Assessments Comment\nCommentary on the reason for the special assessment(s), sources of\ninformation, a description of the impact to value and / or marketability, and\nany other details.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n"} diff --git a/chunks/json/98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6.json b/chunks/json/98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6.json new file mode 100644 index 0000000000000000000000000000000000000000..c15529ac5736670f0711628406dcb9f5e2fae9cc --- /dev/null +++ b/chunks/json/98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":220582,"char_start":218922,"chunk_id":"chk_02320707a210fa3b","chunk_index":124,"chunk_sha256":"98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"7.008\n\nFeePaymentPaidByType\n\n7.009\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\n200.00\n\nBuyer\n\nfalse\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL\n\n8.207\n\nFeeActualTotalAmount\n\n40.00\n\n8.205\n\nIntegratedDisclosureSectionType\n\nTaxesAndOtherGovernmentFee\ns\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E\nXTENSION\n\n15.004\n\nucd:FeeItemType\n\nRecordingFeeForDeed\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL\n\n8.207\n\nFeeActualTotalAmount\n\n45.00\n\n8.205\n\nIntegratedDisclosureSectionType\n\nTaxesAndOtherGovernmentFee\ns\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E\nXTENSION\n\n15.004\n\nucd:FeeItemType\n\nRecordingFeeForMortgage\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL\n\n8.209\n\nIntegratedDisclosureSectionType\n\nTaxesAndOtherGovernmentFee\ns\n\nIncluded so that the associated fee\ncan be rendered on the CD in the\nintended section.\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E\nXTENSION\n\n15.018\n\nucd:FeeItemType\n\nRecordingFeeTotal\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_PAYMENTS/FEE_PAYMENT\n"} diff --git a/chunks/json/980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d.json b/chunks/json/980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d.json new file mode 100644 index 0000000000000000000000000000000000000000..221c500568b12d8ef974d786524d11dd6dd918a6 --- /dev/null +++ b/chunks/json/980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":136386,"char_start":134778,"chunk_id":"chk_c927b3f3917c00d1","chunk_index":60,"chunk_sha256":"980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ii. See V. Consolidated Mapping Guidance entry for Other + Other Description-Free Form Text.\n\nAppendix E: UCD Implementation Guide\n\nPage 55 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3. 5 LOAN I D#\n\n3.0 Loan Information\n\nThe lender’s loan identifier is reflected on the form as illustrated in the following figure.\n\n3.0 Loan Information\n\n3.4 Loan Type  Conventional  FHA\n\n VA \n\n3.5 Loan ID # 123456789\n\n3.6 MIC #\n\n000654321\n\nFigure 27. Loan ID #\n\nUp to 10 GSE-specific data points are required, if available, to assist with identifying loans across UMDP datasets\n(see 2. To Support Cross-UMDP Loan Identification). These data points (shown in Table 40) are associated with\nthe Loan ID # field, but do not appear on the Closing Disclosure:\n\n1. MERS_MIN\n\n2. Universal Loan ID\n\n3. AUS IDs for Loan Product Advisor and/or Desktop Underwriter\n\n4. Manual Underwriting Indicator\n\nTable 40. Loan Identifiers\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst instance of LOAN_IDENTIFIER\n\n3.5\n\nLoan ID #\n\n…/LOAN/LOAN_IDEN\nTIFIERS/LOAN_IDENT\nIFIER\n\nLoanIdentifier\n\n123456789\n\nLoanIdentifierType\n\nLenderLoan\n\n2 data points MUST\nbe used together\n\nUID\n0.038\n\nUID\n0.045\n\nSecond instance of LOAN_IDENTIFIER\n\nGSE (Loan ID #)\n\n…/LOAN_IDENTIFIER LoanIdentifier\n\n12345678910111213\n1\n\nLoanIdentifierType MERS_MIN\n\nThird instance of LOAN_IDENTIFIER\n\n▪ 2 data points\nMUST be used\ntogether\n▪ Not shown –\n\nCross-UMDP loan\nID\n\n▪ Provide if available\n\nAppendix E: UCD Implementation Guide\n\nPage 56 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n"} diff --git a/chunks/json/98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b.json b/chunks/json/98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b.json new file mode 100644 index 0000000000000000000000000000000000000000..ccb6fb2d5fe562025148c5d9afbf4eed1116aa42 --- /dev/null +++ b/chunks/json/98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":427925,"char_start":426176,"chunk_id":"chk_87ec64c9898a7097","chunk_index":253,"chunk_sha256":"98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b","token_estimate":438,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A project that contains a mixture of units, some with cooperative ownership rights and others with condominium\nownership rights.\nExample:\n•\n\nA mixed-use condo building with commercial spaces that are individual condo units, and a residential portion that is a\ncooperative consisting of individual residential co-op units (all of the residential co-op units together make up one\ncondominium unit).\n\nNote: If this answer is selected, a checkmark displays in the Condop checkbox (18.003) at the top of the Project\nInformation section.\n\nGeneral Information\n\nProject Name and Data Sources\n\nProject Information: Project Name and Data Sources\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.004 Project Name\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nAllowable\nAnswers / Format\n\nFree-form\n\n18.005 Project\n\nInformation\nData Source\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nProvide the legal name of the project in which the property is located, as it\nwould appear in the preliminary title report.\nNotes:\n•\n\nThis information may be obtained from the HOA, client, borrower, or any\nother reliable source.\nIf the legal name is unavailable, provide the most commonly used name\nfor the project.\n\n•\n\nAssessor Record\nBuilder or Developer\nCondominium Questionnaire\nCooperative Board\nCooperative Questionnaire\nData Aggregator\nHomeowners Association\nLand Survey\n\nSources of data for the Project Information section.\n•\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n•\n•\n•\nFor reference, see the Statement of Assumptions and Limiting Conditions\nrelevant to data sources and Appraiser Certification 8.\n"} diff --git a/chunks/json/9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db.json b/chunks/json/9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db.json new file mode 100644 index 0000000000000000000000000000000000000000..f4208c3ee967a66746118cf18a2b56cf73a86f4b --- /dev/null +++ b/chunks/json/9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":180695,"char_start":179182,"chunk_id":"chk_7803cc55568d9be5","chunk_index":87,"chunk_sha256":"9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.3.1 +\n\n109 5.3.2 +\n\n109 5.3.3 +\n\n109 5.3.4 +\n\n---\n\n5.4.1 +\n\n0 5.4.2 +\n\n0 5.4.3 +\n\n0 5.4.4 +\n\n0\n\n5.5.1\n\n5.5.2\n$1,116.35\n\n5.5.3\n\n5.5.4\n\n5.5.5\n\n5.5.6\n\n5.5.7\n\n5.5.8\n\n$1,116 – $1,561\n\n$1,116 – 1,775\n\n$1,116 – $1,870\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\n5.6.1 $533\n5.6.2 a month\n\nThis estimate includes\n5.6.3 Property Taxes\n5.6.4 Homeowners Insurance\n5.6.5 Other:\n\nIn escrow?\nNO\nNO\n\nSee Escrow Account on page 4 for details. You must pay for other property\ncosts separately.\n\nFigure 53. Projected Payments Table with Maximum Number of Columns\n\nAppendix E: UCD Implementation Guide\n\nPage 80 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5. 1 PAYMENT CALCULATI ON SECTI ON\n\n1. COLUMN HEADI NGS - YEAR RANGES\n\nThe Projected Payments table must disclose at least one, but no more than four separate year ranges. Figure 53\nillustrates the table with the maximum number of periods (4).\n\nEach column must be expressed in whole years, which are twelve-month intervals that begin on the due date of\nthe initial periodic payment. When the same Estimated Total Periodic Payment amount will be paid for several\nyears before a payment change event occurs, then the Year Range representing the unchanging payment\nbecomes a column heading. The entire loan term must be represented by the Year Range columns. Figure 54\nillustrates a loan with two Year Range columns.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1\n\nYears 1 – 7\n"} diff --git a/chunks/json/982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc.json b/chunks/json/982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc.json new file mode 100644 index 0000000000000000000000000000000000000000..4ce1761b5ba89279447737b5f69b9c9778717f87 --- /dev/null +++ b/chunks/json/982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8573,"char_start":7070,"chunk_id":"chk_7855c592eb8f9ba1","chunk_index":4,"chunk_sha256":"982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.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![Sidewalk on the Tidal Basin with Washington Monument in the background](/sites/default/files/styles/desktop_hero/public/2025-04/hero-3.jpg.webp?itok=riiM1izY)\n\n# Testimonies\n\nCongressional testimonies that offer valuable insights from FHFA leadership.\n\n## Breadcrumb\n\n- [Home](/)\n - [News](/news)\n - Testimonies\n"} diff --git a/chunks/json/982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf.json b/chunks/json/982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf.json new file mode 100644 index 0000000000000000000000000000000000000000..4ae3f26b67756d076245fc5ab9c422e8cb9158c7 --- /dev/null +++ b/chunks/json/982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":418085,"char_start":416710,"chunk_id":"chk_47aa281d05e7198b","chunk_index":235,"chunk_sha256":"982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"---\n\n5.4.1 +\n\n0 5.4.2 +\n\n0 5.4.3 +\n\n0 5.4.4 +\n\n0\n\n5.6.1 $356.13\n5.6.2 a month\n\nThis estimate includes\n5.6.3 Property Taxes\n5.6.4 Homeowners Insurance\n5.6.5 Other: Homeowners Assn Dues\n\nIn escrow?\nNO\nNO\nNO\n\nSee Escrow Account on page 4 for details. You must pay for other\nproperty costs separately.\n\nFigure 114. Projected Payments Table – No Escrow Account\n\nOther Costs\n\n8.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n8.10 G. Initial Escrow Payment at Closing\n\n8.10.1 $0\n\n018.11 Homeowner’s Insurance 8.11.1 (___per month for\n\n8.11.2\n\n___ mo.)\n\n028.12 Mortgage Insurance 8.12.1 (___ per month for __\n\n8.12.2\n\nmo.)\n\n038.13 Property Taxes 8.13.1 (___ per month for __ mo.)\n\n8.13.2\n\n8.11.4\n\n8.12.4\n\n8.13.4\n\n8.11.6\n\n8.12.6\n\n8.13.6\n\nFigure 115. Other Costs Table – No Escrow Account\n\nLoan Costs\n7.4 B. Services Borrower Did Not Shop For\n\n7.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n7.4.1 $536.55\n\n01 7.5 Escrow Waiver Fee.\n\n7.5.1\n\n7.5.2\n\n150.00 7.5.3\n\n7.5.4\n\n7.5.5\n\n7.5.6\n\n100.00\n\nFigure 116. Loan Costs Table – Escrow Waiver Fee\n\nThe data points used to support the Escrow Account section when no escrow account is established are\nillustrated below.\n\nTable 128. No Escrow Account\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n"} diff --git a/chunks/json/983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28.json b/chunks/json/983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28.json new file mode 100644 index 0000000000000000000000000000000000000000..0ec5533af53bd507c7e6bc9436c35074d3b4e9d4 --- /dev/null +++ b/chunks/json/983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6878,"char_start":5271,"chunk_id":"chk_64448060a9451ba2","chunk_index":3,"chunk_sha256":"983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28","token_estimate":402,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"05.002\n\nAdditional Scope of Work\n\nAdditional Scope of Work cannot be contrary to the original Scope of Work.\n\n05.003\n\nIntended Use\n\n05.004\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\n05.005\n\nThe intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage\n(24 CFR § 200.145(b)).\n\n05.006\n\nAdditional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n05.007\n\nIntended User\n\n05.008\n\nThe intended user of this report is the lender/client.\n\n05.009\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nThe VA is also an intended user of this report.\n\n05.046\n\nAdditional Intended Users\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n05.010\n\nCertifications\n\nAppraiser Certifications\n\n05.011\n\nThe Appraiser certifies and agrees that:\n\n05.012\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\n05.013\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"} diff --git a/chunks/json/984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc.json b/chunks/json/984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc.json new file mode 100644 index 0000000000000000000000000000000000000000..222263d125cf65999500ca3a437644c02999eb7f --- /dev/null +++ b/chunks/json/984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1704,"char_start":0,"chunk_id":"chk_6bef311f1163e101","chunk_index":0,"chunk_sha256":"984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_899384a2a788c2e9","text_sha256":"984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc","token_estimate":426,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-april-15-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 11.1 April Update\n\nMar. 1, 2023\n\nDuring the weekend of April 15, 2023, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The\nchanges in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of April 15, 2023.\n\nPlease review this memo, in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nNew, Modified, and Retired DU Underwriting Findings Messages\n\nThis release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require\nupdates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may\nalso require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated\nmessage changes.\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n6\n\n38\n\n4\n\nThe “final” DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to\nauthorized subscribers on or about Mar. 1, 2023.\n\nProperty Data ID\n\nWhen the lender receives DU message ID 3709, stating that the loan is eligible for value acceptance plus property data eligible\ncontingent upon the submission of property data to Fannie Mae’s Property Data API (the “API”), the lender can order the property\ndata collection from an approved vendor that has access to the API.\n"} diff --git a/chunks/json/9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a.json b/chunks/json/9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a.json new file mode 100644 index 0000000000000000000000000000000000000000..99f13733c484466b276bb15c7e082cb9fd3cf00d --- /dev/null +++ b/chunks/json/9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":225707,"char_start":224098,"chunk_id":"chk_3c4d6eeedb1c175b","chunk_index":212,"chunk_sha256":"9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"0300.0048\n\nRoofEstimatedAgeRangeType\n\n− Display “Estimated Age:” followed by the number and “years” on a separate line\n\nunder material.\n\n8.034\n\nQuality Comment\n\n0300.0075\n\nImprovementComponentQualityDescription\n\n… AND Exists\n\n8.035\n\nCondition Status\n\n0300.0054\n\nImprovementComponentConditionStatusType\n\n… AND RoofObservableIndicator = \"true\"\n\n8.036\n\nCondition Comment\n\n0300.0100\n\nImprovementComponentConditionDescription\n\n… AND Exists\n\n8.041\n\nFeature: Windows\n\n0300.0055\n\nImprovementComponentType\n\nDisplay when ImprovementComponentType = \"Windows” …\n\n8.037\n\nDetail\n\n0300.0052\n\nImprovementComponentTypeAdditionalDescription Always displays\n\n8.038\n\nQuality Comment\n\n0300.0075\n\nImprovementComponentQualityDescription\n\n… AND Exists\n\n8.039\n\nCondition Status\n\n0300.0054\n\nImprovementComponentConditionStatusType\n\nAlways displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDwelling Exterior: Quality and Condition - Exterior Features\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n8.040\n\nCondition Comment\n\n0300.0100\n\nImprovementComponentConditionDescription\n\n… AND Exists\n\n8.041\n\nFeature: [blank row]\n\n0300.0055\n\nImprovementComponentType\n\nDisplay when ImprovementComponentType = \"Other\" …\n(When no Other Feature Type is provided, the row does not display)\n\n8.041\n\n[Other Feature Type]\n\n0300.0056\n\nImprovementComponentTypeOtherDescription\n\n− Display the text in the header of the blank row\n\nPage 161\n\n8.042\n\nDetail\n\n0300.0052\n\nImprovementComponentTypeAdditionalDescription\n\nAlways displays\n\n8.043\n\nQuality Comment\n\n0300.0075\n\nImprovementComponentQualityDescription\n\n… AND Exists\n"} diff --git a/chunks/json/985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b.json b/chunks/json/985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b.json new file mode 100644 index 0000000000000000000000000000000000000000..9a70e032586942ac1c81003c7eceabfeba30c9e9 --- /dev/null +++ b/chunks/json/985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15098,"char_start":15070,"chunk_id":"chk_540cb64f7e555eba","chunk_index":9,"chunk_sha256":"985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b","token_estimate":12,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf","below_target_min_tokens"]},"text":"HF.005\nHF.006\nHF.007\nHF.008\n"} diff --git a/chunks/json/985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100.json b/chunks/json/985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100.json new file mode 100644 index 0000000000000000000000000000000000000000..86a1469b444baec4ae61841020257923fb309829 --- /dev/null +++ b/chunks/json/985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100.json @@ -0,0 +1 @@ +{"chunk":{"char_end":165680,"char_start":164055,"chunk_id":"chk_bf02762b18a7a9b7","chunk_index":176,"chunk_sha256":"985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"0100.0050\n\nValuationCommentText\n\n3.010\n\nPlanned Unit Development\n\n0100.0026\n\nPUDIndicator\n\nDisplay when SpecialTaxAssessmentsIndicator = \"true\" AND\nValuationAnalysisCategoryType (UID: 0100.0049, FID: Not on report) =\n“PropertySpecialTaxAssessments”\n\n-\n\nCheckbox always displays\nNote: When PUDIndicator = “true”, PropertyInProjectIndicator must be\nfalse\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\n3.011\n3.012\n3.013\n\nCondominium\nCooperative\nCondop\n\nPage 109\n\nSubject Property: General Information\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n2500.0168\n\nProjectLegalStructureType\n\nCheckboxes always display\nWhen PropertyInProjectIndicator (UID: 0100.0065, FID: Not on report) =\n\"false”, each checkbox displays with a checkmark in No.\nWhen PropertyInProjectIndicator = \"true”, a check mark displays in Yes for\none of the three checkboxes Condominium, Cooperative, Condop, the\nother two display a check mark in No.\n\n3.014\n\nProperty on Native American Lands\n\n0100.0054\n\nNativeAmericanLandsIndicator\n\nCheckbox always displays\n\n3.015\n\nSubject Site Owned in Common\n\n0100.0047\n\nLandOwnedInCommonIndicator\n\nCheckbox always displays\n\n3.016\n\nHomeowner Responsible for all\nExterior Maintenance of Dwelling(s)\n\n0100.0046\n\nHomeownerResponsibleForExteri\norMaintenanceIndicator\n\nCheckbox always displays\n\n3.017\n\nNew Construction\n\n0300.0010\n\nNewConstructionIndicator\n\nCheckbox always displays\n\n3.018\n\nConstruction Stage\n\n0300.0066\n\nConstructionStatusType\n\nWhen NewConstructionIndicator = \"true\" AND\nGovernmentAgencyAppraisalType = \"FHA\" OR \"VA\"\n\nFigure 3 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n"} diff --git a/chunks/json/9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d.json b/chunks/json/9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d.json new file mode 100644 index 0000000000000000000000000000000000000000..f9a733f6a1546ff5886cae7c236b6d12c10b26ef --- /dev/null +++ b/chunks/json/9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":688125,"char_start":686416,"chunk_id":"chk_4551e0407309fb8c","chunk_index":407,"chunk_sha256":"9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display:\nUAD Version 9/2011\n\nString\n\nThe latitude of the subject property\n\nString\n\nThe longitude of the subject property\n\nString\n\nThe latitude of the comparable property\n\nString\n\nThe longitude of the comparable property\n\n545\n\n3\n\n227\n\nRECONCILIATIO\nN\n\nAppraisal Assignment Type\nSubject Property Data\nCollection Date\nSubject Property Data\nCollection Method\nSubject Property Data\nCollection Workforce\n\nAppraisalReportCo\nntentName\n\nIndicates the name or title of an appraisal\nreport form or addendum. (e.g., Extra\nComparable 4-5-6).\n\n/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentName\n\n150\n\nString\n\nUAD Requirement - Refer to \"Desktop & Hybrid Reference Tab\" worksheet in\nAppendix B\n\nThe field captures the enumerated concatenated values for Desktop and Hybrid\nAppraisals.\n\nIf field 6-39 (Appraisal Inspection\nProperty Type = 'Subject' and Appraisal\nInspection Type = 'ExteriorOnly') is\nindicated this field should be\npopulated.\n\nIf field 6-27 (Supervisor Name) is\npopulated then one and only one of\nfields 6-38, 6-39, 6-41 (Appraisal\nInspection Property Type = 'Subject'\nand values of Appraisal Inspection\nType) should be indicated.\n\nIf field 6-41 (Appraisal Inspection\nProperty Type = 'Subject' and Appraisal\nInspection Type = 'ExteriorAndInterior')\nis indicated this field should be\npopulated.\n\nIf field 6-27 (Supervisor Name) is\npopulated then one and only one of\nfields 6-43, 6-44 (Appraisal Inspection\nProperty Type = ‘Comparable’ and\nvalues of Appraisal Inspection Type)\nshould be indicated.\n\nIf field 6-27 (Supervisor Name) is\npopulated then one and only one of\nfields 6-43, 6-44 (Appraisal Inspection\nProperty Type = ‘Comparable’ and\nvalues of Appraisal Inspection Type)\nshould be indicated.\n"} diff --git a/chunks/json/9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09.json b/chunks/json/9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09.json new file mode 100644 index 0000000000000000000000000000000000000000..2aabb387d9f9f1ef621f0b1e454941850a7e703b --- /dev/null +++ b/chunks/json/9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09.json @@ -0,0 +1 @@ +{"chunk":{"char_end":284192,"char_start":282457,"chunk_id":"chk_15751afa11b9c64d","chunk_index":167,"chunk_sha256":"9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The Wind Zone that the manufactured home was designed and constructed to\nconform to, as shown on the HUD data plate or other source.\n•\n•\n•\n\nZone I\nZone II\nZone III\n\nAppendix F-1: URAR Reference Guide\n\nPage 118 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\nReport\nField ID\n\n9.014\n\nReport Label\n\nWhen to Include\n\nHUD Thermal\nZone\n\nRequired if HUD Data\nPlate Attached is Yes\nor if available\n\n9.015\n\nHUD Roof Load\nZone\n\nRequired if HUD Data\nPlate Attached is Yes\nor if available\n\nManufactured Home – Dwellings – HUD Data Plate\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nThe Thermal Zone that the manufactured home was designed and constructed\nto conform to, as shown on the HUD data plate or other source.\n•\n•\n•\n\nZone 1\nZone 2\nZone 3\n\nThe Roof Load Zone that the manufactured home was designed and\nconstructed to conform to, as shown on the HUD data plate or other source.\n• Middle\n•\nNorth\n•\nSouth\n\nHUD Certification Label\n\nNote: If the HUD Certification Label is not available for all sections, indicate in Manufactured Home Commentary\n(9.026) the source of the data provided.\n\nManufactured Home – Dwellings – HUD Certification Label\n\nReport\nField ID\n\n9.016\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nLabel Present for\nall Sections\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether the HUD Certification Label (also referred to as the HUD\nCertification, Construction Code Label, Certification Label, HUD Label, or Red\nTag) is present and attached to all sections of the manufactured home.\n•\n•\n"} diff --git a/chunks/json/989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c.json b/chunks/json/989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c.json new file mode 100644 index 0000000000000000000000000000000000000000..5c863dfb70f20acb6e25159879331879a39727c7 --- /dev/null +++ b/chunks/json/989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":134010,"char_start":132383,"chunk_id":"chk_ff589fbf02a9ad14","chunk_index":77,"chunk_sha256":"989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 51 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nGround Rent\n\n03 Subject Property\n\nThis subsection is for ground rents paid by individual owner(s) of the subject property. Reference the Project Information section\n(18.019-18.022) for project ground rent.\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSubject Property: Ground Rent\n\nReport\nField ID\n\n3.022\n\nGround Rent\nAnnual Amount\n\n3.023\n\nRenewable\n\n3.024\n\nTerm\n\n3.025\n\nExpires\n\n3.026\n\nDescription of\nGround Rent\nand Impact to\nValue /\nMarketability\n\nDollar amount\n\nAnnual amount agreed to be paid for the ground rent for the subject property.\n\nYes | No\n\nLease Renewable\nIndicates whether the ground lease is renewable.\n\nNumber\n\nTotal number of years the ground lease is in effect (full term of the lease).\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nmm/yyyy\n\nExpiration date of the ground lease.\n\nFree-form\n\nProvide commentary on the ground rent, sources of information, a description\nof the impact to value and / or marketability, and any other details.\n\nRequired if Property\nRights Appraised is\nLeasehold and Site\nOwned in Common is\nNo\n\nRequired if Property\nRights Appraised is\nLeasehold and Site\nOwned in Common is\nNo\n\nRequired for FHA,\nUSDA, and VA\nappraisals when Lease\nRenewable is Yes\n\nRequired if Property\nRights Appraised is\nLeasehold and Site\nOwned in Common is\nNo\n\nRequired if Property\nRights Appraised is\nLeasehold and Site\nOwned in Common is\nNo\n"} diff --git a/chunks/json/98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90.json b/chunks/json/98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90.json new file mode 100644 index 0000000000000000000000000000000000000000..8f4ea3caee21613ac23f4feee9604628afdf0902 --- /dev/null +++ b/chunks/json/98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10090,"char_start":8393,"chunk_id":"chk_284daff6ba57ec65","chunk_index":5,"chunk_sha256":"98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90","token_estimate":424,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"90\n\n89\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 94\n\n92\n\n93\n\nI did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 97\n\n95\n\n96\n\n99\n\n98\n\n102\n\n101\n\nMy research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\nData source(s) 100\nMy research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\nData source(s) 103\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARABLE SALE # 3\n108\n109\n110\n111\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales. 112\n\nCOMPARABLE SALE # 1\n108\n109\n110\n111\n\nCOMPARABLE SALE # 2\n108\n109\n110\n111\n\nSUBJECT\n104\n105\n106\n107\n\nITEM\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nP\nR\nO\nJ\nE\nC\nT\n\nA\nN\nA\nL\nY\nS\nI\nS\n\nU\nN\nI\nT\n\nD\nE\nS\nC\nR\nI\nP\nT\nI\nO\nN\n\nP\nR\nI\nO\nR\n\nS\nA\nL\nE\n\nH\nI\nS\nT\nO\nR\nY\n\nFreddie Mac Form 465 March 2005 226\n\nPage 2 of 6\n\nFannie Mae Form 1073 March 2005\n\n2\n\nIndividual Condominium Unit Appraisal Report\n\nFile # 3\n\n4 4a\n\n.\nThere are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7\nThere are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10 .\n"} diff --git a/chunks/json/98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35.json b/chunks/json/98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35.json new file mode 100644 index 0000000000000000000000000000000000000000..8029512f75f11ac62acc662a4ea97b192dd4e1c9 --- /dev/null +++ b/chunks/json/98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35.json @@ -0,0 +1 @@ +{"chunk":{"char_end":131939,"char_start":130121,"chunk_id":"chk_4f2b239de59c6f14","chunk_index":70,"chunk_sha256":"98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"ProrationItemPaidThroughDate\n\n2024-04-30\n\n10.017\n\nProrationItemType\n\nUtilities\n\nFigure 40. XML Snippet-Prepaid Line Items.\n\n\n…\n\n\n\n\n\n\n \n \n\nDueFromBorrowerAtClosing\nAdjustmentsForItemsPaidBySellerInAdvance\n5.00\n\nUCD v2.0 Implementation Guide\n\n- 55 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 40. XML Snippet-Prepaid Line Items.\n\n2024-04-15\n2024-04-30\nCityPropertyTax\n\n\n \n\nDueFromBorrowerAtClosing\nAdjustmentsForItemsPaidBySellerInAdvance\n3.00\n2024-04-15\n2024-04-30\nHomeownersAssociationDues\n\n\n \n\nPaidAlreadyByOrOnBehalfOfBorrowerAtClosing\nAdjustmentsForItemsUnpaidBySeller\n36.00\n2024-04-15\n2024-04-30\nCountyPropertyTax\n"} diff --git a/chunks/json/98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba.json b/chunks/json/98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba.json new file mode 100644 index 0000000000000000000000000000000000000000..3f0f648500228b9c4fce72ced1c0389cbe6276c0 --- /dev/null +++ b/chunks/json/98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5563,"char_start":4998,"chunk_id":"chk_913f17d9051712a7","chunk_index":8,"chunk_sha256":"98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba","token_estimate":444,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Section 7: Military Service ................................................................................................................. 27\n\nSection 8: Demographic Information .................................................................................................. 27\n\nSection 9: Loan Originator Information .............................................................................................. 28\n\nLender Loan Information .................................................................................................................... 28\n"} diff --git a/chunks/json/98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42.json b/chunks/json/98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42.json new file mode 100644 index 0000000000000000000000000000000000000000..e8726a7736c7e4ae36d180ac08552c93f481184e --- /dev/null +++ b/chunks/json/98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9325,"char_start":7084,"chunk_id":"chk_60073c9b8938d584","chunk_index":4,"chunk_sha256":"98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42","token_estimate":570,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.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# LIBOR Transition\n\n*Note: Sign up at bottom of the page to subscribe and be notified of updates.*\n\nFannie Mae, Freddie Mac, and the Federal Home Loan Banks (FHLBanks) all have financial instruments that reference [Intercontinental Exchange London Interbank Offered Rate (ICE LIBOR)](https://www.theice.com/iba/libor), the most widely used int​erest rate benchmark in the world. [Since 2017](https://www.fca.org.uk/news/speeches/the-future-of-libor), the Financial Conduct Authority, the United Kingdom-based regulator of LIBOR, has been warning market participants that it will stop compelling panel banks to submit LIBOR quotes beginning in 2022, [which could result in a declaration that LIBOR](https://www.fca.org.uk/news/speeches/libor-preparing-end) is no longer representative of market activity. On March 5, 2021, the FCA announced that the publication of 1-week and 2-month US dollar LIBOR will cease after December 31, 2021, and the publication of all other US dollar LIBOR settings will cease or be deemed unrepresentative after June 30, 2023.\n"} diff --git a/chunks/json/98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275.json b/chunks/json/98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275.json new file mode 100644 index 0000000000000000000000000000000000000000..4459b9aa1d61a2cc1b7be202ac83cf25be2f1176 --- /dev/null +++ b/chunks/json/98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8316,"char_start":6579,"chunk_id":"chk_c07ac297772be1ce","chunk_index":4,"chunk_sha256":"98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275","token_estimate":429,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"Cable\n\nOther (describe)\n\nmaterials/condition\n\nAmenities\n\nAppliances\n\nCar Storage\n\nGeneral Description\n\nFloor #\n# of Levels\nHeating Type\n\nFuel\n\nInterior\nFloors\nWalls\nTrim/Finish\n\nCentral AC\n Other (describe)\n\nIndividual AC Bath Wainscot\n\nDoors\n\nFinished area above grade contains:\nAre the heating and cooling for the individual units separately metered?\n\nRooms\n\nBedrooms\n Yes\n\nFireplace(s) #\n Woodstove(s) #\n Deck/Patio\n Porch/Balcony\n Other\n\nRefrigerator\n Range/Oven\n Disp\n Dishwasher\n Washer/Dryer\n\nMicrowave\n\nAssigned\nParking Space #\nSquare Feet of Gross Living Area Above Grade\n No If No, describe and comment on compatibility to other projects in the market area.\n\nOwned\n\nBath(s)\n\nNone\n Garage\n\n# of Cars\n\nCovered\n\nOpen\n\nAdditional features (special energy efficient items, etc.)\n\nDescribe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.).\n\nAre there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property?\n\nYes\n\nNo If Yes, describe\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)?\n\nYes\n\nNo If No, describe\n\nI\n\ndid\n\ndid not research the sale or transfer history of the subject property and comparable sales. If not, explain\n\ndid\n\ndid not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\n\nMy research\nData source(s)\nMy research\nData source(s)\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARABLE SALE # 3\n"} diff --git a/chunks/json/98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2.json b/chunks/json/98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2.json new file mode 100644 index 0000000000000000000000000000000000000000..2e9e682aa5139d3d89f0857390f6f603f3300e89 --- /dev/null +++ b/chunks/json/98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36477,"char_start":34178,"chunk_id":"chk_5bcd7ce549130dcd","chunk_index":17,"chunk_sha256":"98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2","token_estimate":575,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"4. Single-Family Data Field 37:\nMortgage Purchased Under Enterprise’s\nCommunity Lending Program\n\nThis data field identifies mortgages\npurchased under Enterprise-specific\nlanding programs. FHFA no longer\nrequires the Enterprises to report this\ndata for housing goals purposes.\nAccordingly, footnote (7) to this data\nfield in the single-family matrix\nindicates that this data field is not\napplicable for 2010 and beyond.\n\n5. Single-Family Data Field 39 and\nMultifamily Data Field 37: Enterprise\nReal Estate Owned\n\nThis data field identifies properties\nowned by an Enterprise as a result of\nforeclosure or other impairment. FHFA\nno longer requires the Enterprises to\n\nreport this data for housing goals\npurposes. Accordingly, footnotes (7) and\n(5) to this data field in the single-family\nand multifamily matrices, respectively,\nindicate that the data field is not\napplicable for 2010 and beyond.\n\n6. Multifamily Data Field 38: Public\nSubsidy Program\n\nThis data field identifies the type of\npublic subsidy, if applicable, provided\nin connection with a multifamily loan\npurchased by an Enterprise. FHFA no\nlonger requires the Enterprises to report\nthis data for housing goals purposes.\nAccordingly, footnote (5) to this data\nfield in the multifamily matrix indicates\nthat this data field is not applicable for\n2010 and beyond.\n\nB. Revisions to Conform to HERA\nChanges\n\n1. Single-Family Data Field 17:\nBorrower Income Ratio\n\nThis data field identifies the ratio of\nthe borrower’s annual income (data field\n15) to the AMI (data field 16). Effective\nfor 2010 and beyond, HERA eliminated\nthe previous low- and moderate-income\nhousing goal (100 percent of AMI or\nbelow) and special affordable housing\ngoal (which includes units affordable at\n60 percent of AMI or below) and, among\nother things, established new single-\nfamily housing goals for low-income\nfamilies (80 percent of AMI or below)\nand very low-income families (defined\nby HERA as 50 percent of AMI).\nAccordingly, footnote (7) to data field 17\nin the single-family matrix indicates\nthat the pre-HERA income categories\ntherein are not applicable to 2010 and\nbeyond. FHFA has revised the income\ncategories in data field 17a to reflect the\nnew HERA income limits effective for\n2010 and beyond, as indicated in\nfootnote (8) of the single-family matrix.\n"} diff --git a/chunks/json/98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4.json b/chunks/json/98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4.json new file mode 100644 index 0000000000000000000000000000000000000000..1d332a3265e935e66b213bebba8baf352a7eae69 --- /dev/null +++ b/chunks/json/98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1712,"char_start":0,"chunk_id":"chk_9e0b3eaf5abada58","chunk_index":0,"chunk_sha256":"98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8535ea1710d70b24","text_sha256":"98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Reports___FHFA_gp0z3l.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports\"\ndate_accessed: \"2026-01-27T17:47:50.162Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956.json b/chunks/json/9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956.json new file mode 100644 index 0000000000000000000000000000000000000000..6f81e4c5e612a9163240510b07c39bbd9bb75782 --- /dev/null +++ b/chunks/json/9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14565,"char_start":12953,"chunk_id":"chk_1283357d011d0d11","chunk_index":8,"chunk_sha256":"9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 7 of 22\n\nUnit Interior - Primary Dwelling (continued)\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nPartially Below Grade\nInterior and Exterior Access\nWalk Out\n\nLevel 1\n\nAbove Grade\n\nFinish\nFinished\n\nUnfinished\n\nFinished\n\nArea\n640 Sq. Ft.\n\n616 Sq. Ft.\n\n1,960 Sq. Ft.\n\nLevel 2\n\nAbove Grade\n\nFinished\n\n1,344 Sq. Ft.\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom Summary\n1 - Family Room\n\n1 - Bath - Full\n1 - Bath - Half\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Living Room\n\n2 - Bath - Full\n4 - Bedroom\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 2\n\nBath - Half\nLevel 1\n\nUpdate Status\nPartially Updated\n\nTime Frame\n1-5 years\n\nQuality Comment\nUpgraded counters\n\nCondition Status\nNew or Like New\n\nCondition Comment\nRecently updated\n\nFully Updated\n\n1-5 years\n\nNot Updated\n\nNot Updated\n\nUpgraded shower,\nfixtures, floor\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nNew or Like New\n\nRecently updated\n\nTypical Wear and Tear\n\nWell-maintained\n\nTypical Wear and Tear\n\nWell-maintained\n\nPartially Updated\n\n1-5 years\n\nUpgraded fixtures\n\nNew or Like New\n\nRecently updated\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nEngineered Wood\n\nVinyl\n\nWalls and Ceiling\n\n8 Ft. | 9 Ft. | Flat\n"} diff --git a/chunks/json/9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b.json b/chunks/json/9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b.json new file mode 100644 index 0000000000000000000000000000000000000000..a1db18c2855684f7ee2066ef89f371d595bb078f --- /dev/null +++ b/chunks/json/9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7827,"char_start":6476,"chunk_id":"chk_c6cbedda16e52208","chunk_index":4,"chunk_sha256":"9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f05286f76b764a18","text_sha256":"9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b","token_estimate":337,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2023.pdf"]},"text":"•\n\n1 new edit with a severity of Fatal\n\nULDD-\nMISMO 3.0\n\nThere are two options for a lender to resolve edit D323\nand deliver the loan:\n\n1. Resubmit the DU loan casefile: Lenders can\nresubmit the loan casefile to DU after the PDC\nhas been submitted to the Fannie Mae Property\nData API for DU message ID 3713 to be received.\nLD caches data for 24 hours, so the lender\nshould resubmit to DU and then wait 24 hours\nand resubmit to EarlyCheck.\n\nNOTE:  If the lender did not submit the PDC to the\nAPI prior to the note date the loan is not eligible for\ndelivery with SFC 774, even if DU message ID 3713\nwas received.\n\n2. Remove SFC 774. If the lender provided SFC\n\n774 in error, removing the SFC will resolve edit\nD323\n\nRefer to Value Acceptance + Property Data\nFact Sheet for more information.\n\nULDD-\nMISMO 3.0\n\nSee DU V. 11.1 Release I Nov. 18, 2023 for more details.\n\n© 2024 Fannie Mae\n\nNovember 2023\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nFile\nType\n\nImpact\n\nNov 20\n\nEdit Updates\n\n7.6.8\n\nEdits changing severity are related to Interest Rate and\nValue Acceptance\n\nULDD-\nMISMO 3.0\n\n•\n\n3 edits with changing severity from\nWarning-to-Fatal to Fatal\n\nFor information on EarlyCheck enhancements prior to January 2023, please refer to the Release Notes archive document available on the EarlyCheck homepage.\n\n© 2024 Fannie Mae\n\nNovember 2023\n"} diff --git a/chunks/json/9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93.json b/chunks/json/9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93.json new file mode 100644 index 0000000000000000000000000000000000000000..837549a2829d6885e16706d99e2bc54110d3bfb0 --- /dev/null +++ b/chunks/json/9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18305,"char_start":15239,"chunk_id":"chk_07aedbea1c4b7071","chunk_index":8,"chunk_sha256":"9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bd409e86684619b1","text_sha256":"9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93","token_estimate":805,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Non_Performing_Loan_Sales_Report___U_S__v3kpd5.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/241\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"ajaxPageState\":{\"libraries\":\"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA\",\"theme\":\"fhfa\",\"theme_token\":null},\"ajaxTrustedUrl\":{\"\\/reports\\/enterprise-non-performing-loan-sales-report\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nCar Storage, Driveway, Garage, Carport\nThe appraiser must indicate whether the\nsubject property has a driveway, garage,\nand/or carport, or has no car storage. If the\nsubject property has a driveway, garage,\nand/or carport, the appraiser must enter the\nnumber of spaces for each type of car\nstorage; if none, enter the numeral zero (0).\n\nReporting Format:\nCar Storage Types – Checkbox(es)\ndesignated with an ‘x’\n # of Cars - Numeric to 2 digits, whole\nnumbers only\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n*CAR STORAGE AND #\nCARS FIELDS ARE\nLOCATED IN UNIT\nDESCRIPTION\nSECTION\n\nFinished Area Above Grade Contains\n\n• 1004/70\n\nREQUIREMENT\n\nRooms\n\nThe appraiser must enter the total number of\nfinished rooms above grade.\n\nReporting Format:\n# of Rooms – Numeric to 2 digits, whole\nnumbers only\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n* FIELD IS LOCATED IN\nUNIT DESCRIPTION\nSECTION\n\nFinished Area Above Grade Contains\n\n• 1004/70\n\nREQUIREMENT\n\nBedrooms\n\nThis appraiser must enter the total number of\nbedrooms above grade.\n"} diff --git a/chunks/json/995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb.json b/chunks/json/995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb.json new file mode 100644 index 0000000000000000000000000000000000000000..3dd4ffad870cd0dfbbfeeac306c5375a2377f981 --- /dev/null +++ b/chunks/json/995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":465828,"char_start":464221,"chunk_id":"chk_5f60e2351e1f58c8","chunk_index":273,"chunk_sha256":"995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Primary\nOccupancy Type\n\nSpecifies the primary type of occupancy of\nthe Project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType\n='SecondHome']\n\nPROJECT\nINFORMATION\n\nProject Primary Occupancy\nTenant\n\nProject Primary\nOccupancy Type\n\nSpecifies the primary type of occupancy of\nthe Project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType\n='Tenant']\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nIs the developer/builder in\ncontrol of the Homeowners'\nAssociation (HOA)?\nYes\n\nIs the developer/builder in\ncontrol of the Homeowners'\nAssociation (HOA)?\nNo\n\nProject Developer\nControls Project\nManagement\nIndicator\n\nProject Developer\nControls Project\nManagement\nIndicator\n\nIndicates that developer is in control of\nthe project's management (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje\nctManagementIndicator=‘Y’]\n\nIndicates that developer is in control of\nthe project's management (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje\nctManagementIndicator=‘N’]\n\nPROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association\n\nProject\nManagement Type\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ho\nmeownersAssociation']\n\nPROJECT\nINFORMATION\n\nManagement Group\nDeveloper\n\nProject\nManagement Type\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Dev\neloper']\n\nPROJECT\nINFORMATION\n\nManagement Group\nManagement Agent\n\nProject\nManagement Type\n\nIdentifies type of management associated\nwith the project.\n"} diff --git a/chunks/json/995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4.json b/chunks/json/995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4.json new file mode 100644 index 0000000000000000000000000000000000000000..30bbe2db8fe980130802df0ce4ba7bf448797d62 --- /dev/null +++ b/chunks/json/995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":592529,"char_start":590838,"chunk_id":"chk_2d6d35fd7320d1e4","chunk_index":352,"chunk_sha256":"995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4","token_estimate":423,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Always required\n\nQ1 to Q6\n\nUnit Interior\n•\n\nInterior Quality\nRating 10.034\n\nNo\n\nThe Interior Quality Rating for the ADU provides support for the Overall\nQuality Rating. Adjustments are made in the Overall Quality Rating row.\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n\nAppendix F-1: URAR Reference Guide\n\nPage 259 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: ADU Interior Quality and Condition\n\nReport\nField ID\n\n22.10.03\n22.10.18\n\nKitchen\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.10.04\n22.10.19\n\nOverall\nBathrooms\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.10.05\n22.10.20\n\nOverall\nFlooring\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.10.06\n22.10.21\n\nWalls and\nCeiling\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nIf relevant, for\neach\nadditional\nfeature\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.10.08\n22.10.22\n\n[Other Interior\nFeature]\n22.10.07\nOther Interior\nFeature\nDescription\n10.044\npopulates\nfrom Unit\nInterior\n\nKitchen Quality\nSummary does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nOverall Bathrooms\nQuality Summary does\nnot populate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n"} diff --git a/chunks/json/996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319.json b/chunks/json/996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319.json new file mode 100644 index 0000000000000000000000000000000000000000..cc94ed3c9043d38ffbbbcf2700d25165320ff84b --- /dev/null +++ b/chunks/json/996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319.json @@ -0,0 +1 @@ +{"chunk":{"char_end":79473,"char_start":77587,"chunk_id":"chk_b55c0e5ce9fcb34c","chunk_index":43,"chunk_sha256":"996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319","token_estimate":472,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"Unless otherwise noted, comments\n\nregarding each of these applications\nmust be received at the Reserve Bank\nindicated or the offices of the Board of\nGovernors not later than August 9, 2010.\n\nA. Federal Reserve Bank of\n\nRichmond (A. Linwood Gill, III, Vice\nPresident) 701 East Byrd Street,\nRichmond, Virginia 23261–4528:\n\n1. CapGen Capital Group VI LLC, and\n\nCapGen Capital Group VI LP, both of\nNew York, New York; to become bank\nholding companies by acquiring up to\n49.9 percent of the voting shares of\nHampton Roads Bankshares, Inc., and\nBank of Hampton Roads, both of\nNorfolk, Virginia, and Shore Bank,\nOnley, Virginia.\n\nBoard of Governors of the Federal Reserve\n\nSystem, July 12, 2010.\nJennifer J. Johnson,\nSecretary of the Board.\n[FR Doc. 2010–17286 Filed 7–14–10; 8:45 am]\n\nBILLING CODE 6210–01–S\n\nFEDERAL TRADE COMMISSION\n\nGranting of Request for Early\nTermination of the Waiting Period\nUnder the Premerger Notification\nRules\n\nSection 7A of the Clayton Act, 15\nU.S.C. 18a, as added by Title II of the\nHart-Scott Rodino Antitrust\nImprovements Act of 1976, requires\npersons contemplating certain mergers\nor acquisitions to give the Federal Trade\nCommission and the Assistant Attorney\nGeneral advance notice and to wait\ndesignated periods before\nconsummation of such plans. Section\n7A(b)(2) of the Act permits the agencies,\nin individual cases, to terminate this\nwaiting period prior to its expiration\nand requires that notice of this action be\npublished in the Federal Register.\nThe following transactions were\n\ngranted early termination of the waiting\nperiod provided by law and the\npremerger notification rules. The grants\nwere made by the Federal Trade\nCommission and the Assistant Attorney\nGeneral for the Antitrust Division of the\nDepartment of Justice. Neither agency\nintends to take any action with respect\nto these proposed acquisitions during\nthe applicable waiting period.\n"} diff --git a/chunks/json/9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7.json b/chunks/json/9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7.json new file mode 100644 index 0000000000000000000000000000000000000000..b8712125fa0ffe04e6dfa1dbcfdd670d3955702b --- /dev/null +++ b/chunks/json/9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":77719,"char_start":76114,"chunk_id":"chk_152b569cb7049377","chunk_index":91,"chunk_sha256":"9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• “Site Features Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular\n\ntext).\n\nUtilities and Impact to Value/Marketability (H1)\n\nLeft-hand side of page\n\n•\n\n“Broadband Internet Available” sets as TXR-B, TXR .\n\nRight-hand side of page\n\n•\n\n“Dwelling/Improvement within Utility Easement” TXR-B, TXR .\n\nUtilities table\n\n• Column heads: Column 1 – none; “Public,” “Private,” “Detail,” “Private Utility Impact,”\n\n“Comment” set as TCH in 6 column table x 45 picas.\n\nAppendix E: Report Style Guide\n\nPage 39 of 90\n\nVersion 1.4\n\n• Column 1, 4, 5:\n\n7 picas wide (~28 characters max per line in each cell).\n\n• Column 2 and 3: 4 picas wide (~16 characters max per line in each cell).\n\n• Column 6:\n\n16 picas wide (~64 characters max per line in each cell).\n\n• Content sets as TB.\n\nUTILITIES TABLE\n\nApparent Defects, Damages, Deficiencies (Site) (H1)\n\nIf applicable per iGuide, set “None” as TXC.\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed below\nrepresent the As Is condition as of the effective date of this report”.\n\nSite DDD table\n\n• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\n\nIntegrity,” “Recommended Action” set as TCH in 5 column table x 45 picas.\n\n• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell).\n\n• Column 3:\n\n13 picas wide (~52 characters max per line in each cell).\n\n• Content sets as TB.\n\nDEFECTS, DAMAGES, DEFICIENCIES TABLE\n\nSite Valuation Methodology (H1)\n\nLeft-hand side of page\n\n•\n\n“Opinion of Site Value” sets as TXR-B, TXR.\n\nRight-hand side of page\n"} diff --git a/chunks/json/99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2.json b/chunks/json/99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2.json new file mode 100644 index 0000000000000000000000000000000000000000..c4be4e99be7f5001db7898be872d85ca92647289 --- /dev/null +++ b/chunks/json/99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":107501,"char_start":105746,"chunk_id":"chk_58bdc8b453e471cc","chunk_index":63,"chunk_sha256":"99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE\n/@HighestBestUseDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nThis field should be populated if field 1-97\n(Highest and Best indicator = 'N') is indicated.\n\n105\n\n1\n\n99\n\nSITE\n\nUtilities\nElectricity\nPublic\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified\nby Site Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Electricity']/@_Publ\nicIndicator\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nIf no electric service is present, indicate 'None' in the description field.\n\nIf utilities are present, at least one of fields 1-\n99, 1-100 (Site Utility Public Indicator = 'Y'\nor Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-101 (Site\nUtility Non Public Description).\n\nCR\n\nCR\n\nCR\n\nThis field should be populated if field 1-93\n(Site Zoning Compliance Type = 'NoZoning')\nis not indicated.\n\nThis field should be populated if field 1-93\n(Site Zoning Compliance Type = 'NoZoning')\nis not indicated.\n\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\n"} diff --git a/chunks/json/99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc.json b/chunks/json/99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc.json new file mode 100644 index 0000000000000000000000000000000000000000..922fbd1dc3ff1c5be826478c22b7a3bffaff6fc7 --- /dev/null +++ b/chunks/json/99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9236,"char_start":7083,"chunk_id":"chk_1217173369e873cf","chunk_index":4,"chunk_sha256":"99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_34892c2649958e0d","text_sha256":"99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc","token_estimate":536,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Stress_Tests_Reports___Fannie_Mae___Freddie_Mac____nj4oqd.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# Stress Tests Reports - Fannie Mae & Freddie Mac\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Stress Tests Reports - Fannie Mae & Freddie Mac\n\nFannie Mae and Freddie Mac (the “Enterprises”) are required to conduct annual stress tests pursuant to Federal Housing Finance Agency (FHFA) rule 12 CFR 1238, which implements section 165(i)(2) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”). Section 165(i)(2) of the Dodd-Frank Act, as amended by section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (“EGRRCPA”) requires certain financial companies with total consolidated assets of more than $250 billion, that are regulated by a primary federal financial regulatory agency, to conduct periodic stress tests to determine whether the companies have the capital necessary to absorb losses as a result of severely adverse economic conditions. These changes became effective on March 24, 2020.\n"} diff --git a/chunks/json/997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4.json b/chunks/json/997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4.json new file mode 100644 index 0000000000000000000000000000000000000000..72a6c6be21b74ffbd6477fe61030457e1fcdaa9d --- /dev/null +++ b/chunks/json/997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26766,"char_start":24762,"chunk_id":"chk_110cea42d899d7f3","chunk_index":7,"chunk_sha256":"997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4","token_estimate":501,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025\n\nAfter over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6.\n\nParticipating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs.\n\nLenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements.\n\nEven if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:***\n\n- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources.\n- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline).\n- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning.\n- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html).\n"} diff --git a/chunks/json/998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37.json b/chunks/json/998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37.json new file mode 100644 index 0000000000000000000000000000000000000000..6734ee32c4938ce62e40863cec4cd4799a47a29a --- /dev/null +++ b/chunks/json/998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9000,"char_start":7092,"chunk_id":"chk_72d9e5d55cbe36aa","chunk_index":4,"chunk_sha256":"998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37","token_estimate":475,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.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# Prepayment Monitoring Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Prepayment Monitoring Report\n\nFannie Mae and Freddie Mac began issuing the Uniform Mortgage-Backed Securities (UMBS) on June 3, 2019.\n\nThis quarterly report provides market participants additional transparency into a sample of the data FHFA receives and reviews on a monthly basis. The report focuses on alignment of prepayment rates, which continues to be important to the success of UMBS and to the efficiency and liquidity of the secondary mortgage market. Ex post monitoring of prepayment rates is part of a broader effort to assure investors that cash flows from UMBS will be similar regardless of which Enterprise is the issuer.\n"} diff --git a/chunks/json/9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58.json b/chunks/json/9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58.json new file mode 100644 index 0000000000000000000000000000000000000000..218cd9788a76e79bb1235aad0d54d61741d54d6c --- /dev/null +++ b/chunks/json/9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58.json @@ -0,0 +1 @@ +{"chunk":{"char_end":136800,"char_start":135187,"chunk_id":"chk_01edf69c959cf1fc","chunk_index":80,"chunk_sha256":"9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A value of 'Y' indicates that the box has been checked and a full basement\nexists, a value of 'N' indicates that the box has not been checked.\n\nBoolean\n\nNote: Foundation Type = 'Basement' indicates a full basement, as opposed to\na partial basement.\n\nBoolean\n\nA value of 'Y' indicates that the box has been checked and a partial basement\nexists, a value of 'N' indicates that the box has not been checked.\n\nNumeric\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate the square footage of the basement in\nnumeric format, whole numbers only. If there is no basement, a value of zero\n(0) must be entered.\nUAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate the percentage of the basement that is\nconsidered finished in whole percentage points (e.g. a value of 25 indicates\n25%). If there is no basement, a value of zero (0) must be entered.\n\nBoolean\n\nA value of 'Y' indicates that an outside entry/exit exists, a value of 'N' indicates\nthat the box has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that a sump pump exists, a value of 'N' indicates that\nthe box has not been checked.\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 42 of 211\n\nDocument Version 1.4\n\nSort ID\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 Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n"} diff --git a/chunks/json/99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0.json b/chunks/json/99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0.json new file mode 100644 index 0000000000000000000000000000000000000000..9ec09b426e9bd03cff23f7cae3d92eea204d6181 --- /dev/null +++ b/chunks/json/99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6594,"char_start":4948,"chunk_id":"chk_1e1e99603ee832b5","chunk_index":3,"chunk_sha256":"99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_46b708b5eb80d6e1","text_sha256":"99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0","token_estimate":412,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2017.pdf"]},"text":"Geographically Targeted Indicator indicating whether the property is in census tracts\nannually classified as underserved by HUD\n1=yes;\n2=no\n\nInterest Rate\nLoan Amount in Whole Dollars\nFront-end Ratio\nBack-end Ratio\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700\n< 760, 5 = 760 or greater 9=missing\n\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700\n< 760, 5 = 760 or greater, 9 = missing or no co-borrower\n\nPercent of the original loan balance covered by primary mortgage insurance (PMI)\n0=no PMI\n\nSelf-Employed Indicator\n1=yes;\n2=no\nProperty Type\nPT01=Single family detached;\nPT02=Deminimus PUD;\nPT03=Single Family Attached;\nPT04=Two family;\nPT05=Townhouse;\nPT06=Low-Rise Condominium;\nPT07=PUD;\nPT08=Duplex;\nPT09=three family;\nPT10=Four family;\nPT11=Hi-Rise condominium;\nPT12=Manufactured Home\n\nARM Index\n01=11th District Cost of Funds;\n02=Other Cost of Funds Index;\n03=LIBOR;\n04=1 year Constant Treasury Rate\n99=Not an ARM\n\nARM Margin\n99999=Not an ARM\n\nPrepayment Penalty Date\n12/31/9999=No Prepayment Penalty Date\n\nPage 3 of 5\n\nColumn\n\n67 BoEth\n\n68 Race2\n\n69 Race3\n\n70 Race4\n\n71 Race5\n\n72 CoEth\n\n73 CoRace2\n\n74 CoRace3\n\nAMA_PUDB_definitions_2016\n\nDefinition\nBorrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n"} diff --git a/chunks/json/999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990.json b/chunks/json/999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990.json new file mode 100644 index 0000000000000000000000000000000000000000..1949e8e7cdf4d06cc6c26679fabfc7d862e3e34f --- /dev/null +++ b/chunks/json/999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990.json @@ -0,0 +1 @@ +{"chunk":{"char_end":862115,"char_start":860318,"chunk_id":"chk_25e771e1e275fb2c","chunk_index":512,"chunk_sha256":"999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990","token_estimate":450,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Report Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\nSALES\nCOMPARISON\nAPPROACH\n\nNumber of Comparable Listings\n\nComparable Listings\nResearched Count\n\nSpecifies the total number of comparable\nproperty listings researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/@ComparableListingsResearchedCount\n\n50\n\n50\n\n50\n\n50\n\n5\n\nString\n\nString\n\nString\n\nString\n\nNumeric\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n"} diff --git a/chunks/json/99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c.json b/chunks/json/99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c.json new file mode 100644 index 0000000000000000000000000000000000000000..57d1ced5a8cd3f475ba7e3e95654a844933a2ba0 --- /dev/null +++ b/chunks/json/99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":121675,"char_start":120063,"chunk_id":"chk_18c7b01d137707d5","chunk_index":64,"chunk_sha256":"99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"8.8.5 $315.90 8.8.6\n\n8.9\n\n8.9.1\n\n8.9.2\n\n8.9.3\n\n8.9.4\n\n8.9.5\n\n8.9.6\n\nThe following UCD v2.0 Spec Excerpt provides three examples of prepaid line items: 1) Non-tax, non-interest item, 2)\n\ninterest, and 3) tax.\n\nTable 29. UCD v2.0 Spec Excerpt-Three Prepaid Item Examples and Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n1. Non-interest, non-tax line item\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLO\nSING_INFORMATION/PREPAID_ITEMS/PREPAID_ITEM/PREPAID_ITEM_DETAIL\n\n8.257\n\nFeePaidToType\n\nOther\n\n8.827\n\nFeePaidToTypeOtherDescription\n\nLenderAffiliate\n\n8.244\n\nIntegratedDisclosureSectionType\n\nPrepaids\n\n8.014\n\nPrepaidItemMonthsPaidCount\n\n12\n\n8.012\n\nPrepaidItemType\n\nHomeownersInsuranc\nePremium\n\n8.256\n\nRegulationZPointsAndFeesIndicator\n\ntrue\n\n8.019\n\nFullName\n\nInsurance Co.\n\nProvide the name of the entity to which the item is\nbeing prepaid.\n\n8.255\n\nPrepaidItemActualPaymentAmount\n\n1209.96\n\nThe value can be negative.\n\n8.253\n\nPrepaidItemPaymentPaidByType\n\nBuyer\n\n8.254\n\nPrepaidItemPaymentTimingType\n\nBeforeClosing\n\n2. Prepaid interest line item—instead of months count, paid from and thru dates and per diem amount. No payee name\nnecessary.\n\n…/PREPAID_ITEM/PREPAID_ITEM_DETAIL\n\nUCD v2.0 Implementation Guide\n\n- 50 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 29. UCD v2.0 Spec Excerpt-Three Prepaid Item Examples and Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n8.257\n\nFeePaidToType\n\nLender\n\n8.244\n\nIntegratedDisclosureSectionType\n"} diff --git a/chunks/json/99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d.json b/chunks/json/99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d.json new file mode 100644 index 0000000000000000000000000000000000000000..8f0df4b8f4f6dd6213bbde31523310c0cff48ffd --- /dev/null +++ b/chunks/json/99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1718,"char_start":0,"chunk_id":"chk_6cb991aec9b28c3f","chunk_index":0,"chunk_sha256":"99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/nmdb\"\ndate_accessed: \"2026-01-27T17:47:59.854Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1.json b/chunks/json/99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1.json new file mode 100644 index 0000000000000000000000000000000000000000..fab41319d2ca19c47dd70300efc714286590aafe --- /dev/null +++ b/chunks/json/99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":506547,"char_start":504871,"chunk_id":"chk_35c0e92058ad4934","chunk_index":300,"chunk_sha256":"99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When the features for the subject and comparable sale(s) are the same and no adjustment is warranted, leave the field blank - do not enter or\ndefault to zero.\n\nAppendix F-1: URAR Reference Guide\n\nPage 218 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nGeneral Information\n\nThe General Information subsection always displays on the sales comparison grid.\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: General Information\n\n22.01.16\n\nComparable # Always\n\nAlways required\n\n1, 2, 3 …\n\nSales Comparable # is\nonly applicable to\ncomparables\n\nNo\n\nSales Comparable #\n\nAppendix F-1: URAR Reference Guide\n\nPage 219 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: General Information\n\n22.01.01\n22.01.17\n\nProperty\nAddress\n\nAlways\n\nAlways required\n\nSubject Property\n•\n\nProperty Address\n3.000\n\nFree-form, in\nformat that\nconforms to\naddress standards\nin USPS\nPublication 28,\nPostal Addressing\nStandards\n\nSee\nIGuide\n\nProperty\nAddress\n\nAlways\n\nAlways required\n\nPhoto\n\nN/A\n\nAlways required\n\nNumber\n\nNot on\nReport\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\n22.01.18 Data Source\n\nAlways\n\nAlways required\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674.json b/chunks/json/99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674.json new file mode 100644 index 0000000000000000000000000000000000000000..d873e5b67787753bad6537cadb25b8aa83a67556 --- /dev/null +++ b/chunks/json/99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674.json @@ -0,0 +1 @@ +{"chunk":{"char_end":208432,"char_start":206735,"chunk_id":"chk_e9ab8bd333d317ce","chunk_index":202,"chunk_sha256":"99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674","token_estimate":424,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"6.011\n\nGreen/Energy Efficiency Rating Organization\n\n2600.0013\n\nEfficiencyRatingOrganizationName\n\n• When “true”, do not display the report label, display table.\n• When “false” AND\n\n(“RenewableEnergyComponentExistsIndicator” AND/OR\n”EfficiencyRatingExistsIndicator” = “true”), display None.\n\n• When “false” AND\n\n(”RenewableEnergyComponentExistsIndicator” AND\n”EfficiencyRatingExistsIndicator” = “false”), Energy Efficient\nand Green Features section does not display.\n\nDisplay when GreenCertificationExistsIndicator = “true”\n\nDisplay when GreenCertificationExistsIndicator = “true”\nAND Exists\n\n• When “true”, do not display report label, display table.\n• When “false” AND\n\n(“RenewableEnergyComponentExistsIndicator” AND/OR\n“GreenCertificationExistsIndicator” = “true”), display None.\n\n• When “false” AND\n\n(”RenewableEnergyComponentExistsIndicator” AND\n“GreenCertificationExistsIndicator” = “false”), Energy\nEfficient and Green Features section does not display.\n\n6.012\n\nRating\n\n6.013\n\nScore\n\nExample\n\n2600.0012\n\nEfficiencyRatingName\n\nDisplay when EfficiencyRatingExistsIndicator = “true”\n\n2600.0014\n\nEfficiencyRatingScoreValue\n\nIn Figure 6 - 4, there are two indicators that are “false” and one that is “true”. The section displays, but the “false” values display “None”\nwhile the “true” value provides additional data in a table.\n\nKnown Renewable Energy Components - RenewableEnergyComponentExistsIndicator (UID: 2600.0005, FID: 6.000) = “false”\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nKnown Building Certifications - GreenCertificationExistsIndicator (UID: 2600.0004, FID: 6.004) = “false”\n\nKnown Efficiency Ratings - EfficiencyRatingExistsIndicator (UID: 2600.0003, FID: 6.010) = “true”\n"} diff --git a/chunks/json/99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231.json b/chunks/json/99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231.json new file mode 100644 index 0000000000000000000000000000000000000000..b21fa439ef79e8a965efab0fa88a57d72f97614d --- /dev/null +++ b/chunks/json/99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48035,"char_start":46389,"chunk_id":"chk_a5c88c6163ac40ca","chunk_index":27,"chunk_sha256":"99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231","token_estimate":411,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Number of units (unadjusted for REMIC\nweights and participations) of this unit type.\nFractional units may occur when affordability\nis estimated as described in 12 CFR\n1282.15(e)\n\nMF NFU\n\n36\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nNational File Unit Class Level\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n5\n\ntype_afford_cat\n\nUnit Type XX-Affordability\nLevel\n\n1 = >=0, <=50%\n2 = >50, <=60%\n3 = >60, <=80%\n4 = >80, <=100%\n5 = >100%\n9 = Not available\n1 = Yes\n0 = No or not provided\n\nCode = 1 identifies units for which the rent is\nin the “extremely low” and “very low income”\nranges; codes = 2 and 3 “low income”; code =\n4, “moderate income”; and code = 5, above\narea median income.\n\nCode = 1 identifies units where the Enterprise\nindicated that the affordability level (field #13)\nwas determined based on tenant income\ninformation. If the Enterprise did not so\nindicate, field 14 is coded 0.\n\nEnd of MF NFU\n\n6\n\n1\n\ntype_tenant_inc_basis\n\nUnit Type XX-Tenant\nIncome Indicator\n\nMF NFU\n\n37\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n1\n\n2\n\n3\n\n8\n\n2\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\nrecord_num_mf_ctf\n\nRecord Number\n\nstate_fips\n\nUS Postal State Code\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\nSee the STATE/COUNTY file for a list of\nState codes and names.\n00 = Missing\n"} diff --git a/chunks/json/99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021.json b/chunks/json/99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021.json new file mode 100644 index 0000000000000000000000000000000000000000..4da7d9bc75d84563874918869ea3629ab34ea331 --- /dev/null +++ b/chunks/json/99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1759,"char_start":0,"chunk_id":"chk_929c3b373ba429f4","chunk_index":0,"chunk_sha256":"99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021","token_estimate":440,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 12.0\n\nNov. 20, 2024\n\nDuring the weekend of Jan. 11, 2025, Fannie Mae will implement Desktop Underwriter® (DU®) Version 12.0, which will include the\nchanges described below.\n\nThe changes in this release will apply to new loan casefiles submitted to DU on or after the weekend of Jan. 11, 2025. Loan\ncasefiles created in DU Version 11.1 and resubmitted after the weekend of Jan. 11 will continue to be underwritten through DU\nVersion 11.1.\n\nThe changes in this release include the following updates:\n\n▪ DU Risk and Eligibility Assessment\n▪ Significant Derogatory Credit Event Treatment\n▪ Loans for Borrowers without Credit Scores\n▪ Cash Flow Assessment\n▪ Rent Payment Identification\n▪ Mission Index Information\n▪ Value Acceptance LTV Ratio\n▪ Updates to Align with the Selling Guide\n▪ Retirement of DU Version 11.0\n\nDU Risk and Eligibility Assessment Update\n\nAs part of normal business operations and prudent risk management, we regularly review and update the DU risk assessment\nbased on the latest market conditions and loan performance data. These updates are intended to ensure mortgages are safe and\nsustainable both for homeowners and for Fannie Mae; and enable us to continue to provide a steady and stable source of\nmortgage financing.\n\nWith the release of DU V. 12.0:\n▪ We deliver meaningful improvements in DU’s ability to analyze mortgage delinquency risk through a comprehensive\n\nexamination of the risk factors from the loan application and the credit risk factors from a borrower’s credit report.\n\n▪ We extend the benefits of positive rent payment history and cash flow assessment to more borrowers.\n▪ We expand our ability to evaluate borrowers with thin credit and no credit scores.\n"} diff --git a/chunks/json/99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2.json b/chunks/json/99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2.json new file mode 100644 index 0000000000000000000000000000000000000000..552a49f0fa654e03ddb15d61fd5903b4400a716e --- /dev/null +++ b/chunks/json/99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1695,"char_start":0,"chunk_id":"chk_df94f704b34ad596","chunk_index":0,"chunk_sha256":"99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_72d8400e8c8a1b38","text_sha256":"99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2","token_estimate":424,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucdp-change-notification-april-9-2020.pdf"]},"text":"UCDP Appraisal Messaging Change Notification for Temporary\nCOVID-19 Flexible Appraisal Requirements\n\nFannie Mae will be adding three new proprietary appraisal messages that will be displayed in the Uniform Collateral Data\nPortal® (UCDP®), effective April 18, to support the temporary appraisal requirement flexibilities published by Fannie Mae\ndue to COVID-19.\n\nApril 9, 2020\n\nNew Fannie Mae Appraisal Message\n\nID\n\nMessage Text\n\nFNM0394 DATA CONFIRMATION: Based on the data submitted, the\nappraiser completed a traditional full appraisal including an\ninterior and exterior inspection of the property. If this is accurate,\nno further action is required. If the appraisal was performed\nusing the temporary appraisal requirement flexibilities published\nby Fannie Mae due to COVID-19, the Map Reference must be\npopulated with “exterior” or “desktop” to correspond with the\ntype of appraisal completed.\n\nSeverity\nWarning\n\nApplicable Forms\n1004, 1073, 2090,\n1025, 1004c\n\nFNM0395 The Map Reference appears to be incorrect. Exterior appraisals\n\nWarning\n\n2055, 1075, 2095\n\non forms 2055, 1075 or 2095, performed using the temporary\nappraisal requirement flexibilities published by Fannie Mae due\nto COVID-19, should be identified only with a Map Reference of\n“exterior.”\n\nFNM0396 The Map Reference appears to be incorrect. Desktop appraisals\n\nWarning\n\n1004, 1073, 2090\n\non forms 1004, 1073 or 2090, performed using the temporary\nappraisal requirement flexibilities published by Fannie Mae due\nto COVID-19, should be identified only with a Map Reference of\n“desktop.”\n\nFor More Information\n\nThe UCDP User Guide for Fannie Mae Messaging will be updated on April 20, 2020 reflect the new messages. Visit the\n"} diff --git a/chunks/json/99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571.json b/chunks/json/99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571.json new file mode 100644 index 0000000000000000000000000000000000000000..30d123d96cf71f392846826c64f46173ea0c42d0 --- /dev/null +++ b/chunks/json/99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571.json @@ -0,0 +1 @@ +{"chunk":{"char_end":579450,"char_start":577833,"chunk_id":"chk_083d5ecd7d71ae94","chunk_index":344,"chunk_sha256":"99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nYes | No\n\nDwelling Exterior\n•\nFoundation\nCondition Status\n8.031\n\nDwelling Exterior\n•\n\nRoof Observable\n8.033\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nFree-form\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDwelling Exterior\n•\n\nRoof Condition\nStatus 8.035\n\nDwelling Exterior\n• Windows\n\nCondition Status\n8.039\n\nDwelling Exterior\n•\n\nExterior Feature\nOther Description\n8.041 (Report\nLabel)\nOther Exterior\nFeature Condition\nStatus 8.044\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 254 of 375\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nRoof Observable\n•\nYes\n•\nNo (the person performing the inspection was unable to make an\ninformed determination on the condition status of the roof, and\n“(Unobservable)” displays)\n\n•\n•\n•\n•\n\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nIf needed to support the condition rating, additional rows may be\nincluded for any features not predefined that were added to the Exterior\nFeatures table in the Dwelling Exterior section.\n\nExample: Other Exterior Feature Example in Dwelling Exterior and Sales\nComparison Approach\n\nOther Exterior Feature Condition Status\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n"} diff --git a/chunks/json/99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed.json b/chunks/json/99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed.json new file mode 100644 index 0000000000000000000000000000000000000000..7add8c269c7b66224e1235ee8be6f0d8e15363c2 --- /dev/null +++ b/chunks/json/99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69586,"char_start":67876,"chunk_id":"chk_ad60e3e117caee2d","chunk_index":40,"chunk_sha256":"99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Zoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraiser Reference ID 8238420Client Reference ID 2381034AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242-to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 2 of 26\nPage 2 of 26\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\nAMC Fee\n\n$0\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nABCD1234\nTX\n12/31/2024\n\nCertified Residential\n1234ABCD\nTX\n12/31/2024\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nDwellings Containing Units\nSpecial Tax Assessments\n\nDetached\n4\n0\n1\nNo\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\n\nRefinance\nJohn Seller\nJohn Seller\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nBig Bank of Texas\n712 Tex Bank Dr\nAnyplace, TX 01234\n\nIDK Appraisal Management\nCompany\n1515 Ranch St\nAnyplace, TX 01234\n\nJohn P. Appraiser\nXYZ Appraisal Company\n1621 Cattle Drive Ln\nAnyplace, TX 01234\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n05/01/2023\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n171 Cowboy Ln\nAnyplace, TX 01234\nCowboy\nBighorn Ranch\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n"} diff --git a/chunks/json/9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575.json b/chunks/json/9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575.json new file mode 100644 index 0000000000000000000000000000000000000000..3a9f9f45400a18cb3f096768e2ce8d38814f6cb9 --- /dev/null +++ b/chunks/json/9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69765,"char_start":68152,"chunk_id":"chk_04f86955088ebae4","chunk_index":37,"chunk_sha256":"9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"STEP 4: Continue moving right and then down through the child containers of\n\nDEAL_SET through the last container shown (POOL_DETAIL). Since there\nare no more DEAL_SET child containers, you are ready to move back to\nthe branch at DEAL_SETS and tackle the next set of child containers of\nDEAL_SETS (PARTIES).\n\nSTEP 5: Continue moving right to ROLES, then up the branch to the topmost child\n\ncontainer of ROLES (PARTY_ROLE_IDENTIFIER). Since there are no more\ncontainers to the right, move back to the branch at ROLES and down to\nthe last container shown (ROLE).\n\nNotes: Use this technique to move through any graphical representation of an\n\nXML schema document to read it in schema order.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 27 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV -2, Cont’d. High-Level View of and Navigation through ULDDS containers.\n\n1\n\n1\n\nABOUT_\nVERSIONS\n\nABOUT_\nVERSION\n\n2\n\nASSETS\n\n2\n\n2\n\n2\n\nASSET\n\n1\n\nMESSAGE\n\n1\n\n2\n\nDEAL_SET\n\n4\n\n2\n\n2\n\nDEAL_\nSETS\n\nDEALS\n\nDEAL\n\nCOLLATERALS\n\nCOLLAERAL\n\nPROPERTIES\n\nPROPERTY\n\n3\n\nLOANS\n\n3\n\nCOMBINED_\nLTV\n\nCOMBINED_\nLTVS\n\nLOAN\n\nPARTIES\n\nPARTY\n\nROLES\n\nPARTY_ROLE_\nIDENTIFIERS\n\nROLE\n\n3\n\nINVESTOR_\nFEATURES\n\nINVESTOR_\nFEATURE\n\n4\n\nPARTIES\n\nPARTY\n\nROLES\n\n4\n\nPOOL\n\nPOOL_\nDETAIL\n\nPARTY_ROLE_\nIDENTIFIERS\n\nROLE\n\nPARTIES\n\nPARTY\n\nROLES\n\n5\n\n5\n\nPARTY_ROLE_\nIDENTIFIERS\n\nROLE\n\nEach container illustrated in Example IV-2 is described below. A description of how\ncontainers are named and structured is provided in Section III-B-1. Container.\n"} diff --git a/chunks/json/9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f.json b/chunks/json/9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f.json new file mode 100644 index 0000000000000000000000000000000000000000..e4085d68a5b77747a6c7a518edf1420ca0b89fbb --- /dev/null +++ b/chunks/json/9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":583480,"char_start":581843,"chunk_id":"chk_b815b39a99eaf278","chunk_index":344,"chunk_sha256":"9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Numeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished bathrooms in the basement.\n\nThis field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\nThis field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\nNumeric\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nn.n\n\nThis field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of other finished rooms in the basement.\n\nNumeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis is a free text field which should describe the functional utility.\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis is a free text field which must describe any energy efficient items.\nIf none, the appraiser must indicate 'None'.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n"} diff --git a/chunks/json/9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2.json b/chunks/json/9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2.json new file mode 100644 index 0000000000000000000000000000000000000000..40ceb299d7cf0f190887b62b9d3a3cbf97f99ef3 --- /dev/null +++ b/chunks/json/9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":940258,"char_start":938628,"chunk_id":"chk_30cb804095388039","chunk_index":559,"chunk_sha256":"9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nR\n\nR\n\nCR\n\nR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 161 of 211\n\nDocument Version 1.4\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n430\n\n431\n\n3\n\n3\n\n92\n\n93\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nGross Living Area Sq.Ft.\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='GrossLivingArea']/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nGross Living Area Sq.Ft. Adjustment\n\nSale Price\nAdjustment Amount\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='GrossLivingArea']/@_Amount\n\n432\n\n3\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(Line 1)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n\nThe total area of the property\nimprovements below grade.\n\n433\n\n3\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(Line 1)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n"} diff --git a/chunks/json/9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9.json b/chunks/json/9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9.json new file mode 100644 index 0000000000000000000000000000000000000000..b1264fe8e9c9db55b0662f1cdf1b6496b983532d --- /dev/null +++ b/chunks/json/9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56731,"char_start":54977,"chunk_id":"chk_b1bb3c9b84c567e6","chunk_index":33,"chunk_sha256":"9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Page 30 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\ndescribe the efforts undertaken to obtain the\ninformation.\n\nKitchen(s) and Bathroom(s) – Level of Work\nCompleted and Timeframes – The appraiser\nmust identify any work completed in the\nkitchen(s) and bathroom(s) along with the\ntimeframes in which the work was completed.\nThe appraiser must select one of the values\nfrom the lists below for both the kitchen(s) and\nthe bathroom(s).\n\nLevel of Work Completed:\nnot updated\nupdated\nremodeled\nDefinitions for the Level of Work Completed\nare provided in Exhibit 2: Requirements –\nDefinitions of Not Updated, Updated, and\nRemodeled.\n\nTimeframes:\nless than one year ago\none to five years ago\nsix to ten years ago\neleven to fifteen years ago\ntimeframe unknown\n\nTimeframes represent the time period in which\nthe majority of the improvements were\ncompleted.\n\nDescriptions or Comments – The appraiser\nmust provide a description of the condition of\nthe improvements to the subject property.\n\nNote, the UAD does not limit the information\nthat an appraiser may provide about the\ncondition of a property, including any updating\nor remodeling. An appraiser can and must\nprovide any additional information required to\ncommunicate an appraisal in a manner that is\nmeaningful and not misleading, including\nproviding sufficient information to enable the\nclient and any other intended user(s) to\nunderstand the appraiser’s conclusions\nregarding the property condition and any\nupdates or remodeling.\n"} diff --git a/chunks/json/9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56.json b/chunks/json/9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56.json new file mode 100644 index 0000000000000000000000000000000000000000..a561fda79180d07dfff1a43b51b36da690384f30 --- /dev/null +++ b/chunks/json/9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18923,"char_start":17321,"chunk_id":"chk_3e7036a634af175d","chunk_index":10,"chunk_sha256":"9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56","token_estimate":401,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, etc.) that he or she became aware of during the research involved in\nperforming this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or\nunapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs,\ndeterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make\nthe property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties,\nexpress or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or\ntesting that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field\nof environmental hazards, this appraisal report must not be considered as an environmental assessment of the property.\n\n6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to\nsatisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject\nproperty will be performed in a professional manner.\n\nFreddie Mac Form 465D April 2022\n\nPage 4 of 6\n\nFannie Mae Form1073 Desktop April 2022\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\nFile #\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n"} diff --git a/chunks/json/9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913.json b/chunks/json/9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913.json new file mode 100644 index 0000000000000000000000000000000000000000..afb4d1d1ddc930baff69ff85afbfd42ec648d2eb --- /dev/null +++ b/chunks/json/9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1772,"char_start":0,"chunk_id":"chk_cef4c4ad42333ac7","chunk_index":0,"chunk_sha256":"9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913","token_estimate":443,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix E-1: Report Style Guide Supplement – URAR with Codes\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Report Section\n\nChange # Revision Description\n\n6/10/2025\n\n1.3\n\nOutbuilding\n\n2025-055\n\nUpdated display of Heating and Cooling checkboxes in\nOutbuilding section to align with Style Guide\n\nFooter\n\n2024-028 Updated date in Footer to September 2024\n\n9/17/2024\n\n1.2\n\nMarket\n\n2024-024 Deleted Property Value Trend\n\nRevision History\n\n2024-043 Added the Reconsideration of Value subsection\n\nFooter\n\n2023-061 Updated date in Footer to December 2023\n\n2023-001 Removed the “Under Review” watermark\n\n12/12/2023\n\n1.1\n\nMarket\n\n2023-031\n\nCertifications and\nScope of Work\n\n2023-003\n\nDeleted Subject Conforms to Surrounding Area, Reason, and\nDescription fields\nChanged report label to Market Area Boundary\nUpdated predefined text for Appraiser Certifications 18, 24,\nand 25, and all Supervisory Appraiser Certifications\nClarified that Contact Name(s) displays for Appraiser\nCertification 21\n\n3/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThe Report Style Guide Supplements are a visual guide to the Report Style Guide.\n\nEach section of the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and\nCompletion Report is provided with codes in the Report Style Guide. Codes are the specific type face, placement,\nand visual treatment that must be applied for each component within the sections.\n"} diff --git a/chunks/json/9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b.json b/chunks/json/9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b.json new file mode 100644 index 0000000000000000000000000000000000000000..7abfef051eb1574d07c032da43f6558aff81fec7 --- /dev/null +++ b/chunks/json/9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":401987,"char_start":400102,"chunk_id":"chk_c35e2fd5947608fb","chunk_index":225,"chunk_sha256":"9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b","token_estimate":471,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":" do not have a negative amortization feature.\n\n17.5 Partial Paymen ts\n\nYour lender\n may accept payments that are less than the full amount due\n\n(partial payments) and apply them to your loan.\n\n may hold them in a separate account until you pay the rest of the\n\npayment, and then apply the full payment to your loan.\n\n does not accept any partial payments.\n\nIf this loan is sold, your new lender may have a different policy.\n\n17.6 Security Interest\nYou are granting a security interest in\n456 Somewhere Ave, Anytown, ST 12345\nYou may lose this property if you do not make your payments or\nsatisfy other obligations for this loan.\n\nAppendix E: UCD Implementation Guide\n\nPage 187 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n17.0 Loan Disclosures\n\nFigure 109. Loan Disclosures\n\n17. 1 ASSUMPTI ON\n\nAssumption describes whether a subsequent purchaser may be permitted to assume the remaining loan\nobligation.\n\n17. 2 DEMAND FEATURE\n\nDemand Feature indicates whether the legal obligation permits the lender to demand early repayment of the\nloan and, if so, requires inclusion of a statement that the borrower(s) should review the loan document for more\ndetails.\n\n17. 3 LATE PAYMENT\n\nLate Payment describes the charge that may be imposed for a late payment, stated as either a dollar amount or\na percentage charge of the late payment amount or both, along with the number of days from the due date\nafter which a late payment fee will be assessed. The example in the preceding figure shows a case where both a\ndollar and percentage late payment fee are disclosed.\n\n17. 4 NEGATI VE AMORTI ZATION\n\nNegative Amortization details whether the regular periodic payment may cause the principal balance to\nincrease. The Regulation requires disclosure of whether the loan has a negative amortization feature, and if so, a\ndescription of whether the negative amortization is scheduled or potential.\n"} diff --git a/chunks/json/9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f.json b/chunks/json/9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f.json new file mode 100644 index 0000000000000000000000000000000000000000..b181e11ad45d63580a42b2d8f4d9f783b19e98dc --- /dev/null +++ b/chunks/json/9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":449890,"char_start":448283,"chunk_id":"chk_1b806694a9ea7eef","chunk_index":251,"chunk_sha256":"9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If any subordinate lien that was not used to acquire the subject property is to be paid off with first mortgage proceeds,\nthe loan is ineligible as a limited cash-out refinance. The loan must be resubmitted as a cash-out refinance.\n\nIf subordinate liens are being paid off with the first mortgage proceeds, obtain written documentation that the\nsubordinate lien was used to acquire the subject property.\n\nFannie Mae will grant the lender the limited waiver of underwriting representations and warranties for these loans, including\nthose mortgages that receive an Approve/Ineligible recommendation, provided the loan meets the requirements contained in\nthis section as well as those contained in Selling Guide A2-2-04, Limited Waiver and Enforcement Relief of Representations and\nWarranties.\n\nAppraisal Requirements\n\nThe appraisal for the property must follow standard requirements contained in Selling Guide Chapter B4–1, Property Assessment\nand Valuation.\n\nThose guidelines allow an appraisal to be based on the “as is” condition of the property provided there are no conditions that\naffect the soundness or structural integrity of the property. If those conditions do exist, the property must be appraised subject to\ncompletion of the specific repairs and a Completion Report must be obtained prior to sale of the loan to Fannie Mae.\n\nDelivery\n\nLoans originated in accordance with this section must be delivered to Fannie Mae no later than two years from the date of the\ndisaster declaration by FEMA.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 183 of 166\n\nUAD 3.6 Policy\n\nSpecial Feature Codes\n"} diff --git a/chunks/json/9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7.json b/chunks/json/9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7.json new file mode 100644 index 0000000000000000000000000000000000000000..ecbf3c63861876edd46d6469ea81f677a9dcf60c --- /dev/null +++ b/chunks/json/9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":304138,"char_start":302539,"chunk_id":"chk_e072c62e878df0ee","chunk_index":179,"chunk_sha256":"9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Physical Measurement\nPlans and Specifications\nPrevious Appraisal File\nProperty Data Report\nProperty Management Company\nProperty Owner\nProperty Tenant\nReal Estate Agent\nThree-Dimensional Scan\nOther (Describe)\n\nSuperior, Similar,\nor Inferior\n\nThe below grade area’s quality of finish compared to the above grade living\narea.\n\n10.010 Below Grade\n\nFinish Compared\nto Above\n\nRequired when there\nis Below Grade\nFinished Area or Below\nGrade Finished Area\n(Nonstandard)\n\nAccessory Dwelling Units\n\nAn accessory dwelling unit (ADU) is an additional living area that includes a kitchen, full bathroom, and sleeping\narea. Reference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance as to whether the unit is considered an ADU. Information about the ADUs is\ncaptured in the same way as any other unit. The Unit Interior section repeats for each living unit or ADU that is\nin a dwelling or outbuilding.\n\nIf there are no ADUs on the subject property (Number of ADUs on Subject Property (3.006) is zero), the ADU\nsubsection does not display.\n\nFor additional commentary about the ADU, such as information not captured in the discrete data or additional\ndetails to support the discrete data that is provided, use Unit Interior Commentary (10.061).\n\nAppendix F-1: URAR Reference Guide\n\nPage 127 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior: ADU Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n10.011 ADU\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb.json b/chunks/json/9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb.json new file mode 100644 index 0000000000000000000000000000000000000000..2774d1b9e6ee3deecb3ef5b4eff766c9e273e9f1 --- /dev/null +++ b/chunks/json/9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1615,"char_start":0,"chunk_id":"chk_b5f2151c92f3f9e0","chunk_index":0,"chunk_sha256":"9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb","token_estimate":404,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nAppendix E‐2:\nReport Style Guide Supplement – Restricted Appraisal Update Report with Codes\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion #  Report Section\n\nChange #\n\nRevision Description\n\n9/17/2024\n\n1.2\n\nFooter\n\n2024‐028\n\nUpdated date in Footer to September 2024\n\nFooter\n\n2023‐061\n\nUpdated date in Footer to December 2023\n\n12/12/2023\n\n1.1\n\nCertifications and\nScope of Work\n\n2023‐003\n\nUpdated predefined text for Scope of Work, Appraiser Certifications 18, 24, and 25, and all\nSupervisory Appraiser Certifications\nClarified that Contact Name(s) displays for Appraiser Certification 21\n\n3/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThe Report Style Guide Supplement is a visual guide to the Report Style Guide.\n\nEach section of the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and\nCompletion Report is provided with codes in the Report Style Guide. Codes are the specific type face, placement,\nand visual treatment that must be applied for each component within the sections.\n\nAppendix E Supplements are as follows:\n\n\n\n\n\n\n\nReport Style Guide Supplement – URAR with Codes\n\nReport Style Guide Supplement – Restricted Appraisal Update Report with Codes\n\nReport Style Guide Supplement – Completion Report with Codes\n"} diff --git a/chunks/json/9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb.json b/chunks/json/9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb.json new file mode 100644 index 0000000000000000000000000000000000000000..335a964cda4c89a7a2310ae75a00d00386cc9bc1 --- /dev/null +++ b/chunks/json/9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1204855,"char_start":1203818,"chunk_id":"chk_c5b993ab4a2b472c","chunk_index":716,"chunk_sha256":"9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-88 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nThe sum of this field 2-90 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nThe sum of this field 2-92 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n"} diff --git a/chunks/json/9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9.json b/chunks/json/9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9.json new file mode 100644 index 0000000000000000000000000000000000000000..2cf760553a9350e3630703439ffac6a64e0bb66c --- /dev/null +++ b/chunks/json/9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":123588,"char_start":121906,"chunk_id":"chk_f9d5cb45c5b4758d","chunk_index":69,"chunk_sha256":"9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• development of or reporting an appraisal in a manner that is inconsistent with the requirements of the Uniform\n\nStandards of Professional Appraisal Practice (USPAP).\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 51 of 166\n\nUAD 3.6 Policy\n\nSB4-1.1-05, Disclosure of Information to Appraisers (06/04/2025)\n\nIntroduction\n\nThis topic contains information on lender disclosure of information to appraisers, including:\n\n• Overview\n•\n•\n• Contract Changes After the Appraisal is Completed\n\nSales Contract Information\nInformation Disclosed to the Appraiser\n\nOverview\n\nAll information about the subject property the lender is aware of must be disclosed to the appraiser and the details provided must\ncomply with SB4-1.1-04, Unacceptable Appraisal Practices. The appraiser must determine if the information could affect either\nthe marketability or the opinion of value for the property.\n\nSales Contract Information\n\nAll financing data and sales concessions for the subject property that will be or have been granted by anyone associated with the\ntransaction must be disclosed to the appraiser, as appropriate. Typically, this information is provided in the sales contract.\nTherefore, the lender must provide, or ensure that the appraiser is provided with, a copy of the complete, ratified sales contract\nand all addenda for the property that is to be appraised.\n\nInformation Disclosed to the Appraiser\n\nFinancial Information\nThe list below includes items that must be disclosed to the appraiser on purchase transactions, if applicable:\n\nsettlement charges,\nloan fees or charges,\n\n•\n•\n• discounts to the sales price,\n•\ninterest rate buydowns,\n• below-market-rate financing,\n•\n•\n•\n•\n•\n"} diff --git a/chunks/json/9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a.json b/chunks/json/9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a.json new file mode 100644 index 0000000000000000000000000000000000000000..7f1dffb13892f28fe4425aa3cfebb116fe0c2a01 --- /dev/null +++ b/chunks/json/9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":461231,"char_start":459522,"chunk_id":"chk_3eedbcfc6086cd8c","chunk_index":270,"chunk_sha256":"9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a","token_estimate":430,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"172\n\n1\n\n165\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Planned Units\n\nPlanned Units\nCount\n\nTotal number of planned living units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@PlannedUnitsCount\n\n173\n\n1\n\n166\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Units for Sale\n\nUnits For Sale\nCount\n\nTotal number of living units for sale.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@UnitsForSaleCount\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n"} diff --git a/chunks/json/9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c.json b/chunks/json/9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c.json new file mode 100644 index 0000000000000000000000000000000000000000..9f9a1a48c688bb27a6419f2cdf576c5fba1c40a6 --- /dev/null +++ b/chunks/json/9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18706,"char_start":16965,"chunk_id":"chk_20809a65fd1be6c6","chunk_index":10,"chunk_sha256":"9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c","token_estimate":435,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Unit - Owner Occupied\n\nafford_sf\n\nUnit - Affordability\nCategory\n\n1 = Yes\n2 = No\n1 = Low-income family (but not very\nlow-income) in a low-income area\n2 = Very low-income family, in a low-\nincome area\n3 = Very low-income family, not in a\nlow-income area\n4 = Other\n9 = Not available\n0 = Missing\n\nEnd of SF NFB\n\n13\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File C\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n1\n\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\n2\n\n8\n\nrecord_num_sf_nfc\n\nRecord Number\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\n3\n\n1\n\ntract_minority_cat\n\n2020 Census Tract -\nPercent Minority\n\n4\n\n1\n\ntract_income_cat\n\nTract Income Ratio\n\n1 = >=0, <10%\n2 = >=10, <30%\n3 = >=30, <=100%\n9 = Missing\n\n1 = >0, <=80%\n2 = >80, <=120%\n3 = >120%\n9 = Missing\n\nFlag identifying whether the mortgage was\npurchased by Fannie Mae or by Freddie Mac.\nFannie Mae and Freddie Mac are collectively\nreferred to as the Enterprises in this\ndocument.\nSequential numerical identifier for the\nproperty not related to the record number in\nthe Census Tract File or the other National\nFiles.\nThe percentage of the census tract’s\npopulation that is classified as belonging to a\nminority group, based on the 2020 decennial\ncensus. See definition of Minority in 12 CFR\n1282.1.\nThe ratio of the 2020 census tract median\nincome to the local area median income. This\nis the ratio used to determine whether the\ncensus tract qualifies as a low-income area for\npurposes of the single-family low-income\nareas housing goal. See definition of Families\nin low-income areas in 12 CFR 1282.1.\n"} diff --git a/chunks/json/9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046.json b/chunks/json/9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046.json new file mode 100644 index 0000000000000000000000000000000000000000..fbdca8d55abbff129d626b3f0030cae77cb4f8a7 --- /dev/null +++ b/chunks/json/9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3364,"char_start":1630,"chunk_id":"chk_266df3b33052a461","chunk_index":1,"chunk_sha256":"9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046","token_estimate":433,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"Is the property seller the owner of public record? Yes No Data Source(s) 49\n\nDate of Contract 46\n\n47\n\n48\n\n51\n\n50\n\nNote: Race and the racial composition of the neighborhood are not appraisal factors.\n\nNeighborhood Characteristics\n Suburban Rural\nLocation Urban\n54\n53\n Over 75% 25–75%\nBuilt-Up\n57\n56\n Rapid\n Stable\nGrowth\n60\n59\nNeighborhood Boundaries 83\n\nProperty Values Increasing\n55\n Under 25% Demand/Supply Shortage\n58\nMarketing Time\n Slow\n61\n\nCondominium Unit Housing Trends\n Declining\n Stable\n63\n64\n In Balance Over Supply\n66\n65\n67\n Under 3 mths 3–6 mths Over 6 mths\n69\n68\n70\n\n62\n\nCondominium Housing Present Land Use %\n\nPRICE\n$ (000)\n\nOne-Unit\n2-4 Unit\n\nAGE\n(yrs)\n 71 Low 74 Multi-Family\nCommercial\n 72 High 75\nOther\n 73 Pred. 76\n\n77 %\n78 %\n79 %\n 81 %\n 82 %\n\nNeighborhood Description 84\n\nMarket Conditions (including support for the above conclusions) 85\n\nSize 87\n\nTopography 86\nSpecific Zoning Classification 90\nZoning Compliance Legal Legal Nonconforming – Do the zoning regulations permit rebuilding to current density? Yes No\n93\n No Zoning Illegal (describe) 98\n96\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 101\n\nZoning Description 91\n\nView e-5; e-6; e-7\n\nDensity 88\n\n100\n\n99\n\n97\n\n92\n\n95\n\n94\n\n105\n\nPublic Other (describe)\n 104\n103\n 102\n 107\n106\n\nUtilities\nWater\nElectricity\nGas\nSanitary Sewer\nFEMA Special Flood Hazard Area Yes No FEMA Flood Zone\n120\nAre the utilities and off-site improvements typical for the market area? Yes No If No, describe 127\n125\n126\nAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe\n130\n"} diff --git a/chunks/json/9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57.json b/chunks/json/9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57.json new file mode 100644 index 0000000000000000000000000000000000000000..7942c9fc040523e29d8bb77b2e6663ec078dc0b7 --- /dev/null +++ b/chunks/json/9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57.json @@ -0,0 +1 @@ +{"chunk":{"char_end":95081,"char_start":94448,"chunk_id":"chk_b4abc04a78d87e7b","chunk_index":88,"chunk_sha256":"9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57","token_estimate":179,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf","below_target_min_tokens"]},"text":"29.061\n\nAdditional Supervisory Appraiser Certifications\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\n29.062\n\nSignature\n\n[Role]\n\n29.063\n\n29.064\n\n29.066\n\n[Contact Name]\n\n29.065\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\n29.067\n29.068\n\n29.069\n\n29.070\n\nAppraisal Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n"} diff --git a/chunks/json/9ad2a3df212292e1de053554bfe1075c27e7946725b53b8571fdba1e935b9d0d.json b/chunks/json/9ad2a3df212292e1de053554bfe1075c27e7946725b53b8571fdba1e935b9d0d.json new file mode 100644 index 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Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='ConformsToNeighborhood']/@_Comment\n\n4000\n\nString\n\nThis field should contain a description if the property does not generally conform to\nthe neighborhood (functional utility, style, condition, use, construction, use, etc).\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nOne and only one of fields 1-207, 1-208\n(Property Analysis Type = 'PhysicalDeficiency'\nand values of Property Analysis Exists\nIndicator) should be indicated.\n\nOne and only one of fields 1-207, 1-208\n(Property Analysis Type = 'PhysicalDeficiency'\nand values of Property Analysis Exists\nIndicator) should be indicated.\n\nThis field should be populated if field 1-207\n(Property Analysis Type = 'PhysicalDeficiency'\nand Property Analysis Exists Indicator = 'Y') is\nindicated.\n\nOne and only one of fields 1-210, 1-211\n(Property Analysis Type =\n'ConformsToNeighborhood' and values of\nProperty Analysis Exists Indicator) should be\nindicated.\nOne and only one of fields 1-210, 1-211\n(Property Analysis Type =\n'ConformsToNeighborhood' and values of\nProperty Analysis Exists Indicator) should be\nindicated.\n\nThis field should be populated if field 1-211\n(Property Analysis Type =\n'ConformsToNeighborhood' and Property\nAnalysis Exists Indicator = 'N') is indicated.\n\nR\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n"} diff --git a/chunks/json/9adde54436e1421c84c839e92eff1ec2d8cc338b43b7f7197a976ffbeb5762d4.json b/chunks/json/9adde54436e1421c84c839e92eff1ec2d8cc338b43b7f7197a976ffbeb5762d4.json new file mode 100644 index 0000000000000000000000000000000000000000..91626611789f5ac4db99589ed5d3a600d5543f37 --- /dev/null +++ b/chunks/json/9adde54436e1421c84c839e92eff1ec2d8cc338b43b7f7197a976ffbeb5762d4.json @@ -0,0 +1 @@ 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For DTS “rural area” eligibility from January 1 – June 30, 2023, use the 2022 ZIP file. For DTS “rural area” eligibility from July 1 – December 31, 2023, use the 2023 ZIP file.*\n"} diff --git a/chunks/json/9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c.json b/chunks/json/9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c.json new file mode 100644 index 0000000000000000000000000000000000000000..c7baf131034c403c564b22b8a44e79ee80fa0152 --- /dev/null +++ b/chunks/json/9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3207,"char_start":1602,"chunk_id":"chk_a3d0d54528b1bebb","chunk_index":1,"chunk_sha256":"9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f7d01bb05d443ddd","text_sha256":"9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.xml/SF5_Appraisal_v1.1.xml"]},"text":"OneToTenYears\n\ntrue\n\nAsphalt\n\nNewOrLikeNew\n\nRoof\n\nTypicalWearAndTear\n\nStandard grade materials used\n\nWindows\n\nVinyl thermal pane - double hung\n\nC3\n\nQ4\n\nGroundLevel\n\n1\n\nCentralized\n\nNaturalGas\n\nForcedWarmAir\n\nWaterHeater\n\nfalse\n\nDwellingFront\n\n\\\\Images\\SF5_DwellingFront.png\n\nimage/png\n\nPropertyPhoto\n\n\\\\Images\\SF5_DwellingFront.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\SF5_PropertyAccess.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\SF5_ComparableMap.png\n\nimage/png\n\nResidential\n\nView\n\n\\\\Images\\SF5_View.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\SF5_PriceTrend.png\n\nimage/png\n\n2024-03-03\n\nPhysical\n\nPhysical\n\nfalse\n\n25.165173\n\n-51.328125\n\nThe subject's market area is framed to the North by I-70, to the East by Main Street, to the South and West by George Washington Park.\n\n12\n\nThe pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built within the past 10 years, located within the subject's market area (east of Washington Park) during the past 12 months.\n\n7\n\n369000\n\n325000\n\n52\n\n349000\n\nActiveListings\n\n2\n\nPendingSales\n\n43\n\n370000\n\n325000\n\n340000\n\nTotalSales\n\nUnderThreeMonths\n\nInBalance\n\nfalse\n\nHilltop Hills\n\nLot 3 Block 8 Section 2 of Hilltop Hills\n\n15000\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n\nKLWMDFMW\n\n168\n\nWood\n\nDeck\n\n\\\\Images\\SF5_Deck.png\n\nimage/png\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nfalse\n\nfalse\n\nC3\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\ntrue\n\nfalse\n\n2018-10-30\n\n250000\n\nSale\n\nTypicallyMotivated\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nLocal\n\ntrue\n\nPublicStreet\n"} diff --git a/chunks/json/9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4.json b/chunks/json/9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4.json new file mode 100644 index 0000000000000000000000000000000000000000..86c078698c1618f9d103fed28c3984bbd8119c99 --- /dev/null +++ b/chunks/json/9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10492,"char_start":8762,"chunk_id":"chk_3e86f2579bea4780","chunk_index":5,"chunk_sha256":"9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_706b45ae4b661a92","text_sha256":"9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_s62wbf.md"]},"text":"We find a puzzling increase in home valuations following the adoption of stricter flood standards. At the same time, we are observing shifts in appraisers’ valuation practices. Specifically, appraisers reduce negative language, use fewer flood-zone comparables, and apply smaller adjustments to...\n - Staff Working Papers\n\nJanuary 10, 2025\n\n## [Working Paper 25-01: The Male and Female Gap in Home Appraisals](/research/papers/wp2501)\n\nUsing 24 million appraisals for refinance mortgages over the January 2013 to March 2024 period and comparing homes in the same census tract and year-quarter, we find that homes of single female households are appraised for 2.4% less than those of single men. Appraisers make lower adjustments to...\n - Staff Working Papers\n\nDecember 23, 2024\n\n## [Working Paper 24-11: Individual Borrower Motivations Surrounding Mortgage Forbearance Take-Up and Exit](/research/papers/wp2411)\n\nBorrower perceptions and beliefs about the future influence mortgage forbearance decisions. Using a proprietary dataset combining administrative mortgage records with borrower surveys, we find subjective expectations regarding forbearance uncertainty and financial knowledge help predict forbearance...\n - Staff Working Papers\n\nDecember 20, 2024\n\n## [Working Paper 24-10: European Energy Crisis: Did Electricity Prices Shock Real Estate Markets?](/research/papers/wp2410)\n\nThis paper investigates the impact of the 2021–2022 European energy crisis, a significant macro-financial shock, on homebuyer willingness-to-pay for energy-efficient homes in Norway. Leveraging the country’s electricity market—characterized by five distinct regions with varying exposure to European...\n - Briefs, Notes & White Papers\n"} diff --git a/chunks/json/9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2.json b/chunks/json/9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2.json new file mode 100644 index 0000000000000000000000000000000000000000..fd197cc99d572639563916eb8c882cc5b0e48714 --- /dev/null +++ b/chunks/json/9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15743,"char_start":13708,"chunk_id":"chk_cfcd07762f303a0e","chunk_index":8,"chunk_sha256":"9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2","token_estimate":509,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction.\n\nINTENDED USER: The intended user of this appraisal report is the lender/client.\n\nMARKET VALUE: The most probable price which a property should bring in a competitive and open market under all\nconditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not\naffected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of\ntitle from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well\ninformed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is\nallowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial\narrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by\nspecial or creative financing or sales concessions* granted by anyone associated with the sale.\n\n*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are\nnecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are\nreadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing\nadjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional\nlender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical\ndollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s\nreaction to the financing or concessions based on the appraiser’s judgment.\n"} diff --git a/chunks/json/9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d.json b/chunks/json/9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d.json new file mode 100644 index 0000000000000000000000000000000000000000..b26b0371bf8863adb3cac796ef236dd0b0663594 --- /dev/null +++ b/chunks/json/9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":394865,"char_start":393227,"chunk_id":"chk_9e232e978231b64e","chunk_index":231,"chunk_sha256":"9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Amount\n\n9\n\nMoney\n\nUAD Requirement - Refer to Appendix D Contract Section\nWhole dollars only.\n\nThis field is required if field 1-33\n(Appraisal Purpose Type = 'Purchase')\nis indicated.\n\nCR\n\nCR\n\nCR\n\n49\n\n1\n\n46\n\nCONTRACT\n\nDate of Contract\n\nSales Contract\nDate\n\nThe effective date of the sales contract\n(e.g. the date of sale).\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Date\n\n10\n\nDate/Time\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n50\n\n1\n\n47\n\nCONTRACT\n\nIs the property seller the owner\nof public record?\nYes\n\nSeller Is Owner\nIndicator\n\nIndicates that the seller is the owner of the\nproperty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne\nrIndicator=‘Y’]\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nThis field is required if field 1-33\n(Appraisal Purpose Type = 'Purchase')\nis indicated.\n\nCR\n\nCR\n\nCR\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and\nonly one of fields 1-47, 1-48 must be\nindicated.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 84 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n48\n\n49\n\n50\n\n51\n\n52\n\n53\n\n54\n\n55\n\n1\n\n1\n\n1\n\n1\n\n1\n\nCONTRACT\n\nIs the property seller the owner\nof public record?\nNo\n"} diff --git a/chunks/json/9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc.json b/chunks/json/9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc.json new file mode 100644 index 0000000000000000000000000000000000000000..7e8a749fda08c8be0f787c8c363152aff24e2c9f --- /dev/null +++ b/chunks/json/9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12374,"char_start":10675,"chunk_id":"chk_5ed8f08f758aafb1","chunk_index":6,"chunk_sha256":"9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"### Repayment Plans\n\nIn a repayment plan, past due amounts are added on to the borrower’s mortgage payment to be repaid over several months in order to bring the mortgage current. Repayment plans allow a borrower time to catch up on late payments without having to come up with a lump sum.\n\n### Forbearance Plans\n\nForbearance plans allow a borrower to make reduced mortgage payments or no mortgage payments for a specific period of time. Forbearance may be granted for borrowers in temporary or short-term financial difficulty. At the conclusion of the forbearance period the borrower is required to pay any missed payments or amounts, which is generally achieved with a repayment plan or loan modification.\n\n### Payment Deferral\n\nA payment deferral allows a borrower to keep the same monthly payment by moving past-due amounts to the end of the loan as a non-interest bearing balance, due and payable at maturity, sale, refinance, or payoff. Missed tax and insurance payments (escrow payments), may affect the total monthly payment.\n\n### ​Flex Modification\n\nIn 2016, FHFA required the Enterprises to develop an aligned post-crisis loan modification program that built on lessons learned from the crisis-era modification programs. The aligned effort resulted in the Flex Modification, announced in [December 2016​](/news/statement/statement-of-fhfa-deputy-director-sandra-thompson-on-new-loan-modification-offering-for-delinquent).Flex Modification replaced Standard and Streamlined Modifications. Servicers were required to implement Flex Modification by October 1, 2017. For borrowers who qualify, the new loan terms available under a Flex Modification are determined based on the following steps:\n"} diff --git a/chunks/json/9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7.json b/chunks/json/9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7.json new file mode 100644 index 0000000000000000000000000000000000000000..5f0b65e8a7765dc6c99d8674b137fe9d74188c1f --- /dev/null +++ b/chunks/json/9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9005,"char_start":7078,"chunk_id":"chk_4f4a9f877ab43c6f","chunk_index":4,"chunk_sha256":"9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d758f0521003c884","text_sha256":"9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7","token_estimate":480,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Housing_Mission_Report___U_S__FEDERAL_HOUSING_ho765g.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# Housing Mission Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Housing Mission Report\n\n​​​​​​The Federal Housing Finance Agency (FHFA), as regulator and conservator of Fannie Mae and Freddie Mac (the Enterprises), and as regulator of the 11 Federal Home Loan Banks (FHLBanks), is responsible for their effective supervision, regulation, and mission oversight. FHFA oversees the Enterprises and the FHLBanks (regulated entities) as they work to fulfill their responsibilities to support affordable and sustainable housing finance, targeted financing for economic development, and underserved communities. This report provides a summary of the activities carried out by the regulated entities in pursuit of those objectives.\n"} diff --git a/chunks/json/9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6.json b/chunks/json/9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6.json new file mode 100644 index 0000000000000000000000000000000000000000..4dbbb7514095ecbb21a2e62ed611adf1334a7617 --- /dev/null +++ b/chunks/json/9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2721,"char_start":1623,"chunk_id":"chk_082e1a10bc2eb8c4","chunk_index":1,"chunk_sha256":"9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d2c6afec56ba40de","text_sha256":"9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6","token_estimate":274,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2020-ucd-release-notes.pdf"]},"text":"NOTE: The UCD Test Environment has been updated to include the Phase 1 UCD Critical Edits. To assist your\ntesting, on November 4 all Phase 1 edits will have a severity of Fatal to mirror May 2021.\n\n© 2020 Fannie Mae\n\nOctober 2020\n\nEffective\nDate\n\nImpacted\nArea\n\nDescription\n\nAdditional Resources:\n\nUniform Closing Dataset Critical Edits Implementation Timeline\n\nUCD Critical Edits Matrix\n\nUCD Critical Edits Implementation Guide\n\nNov. 2, 2020\nNEW\n\nEdits Updates\n\nReview the Edit Change Effective Date in the UCD Feedback Messages for a listing of effective edit updates including:\n\n•\n\n3 new Warning edits related to ARM Index, Property Seller Container, and Closing Agent Seller.\n\nIn Case You Missed It\n\nEffective\nDate\n\nMarch 2, 2020\n\nImpacted\nArea\n\nUCD Graphical\nUser Interface\n(GUI)\n\nDescription\n\nThe UCD Collection Solution user interface design has been updated for a user-friendly look and feel for an enhanced\nperformance.\n\nNOTE: The UCD Data Form Entry will not be impacted.\n\nFor Internet Browser compatibility please refer to the Technology Requirements.\n\n© 2020 Fannie Mae\n\nOctober 2020\n"} diff --git a/chunks/json/9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318.json b/chunks/json/9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318.json new file mode 100644 index 0000000000000000000000000000000000000000..4a5690d0d14db762a43ae72fce05571964ffe34c --- /dev/null +++ b/chunks/json/9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318.json @@ -0,0 +1 @@ +{"chunk":{"char_end":33744,"char_start":32102,"chunk_id":"chk_3909bed3057a5d86","chunk_index":18,"chunk_sha256":"9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"05.006 Comment\n\nRequired if\nConstruction\nConsistent with\nOriginal Plans and\nSpecs is No\n\nRequired if\nConstruction\nConsistent with\nOriginal Plans and\nSpecs is No\n\nRequired if\nConstruction\nConsistent with\nOriginal Plans and\nSpecs is No\n\nRequired if\nConstruction\nConsistent with\nOriginal Plans and\nSpecs is No\n\nRequired if\nConstruction\nConsistent with\nOriginal Plans and\nSpecs is No\n\nCompletion Status Table (For each inconsistent item)\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe item that was not completed in a manner consistent with the original plans\nand specs.\n\nPhoto or image\n\nPhoto(s) of the item(s) that were not completed in a manner consistent with\nthe original plans and specs must be provided, which display in Completion\nReport Exhibits as “Inconsistent Item” with the Feature. An additional caption\nmay be provided to further identify the photo.\n\nFree-form\n\nBriefly describe the location of the inconsistent item.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nFree-form\n\nThe quality of the materials and workmanship compared to the original plans\nand specifications.\n•\nSuperior\n•\nSimilar (different from plans and specs but similar quality)\n•\nInferior\n\nDescribe the difference in quality of the materials and workmanship for the\nitem that was not completed in a manner consistent with the original plans and\nspecs.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 19 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n06 Completion Report Commentary\n\n06 Completion Report Commentary\n\nThe Completion Report Commentary section displays when comments are provided.\n"} diff --git a/chunks/json/9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5.json b/chunks/json/9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5.json new file mode 100644 index 0000000000000000000000000000000000000000..9a41b9830655997549eafd1fd193804b5321c30d --- /dev/null +++ b/chunks/json/9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16292,"char_start":14115,"chunk_id":"chk_be7168990f2f020f","chunk_index":8,"chunk_sha256":"9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc766f901ec2960c","text_sha256":"9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Interpretive_Services___FHFA_avef0g.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/17711\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. 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TOTAL PAYOFFS AND PAYMENTS\n\n$2,057.00\n\n-$5,000.00\n\n-$200.00\n\n25.2.1 $125,857.00\n\nFigure 141. Payoffs and Payments Table – Principal Reduction for Refinance\n\n25. 1 | 25. 1. 1 LI NE I TEMS\n\nThe data points in the table below are used to populate the Payoffs and Payments table line items.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 157. Payoffs and Payments Table\n\nRho Servicing to\npay off existing\nloan\n\n25.1\n\n25.1 N/A - XML\n\n25.1 N/A - GSE\n\n25.1 Rho Servicing to\npay off existing\nloan\n\n25.1.1 Rho Servicing to\npay off existing\nloan ($)\n\n25.1 Beta Card, Inc. to\npay down credit\ncard balance\n\n25.1 N/A – XML\n\n25.1 N/A - GSE\n\nFirst Instance of LIABILITY\n\n…/LIABILITY_DETAIL\n\nLiabilityType\n\n@gse:DisplayLabelT\next\n\nFirstPositionMortgageLi\nen\n\nFirst Mortgage Payoff\n\nROF as “to pay off\nexisting loan”\n\n…/LIABILITY_DETAIL/E\nXTENSION/OTHER\n\ngse:IntegratedDisclo\nsureSectionType\n\nPayoffsAndPayments\n\nNot Shown\n\ngse:LiabilitySecured\nBySubjectPropertyIn\ndicator\nFullName\n\ntrue\n\nNot shown – Data\nclarity\n\nRho Servicing\n\n…/LIABILITY_HOLDER/\nNAME\n\n…/PAYOFF\n\nPayoffAmount\n\n124000.00\n\nROF as “$124,000.00”\n\nSecond Instance of LIABILITY\n\n.../LIABILITY_DETAIL\n\nLiabilityType\n\nOpen30DayChargeAcco\nunt\n\n@gse:DisplayLabelT\next\n\nTo pay down credit card\nbalance\n\nROF as “to pay down\ncredit card balance”\n\n…/LIABILITY_DETAIL/E\nXTENSION/OTHER\n\ngse:IntegratedDisclo\nsureSectionType\n\nPayoffsAndPayments\n\nNot Shown\n\ngse:LiabilitySecured\nBySubjectPropertyIn\ndicator\n"} diff --git a/chunks/json/9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780.json b/chunks/json/9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780.json new file mode 100644 index 0000000000000000000000000000000000000000..9a7d00c03a3ae9abe8464665b641fd77edaf2cbf --- /dev/null +++ b/chunks/json/9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4565,"char_start":3544,"chunk_id":"chk_d64410dac029b301","chunk_index":2,"chunk_sha256":"9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0aaa3fda0909359c","text_sha256":"9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780","token_estimate":255,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-july-20-2024.pdf"]},"text":"Loan Application Data Warnings\n\n--------------------------------------------------------------------------------\n\nWARNING - EMPLOYMENT / STATUS_TYPE (EMPLOYER_1) - value is required for all employments (Employment and\nassociated income ‘INCOME_1’ were removed from the loan application data).\n\nOther Updates\n\nOther updates will also be made to the loan application data validation at an individual field or container level. These updates\ncould result in customers receiving various warnings or errors for invalid data, incomplete data, or negative values at different\ntimes during the processing of the file.\n\nRelease Support\nThese updates will be implemented in the DU integration environment on or around May 15, 2024.\n\nIf you have questions about the integration impact or if you require support specific to these updates, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae\nrepresentative.\n\n© 2024 Fannie Mae 4.17.24\n\n2 of 2\n"} diff --git a/chunks/json/9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7.json b/chunks/json/9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7.json new file mode 100644 index 0000000000000000000000000000000000000000..113b567f344ac7db786a2b3fd66ebc0fbd59c979 --- /dev/null +++ b/chunks/json/9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10466,"char_start":8631,"chunk_id":"chk_d60365d696a4c285","chunk_index":5,"chunk_sha256":"9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_beba9914f90d78e7","text_sha256":"9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Data_Governance_Resources___FHFA_6s4y4.md"]},"text":"The Information Resources Management (IRM) Strategic Plan provides direction, organizational alignment, and prioritization for key information technology and data initiatives. The IRM Plan incorporates an Open Data Plan as a key component of the broader strategy.\n\n## [FHFA Data Governance Committee](/sites/default/files/2024-01/FHFA-Data-Governance-Committee-Charter_09162022.pdf)\n\nThe committee is chaired by the Chief Data Officer and helps ensure the Agency makes strategic and tactical decisions concerning data governance and lifecycle data management in a collaborative and informed manner.\n\n## [Artificial Intelligence Use Cases](/data/artificial-intelligence-use-case-inventory)\n\nFHFA compiled a list of Artificial Intelligence use cases for the purposes of “Promoting the Use of Trustworthy Artificial Intelligence in the Federal Government.”\n\n## [Information Quality](/about/information-quality)\n\nInformation Quality Guidelines have been prepared to ensure and maximize the quality, objectivity, utility and integrity of information disseminated by FHFA.\n\n*Page last updated: August 18, 2025*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9.json b/chunks/json/9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9.json new file mode 100644 index 0000000000000000000000000000000000000000..f9d333b7ea89ac2eb8e1db85221b104df7b1a72d --- /dev/null +++ b/chunks/json/9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":145929,"char_start":144315,"chunk_id":"chk_ba73fe0638a1fb4a","chunk_index":84,"chunk_sha256":"9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Free-form\n\nChoose one or\nmore allowable\nanswers from\ntable (Reasons\nIllegal)\n\nAdverse,\nBeneficial, or\nNeutral\n\nYes | No\n\nDescriptive text that explains the details of the Classification Code as used and\ndefined by the local governing authority.\nExamples:\n•\n• Mixed use structures and low-rise multifamily units in the defined Central\n\nResidential single-family dwellings on 1 acre lots\n\nBusiness District (CBD)\n\nAccessory Dwelling Unit\nDevelopment Standards\nExcessive Units\nLot Size\n\nThe reason(s) the site does not comply with zoning regulations.\n•\n•\n•\n•\n• Manufactured Home\n•\nOther (Describe)\n\nIndicates whether the building code or zoning regulations allow the property to\nbe rebuilt to the current density and use if current improvements are\ndestroyed.\n\n4.014\n\nDescription of\nZoning\nCompliance\n\nRequired if Zoning\nCompliance is not\nLegal, or if relevant\n\nFree-form\n\nDescription could include information pertinent to zoning compliance that is\nnot captured in the discrete data, or additional details to support the discrete\ndata that is provided.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nAccessory Dwelling Unit\n\nAccessory dwelling units are not allowed on the site.\n\nSite: Zoning - Reasons Illegal (Choose all that apply)\n\nDevelopment Standards\n\nSite is not compliant with development regulations (e.g., a dwelling with a building footprint that exceeds the allowable\nsetback lines or size restrictions).\n\nAppendix F-1: URAR Reference Guide\n\nPage 57 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nExcessive Units\n\nSite: Zoning - Reasons Illegal (Choose all that apply)\n"} diff --git a/chunks/json/9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07.json b/chunks/json/9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07.json new file mode 100644 index 0000000000000000000000000000000000000000..ac4cba08bbf437e32704bf66f69af4731dc29cb4 --- /dev/null +++ b/chunks/json/9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12479,"char_start":8671,"chunk_id":"chk_0b97dd81ed42bfe4","chunk_index":4,"chunk_sha256":"9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07","token_estimate":2930,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"CONVERSION_OPTION_PERIOD_ADJUSTMENT RULE (For Future Use)....................... 45\n4.   PER_CHANGE_ADJUSTMENT_RULES / PER_CHANGE_ADJUSTMENT_RULE................ 46\n5.   PERIODIC_ADJUSTMENT_RULES / PERIODIC_ADJUSTMENT_RULE.............................. 46\n6.   Rate_Or_Payment_Change_Occurrences / Rate_Or_Payment_Change_Occurrence 48\nI.  Container-Specific Concepts: PARTY .............................................................................. 49\n1.   The Importance of PartyRoleType.............................................................................. 49\n2.   PartyRoleTypes Used in the Loan Delivery Data Set................................................. 51\nV. Resources ................................................................................................................................. 57\nA. ULDDS Document Package .............................................................................................. 57\nB. GSE-Specific Implementation Guide Package .................................................................. 58\nC.  Common Usage and GSE-Specific Test Case Scenarios.................................................. 58\nD.  Resource Web Sites .......................................................................................................... 59\nE.  XML schema Editors ........................................................................................................ 59\nVI. V3.0 Reference Model Features Not Used in the ULDDS..................................................... 60\nA. The V30_B263-12_LDDReport ........................................................................................ 60\n1. Data Point..................................................................................................................... 60\n2. Enumeration : Explanation .......................................................................................... 60\n3. Enumeration: -- URN Suffix........................................................................................ 60\n4. Sensitive Information................................................................................................... 60\n5. URN .............................................................................................................................. 61\nB. Containers.......................................................................................................................... 62\n1. URN ............................................................................................................................. 62\nC. Attributes........................................................................................................................... 63\n1. URN ............................................................................................................................. 63\nD. Arc Roles........................................................................................................................... 63\nE. Deprecated Data Points and Containers ............................................................................ 64\nF. Additions: The Extension Container ................................................................................. 65\nVII. Glossary................................................................................................................................. 66\nVIII. Acronyms and Abbreviations............................................................................................... 69\nIX. Data Points Referenced........................................................................................................... 70\nX. Index......................................................................................................................................... 71\n"} diff --git a/chunks/json/9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674.json b/chunks/json/9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674.json new file mode 100644 index 0000000000000000000000000000000000000000..166bdd2ab198c3b95dbdb78afbf3d5ba7ea7025a --- /dev/null +++ b/chunks/json/9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674.json @@ -0,0 +1 @@ +{"chunk":{"char_end":182312,"char_start":180697,"chunk_id":"chk_1fe58a733c3bb7b7","chunk_index":88,"chunk_sha256":"9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.1.2\n\nYears 8 – 30\n\nFigure 54. Two Payment Calculation Year Ranges\n\nThe document-specific data points used to represent the Year Ranges are shown in Table 71.\n\nTable 71. Two Payment Calculation Year Ranges.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.1.1\n\nN/A\n\n5.1.1\n\nYears 1 – 7\n\n…./INTEGRATED_DI\nSCLOSURE/PROJEC\nTED_PAYMENTS/PR\nOJECTED_PAYMEN\nT\n\n5.1.1\n\nYears 1 – 7\n\n5.1.1\n\nYears 1 – 7\n\n@SequenceNumber 1\n\nProjectedPaymentC\nalculationPeriodEn\ndNumber\n\nProjectedPaymentC\nalculationPeriodSta\nrtNumber\n\n7\n\n1\n\nProjectedPaymentC\nalculationPeriodTer\nmType\n\nYearly\n\nSecond Instance of PROJECTED_PAYMENT\n\nNot shown –\nDesignates this\ncontainer as the\nfirst in a series\n\n▪ Designates the\nlast number in\nthe Year Range\n▪ Represented as\n“7” on form\n\n▪ Designates the\nfirst number in\nthe Year Range\n▪ Represented as\n“1” on form\n\nRepresented as\n“Years” on form\n\nAppendix E: UCD Implementation Guide\n\nPage 81 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 71. Two Payment Calculation Year Ranges.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n5.1.2\n\nN/A\n\n…/PROJECTED_PAY\nMENT\n\n@SequenceNumber 2\n\n5.1.2\n\nYears 8 – 30\n\n5.1.2\n\nYears 8 – 30\n\n5.1.2\n\nYears 8 – 30\n\n2. PAYMENT RANGES\n\nProjectedPaymentC\nalculationPeriodEn\ndNumber\n\n30\n\nProjectedPaymentC\nalculationPeriodSta\nrtNumber\n\n8\n\nProjectedPaymentC\nalculationPeriodTer\nmType\n\nYearly\n\nEnd of PROJECTED_PAYMENT Instances\n\nNot shown –\nDesignates this\ncontainer as the\nsecond in a series\n"} diff --git a/chunks/json/9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd.json b/chunks/json/9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd.json new file mode 100644 index 0000000000000000000000000000000000000000..3e0f0ce28456a20135b2f24b0cc9c568495025bf --- /dev/null +++ b/chunks/json/9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":498138,"char_start":496001,"chunk_id":"chk_8a2c383651dec35a","chunk_index":283,"chunk_sha256":"9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd","token_estimate":534,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"23.9: Reg §1026.38(r)-7 pp. 80361; 38(r)(7) p. 80128; §1026.37(k)-4 p. 80347; §1026.37(k)(3) p. 80119.\n\nAppendix E: UCD Implementation Guide\n\nPage 233 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n24.0 Confirm Receipt\n\n24.0 CONFIRM RECEIPT\n\nThe Confirm Receipt section is included in the following Closing Disclosure variations:\n\nTable 153. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\n24.0\n\nConfirm Receipt\n\nOptional\n\nOptional\n\nOptional\n\nAt the lender’s option, under the heading Confirm Receipt, one or more line(s) for the borrowers’ signatures\nmay be disclosed. Additional signature lines may be added if they are added beneath the Confirm Receipt\nheading and text. If the additional signatures exceed the amount of space available on page 5, an additional\npage may be added with appropriate reference and a repetition of the Confirm Receipt heading text.\n\n24.0\n\nConfirm Receipt\nBy signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or\nreceived this form.\nMichael Jones\n24.1 Applicant Signatu re\nMichael Jones\n\nAril, 18, 2018\n24.2 Date\n\n24.1 Co- Applicant Signatu re\n\nMary Stone\n\nMary Stone\n\nApril 18, 2018\n24.2 Date\n\nFigure 139. Additional Information About This Loan - Confirm Receipt\n\nA. BORROWER AND SELLER RELATIONSHIPS TO SI G NATURE LI NE\n\nAs with the Contact Information table’s relationships between employer and employee, @xlink is used to\nestablish a link between the signature and borrower. For the relationship between the borrower and the\nsignature on the form, RELATIONSHIP under DOCUMENT defines a relationship of “is associated with”. The\nindication of which ROLE is associated with which SIGNATORY is done by adding @xlink:label to each borrower\nROLE and associated SIGNATORY and including these labels in the definition of the @arcrole in RELATIONSHIP.\nThe following table presents data points and attributes used to convey the signature date in the Confirm Receipt\nsection.\n"} diff --git a/chunks/json/9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01.json b/chunks/json/9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01.json new file mode 100644 index 0000000000000000000000000000000000000000..f987fa2a3c161276a5f090d0559a4d4e53ab237f --- /dev/null +++ b/chunks/json/9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01.json @@ -0,0 +1 @@ +{"chunk":{"char_end":73030,"char_start":71378,"chunk_id":"chk_31eab19a49ed6763","chunk_index":39,"chunk_sha256":"9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Captures loan-to-value ratios for the delivered loan and\nall its associated loans.\n\nLoan information, organized into many child\ncontainers. For example, the REFINANCE container\nholds containers and data points specific to refinances.\nAll data points within each LOAN instance must be valid\nfor that LOAN’S LoanRoleType, LoanStateType, and\nLoanStateDate.\n\nInformation about parties to the transaction, for\nexample, borrower, loan originator, or appraiser, as\nidentified by the value in PartyRoleType in the\nROLE_DETAIL container. The data submitted should be\nthe most up-to-date party information known at the\ntime of delivery. PARTY is used in LOAN, DEAL_SET, and\nDEAL_SETS; usage differs for each GSE.\n\nThe unique identifier assigned to a PartyRoleType, for\nexample, the Seller Number or the Loan Originator ID.\n\nIdentifies the role played by the entity described in this\ninstance of PARTY. Each GSE uses different roles as\nspecified in their GSE-specific Appendix As.\n\nCaptures special characteristics of the DEAL_SET. Also\nused within LOAN. Usage differs by GSE.\n\nInformation about parties related to a pool of loans, as\nidentified by the value in PartyRoleType in the\nROLE_DETAIL container. This container is specific to\nFannie Mae’s loan delivery application.\n\n….:.PARTY_ROLE_IDENTIFIERS The unique identifier assigned to a PartyRoleType.\n\n….:.ROLE\n\n…POOL\n\nIdentifies the role played by the entity described in this\ninstance of PARTY. Each GSE uses different roles as\nspecified in their GSE-specific Appendix As.\n\nCaptures information about pooling of loans for\nsecuritization. This container is specific to Fannie\nMae’s Loan Delivery application.\n"} diff --git a/chunks/json/9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9.json b/chunks/json/9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9.json new file mode 100644 index 0000000000000000000000000000000000000000..05a2345a065f6bd408d972d2b9a7cd927a253372 --- /dev/null +++ b/chunks/json/9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58482,"char_start":57197,"chunk_id":"chk_cdbd61b51d1743af","chunk_index":33,"chunk_sha256":"9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9","token_estimate":321,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nSignature\n\nAppraiser\nSam Appraiser\nSam Appraiser\n\n05/23/2018\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n5555-2222\nIL\n06/30/2020\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd.json b/chunks/json/9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd.json new file mode 100644 index 0000000000000000000000000000000000000000..f67f73f06446f6ace98502ab118002226771bae2 --- /dev/null +++ b/chunks/json/9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1996,"char_start":0,"chunk_id":"chk_3053d5d93dae1c7d","chunk_index":0,"chunk_sha256":"9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9527361ec65b3f48","text_sha256":"9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd","token_estimate":499,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display (1).pdf"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nThis UCD Enhancements guide provides access to 2021’sUCD updates in an easy-to-read format all in one document. See the 2020 Release Notes Summary to review an archive\nof the enhancements to UCD in 2020.\n\nLooking for Feedback Message updates? Review the ‘Edit Updates’ tab in the UCD Feedback Messages for a summary of this year’s message updates.\n\nDecember 2, 2021\n\nUpdated January 19, 2022\n\nIn Case You Missed It\n\nEffective\nDate\n\nDecember 6,\n2021\nUPDATED\n\nDecember 6,\n2021\n\nImpacted Area Description\n\nUCD Critical Edits -\n\nPhase 1\n\nReview the Phase 1 Edits tab in the UCD Feedback Messages for a listing of the new warning edit to further refine UCD Phase\n1 data quality:\n\nImplementation\n\n• Warning-to-Fatal Edit 3317: The reported Regulation Z Total Points and Fees Amount provided is $0.00. Validate\n\nthe amount to ensure the accuracy of the value provided. For additional information on the Regulation Z Total Points\nand Fees Amount contact your Compliance Team.\n\nNOTE: Edit 3317 will be updated in January 2022 to a Warning severity and will not transition to fatal severity as originally\nannounced.\n\nUCD Critical Edits -\n\nReview the Removed Messages tab in the UCD Feedback Messages for a listing of the following UCD Phase 2 edit removals:\n\nPhase 2\n\nImplementation\n\n• Warning-to-Fatal Edit 3419: When Loan Purpose Type is equal to Purchase, and Loan Closing Adjustment Item\nSection Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is provided, and Loan Closing Adjustment Item\nAmount is not equal to zero, the Loan Adjustment item Integrated Disclosure Subsection Type is required.\n• Warning-to-Fatal Edit 3420: When Loan Purpose Type is equal to Purchase, and Loan Closing Adjustment Item\nSection Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is provided, and Loan Closing Adjustment Item\nSubSection Type is equal to OtherCredits, the Loan Closing Adjustment Item Amount is required.\n"} diff --git a/chunks/json/9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214.json b/chunks/json/9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214.json new file mode 100644 index 0000000000000000000000000000000000000000..bf2d5fa3e5865df9a25cb0a8a970c2d8945e51a3 --- /dev/null +++ b/chunks/json/9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_6c83d8bbfbde8081","chunk_index":0,"chunk_sha256":"9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c8db186d93a65001","text_sha256":"9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FAIR_Act_Inventory___U_S__FEDERAL_HOUSING_syma5o.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fair-act-inventory\"\ndate_accessed: \"2026-01-27T17:54:20.457Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328.json b/chunks/json/9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328.json new file mode 100644 index 0000000000000000000000000000000000000000..6e3f039ea9342f91d679843e8d26832f7d1b9238 --- /dev/null +++ b/chunks/json/9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328.json @@ -0,0 +1 @@ +{"chunk":{"char_end":70141,"char_start":68207,"chunk_id":"chk_075ad4bbc65f9e07","chunk_index":37,"chunk_sha256":"9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328","token_estimate":484,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Prepayment Penalty Term:\n\nPrepayment Penalty Term is a new\nHMDA data element that indicates the\nlength of any prepayment penalty term\nduring which a charge is imposed for\npre-paying all or part of the principal\nprior to the contractual due date.127 The\nEnterprises collect this data element.\nPrepayment Penalty Term will be\ndisclosed without modification in the\nPUDB Multifamily Census Tract File, in\n\n120 84 FR at 665.\n121 12 CFR 1007.102.\n122 12 CFR 1008.23.\n123 12 CFR 1003.4(a)(34).\n124 84 FR at 667.\n125 12 CFR 1003.4(a)(35).\n126 84 FR at 668.\n127 12 CFR 1003.4(a)(22); 1026.32(b)(6)(i).\n\nconformance with the CFPB Privacy\nGuidance.128\n\nProperty Value: Property Value is a\nnew HMDA data element that indicates\nthe value of the property securing the\nloan, in exact dollars, that was relied on\nby the lender in making the credit\ndecision to originate the loan.129 The\nEnterprises collect this data element.\nBecause Property Value can be highly\nunique within a census tract, the CFPB\nPrivacy Guidance intends to require that\nit be disclosed as the midpoint of the\n$10,000 interval in which the reported\nvalue falls in order to reduce the ability\nto match the loan with other sources of\ndata and facilitate re-identification of\nthe borrower.130 The PUDB Multifamily\nCensus Tract File will disclose Property\nValue with the same modification, in\nconformance with the CFPB Privacy\nGuidance.\n\nCombined Loan-to-Value (CLTV):\n\nCLTV is a new HMDA data element that\nindicates the ratio at origination of the\ntotal amount of debt secured by the\nproperty to the value of the property\nrelied on in making the credit decision\n(discussed above), disclosed as a\npercentage.131 The Enterprises collect\nthis data element as LTV or CLTV where\navailable. LTV or CLTV will be\ndisclosed without modification in the\nPUDB Multifamily Census Tract File,\nwithout disclosing whether the value is\nCLTV or LTV, in conformance with the\nCFPB Privacy Guidance.132\n"} diff --git a/chunks/json/9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408.json b/chunks/json/9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408.json new file mode 100644 index 0000000000000000000000000000000000000000..ee1a61d162f045e0f6a24fa6df8aa02b00f4d093 --- /dev/null +++ b/chunks/json/9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1684,"char_start":0,"chunk_id":"chk_c9c8017dfccf86f1","chunk_index":0,"chunk_sha256":"9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0422410895f167bc","text_sha256":"9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-readiness-checklist-direct-integrators.pdf"]},"text":"UCD v2.0 Initiative Readiness Checklist for Direct Integrators\n\nThe purpose of this checklist is to assist direct integrators (Software Partners, Technology Service\nProviders (TSPs) and lenders with proprietary systems) to implement the Uniform Closing Dataset (UCD)\nv2.0 Specification (UCD v2.0) and the Critical Edits for specification version, Phase 3B Postponed and\nPhase 4.\n\nUCD v2.0 Implementation Overview\n\nThe GSEs customer test environments are now available for UCD v2.0 testing. You may continue testing up\nto the UCD v2.0 mandate date. UCD v2.0 functionality will be available for each GSE’s production UCD\ncollection solution starting on September 29, 2025. This officially kicks off the transition period from UCD\nv1.5 to UCD v2.0. You must implement UCD v2.0 in your system(s) by the mandate date\n\nDirect Integrators should test their output files against GSE specific test cases before submitting the XML\nfiles to the GSEs production environments. Contact your GSE representatives to indicate when you will be\nready to begin testing and to obtain the test cases and credentials.\n\nIt is important for direct integrators to implement UCD v2.0 before the mandate date, to allow your\ncustomers sufficient time to address data issues and resolve critical edits.\n\nBEFORE SUBMITTING UCD V2.0 TEST FILES TO THE GSES:\n\n Review the UCD v2.0 Specification Quick Start Guide to identify the most impactful XML file modifications.\n\n Review and analyze the UCD v2.0 Specification along with the UCD v2.0 Implementation Guide to\n\nunderstand the full scope and intent of changes.\n\n Review the UCD v2.0 Critical Edits Matrix for specification version, Phase 3B Postponed and Phase 4\n"} diff --git a/chunks/json/9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41.json b/chunks/json/9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41.json new file mode 100644 index 0000000000000000000000000000000000000000..4577f1990af6e8b1e13ed0c485248f980f5a6259 --- /dev/null +++ b/chunks/json/9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41.json @@ -0,0 +1 @@ +{"chunk":{"char_end":616053,"char_start":614302,"chunk_id":"chk_b292182075c8c121","chunk_index":366,"chunk_sha256":"9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41","token_estimate":438,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"N/A\n\nAlways required\n\nNumber\n\nOutbuilding\n•\n\nUnits in Structure\n12.003\n\nNot on\nReport\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\n22.14.02\n22.14.16\n\nGross Building\nArea\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\nOutbuilding\n•\n\nGross Building\nArea 12.006\n\n22.14.03\n22.14.17\n\nFinished Area\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\nOutbuilding\n•\n\nOutbuilding\nFinished Area\nExcluding Vehicle\nStorage and ADU\n12.011\n\nNo\n\nNo\n\nNo\n\nUnits in Structure: The number of accessory dwelling units in the\noutbuilding.\n•\n•\n\nIf there are no ADUs in the Outbuilding, enter 0.\nIf there is an ADU in the outbuilding, provide the number of ADUs\n(1 or more). Examples include:\n\no\n\no\n\nADU/Garage: A detached garage with a living unit above\nor attached by a common wall\nStandalone ADU\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\nGross Building Area for the outbuilding includes area for vehicle\nstorage, ADU(s), and any other uses.\nEnsure that attributes are only adjusted for once.\n\no\no\n\nADU is accounted for in the Unit(s) subsection.\nVehicle storage is accounted for in the Vehicle Storage\nsubsection.\n\nGross Building Area may be provided instead of Finished Area and /\nor Unfinished Area, such as when the detailed area is not known\nfor all the comparables.\nIndicate in Reconciliation of Sales Comparison Approach (22.16.01)\nif area is estimated for the comparable.\n\nInclude this row in the sales comparison grid when the specific\nbreakdown between finished and unfinished area for the\ncomparables is available and needed to support conclusions.\nIndicate in Reconciliation of Sales Comparison Approach (22.16.01)\nif area is estimated for the comparable.\n"} diff --git a/chunks/json/9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1.json b/chunks/json/9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1.json new file mode 100644 index 0000000000000000000000000000000000000000..e55884125accb1efa08a0fe4018cacd58c2f54d5 --- /dev/null +++ b/chunks/json/9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_d849b4e3396d3ba9","chunk_index":0,"chunk_sha256":"9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_66de8093eb24ef3d","text_sha256":"9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Data___FHFA_4j5y5c.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data\"\ndate_accessed: \"2026-01-27T17:54:20.535Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb.json b/chunks/json/9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb.json new file mode 100644 index 0000000000000000000000000000000000000000..1593d4867873fc547b6da035d806c710f1cbc82e --- /dev/null +++ b/chunks/json/9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":361866,"char_start":360184,"chunk_id":"chk_b3d351f6dd8f9e67","chunk_index":293,"chunk_sha256":"9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb","token_estimate":420,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• Reconciliation of Sales Comparison Approach (Always displays)\n\n• Sales Comparison Map (Always displays)\n\n• Additional Properties Analyzed Not Used (If relevant)\n\n• Sales Comparison Approach Exhibits (Always displays)\n\nReference “Supplement – Approaches to Value Grids” spreadsheet for more information.\n\nSubject Property Information in the Sales Comparison Approach\n\nAll information previously entered for the subject property populates from the appropriate section to the sales comparison grid. There is\nother information (“Sales Grid Only”) that only displays in the sales comparison grid. The “Subject FID in Source Section” column of the\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n“Supplement – Approaches to Value Grids” spreadsheet (“Sales Comp Grid” tab) shows the original location of the information or indicates\n“Sales Grid Only”.\n\nPage 277\n\nFields That Are Not Applicable\n\nIf a specific field in the sales grid is not applicable for the subject or a given comparable, the cell is either grayed out or displays a dash.\n\nGrayed-Out Cells\n\nInformation that is never applicable for the subject property or comparables is grayed out in the sales comparison grid. These are\ndocumented in Appendix E: Style Guide.\n\nExample:\n\nProximity to Subject, Same Builder as Subject, and Sale Price are not applicable for the subject property and are always grayed out. (Figure 22\n- 1)\n\nFigure 22 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nCells Displaying a Dash\n\nInformation that is not applicable for the subject or comparable(s) displays an em-dash (—) in the sales comparison approach field. These are\ndocumented in “Supplement – Approaches to Value Grids” spreadsheet.\n"} diff --git a/chunks/json/9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc.json b/chunks/json/9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc.json new file mode 100644 index 0000000000000000000000000000000000000000..95d035e56dbc90697c9b35532ae6cbd88661ece0 --- /dev/null +++ b/chunks/json/9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40009,"char_start":38247,"chunk_id":"chk_f9ce76ee93110972","chunk_index":15,"chunk_sha256":"9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc","token_estimate":441,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"Aggregators can determine if they want to submit the UCD file to Fannie Mae for *their* correspondent lenders or request their correspondents to submit to Fannie Mae on their behalf. If the correspondent uploads the UCD file, we expect that the aggregator will want to receive the UCD Findings Report to ensure a successful upload and the correct Casefile ID for that loan.\n\nAggregators can instruct their correspondent lenders to upload the UCD file and then transfer the UCD file to the aggregator. Once the file is transferred, the aggregators will then be able to use the UCD collection solution to retrieve the transferred UCD data including the UCD Findings Report, PDF of the Closing Disclosure (if embedded), and the UCD XML file.\n\n**Q40. What functionality is available to assist correspondents – such as community banks and credit unions – whose banking systems are not able to produce a UCD dataset?**\n\nSellers can work with their correspondents to determine the best way to create and deliver the UCD file.\n\nThe UCD collection solution allows data entry of the UCD data from the Borrower Closing Disclosure. Once the data entry is complete, lenders can upload the Closing Disclosure PDF and submit the UCD file. Upon submission, a UCD Findings Report will be generated.\n\nSome technology solution providers may be able to provide direct integration capability with Fannie Mae that may assist with creating and delivering the UCD file.\n\n**Q41. If the UCD file has data changes (i.e. amendments to the Closing Disclosure) after an aggregator purchases a loan from a correspondent, can the aggregator resubmit the UCD? If so, are there special data requirements that must be met (such as identifying it as a previous submission from the correspondent)?**\n"} diff --git a/chunks/json/9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34.json b/chunks/json/9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34.json new file mode 100644 index 0000000000000000000000000000000000000000..ad366a7a406acef12019d772247478f3303ddcaf --- /dev/null +++ b/chunks/json/9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34.json @@ -0,0 +1 @@ +{"chunk":{"char_end":92831,"char_start":91228,"chunk_id":"chk_b80b8cd9bdaae492","chunk_index":100,"chunk_sha256":"9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34","token_estimate":407,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Outbuilding” sets as TAB, followed by “[Outbuilding Type]” (brackets do not set, they indicate a placeholder).\n\nAppendix E: Report Style Guide\n\nPage 49 of 90\n\nVersion 1.4\n\nLeft-hand side of page\n\n•\n\n“Considered Real Property,” “Units in Structure,” “Attached to Permanent Foundation,”\n“Structure Volume,” “Gross Building Area” set as TXR-B, TXR.\n\n• The following statement sets as TXC-I1 x 22 picas: “Gross Building Area for the outbuilding\n\nincludes area for vehicle storage, ADU(s), and any other uses”.\n\nRight-hand side of page\n\n• Photo of Outbuilding displays in right column, no caption\n\nDetail (H1)\n\nLeft-hand side of page\n\n•\n\n•\n\n“Heating” and “Cooling” set as CK1 with Yes/No (Y/N).\n\n“Utilities” sets as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\nIntroductory text: “The table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)” sets as TXC-I1.\n\nOutbuilding Area table\n\n• Column heads: “Finish,” “Total Area,” “Room Summary,” set as TCH in 3 equal column table x\n\n22 picas.\n\nOUTBUILDING AREA TABLE\n\n•\n\n“Finish” column, set TB “Finished”, “Unfinished”.\n\n• Content sets as TB.\n\n• Columns 1–3 equal width: ~28 characters max per line, in each cell.\n\nMechanical System Details (H1)\n\nLeft-hand side of page - Mechanical Systems table\n\n• Column heads: Column 1 – none; “System,” “Detail,” set as TCH in 3 column table x 22 picas.\n\n• Column 1:\n\n5 picas wide (~20 characters max)\n\n• Column 2:\n\n6 picas 7 points wide (~24 characters max)\n\n• Column 3:\n\n10 picas 5 points wide (~42 characters max)\n\n• Content sets as TB; Row 1, Column 1 “Heating”, Row 2, Column 1 “Cooling”.\n"} diff --git a/chunks/json/9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39.json b/chunks/json/9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39.json new file mode 100644 index 0000000000000000000000000000000000000000..9237eea2e103469edc73e34ea3709c39d775472d --- /dev/null +++ b/chunks/json/9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39.json @@ -0,0 +1 @@ +{"chunk":{"char_end":199613,"char_start":198016,"chunk_id":"chk_c38c4155412aba85","chunk_index":116,"chunk_sha256":"9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"23454 Sue Rd\nAnytown, IL 54321\n\n2\n\n3\n\n2 | 1\n\n2\n\n5\n\n$(15,000)\n\n2\n\n2\n\n$7,500\n\n3 | 1\n\n$(10,000)\n\n2 | 2\n\n$(3,500)\n\n2\n\n3\n\n2 | 1\n\n1,552 Sq. Ft.\n\n1,232 Sq. Ft.\n\n320 Sq. Ft.\n\n1,600 Sq. Ft.\n\n1,300 Sq. Ft.\n\n300 Sq. Ft.\n\n$0\n\n$0\n\n$0\n\n1,350 Sq. Ft.\n\n$25,250\n\n1,650 Sq. Ft.\n\n$(12,250)\n\n1,200 Sq. Ft.\n\n$0\n\n1,350 Sq. Ft.\n\n150 Sq. Ft.\n\n$3,400\n\n300 Sq. Ft.\n\n$0\n\n$0\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC2\n\nQ3\n\nQ4\n\nVinyl\n\nBasement\n\nComposition\n\nC1\n\nQ4\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nCommercial Grade\nAppliances\n\nCommercial Grade\nAppliances\n\nStock Grade Appliances\n\nCommercial Grade\nAppliances\n\nOverall Bathrooms\n\nMixture of Tile and Granite\n\nMixture of Tile and Granite\n\nMid-Grade Finishes\n\nMixture of Tile and Granite\n\nOverall Flooring\n\nNylon Short Loop and\nEngineered Wood\n\nNylon Short Loop and\nEngineered Wood\n\nWalls and Ceiling\n\n9 Ft. and 10 Ft. | Custom\n\n9 Ft. | Custom\n\nCondition\n\nC1\n\nC2\n\nStock Flooring\n\n8 Ft. | Stock\n\nC1\n\nNylon Short Loop and\nEngineered Wood\n\n9 Ft. | Custom\n\nC1\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQ3\n\nC1\n\nQ3\n\nC2\n\n$12,500\n\n$12,500\n\nQ4\n\nC1\n\nQ3\n\nC1\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nIndoor Fireplace - 2\n\nPatio | Porch\n\n$(2,000)\n\nDeck | Patio\n| Porch\n\nIndoor\nFireplace - 2\n\nDeck | Patio\n| Porch\n\nIndoor\nFireplace - 2\n\n$(2,000)\n\nPatio | Porch\n\nIndoor\nFireplace - 2\n"} diff --git a/chunks/json/9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac.json b/chunks/json/9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac.json new file mode 100644 index 0000000000000000000000000000000000000000..9fa8428f4c84cd73e2ca3a845123ad0659c34031 --- /dev/null +++ b/chunks/json/9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16369,"char_start":13715,"chunk_id":"chk_22b15f0639360159","chunk_index":7,"chunk_sha256":"9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be6881c7111e42f5","text_sha256":"9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac","token_estimate":784,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Single_Family_Public_Use_Database_Dashb_862d6.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"data\\/dashboard\\/enterprise-single-family-public-use-database\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db.json b/chunks/json/9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db.json new file mode 100644 index 0000000000000000000000000000000000000000..4bd14da22c135eb8d1e10f84acd9ce4332915e1f --- /dev/null +++ b/chunks/json/9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54354,"char_start":52755,"chunk_id":"chk_09cbb510182f7c9a","chunk_index":29,"chunk_sha256":"9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 18 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nSection\n#\n\nSection Name\n(Black Tab)\n\nPhoto or Image\n(Predefined Caption or\nGray Bar)\n\nIs there an Additional\nCaption\n(Free-form Text)?\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\n4\n\nSite\n(Continued)\n\nSite Influence\n\nPermanent Waterfront\nFeature\n\nWater Frontage\n\nView\n\nEncroachment\n\nSite Characteristic\n\nMap of Land\nComparables\nApparent Defects,\nDamages, Deficiencies –\nFeature\nExample: Downed Tree\n\nProperty Boundaries\n\nRequired, including the site\ninfluence type and any other\ndescriptive information as\nappropriate\nRequired, including the\nwaterfront feature type(s)\nand any other descriptive\ninformation as appropriate\nRequired, including the water\nfrontage type(s) and any\nother descriptive information\nas appropriate\nRequired, including the view\ntype and any other\ndescriptive information as\nappropriate\nRequired, including the\nencroachment type and any\nother descriptive information\nas appropriate\nRequired, including the site\ncharacteristic type and any\nother descriptive information\nas appropriate\nMay be provided to further\nidentify the image\n\nMay be provided to further\nidentify the photo or image\n\nMay be provided to further\nidentify the photo or image\n\nSee 4.025\n\nSee 4.032\n\nIf there is water frontage\nwith private access.\n\nSee 4.034\n\nPhotos are required of all\nviews that impact value\nor marketability.\n\nSee 4.039\n\nRequired if a physical\ndefect, damage, or\ndeficiency\n\nSite Exhibits\n\nRequired for each photo or\nimage\n\n5\n\n6\n\nDisaster\nMitigation\nEnergy\nEfficient and\nGreen\nFeatures\n\nDisaster Mitigation\nExhibits\n"} diff --git a/chunks/json/9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799.json b/chunks/json/9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799.json new file mode 100644 index 0000000000000000000000000000000000000000..014dca1661664e81b827854c76b72beb5081b91f --- /dev/null +++ b/chunks/json/9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23145,"char_start":21328,"chunk_id":"chk_a97f61c467599bbf","chunk_index":12,"chunk_sha256":"9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799","token_estimate":454,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"Freddie Mac Form 466 March 2005 226\n\nPage 4 of 6\n\nFannie Mae Form 1075 March 2005\n\n2\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n\n1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\n\n2. I have performed a visual inspection of the exterior areas of the subject property from at least the street. I have reported\nthe condition of the improvements in factual, specific terms. I have identified and reported the physical deficiencies that could\naffect the livability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice\nthat were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at\nthe time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for\nthis appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop\nthem, unless otherwise indicated in this report.\n\n5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for\nsale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject\nproperty for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.\n"} diff --git a/chunks/json/9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad.json b/chunks/json/9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad.json new file mode 100644 index 0000000000000000000000000000000000000000..eb680d1fe1939e07223da37f7e6c721396128197 --- /dev/null +++ b/chunks/json/9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":518112,"char_start":516468,"chunk_id":"chk_d0a63270b88a1568","chunk_index":305,"chunk_sha256":"9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UNIT\nDESCRIPTION\n\nCar Storage\nNone\n\nCar Storage Exists\nIndicator\n\nIndicates if there is any car storage\navailable for a residence such as a garage,\ncarport or driveway.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@_E\nxistsIndicator\n\n275\n\n2\n\n73\n\nUNIT\nDESCRIPTION\n\nCar Storage\nGarage\n\nCar Storage\nLocation Type\n\nSpecifies the location and type of the Car\nStorage Location.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR\n_STORAGE_LOCATION[@_Type='Garage']/@_ExistsIndicator\n\n12\n\n1\n\n20\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the porch. If no porch indicate 'None'.\n\nBoolean\n\nA value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box is not\nchecked.\n\nThis field should have a value of 'Y' if\nthe value indicated in field 2-65\n(Amenity Type Other Description) is\nnot equal to 'None'.\n\nString\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the other amenities. If there are no other\namenities indicate 'None'.\n\nA value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a disposal. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a microwave. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box was not\nchecked.\n"} diff --git a/chunks/json/9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a.json b/chunks/json/9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a.json new file mode 100644 index 0000000000000000000000000000000000000000..bcb5da61e7b024283da28f57117361be9af9cea6 --- /dev/null +++ b/chunks/json/9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29828,"char_start":27783,"chunk_id":"chk_c2d793e9b5a371af","chunk_index":16,"chunk_sha256":"9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a","token_estimate":511,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"- LinkedIn © 2026\n - [About](https://about.linkedin.com?trk=d_org_guest_company_overview_footer-about)\n - [Accessibility](https://www.linkedin.com/accessibility?trk=d_org_guest_company_overview_footer-accessibility)\n - [User Agreement](https://www.linkedin.com/legal/user-agreement?trk=d_org_guest_company_overview_footer-user-agreement)\n - [Privacy Policy](https://www.linkedin.com/legal/privacy-policy?trk=d_org_guest_company_overview_footer-privacy-policy)\n - [Your California Privacy Choices](https://www.linkedin.com/legal/california-privacy-disclosure?trk=d_org_guest_company_overview_footer-california-privacy-rights-act)\n - [Cookie Policy](https://www.linkedin.com/legal/cookie-policy?trk=d_org_guest_company_overview_footer-cookie-policy)\n - [Copyright Policy](https://www.linkedin.com/legal/copyright-policy?trk=d_org_guest_company_overview_footer-copyright-policy)\n - [Brand Policy](https://brand.linkedin.com/policies?trk=d_org_guest_company_overview_footer-brand-policy)\n - [Guest Controls](https://www.linkedin.com/psettings/guest-controls?trk=d_org_guest_company_overview_footer-guest-controls)\n - [Community Guidelines](https://www.linkedin.com/legal/professional-community-policies?trk=d_org_guest_company_overview_footer-community-guide)\n - - العربية (Arabic)\n - বাংলা (Bangla)\n - Čeština (Czech)\n - Dansk (Danish)\n - Deutsch (German)\n - Ελληνικά (Greek)\n - **English (English)**\n - Español (Spanish)\n - فارسی (Persian)\n - Suomi (Finnish)\n - Français (French)\n - हिंदी (Hindi)\n - Magyar (Hungarian)\n - Bahasa Indonesia (Indonesian)\n - Italiano (Italian)\n - עברית (Hebrew)\n - 日本語 (Japanese)\n - 한국어 (Korean)\n - मराठी (Marathi)\n - Bahasa Malaysia (Malay)\n - Nederlands (Dutch)\n - Norsk (Norwegian)\n - ਪੰਜਾਬੀ (Punjabi)\n - Polski (Polish)\n - Português (Portuguese)\n - Română (Romanian)\n - Русский (Russian)\n - Svenska (Swedish)\n - తెలుగు (Telugu)\n - ภาษาไทย (Thai)\n - Tagalog (Tagalog)\n - Türkçe (Turkish)\n - Українська (Ukrainian)\n - Tiếng Việt (Vietnamese)\n - 简体中文 (Chinese (Simplified))\n - 正體中文 (Chinese (Traditional))\n Language\n"} diff --git a/chunks/json/9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436.json b/chunks/json/9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436.json new file mode 100644 index 0000000000000000000000000000000000000000..c4a1084dec3ae4b3cba93b95392f9dbf0ba9f06d --- /dev/null +++ b/chunks/json/9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436.json @@ -0,0 +1 @@ +{"chunk":{"char_end":75234,"char_start":73603,"chunk_id":"chk_fd4704f85061f7d7","chunk_index":37,"chunk_sha256":"9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"▪ Data points in this structure are identified as a GSE extension with the prefix “gse:”.\n\n▪ See “Section III.A. File Setup” for instructions on how to enable the receiving system\n\nto recognize gse: data points.\n\nLIABILITY_HOLDER/NAME\n\nHolds the name data for the liability creditor.\n\n999.040\n\nPAYOFF\n\nHolds the amount of the liability that has been paid off.\n\nN O T E : Two instances of LIABILITY that documented how to provide data supporting the Summaries of Transactions\nSELLER’S TRANSACTION have been removed from UCD v2.0 because this data is not required.\n\n1. LIABILITY PAID OFF AS PART OF TRANSACTION\n\nWhen the borrower pays off outstanding debt as part of the closing transaction, the satisfaction of the liability(ies) is\n\ndisclosed. Liabilities to be paid off can include:\n\na. Payoffs of existing liens secured by the property (mortgages, deeds of trust, judgments, mechanics’ and\n\nmaterialman’s liens, and local, State and Federal tax liens).\n\nb. Payments of unsecured outstanding borrower debts.\n\nc. Payments to other third parties for outstanding borrower debts (but not for settlement services) as required to be\n\npaid as a condition for the extension of credit.\n\nThe UCD v2.0 Spec “Field ID” column and the following figure indicate that each liability line item data in the XML file can\nbe rendered in one of two separate locations—either on the Model form (for a purchase or refinance) or the Alternate form\n(refinance only).\n\nUCD v2.0 Implementation Guide\n\n- 26 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nModel Form\n\nAlternate Form\n\nFigure 19. Rendering Liability Data on the CD.\n"} diff --git a/chunks/json/9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559.json b/chunks/json/9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559.json new file mode 100644 index 0000000000000000000000000000000000000000..d03e6753712e1150a564fd8f597f1dd9e2066460 --- /dev/null +++ b/chunks/json/9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14223,"char_start":13771,"chunk_id":"chk_c919a92f6649a4cd","chunk_index":22,"chunk_sha256":"9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Supervisory Appraiser .................................................................................................................................................................................................. 55\n\nSIGNATORY to ROLE .................................................................................................................................................................................................................. 56\n"} diff --git a/chunks/json/9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198.json b/chunks/json/9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198.json new file mode 100644 index 0000000000000000000000000000000000000000..8cd20023ef839e0224070ec7dadeeb435e7303db --- /dev/null +++ b/chunks/json/9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1719,"char_start":0,"chunk_id":"chk_e0d2d3ba5633373b","chunk_index":0,"chunk_sha256":"9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0a06e29c0879ae3d","text_sha256":"9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Dashboards___FHFA_1pqohj.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/dashboard\"\ndate_accessed: \"2026-01-27T17:54:20.540Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1.json b/chunks/json/9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1.json new file mode 100644 index 0000000000000000000000000000000000000000..55de2beed174a01f0c63eebd167c8b47407f3f72 --- /dev/null +++ b/chunks/json/9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":601981,"char_start":600350,"chunk_id":"chk_60f121437070ebb2","chunk_index":355,"chunk_sha256":"9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\n396\n\n3\n\ne-29\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Listing Status\nType\n\nIndicates the status for the comparable\nlisting or sale presented.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEListingStatusType\n\n11\n\nEnumerated\n\nAllowable Values PDF Allowable Values\nActive Active\nExpired e\nWithdrawn w\nContract c\nSettledSale s\n\n397\n\n3\n\ne-30\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Short Date\nDescription\n\nThe MMYY of the associated comparable\nstatus.\n\n398\n\n3\n\ne-31\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Contract Date\nUnknown Indicator\n\nIndicates if the contract date is\nunavailable for a comparable settled sale.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DATE_EXTENSION/COMPARISON_DATE_EXTENSION_SECTION[@Ext\nensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DATE_EXTENSION_SECTION_DATA/OFFERI\nNG_DISPOSITION/@GSEShortDateDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEContractDateUnknownIndicator\n\n5\n\n3\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"} diff --git a/chunks/json/9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94.json b/chunks/json/9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94.json new file mode 100644 index 0000000000000000000000000000000000000000..f0b7d36b7142e9149c8c527b02dad9c194de7456 --- /dev/null +++ b/chunks/json/9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26278,"char_start":24675,"chunk_id":"chk_2d2633e37cee6a07","chunk_index":15,"chunk_sha256":"9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Fee Simple\n\nNo\n\nMLS 87598763 |\nAssessor Record\n\n6.32 Miles NE\n\n$510,000\n\nSettled Sale\n\n$499,900\n\nMLS 65478326 |\nAssessor Record\n\n9.09 Miles SE\n\n$345,000\n\nSettled Sale\n\n$345,000\n\nShort Sale\n\n$35,000\n\nTypically\nMotivated\n\nNo\n\n06/05/2019\n\n07/04/2019\n\n29\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\nNo\n\n$0\n\n03/30/2018\n\n$5,000\n\n05/10/2019\n\n$0\n\n406\n\nDetached\n\nFee Simple\n\nNo\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\nNo\n\nNo\n\nNo\n\nStreet Type | Surface\n\nRural Road | Gravel\n\n5 Acres\n\nMagic Hill\n\nNo Hazard Zone Noted\n\n4.93 Acres\n\nMagic Hill\n\nNo Hazard\nZone Noted\n\nRural Road\n| Gravel\n\nLake | Overhead Electric\nPower Transmission Line\n\nLake | Park\n\n$(5,000)\n\nLandfill\n\nLandfill\n\n$0\n\n5 Acres\n\n$(25,000)\n\n1 Acre\n\n$30,000\n\nDiagonal Alley\n\n$(5,000)\n\nMagic Hill\n\nNo Hazard\nZone Noted\n\nCul-de-Sac |\nConcrete\n\nCanal | Gated\nCommunity\n\nUnderground\nStorage Tank\n\n$0\n\nFEMA Special\nFlood Hazard\nArea\n\nRural Road\n| Gravel\n\n$(10,000)\n\n$(10,000)\n\nPark | River\n\n$(5,000)\n\n$0\n\nRadon\n\n$0\n\nLake | Full\nHigh Voltage Power Lines |\nSeasonal\nWoods | Partial\n\nWoods | Full\n\n$(3,000)\n\nValley | Full\n\n$(3,000)\n\nWoods | Full\n\n$(3,000)\n\nWater Frontage with Private Access\n\n$(5,000)\n\n$15,000\n\n$30,000\n\nWater Frontage\n\nPermanent Waterfront\nFeature\n\nRight to Build\n\nTotal Linear Measurement\n\nDwelling(s)\n\nYear Built\n\nLake | Lake Virginia\n| Shallow Water\n\nDock | Pier\n\n—\n\n40 Ft.\n\nLake | Lake Virginia\n| Shallow Water\n\nCanal | Deep Water\n\nNone\n\nYes\n\n40 Ft.\n\nDock | Pier\n\n—\n\n10 Ft.\n\n—\n\n—\n\n—\n\n—\n\n2019\n\n1989\n\n$10,000\n\n2001\n\n$0\n\n1981\n\n$10,000\n\nConstruction Method\n\nManufactured Home Width\n\nManufactured\n\nManufactured\n\nManufactured\n"} diff --git a/chunks/json/9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390.json b/chunks/json/9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390.json new file mode 100644 index 0000000000000000000000000000000000000000..64164435b2f2bae53367d4682a8aa3a076e8eb99 --- /dev/null +++ b/chunks/json/9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10712,"char_start":8938,"chunk_id":"chk_6f70bd73d2a86fa8","chunk_index":5,"chunk_sha256":"9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390","token_estimate":444,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Commentary and Free-form Comments\n\nSection commentary must be entered in the applicable section:\n• Appraisal Update Commentary (03.003)\n• Assignment Information and Scope of Work Commentary (04.047)\n\nIn addition, there are tables that include space for comments or descriptions. Concise comments should be\nentered in the applicable section as opposed to typing in “see below.”\n\nPhotos and Images\n\nWith the exception of the following, all photos and images display in Appraisal Update Exhibits.\n• A photo displays at the top of the Subject Property section.\n•\n\nLegal Description image, if applicable, displays in the Legal Description subsection of the Subject Property\nsection (01.004).\n\nIdentifying and Describing Photos and Images\n\nThe appraiser must identify each photo or image from the list in the table below.\n• For most photos or images, there is a predefined caption or gray bar that automatically displays.\n• Depending on the photo or image,\n\no An additional caption must be provided, or\no An additional caption may be provided to further identify the photo or image, or\no There is no additional caption.\n\n• The table below indicates when photos are required per the Reference Guide.\n\no Example: A photo (“Property Photo”) must be displayed at the top of the Subject Property section.\no Reference published guidelines by the GSEs, government agencies, or other identified secondary\n\nmarket participants for specific guidance as to when a photo or image is required.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 6 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nNotes:\n• The same photo can be identified and displayed in more than one section.\n• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset.\n"} diff --git a/chunks/json/9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed.json b/chunks/json/9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed.json new file mode 100644 index 0000000000000000000000000000000000000000..d64401906361771d786c0772d9eb3b5826fe4f4c --- /dev/null +++ b/chunks/json/9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16523,"char_start":14916,"chunk_id":"chk_53888134478dd5c9","chunk_index":9,"chunk_sha256":"9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Property Valuation\nMethod\n\nA value that specifies the method by which the property value was assessed\n(e.g., Desktop Appraisal; Exterior Appraisal; Hybrid Appraisal; Traditional\nAppraisal).\n\nUnits Excluding ADUs\n\nThe number of separate living units in the subject property, excluding any\naccessory dwelling units.\n\nAccessory Dwelling\nUnits (FRE) / Number of\nADUs (FNM)\n\nThe total number of accessory dwelling units in the subject property (e.g., in-\nlaw quarters, apartment over a garage, etc).\n\nAppears on\n[FNM, FRE, Both] *\nBoth\n\nBoth\n\nBoth\n\nProject Legal Structure A value that specifies the form of ownership of a project. The Project Legal\n\nBoth\n\nStructure Type defines the quality and quantity of project ownership and\nrights accruing to the individual unit owner (e.g., Condominium; Condop;\nCooperative).\n\nConstruction Method\n\nA value that represents the manner in which the structure was constructed\n(e.g., Container; Manufactured; Modular; On Frame Modular; Other;\nSiteBuilt; Three-Dimensional Printing Technology).\n\nBoth\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nTip: For additional information on mapping legacy forms to the URAR property type characteristics, download the\n“Functioning without Form Numbers” resource guide by visiting either GSE’s UAD webpage: Uniform Appraisal Dataset |\nFannie Mae or the Uniform Appraisal Dataset | Freddie Mac.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n"} diff --git a/chunks/json/9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47.json b/chunks/json/9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47.json new file mode 100644 index 0000000000000000000000000000000000000000..b4e46ae04dd756043cc92e268abf3c5cb76bb479 --- /dev/null +++ b/chunks/json/9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47.json @@ -0,0 +1 @@ +{"chunk":{"char_end":441251,"char_start":439619,"chunk_id":"chk_b05f2b7cb37f7661","chunk_index":261,"chunk_sha256":"9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The space or land within the project that is adjacent to or facing a body of water.\nNote: Choose this answer if the water frontage is commonly available for use by all owners and guests to the project. If the\nwater frontage is intended for the exclusive use of the subject unit, reference the Site section.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nObserved Deficiencies\n\nProject Information: Observed Deficiencies\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.014 Observed\n\nDeficiencies\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nThe appraiser must observe the overall project.\n•\n\nIndicate Yes if there are deficiencies, deferred maintenance, and / or\ncritical repairs that impact the value and / or marketability of the subject\nproperty.\n\nNote: If a physical deficiency, a photo must be provided, that displays in Project\nInformation Exhibits with the caption “Observed Deficiency”. An additional\ncaption must be provided that includes the specific deficiency, location, and\nany other descriptive information as appropriate.\n\n18.015 Description of\n\nDeficiencies\n\nRequired if Observed\nDeficiencies is Yes\n\nFree-form\n\nProvides details and description of observed project deficiencies.\n\nAppendix F-1: URAR Reference Guide\n\nPage 187 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nProject Completeness\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.016 Are units,\n\ncommon areas,\nand amenities in\nproject\ncomplete?\n\n18.017\n\nSubject Property\nBuilding\nComplete\n"} diff --git a/chunks/json/9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3.json b/chunks/json/9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3.json new file mode 100644 index 0000000000000000000000000000000000000000..3b91c6caff3ddf64b4df639f95a0e0abb85e719c --- /dev/null +++ b/chunks/json/9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3385,"char_start":1666,"chunk_id":"chk_50adf215d0b4c8e8","chunk_index":1,"chunk_sha256":"9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3","date_utc":"2026-01-27T17:47:14+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3a94cd501f6e2a24","text_sha256":"9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae6/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae6.md"]},"text":"This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.\n\n[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide)\n\nThis zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.\n\n[**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide)\n\nThis zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids.\n\n[**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide)\n\nThis document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.\n\n[**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar)\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.\n\n[**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification)\n"} diff --git a/chunks/json/9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00.json b/chunks/json/9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00.json new file mode 100644 index 0000000000000000000000000000000000000000..07261448c248782a394866702bcb93a886c9a78e --- /dev/null +++ b/chunks/json/9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58229,"char_start":57557,"chunk_id":"chk_123fe2a815516686","chunk_index":91,"chunk_sha256":"9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00","token_estimate":566,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Subject Property Information in the Sales Comparison Approach ........................................................................................................................................... 276\n\nFields That Are Not Applicable ................................................................................................................................................................................................. 277\n\nAdditional Rows........................................................................................................................................................................................................................ 278\n"} diff --git a/chunks/json/9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff.json b/chunks/json/9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff.json new file mode 100644 index 0000000000000000000000000000000000000000..b5d0888741d5b03a2c0410d89009a8ae4a449b72 --- /dev/null +++ b/chunks/json/9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14270,"char_start":12344,"chunk_id":"chk_050136cbbb3de7c0","chunk_index":7,"chunk_sha256":"9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff","token_estimate":482,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"Yes. To promote robust competition and provide further flexibility for consumers and lenders, the Enterprises will allow lenders to determine which credit score model to use on each loan they deliver. FHFA and the Enterprises will implement appropriate risk mitigants to ensure ongoing safety and soundness.\n\n### **Will this result in changes to credit reporting requirements?**\n\nNot initially. The inclusion of VantageScore 4.0 credit scores will not change the Enterprises’ current credit reporting requirements (e.g., tri-merge/bi-merge credit reporting). By keeping these requirements as they exist today to the greatest extent possible, FHFA is seeking to minimize the cost and complexity of this transition.\n\n### **What resources are available to assist in this transition?**\n\nIn July 2024, the Enterprises released historical VantageScore 4.0 credit scores associated with a decade’s worth of loan acquisitions – spanning tens of millions of loans. This information has allowed stakeholders to better understand the score distribution and performance of the VantageScore 4.0 model. The historical VantageScore 4.0 credit scores can be accessed [here](https://historicalcreditscores.fanniemae.com/) and [here](https://sf.freddiemac.com/general/credit-score-models).\n\nFannie Mae and Freddie Mac will also continue to update their coordinated implementation websites, which can be found [here](https://singlefamily.fanniemae.com/originating-underwriting/credit-score-models) and [here](https://sf.freddiemac.com/general/credit-score-models).\n\n### **When will these changes take effect?**\n\nThe Enterprises are completing the final steps for delivery of loans scored using VantageScore 4.0. The Enterprises will keep sellers/servicers and other market participants apprised of next steps. Each Enterprise will then update its Selling Guide policies; until then, existing Selling Guide and other requirements remain in place.\n"} diff --git a/chunks/json/9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b.json b/chunks/json/9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b.json new file mode 100644 index 0000000000000000000000000000000000000000..02dabc890fde345a6663068cd5a916aeab6341ff --- /dev/null +++ b/chunks/json/9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":468507,"char_start":466696,"chunk_id":"chk_8215f8dc834fd4d5","chunk_index":270,"chunk_sha256":"9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b","token_estimate":453,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its\nproximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of\nthe property value and have reported on the effect of the conditions on the value and marketability of the subject property.\n\n19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n"} diff --git a/chunks/json/9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78.json b/chunks/json/9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78.json new file mode 100644 index 0000000000000000000000000000000000000000..12682dc78ee8ef9c52e02636fc5100cf9d8c66eb --- /dev/null +++ b/chunks/json/9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1822,"char_start":1763,"chunk_id":"chk_a1f059da40e98a1b","chunk_index":1,"chunk_sha256":"9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c76d90838bfb181d","text_sha256":"9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78","token_estimate":15,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/overview-du-specification.pdf","below_target_min_tokens"]},"text":"© 2022 Fannie Mae. Trademarks of Fannie Mae.\n\nOctober 2022\n"} diff --git a/chunks/json/9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055.json b/chunks/json/9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055.json new file mode 100644 index 0000000000000000000000000000000000000000..98443c64be765bb652df88cb6f1e0a6021db15e0 --- /dev/null +++ b/chunks/json/9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055.json @@ -0,0 +1 @@ +{"chunk":{"char_end":973572,"char_start":971971,"chunk_id":"chk_78ef99502015ab34","chunk_index":580,"chunk_sha256":"9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either field 3-127 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 3-128, 3-129 , 3-130\n(other values of Valuation Reconciliation\nCondition of Appraisal Type) must be\nindicated. If field 3-127 is indicated, then\nnone of fields 3-128, 3-129 , 3-130 may be\nindicated.\n\nIf any of fields 3-128, 3-129, 3-130 (values\nof Valuation Reconciliation Condition of\nAppraisal Type) are indicated, this field\nshould be populated.\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 165 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n477\n\n3\n\n132\n\nRECONCILIATION Market Value\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a valid\nproperty valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount\n\n12\n\nMoney\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be represented\nconsistently.\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be represented\nconsistently.\n\n133\n\nRECONCILIATION As of (Effective Date)\n\nAppraisal Effective\nDate\n\nEffective date of the appraisal report on\nthe subject property.\n\n/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate\n\n478\n\n479\n\n480\n\n481\n\n482\n\n483\n\n484\n\n485\n\n486\n"} diff --git a/chunks/json/9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4.json b/chunks/json/9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4.json new file mode 100644 index 0000000000000000000000000000000000000000..3f3cae247148f88adc55fe595e20e8109f120eca --- /dev/null +++ b/chunks/json/9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18177,"char_start":13300,"chunk_id":"chk_bba4b615ba48769c","chunk_index":8,"chunk_sha256":"9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_804a7fc1535bc1e6","text_sha256":"9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4","token_estimate":1002,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Conforming_Loan_Limit_Values___FHFA_94vzus.md"]},"text":"[FHFA Announces Conforming Loan Limit Values for 2026](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026) (11/25/2025)\n[FHFA Announces Conforming Loan Limit Values for 2025](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2025) (11/26/2024)\n[FHFA Announces Maximum Conforming Loan Limits for 2024](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2024) (11/28/2023)\n[FHFA Announces Maximum Conforming Loan Limits for 2023](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2023) (11/29/2022)\n[FHFA Announces Maximum Conforming Loan Limits for 2022](/news/news-release/fhfa-announces-conforming-loan-limits-for-2022) (11/30/2021)\n[FHFA Announces Maximum Conforming Loan Limits for 2021](/news/news-release/fhfa-announces-conforming-loan-limits-for-2021) (11/24/2020)\n[FHFA Announces Maximum Conforming Loan Limits for 2020](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2020) (11/26/2019)\n[FHFA Announces Maximum Conforming Loan Limits for 2019](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2019) (11/27/2018)\n[FHFA Announces Maximum Conforming Loan Limits for 2018](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2018) (11/28/2017)\n[FHFA Announces Increase in Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac in 2017](/news/news-release/fhfa-announces-increase-in-maximum-conforming-loan-limits-for-fannie-mae-and-freddie-mac-in-2017) (11/23/2016)\n[2016 Maximum Conforming Loan Limits Established for Fannie Mae and Freddie Mac](/news/news-release/2016-maximum-conforming-loan-limits-established-for-fannie-mae-and-freddie-mac) (11/25/2015)\n[FHFA Announces 2015 Conforming Loan Limits: Unchanged in Most of the U.S.](/news/news-release/fhfa-announces-2015-conforming-loan-limits-unchanged-in-most-of-the-u.s.) (11/24/2014)\n[FHFA Seeks Public Input on Proposed Gradual Decrease of Future Fannie Mae and Freddie Mac Loan Purchase Limits](/news/news-release/fhfa-seeks-public-input-on-proposed-gradual-decrease-of-future-fannie-mae-and-freddie-mac-loan) (12/16/2013)\n[FHFA Announces Fannie Mae and Freddie Mac Conforming Loan Limits for 2014](/news/news-release/fhfa-announces-fannie-mae-and-freddie-mac-conforming-loan-limits-for-2014) (11/16/2013)\n[Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged in 2013](/news/news-release/maximum-conforming-loan-limits-for-fannie-mae-and-freddie-mac-to-remain-unchanged-in-2013) (11/29/2012)\n[Maximum Conforming Loan Limits to Remain Unchanged in All Counties But One in 2012](/news/news-release/maximum-conforming-loan-limits-to-remain-unchanged-in-all-counties-but-one-in-2012) (11/22/2011)\n[Maximum Conforming Loan Limits to Remain Unchanged in the First Nine Months of 2011](/news/news-release/maximum-conforming-loan-limits-to-remain-unchanged-in-the-first-nine-months-of-2011) (11/19/2010)\n[Maximum Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged for 2010](/news/news-release/maximum-loan-limits-for-fannie-mae-and-freddie-mac-to-remain-unchanged-for-2010) (11/12/2009)\n[2009 Conforming Loan Limits Increased by American Recovery and Reinvestment Act](/news/news-release/2009-conforming-loan-limits-increased-by-american-recovery-and-reinvestment-act) (2/23/2009)\n[2009 Conforming Loan Limits Raised In Two Counties](/news/news-release/2009-conforming-loan-limits-raised-in-two-counties) (12/23/2008)\n[Conforming Loan Limit for U.S.\n"} diff --git a/chunks/json/9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282.json b/chunks/json/9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282.json new file mode 100644 index 0000000000000000000000000000000000000000..b19a8611a678fb0bea99e1cd2d4d22ed0f9491a4 --- /dev/null +++ b/chunks/json/9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282.json @@ -0,0 +1 @@ +{"chunk":{"char_end":355078,"char_start":353440,"chunk_id":"chk_c1bb23a55bd80944","chunk_index":205,"chunk_sha256":"9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Q3\n\nC2\n\nQ3\n\nC3\n\n$10,000\n\nPatio | Porch\n\nDeck | Porch\n\n$(5,000)\n\nDriveway | 4 | Pavers\nGarage | 2 | Attached\n400 Sq. Ft.\n\nDriveway | 2 | Concrete\nGarage | 2 | Attached\n400 Sq. Ft.\n\n$0\n\n—\n\n—\n\n$285,000\n\n$275,000\n\n—\n\n$270\n\n$195\n\n$285,270\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$275,000\n\nReconciliation of Sales Comparison Approach\n\nThe comparables selected represent the best available market activity in the prior 6 months. Comparables 1, 3, and 4 are CHOICEHomes or\nMHAdvantage.\n\nComparable #1 is similar to the subject in age, quality and condition. However, was given less weight due to the water view, superior lot size\nand living area. The view is a full view of a non-navigable pond with access limited to the properties that have direct waterfront.\n\nComparable #2 was given less weight as it does not have the finishes and upgrades that the subject and other comparables have, has not been\nupdated, and has less living area as compared to the subject.\n\nComparable #3 was given most weight as it is similar to the subject in age, quality and condition and is the most comparable in living area.\n\nComparable #4 was also given most consideration as it represents the most recent market activity, is similar in living area and most similar\nin quality, condition, features and amenities. Comp #4 receives a location adjustment as it is located within a mile of a large lake with public\naccess, boat ramp, and rentable dock space and boat storage.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n"} diff --git a/chunks/json/9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed.json b/chunks/json/9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed.json new file mode 100644 index 0000000000000000000000000000000000000000..36c73a85463cab3e48d8e3eeaed7d6b37e234beb --- /dev/null +++ b/chunks/json/9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":810692,"char_start":809090,"chunk_id":"chk_4133a479d41665f0","chunk_index":481,"chunk_sha256":"9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 2-23, 2-24, 2-25\n(values of Project Analysis Competitive\nProject Comparison Type) should be\nindicated.\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\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 143 of 211\n\nDocument Version 1.4\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n226\n\n227\n\n228\n\n229\n\n230\n\n231\n\n232\n\n233\n\n234\n\n235\n\n236\n\n237\n\n238\n\n239\n\n240\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n24\n\n25\n\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n\n38\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nCompared to other competitive projects\nof similar quality and design, the subject\nunit charge appears\nAverage\n\nCompared to other competitive projects\nof similar quality and design, the subject\nunit charge appears\nLow\n\nProject Analysis\nCompetitive Project\nComparison Type\n\nProject Analysis\nCompetitive Project\nComparison Type\n\nSpecifies the type of competition the\nproject faces.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_CompetitiveProjectComparisonType='Average']\n\nSpecifies the type of competition the\nproject faces.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_CompetitiveProjectComparisonType='Low']\n\nData Point Field\nLength\n\n7\n\n7\n\nEnumerated\n\nEnumerated\n\nPROJECT\nANALYSIS\n\nIf High or Low, describe\n\nProject Analysis\nCompetitive Project\nComparison\nDescription\n\nA free-form text field describing the\ndifferences, relative values, and effect of\ncompetitive projects.\n"} diff --git a/chunks/json/9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050.json b/chunks/json/9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050.json new file mode 100644 index 0000000000000000000000000000000000000000..d8fbe5a785ffb20a2164bd59b3c30e4a2c0ff0c4 --- /dev/null +++ b/chunks/json/9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3129,"char_start":1698,"chunk_id":"chk_8c57cc54336c84b0","chunk_index":1,"chunk_sha256":"9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8de04e3e931b13cb","text_sha256":"9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050","token_estimate":358,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-feb-10-2024.pdf"]},"text":"Verification of Employment Alternatives\n\nSelling Guide Announcement SEL-2023-11 updated the verbal verification of employment requirements. The DU verbal VOE\nmessage will be updated to reflect the policy update.\n\nCollection Messages\n\nThe Selling Guide specifies when collection accounts need to be paid in full prior to close. The collection messages issued by DU\nwill include all collections reported on the credit report, even if they are shown on the loan application and indicated that the\naccount will be paid by closing.\n\nLoan Amount Validation\n\nDU will issue an Error recommendation on purchase transactions when the loan amount provided on the loan application is\ngreater than the sales price. The sales price includes the purchase price, amount of improvements or repairs (including energy\nimprovements), and the cost of land on an interim construction loan.\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\n\n© 2023 Fannie Mae.\n\n12.13.23 1 of 2\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an\nIntegration Impact Memo will be posted on the Technology Integration page.\n\n© 2023 Fannie Mae.\n\n12.13.23\n\n2 of 2\n"} diff --git a/chunks/json/9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119.json b/chunks/json/9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119.json new file mode 100644 index 0000000000000000000000000000000000000000..fcf405cf158001e6c139c6d52fed53af02624de3 --- /dev/null +++ b/chunks/json/9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119.json @@ -0,0 +1 @@ +{"chunk":{"char_end":309530,"char_start":307900,"chunk_id":"chk_47998354ecbc5867","chunk_index":177,"chunk_sha256":"9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"b. Selling Real Estate Agent Data – If Purchase and Applicable\n\nFor Real Estate Agents, an additional container and data point are included in the XML file under ROLE:\nREAL_ESTATE_AGENT/RealEstateAgentType. If the Borrower used a Real Estate Agent to facilitate the purchase, the data\npoint RealEstateAgentType = “Selling” must be provided with PartyRoleType = “RealEstateAgent”.\n\nIn the majority of cases, the Real Estate Agent will charge the Borrower for their services, and a ucd:FeeItemType =\n“RealEstateCommissionBuyersBroker” is expected in the XML file. In UCD v2.0, if this enumeration is present, two PARTY\ncontainers with PartyRoleType = “RealEstateAgent” AND RealEstateAgentType = “Selling” must also be present.\n\nc. Listing Real Estate Agent Data – If Purchase and Applicable\n\nIf the Property Seller used a Real Estate Agent to facilitate the sale, the data point RealEstateAgentType = “Listing” must\n\nbe provided with PartyRoleType = “RealEstateAgent”.\n\nIn the majority of cases, the Real Estate Agent will charge the Property Seller for their services, and a ucd:FeeItemType =\n“RealEstateCommissionSellersBroker” is expected in the XML file. In UCD v2.0, if this enumeration is present, two PARTY\ncontainers with PartyRoleType = “RealEstateAgent” AND RealEstateAgentType = “Listing” must also be present.\n\nNo license information is collected for real estate agents.\n\nUCD v2.0 Implementation Guide\n\n- 143 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 118. XML Snippet – Example of Conditional PARTY Data.\n\n\n…\n \n\n\n\n