diff --git a/chunks/txt/4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0.txt b/chunks/txt/4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0.txt new file mode 100644 index 0000000000000000000000000000000000000000..308265e3b8312229a204a7179b3a5cd6fad3e358 --- /dev/null +++ b/chunks/txt/4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0.txt @@ -0,0 +1,35 @@ +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 45 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +defined by the values in ConversionOptionPeriodEffectiveDate and +ConversionOptionPeriodExpirationDate. + +4. PER_CHANGE_ADJUSTMENT_RULES / PER_CHANGE_ADJUSTMENT_RULE +This set of rules is expected to repeat twice, with each rule identified by the value of +AdjustmentRuleType as either “First” or “Subsequent.” If the value of +AdjustmentRuleType is “First,” then the instance of the +PER_CHANGE_ADJUSTMENT_RULE consists of instructions governing the initial +interest rate or payment change. If the value of AdjustmentRuleType is “Subsequent,” +then the instance of the PER_CHANGE_ADJUSTMENT_RULE consists of instructions +governing the interest rate changes that follow the “First” rate or payment change. +Typically, the Subsequent adjustment rules remain in place once they become +effective. + +a. Adjustable Rate Loans: If the ARM has an initial fixed period, the +PER_CHANGE_ADJUSTMENT_RULE data govern the rate change that commences at the +end of the fixed rate period. It specifies for this initial rate change, rate change +maximums and minimums, calculation method, and rule duration (among other +things). The “Subsequent” PER_CHANGE_ADJUSTMENT_RULE provides instructions +for all following rate changes. + +b. Adjustable Payment Loans: The PER_CHANGE_ADJUSTMENT_RULE with +AdjustmentRuleType of “First” governs the initial payment change period. It specifies +payment percentage and dollar increase and decrease maximums and minimums, +calculation method, and rule duration (among other things). The “Subsequent” +PER_CHANGE_ADJUSTMENT_RULE provides instructions for all following payment +changes. diff --git a/chunks/txt/4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e.txt b/chunks/txt/4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e.txt new file mode 100644 index 0000000000000000000000000000000000000000..1302512d736f448673fe7245cf3e9e0c40d81459 --- /dev/null +++ b/chunks/txt/4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e.txt @@ -0,0 +1,23 @@ +To schedule your verification with the GSEs, please contact one of the below GSE contacts: +• +• + +Fannie Mae: Hannah Redmond, hannah_redmond@fanniemae.com +Freddie Mac: Bailie Jones, bailie_jones@freddiemac.com + +As you use each GSE’s UAD Compliance API, please notify the same GSE contacts if you notice any discrepancies between the +results provided by the API and the UAD 3.6 Compliance Rules listed on the GSEs’ websites. + +If you are interested in an integration to the Fannie Mae UAD Compliance API, follow the link to the TSP Intake Form +below. + +TSP Intake Form + +We will review your information and contact you with the next steps including contractual requirements and credential setup +to access our API Developer Portal. + +Otherwise, please ensure you have access to our API Developer Portal and respond to this email to inform me of your timeline +for building to the API. Additional resources for the Uniform Appraisal Data (UAD) Compliance API (UCA) can be reached via +Fannie Mae’s Technology Integration Resources. + +© 2025 Fannie Mae 5.19.25 Page 1 of 1 diff --git a/chunks/txt/4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e.txt b/chunks/txt/4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8b727a36b73b3c53ead8d014154d58a6c58a3d28 --- /dev/null +++ b/chunks/txt/4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e.txt @@ -0,0 +1,7 @@ +Data Mapping and PDF Rendering Information .................................................................................................................................................................. 13 + +03 Appraisal Update ________________________________________________________________________________________________________ 14 + +Overview .............................................................................................................................................................................................................................. 14 + +Data Mapping and PDF Rendering Information .................................................................................................................................................................. 14 diff --git a/chunks/txt/4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b.txt b/chunks/txt/4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b.txt new file mode 100644 index 0000000000000000000000000000000000000000..04205fae68fce2264e10fa90822280b7f72642ed --- /dev/null +++ b/chunks/txt/4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b.txt @@ -0,0 +1,51 @@ +• Is a 100% newly constructed dwelling that does not exhibit physical +depreciation. + +A dwelling in C2 condition: + +• Has been recently constructed (within the past 36 months), and +otherwise exhibits virtually no wear and tear, but is no longer new due +to occupancy or use (e.g., model home), or + +• Has been fully remodeled "to the studs" including new major +components; a new dwelling built utilizing the footprint or façade of a +pre-existing dwelling; or a newly converted condo/co-op in a pre- +existing building. + +A dwelling in C3 condition will likely have: + +• Components or rooms that are older but have been very well +maintained or experienced minimal use, and show little or no physical +depreciation, or + +• Major components or rooms that have been recently updated, but +which do not constitute a full-home renovation/remodel. + +Examples of major components include but are not limited to a +combination of (one or more): + +• Newer roof + +• Some newer mechanicals + +• New / newer floor coverings + +• Remodeled kitchen or bathroom(s) + +The dwelling has been adequately +maintained and exhibits moderate wear +and tear resulting from occupancy and +exposure to elements. The dwelling may +feature some updating but otherwise +contains deferred maintenance items +that are generally minor or cosmetic in +nature. + +A dwelling in C4 condition may have experienced some periodic +updating but most components are near the middle of their life cycle. +Common deferred maintenance resulting from typical use is apparent +but presents no immediate impact. + +Examples include, but are not limited to: + +• Minor damage to walls or trim (interior or exterior) diff --git a/chunks/txt/4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138.txt b/chunks/txt/4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138.txt new file mode 100644 index 0000000000000000000000000000000000000000..ab8b9d1b32439dd0c7ddacf0d4c845502e4fd7ca --- /dev/null +++ b/chunks/txt/4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138.txt @@ -0,0 +1,51 @@ +29.031 + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was transmitted. + +29.032 + +12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for +sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and +the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. + +Appraisal Version # + +HF.002 + +Fannie Mae | Freddie Mac +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Uniform Residential Appraisal Report + +HF.001 + +Page [Page] of [Pages] + +29.033 + +13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the +comparable sales for a minimum of one year prior to the date of sale of the comparable sale. + +29.034 + +14. I based my valuation on the available properties that are most similar to the subject property. + +29.035 + +15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been +built or will be built on the land. diff --git a/chunks/txt/4da7d3fc07a9897e0005f180b4181c39e52a3e404a562fcfd1367bdeb854442b.txt b/chunks/txt/4da7d3fc07a9897e0005f180b4181c39e52a3e404a562fcfd1367bdeb854442b.txt new file mode 100644 index 0000000000000000000000000000000000000000..723df7672f5661429ae39f9758b1865487a274e5 --- /dev/null +++ b/chunks/txt/4da7d3fc07a9897e0005f180b4181c39e52a3e404a562fcfd1367bdeb854442b.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13701","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/4dbb1a34f277016de51df2219bc07bc4726e871ef014e8006e352cb0ebe12e1b.txt b/chunks/txt/4dbb1a34f277016de51df2219bc07bc4726e871ef014e8006e352cb0ebe12e1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..78c573c09b16ee6c636cc3e114716d5495929ee6 --- /dev/null +++ b/chunks/txt/4dbb1a34f277016de51df2219bc07bc4726e871ef014e8006e352cb0ebe12e1b.txt @@ -0,0 +1,143 @@ +/VALUATION_RESPONSE/REPORT/@AppraisalFormType + +10 + +Enumerated + +N/A + +N/A + +N/A + +N/A + +Embedded File + +N/A + +/VALUATION_RESPONSE/REPORT/EMBEDDED_FILE/DOCUMENT + +N/A + +N/A + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +50 + +50 + +String + +String + +2 + +3 + +4 + +5 + +6 + +1 + +1 + +1 + +1 + +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +4a + +HEADER + +BLANK + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Appraiser +Additional File +Identifier + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier +Name + +50 + +String + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +50 + +String + +Allowable Values: +FNM1004 +FNM1073 +FNM1075 +FNM2055 + +Note: the values shown above are Fannie Mae form numbers. The comparable +forms are: +Fannie Mae 1004/ Freddie Mac 70 +Fannie Mae 2055/ Freddie Mac 2055 +Fannie Mae 1073/ Freddie Mac 465 +Fannie Mae 1075/ Freddie Mac 466 +All addenda must be included in a single embedded file. The embedded file must be +in Portable Document Format (.pdf) with Base64 encoding. +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. diff --git a/chunks/txt/4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b.txt b/chunks/txt/4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b.txt new file mode 100644 index 0000000000000000000000000000000000000000..77b4de446678ce2f93c6b7d357cabd52d3537c71 --- /dev/null +++ b/chunks/txt/4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b.txt @@ -0,0 +1,61 @@ +8.044 + +Condition Status + +0300.0054 + +ImprovementComponentConditionStatusType + +Always displays + +8.045 + +Condition Comment + +0300.0100 + +ImprovementComponentConditionDescription + +… AND Exists + +Figure 8 - 3 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 162 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 163 + +Noncontinuous Finished Area + +The Noncontinuous Finished Area subsection displays when there is noncontinuous finished area related to the dwelling. Noncontinuous +finished areas are defined as finished area(s) in the dwelling that are attached to the dwelling but separate and not directly accessible from +any unit. + +This subsection does not display for properties with multiple units, or if there is no noncontinuous finished area. + +The NonContinuousFinishedAreaIndicator (UID: 0300.0114, FID: Not on report) triggers the subsection. + +• When false, the subsection does not display. + +• When true, display the text, “The table below depicts any finished area that is attached to the dwelling but separate and not directly +accessible from any unit” (FID: 8.046) in italics below the subsection header (gray bar) and provide the following (Figure 8 - 4): + +• Total Area - StructureNonContinuousFinishedAreaMeasure (UID: 0300.0115, FID: 8.047). Display Area and Unit of Measure in same + +cell. + +• Room Summary – Display Room Count - Room Type in same row. If the count is zero, do not display. + +o TotalRoomCount (UID: 0300.0020, FID: 8.048) +o RoomType (UID: 0300.0018, FID: 8.048) + +Figure 8 - 4 + +Appendix B-1: URAR Implementation Guide v1.3 + +Mechanical System Details + +The Mechanical System Details subsection always displays. diff --git a/chunks/txt/4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd.txt b/chunks/txt/4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd.txt new file mode 100644 index 0000000000000000000000000000000000000000..94fed55992bd7d218f50e106b45b32dde6ce3097 --- /dev/null +++ b/chunks/txt/4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd.txt @@ -0,0 +1,44 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 11.1 July Update + +May 29, 2024 + +During the weekend of July 20, 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The +changes in this release will apply to loan casefiles submitted or resubmitted to DU during or after the weekend of July 20, 2024. + +Please review this memo in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support +this release. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require +updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may +also require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated +message changes. + +New Messages + +Modified Messages + +Retired Messages + +7 + +10 + +2 + +The “draft” DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to +authorized subscribers on or about June 5, 2024. + +Release Support + +The DU Version 11.1 July Update will be implemented in the DU integration environment on or around June 26, 2024. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. diff --git a/chunks/txt/4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59.txt b/chunks/txt/4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c8235f2858ff64817f6692569f201ff3353fe1c --- /dev/null +++ b/chunks/txt/4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59.txt @@ -0,0 +1,101 @@ +Term +Report Label +Report Field ID (FID) + +Definition +The name of the field as shown on the URAR. +A red number identifying the specific location of the field on the URAR. Report Field ID (FID) is also referenced in: + + + + +Appendix A‐1: UAD URAR Delivery Specification +Appendix B‐1: URAR Implementation Guide +Appendix F‐1: URAR Reference Guide + +1.000 + +1.001 + +1.085 + +1.002 + +1.003 + +1.004 + +1.005 + +1.006 + +1.007 + +1.008 + +1.012 + +1.013 + +1.014 + +1.015 + +1.016 + +1.017 + +1.018 + +1.019 + +1.020 + +1.024 + +1.021 + +1.022 + +1.023 + +1.025 + +1.026 + +1.027 + +1.028 + +1.029 + +1.009 + +1.010 + +1.011 + +1.030 + +1.031 + +1.000.1 + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid: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) + +1.033 + +1.040 + +1.048 + +1.055 + +1.063 + +1.069 + +1.075 + +1.046 - 1.047 diff --git a/chunks/txt/4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886.txt b/chunks/txt/4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886.txt new file mode 100644 index 0000000000000000000000000000000000000000..8358ba289399628a9b9ff1e16c46fcba7bac2a32 --- /dev/null +++ b/chunks/txt/4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886.txt @@ -0,0 +1,5 @@ +Functional Obsolescence Exhibits (H1) ............................................................................................................... 49 + +Outbuilding ................................................................................................................................................... 49 + +Detail (H1) ........................................................................................................................................................... 50 diff --git a/chunks/txt/4ddc1be8e5fe8b1b91fc3e7a3c8686d41ee11f3f2edf481d448a4ed5caf182ac.txt b/chunks/txt/4ddc1be8e5fe8b1b91fc3e7a3c8686d41ee11f3f2edf481d448a4ed5caf182ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..f571892438cfaf00f3ee4a780d5b27ad9db0a0c3 --- /dev/null +++ b/chunks/txt/4ddc1be8e5fe8b1b91fc3e7a3c8686d41ee11f3f2edf481d448a4ed5caf182ac.txt @@ -0,0 +1,12 @@ +--- +source_url: "https://twitter.com/FHFA" +date_accessed: "2026-01-27T17:54:20.757Z" +--- + +body { -ms-overflow-style: scrollbar; overflow-y: scroll; overscroll-behavior-y: none; } .errorContainer { background-color: #FFF; color: #0F1419; max-width: 600px; margin: 0 auto; padding: 10%; font-family: Helvetica, sans-serif; font-size: 16px; } .errorButton { margin: 3em 0; } .errorButton a { background: #1DA1F2; border-radius: 2.5em; color: white; padding: 1em 2em; text-decoration: none; } .errorButton a:hover, .errorButton a:focus { background: rgb(26, 145, 218); } .errorFooter { color: #657786; font-size: 80%; line-height: 1.5; padding: 1em 0; } .errorFooter a, .errorFooter a:visited { color: #657786; text-decoration: none; padding-right: 1em; } .errorFooter a:hover, .errorFooter a:active { text-decoration: underline; } #placeholder, #react-root { display: none !important; } body { background-color: #FFF !important; } # JavaScript is not available. + +We’ve detected that JavaScript is disabled in this browser. 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Something went wrong, but don’t fret — let’s give it another shot. diff --git a/chunks/txt/4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce.txt b/chunks/txt/4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce.txt new file mode 100644 index 0000000000000000000000000000000000000000..4050d991800472c32a5e0607e353e5aa80bb0e11 --- /dev/null +++ b/chunks/txt/4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce.txt @@ -0,0 +1,99 @@ +This is where the Kitchen photo would display. + +Level 1 - Living Room + +Wet Bar + +This is where the Living Room photo would display. + +This is where the Wet Bar photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 10 of 23 + +Outbuilding - Standalone ADU + +Considered Real Property +Units in Structure +Gross Building Area + +Yes +1 +464 Sq. Ft. + +Gross Building Area for the outbuilding includes area for vehicle storage, +ADU(s), and any other uses + +This is where the Standalone ADU Front photo would display. + +Detail + +Utilities + +Electricity +Sanitary Sewer +Water + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Detail +Electric + +None + +The table below depicts the area of the outbuilding, excluding vehicle +storage and any ADU(s) +Finish +Finished + +Total Area +0 Sq. Ft. + +Room Summary + +Unfinished + +0 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Standalone ADU) + +None + +Outbuilding Commentary + +The subject’s outbuilding is a standalone ADU. Please see the Unit Interior - Standalone ADU for details and comments. + +Outbuilding Exhibits + +Rear View + +This is where the Standalone ADU Rear photo would display. + +Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 11 of 23 + +Levels in Unit +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half diff --git a/chunks/txt/4df216a80baf2b3957de636cb04e536a71fcf6f88e8b66b25f8ff13aaf386fc0.txt b/chunks/txt/4df216a80baf2b3957de636cb04e536a71fcf6f88e8b66b25f8ff13aaf386fc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c5f748106d93e866999827208cb1bdfb992022f --- /dev/null +++ b/chunks/txt/4df216a80baf2b3957de636cb04e536a71fcf6f88e8b66b25f8ff13aaf386fc0.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/866","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b.txt b/chunks/txt/4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d521378726959cb3d10a9da9bbc472963012bb83 --- /dev/null +++ b/chunks/txt/4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b.txt @@ -0,0 +1,3 @@ +Intended User ............................................................................................................................................................................................................... 48 + +Certifications ................................................................................................................................................................................................................ 49 diff --git a/chunks/txt/4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b.txt b/chunks/txt/4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..0532f6b709cea422689228d68ff0e4cf1d5402ce --- /dev/null +++ b/chunks/txt/4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b.txt @@ -0,0 +1,128 @@ +10.028 + +Allowable Work Space + +0700.0101 + +AllowableWorkSpaceAreaMeasure + +Display when AllowableLiveWorkSpaceIndicator = "true" + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point/Attribute Name + +Display Rules + +Unit Interior: Level and Room Detail (Figure 10 - 8) + +10.029 + +Level in Unit + +0700.0030 + +LevelType + +Always displays and repeats for each level + +- + +Display in order from the lowest grade to the highest. Example: B2, B1, 1, 2. + +10.030 + +Grade Level Detail + +0700.0027 + +BelowGradeExteriorAccessType + +Display when AccessType = "ExteriorAccessOnly" OR "InteriorAndExteriorAccess" + +0700.0026 + +AccessType + +Display when GradeLevelType = "FullyBelowGrade" OR "PartiallyBelowGrade" + +0700.0029 + +GradeLevelType + +Always displays + +10.031 + +Finish + +10.032 + +Area + +LevelFinishedAreaMeasure + +0700.0137 + +@UnitOfMeasureType + +Display when Finished Area > 0. If 0, the row does not display. + +- +- +- + +Display text "Finished" in the Finish column +Display Area and Unit of Measure in same cell in the Area column +Finished Area repeats for each level + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point/Attribute Name + +Display Rules + +Unit Interior: Level and Room Detail (Figure 10 - 8) + +10.031 + +Finish + +10.032 + +Area + +LevelUnfinishedAreaMeasure + +0700.0138 + +@UnitOfMeasureType + +Display when Unfinished Area > 0. If 0, the row does not display. + +- +- +- + +Display text "Unfinished" in the Finish column +Display Area and Unit of Measure in same cell in the Area column +Unfinished Area repeats for each level + +10.033 + +Room Summary + +0700.0035 + +RoomType + +The room count in the ‘Level and Room Detail’ table is not delivered in data but is +derived by counting the number of each RoomType per LevelType. diff --git a/chunks/txt/4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293.txt b/chunks/txt/4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293.txt new file mode 100644 index 0000000000000000000000000000000000000000..1dc9803245375bc5ac4ce9b9ef298c2f3aca21f6 --- /dev/null +++ b/chunks/txt/4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293.txt @@ -0,0 +1,90 @@ +Original Appraisal + +Effective Date of Appraisal +Opinion of Market Value +Reasonable Exposure Time + +09/20/2019 +$490,000 +0-90 days + +Appraiser + +Reference ID +Original Lender + +Agatha Appraiser +AA12345 +DEF Bank + +Appraisal Update + +Effective Date + +03/20/2020 + +Yes No +Has the market value of the subject property decreased since the effective date of the original appraisal?   + +Appraisal Update Commentary + +I have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale +for the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file. + +Both the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which +the subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using +multiple sales in the subject’s market which confirms that the subject’s market value has not decreased since the effective date of the original +appraisal. + +Assignment Information + +Borrower Name + +Betty Borrower +Bob Borrower + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +DEF Bank +200 Elm St +Anytown, VA 12346 + +Allan Appraiser +XYZ Appraisal Company +300 Maple St +Anytown, VA 12345 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +No Inspection +03/20/2020 + +Credentials + +Level +ID +State +Expires + +Certified Residential +1234456A +VA +03/31/2022 diff --git a/chunks/txt/4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381.txt b/chunks/txt/4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c54f54527b2e5734a6348a968c03f4c46d06057 --- /dev/null +++ b/chunks/txt/4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381.txt @@ -0,0 +1,85 @@ +Page 167 of 254 + +Version 1.4 + +Uniform Closing Dataset + +11.0 K. Due from Borrower at Closing + +Summaries of Transactions +BORROWER’S TRANSACTION (11.0 – 13.0) + +11.0 K. Due from Borrower at Closing + +11.0.1 + +$252,347.30 + +11.5 Adjustments + +05 Tenant Security Deposit + +11.5.1 + +$100.00 + +06 $500 Principal Reduction for exceeding legal +limits P.O.C. Ficus Bank + +Figure 95. Adjustments to Items Due from Borrower at Closing + +Additionally, the description and amount of any other items owed by the borrower(s) at closing that were not +already disclosed in the Loan Costs or Other Costs tables, or Section K must be disclosed. Examples include +outstanding real estate property taxes or a principal reduction, as shown in Figure 95. + +The data points used to provide this information are shown in the table below. Adjustments line items are +represented by data under CLOSING_ADJUSTMENT_ITEM. This container repeats for each line item identified by +the value of ClosingAdjustmentItemType. The section of BORROWER’S TRANSACTION for which an adjustment +item is relevant is specified using the value of IntegratedDisclosureSectionType and/or +IntegratedDisclosureSubsectionType. + +Table 111. Adjustments to Items Due from Borrower at Closing + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +First instance of CLOSING_ADJUSTMENT_ITEM_DETAIL + +11.5 + +Tenant Security +Deposit + +…/CLOSING_ADJUS +TMENT_ITEM_DET +AIL + +ClosingAdjustmentI +temType + +TenantSecurityDep +osit + +Represented on +form as “Tenant +Security Deposit” + +11.5.1 Tenant Security + +Deposit ($) + +11.5.1 N/A + +11.5 diff --git a/chunks/txt/4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441.txt b/chunks/txt/4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441.txt new file mode 100644 index 0000000000000000000000000000000000000000..43a8491a316d21cd1189bd07780a469c09d30909 --- /dev/null +++ b/chunks/txt/4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441.txt @@ -0,0 +1,120 @@ +Historic District + +Industrial Area + +A district designated to be of historical significance by a recognized authority. + +An area intended for the production of manufactured goods (e.g., factories). + +Local Distribution Line + +Electric lines that commonly supply power to residential housing developments, similar facilities and individual properties. + +Oil or Gas Well + +Overhead Electric Power +Transmission Line + +Park + +Electric lines that supply power from power generation stations to local distribution lines. + +Public Transportation Hub + +A location where public transportation can be accessed (e.g., bus transfer station, metro station). + +Rail Line + +Residential + +School + +The rail line used by commercial or commuter trains (e.g., railroad tracks, metro tracks). + +Stormwater Retention + +An area designed to hold or retain stormwaters on a permanent basis. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. Example: Place of Worship + +Information for each Site Influence + +Site: Information for each Site Influence + +Report +Field ID + +Report Label + +When to Include + +4.026 + +Proximity + +Required for each site +influence + +4.027 + +Detail + +Required if Site +Influence is Body of +Water + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Proximity) + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Proximity of the site influence or body of water to the property. +• +• +• + +Bordering +Offsite +Onsite + +Bay +Canal +Cove +Creek +Gulf +Lake + +Body of Water Type +• +• +• +• +• +• +• Marsh +• +Ocean +• +Pond +• +Reservoir +• +River +• +Sound +• +Other (Describe) diff --git a/chunks/txt/4e61e8fcf81debb71486d41d75d064bf4a2b18412d32b3bedbd138c7fbc5a8c3.txt b/chunks/txt/4e61e8fcf81debb71486d41d75d064bf4a2b18412d32b3bedbd138c7fbc5a8c3.txt new file mode 100644 index 0000000000000000000000000000000000000000..b863d17b6b7df13efea51419eab8b6a03f0feaa9 --- /dev/null +++ b/chunks/txt/4e61e8fcf81debb71486d41d75d064bf4a2b18412d32b3bedbd138c7fbc5a8c3.txt @@ -0,0 +1,15 @@ +(cid:12)(cid:25)(cid:18)(cid:41)(cid:36)(cid:34)(cid:48)(cid:8)(cid:36)(cid:43)(cid:48)(cid:16)(cid:41)(cid:25)(cid:23)(cid:48) + +(cid:4)(cid:36)(cid:32)(cid:32)(cid:25)(cid:34)(cid:43)(cid:48) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:5)(cid:24) (cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:7)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:8)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:9)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:4)(cid:11)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:12)(cid:24) + +(cid:1)(cid:2) diff --git a/chunks/txt/4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657.txt b/chunks/txt/4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657.txt new file mode 100644 index 0000000000000000000000000000000000000000..048e0645afc1ba199c6ce8bd7c0a87916b75f803 --- /dev/null +++ b/chunks/txt/4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657.txt @@ -0,0 +1,63 @@ +Amy + +Appraiser + +22 A St NE + +Washington + +10001 + +DC + +XYZ Appraisal Company + +LicensedResidentialAppraiser + +2021-02-21 + +3333333333 + +MD + +Appraiser + +AppraisalFee + +0 + +Betty + +Borrower + +Borrower + +Bob + +Borrower + +Borrower + +John + +Doe + +PropertySeller + +PropertyOwner + +Valuation + +2019-08-07 + +\\SF2_Appraisal_v1.3.pdf + +application/pdf + +1 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909.txt b/chunks/txt/4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4ffa3d9a05c0267b2a9e511e9c96486e8b91ee2 --- /dev/null +++ b/chunks/txt/4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909.txt @@ -0,0 +1,50 @@ +/IntegratedDisclosureSubsectionPaymentTimingType> + + + + +UCD v2.0 Implementation Guide + +- 83 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 63. XML Snippet-INTEGRATED_DISCLOSURE_SECTION_SUMMARIES-Other Costs Table. + + + + + + +TotalClosingCosts +LenderCredits +0.00 + + + + + +Buyer +-200.00 +AtClosing< + +/IntegratedDisclosureSubsectionPaymentTimingType> + + + + + + + + + + + + + +193409.29 + DueFromBorrowerAtClosing diff --git a/chunks/txt/4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9.txt b/chunks/txt/4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9.txt new file mode 100644 index 0000000000000000000000000000000000000000..3453898aff7bea03b03137cb116e40358f957a18 --- /dev/null +++ b/chunks/txt/4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9.txt @@ -0,0 +1,49 @@ +o bona fide and documented transportation costs, + +o costs for site preparation, which may include the cost to remove an existing manufactured home and other + +outbuildings, + +o + +foundation, + +o establishing utilities, + +o all site improvements, and + +o dwelling installation at the site. + +Any personal property items (non-realty items) purchased in conjunction with the manufactured home must be deducted +from the sales price and cannot be financed as part of the loan. + +Down Payment Requirements + +A minimum down payment of 5% must come from the borrower’s own funds unless: + +• + +the LTV or CLTV ratio is less than or equal to 80%; + +• + +the borrower is purchasing a one-unit principal residence and meets the requirements to use gifts, donated grant +funds, or funds received from an employer to pay for some or all of the borrower's minimum contribution. See B3-4.3- +04, Personal Gifts; B3-4.3-06, Grants and Lender Contributions; and B3-4.3-08, Employer Assistance, for additional +information; or + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 152 of 166 + +UAD 3.6 Policy +• + +the property meets the MH Advantage requirements and the loan meets the requirements for LTV ratios of 95.01-97%. +In this case, the borrower must contribute a minimum down payment of 3%, from their own funds unless the loan +meets the gift, grant, or funds from an employer policy referenced above. + +The borrower's equity in the land is considered the borrower’s own funds. Where the borrower holds title to the land on which +the manufactured home will be permanently attached, the value of the land may be credited toward the borrower’s minimum +down payment (or equity requirement for a refinance). The borrower’s equity contribution will be the difference between any +outstanding liens against the land and the market value of the land. diff --git a/chunks/txt/4e703557866db9ddccbba3d02c4eb28d718ab5aebcdae4f84cc36600d77c975a.txt b/chunks/txt/4e703557866db9ddccbba3d02c4eb28d718ab5aebcdae4f84cc36600d77c975a.txt new file mode 100644 index 0000000000000000000000000000000000000000..851d6863b5e9103ad5a088edf66e1b2b16047c2c --- /dev/null +++ b/chunks/txt/4e703557866db9ddccbba3d02c4eb28d718ab5aebcdae4f84cc36600d77c975a.txt @@ -0,0 +1,215 @@ +This is where the photo +of 123 Something +Pl would display. + +This is where the photo +of 123 Something +Pl would display. + +This is where the +photo of 341 Nothing +Dr would display. + +Subject Property +171 Cowboy Ln +Anyplace, TX 01234 + +Comparable #1 +181 Cattledrive St +Unit B +Anyplace, TX 01234 + +Comparable #2 +181 Cattledrive St +Unit C +Anyplace, TX 01234 + +Comparable #3 +123 Something Pl +Unit 1 +Anyplace, TX 01234 + +Comparable #4 +123 Something Pl +Unit 3 +Anyplace, TX 01234 + +Comparable #5 +341 Nothing Dr +Unit 1 +Anyplace, TX 01234 + +Data Source: +MLS XY-347981 + +Lease Start +Date: 03/2022 + +Data Source: +MLS XY-324819 + +Lease Start +Date: 07/2022 + +Data Source: +MLS XY-324720 + +Lease Start +Date: 07/2022 + +Data Source: +MLS XY-234895 + +Lease Start +Date: 09/2022 + +Data Source: +MLS XY-213840 + +Lease Start +Date: 01/2023 + +Actual Rent: $2,700 + +Actual Rent: $2,700 + +Actual Rent: $2,500 + +Actual Rent: $2,500 + +Actual Rent: $2,600 + +This is where the +photo of 341 Nothing +Dr would display. + +Comparable #6 +341 Nothing Dr +Unit 4 +Anyplace, TX 01234 + +Data Source: +MLS XY-258927 + +Lease Start +Date: 02/2023 + +Actual Rent: $2,600 + +Comparable Rental Analysis + +Proximity to Subject + +Floor Number + +Interior Condition + +Bedrooms + +Baths - Full | Half + +Finished Area + +Subject +Unit A + +1 + +C3 + +2 + +2 | 0 + +#1 +3 Miles N + +1 + +C3 + +2 + +2 | 0 + +Comparables +#3 + +#5 + +Subject +Unit B + +4.5 Miles S + +3.5 Miles E + +#1 +3 Miles N + +Comparables +#3 + +#5 + +4.5 Miles S + +3.5 Miles E + +1 + +C4 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1 + +C4 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,200 Sq. Ft. + +1,250 Sq. Ft. + +1,050 Sq. Ft. + +1,190 Sq. Ft. diff --git a/chunks/txt/4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04.txt b/chunks/txt/4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04.txt new file mode 100644 index 0000000000000000000000000000000000000000..771b5fd0e384b74a91df236a0b664820eb5ff4ca --- /dev/null +++ b/chunks/txt/4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04.txt @@ -0,0 +1,117 @@ +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +Refer to Appendix E for printing and parsing instructions. + +Money + +PDF Display Format: +In dollars, to two decimal places. + +This field should be populated if field 3- +15 (Property Sales Amount) is +populated. + +T + +R + +T + +R + +T + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 107 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +340 + +3 + +e-15 + +SALES +COMPARISON +APPROACH + +Location + +GSE Location +Type + +The type of location influences associated +with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L +OCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX +TENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@ +GSELocationType + +20 + +Enumerated + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: diff --git a/chunks/txt/4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca.txt b/chunks/txt/4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e6316f9b461c05362a1e921081aca99e41cfd5a --- /dev/null +++ b/chunks/txt/4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca.txt @@ -0,0 +1,126 @@ +Notes: +• +• + +Can be 0. +If the exact area is not known for the comparable, indicate that it is +estimated in Reconciliation of Sales Comparison Approach +(22.16.01). + +22.07.14 +22.07.42 + +Features for +Individuals w/ +Disabilities + +If relevant + +Required when the +row is included in the +sales comparison grid + +Unit Interior +• + +Accessibility +Feature 10.050 + +Yes +22.07.43 + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Accessibility Feature: A feature designed to provide accessibility and +usability for a person with disabilities. +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• + +None +Appliances +Auditory +Bathtub +Cabinets +Counters +Doorways +Electrical Switches +Grab Bars +Handrails +Hardware +Lighting +Ramps +Shower +Sink +Toilet +Other (Describe) + +22.07.16 +22.07.44 + +Additional +data element +displays as the +Report Label +22.07.15 + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +Additional Row does not +populate from other +sections; the appraiser +must enter information +for the subject property + +Yes +22.07.45 + +Additional Row +This row displays on the sales comparison grid when an additional data +element relevant to the unit is needed that is not predefined. + +Note: Only put one data element in each row and add additional rows as +needed for other data elements. + +Appendix F-1: URAR Reference Guide + +Page 249 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Quality and Condition + +The Quality and Condition subsection always displays on the sales comparison grid, and includes: +• Exterior Quality and Condition – repeats for each structure, if the homeowner is responsible for exterior maintenance +• +• ADU Interior Quality and Condition – repeats for each ADU +• Overall Quality and Condition – always displays diff --git a/chunks/txt/4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077.txt b/chunks/txt/4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077.txt new file mode 100644 index 0000000000000000000000000000000000000000..094e647300d565b8f5f6a630bd77c9509089cd2d --- /dev/null +++ b/chunks/txt/4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077.txt @@ -0,0 +1,175 @@ +Appendix F-1: URAR Reference Guide + +Page 270 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Outbuilding + +Outbuilding +• + +Outbuilding +Unfinished Area +Excluding Vehicle +Storage and ADU +12.013 + +Outbuilding +• + +Structure Volume +12.005 + +Outbuilding 12.012 +• + +Room Type is Bath +– Full +Number of Rooms + +• + +Outbuilding 12.012 +• + +Room Type is Bath +– Half +Number of Rooms + +• + +Outbuilding 12.012 +• +Room Type is +Kitchen +Number of Rooms + +• + +Outbuilding +• + +Heating System +Exists 12.008 If the +outbuilding does +not contain +ADU(s) + +Outbuilding +• + +Heating System +Type 12.014 if the +outbuilding +contains ADU(s) + +22.14.04 +22.14.18 + +Unfinished +Area + +If relevant + +Required when the +row is included in the +sales comparison grid + +Number of square +feet + +22.14.05 +22.14.19 + +Structure +Volume + +If relevant + +22.14.06 +22.14.20 + +22.14.07 +22.14.21 + +22.14.08 +22.14.22 + +22.14.09 +22.14.23 + +Baths - Full + +If relevant + +Baths - Half + +If relevant + +Kitchens + +If relevant + +Heating + +If relevant + +Required when the +row is included in the +sales comparison grid + +Required when the +row is included in the +sales comparison grid + +Number of cubic +feet + +Number + +Required when the +row is included in the +sales comparison grid + +Number + +Required when the +row is included in the +sales comparison grid + +Number + +Required when the +row is included in the +sales comparison grid + +Yes | No + +22.14.09 Heating diff --git a/chunks/txt/4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25.txt b/chunks/txt/4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25.txt new file mode 100644 index 0000000000000000000000000000000000000000..130d1d5322c12f27276ede62a6900ee0dfe15625 --- /dev/null +++ b/chunks/txt/4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25.txt @@ -0,0 +1,97 @@ +30 + +String + +This is a free text field which should contain a description of the shape of the +parcel. + +UAD Requirement - Refer to Appendix D Site Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +This data is referenced more than once on the form for the subject property and +must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Site Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +R + +T + +R + +R + +T + +R + +R + +T + +R + +93 + +1 + +e-6 + +SITE + +View + +GSE View Type + +The type of view associated with the +property. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_VIEW_DETAIL_EXTENSION/ +COMPARISON_VIEW_DETAIL_EXTENSIO +N_SECTION[@ExtensionSectionOrganizationN +ame='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_ +EXTENSION_SECTION_DATA/COMPARIS +ON_VIEW_DETAIL[@_SequenceIdentifier='1.. +2']/@GSEViewType + +19 + +Enumerated + +Allowable Values PDF Display +WaterView Wtr +PastoralView Pstrl +WoodsView Woods +ParkView Prk +GolfCourseView Glfvw +CityViewSkylineView CtySky +MountainView Mtn +ResidentialView Res +CityStreetView CtyStr +IndustrialView Ind +PowerLines PwrLn +LimitedSight LtdSght +Other * + +*See field e-7 directly below. + +This data is referenced more than once on the form for the subject property and +must be represented consistently. diff --git a/chunks/txt/4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754.txt b/chunks/txt/4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754.txt new file mode 100644 index 0000000000000000000000000000000000000000..400474f945246b99d161b70a26ae62d17e617a43 --- /dev/null +++ b/chunks/txt/4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754.txt @@ -0,0 +1,54 @@ +The data elements are: Universal Loan + +Identifier/Legal Entity Identifier, +Occupancy Type, Ethnicity/Race/Sex, +Age, Reason for Denial, Total Loan +Costs, Total Points and Fees, +Origination Charges, Discount Points, +Lender Credits, HOEPA Status, +Introductory Rate Period, NMLSR ID, +AUS Name, AUS Result, Reverse +Mortgage, Business or Commercial +Purpose,168 Open-End Line of Credit, +Credit Scoring Model, Application +Channel, and Rate Spread. + +4. HMDA Multifamily Data Elements +Excluded From the PUDB To Protect +Borrower Privacy + +FHFA identified three HMDA +multifamily data elements that are +collected by the Enterprises and will be +wholly excluded from the Multifamily +PUDB to protect borrower privacy, in +conformance with the CFPB Privacy +Guidance. These data elements, +discussed below, are not currently +disclosed in the Multifamily PUDB and +are not required to be reported by the +Enterprises to FHFA for PUDB +purposes.169 + +Application Date: Application Date is +an unchanged HMDA data element that +indicates the date the loan application + +167 84 FR at 656. +168 Although the Enterprises do not collect any + +specific data on Regulation C’s Business or +Commercial Purpose data element, all multifamily +loans are, by definition, Business or Commercial +loans under HMDA. See Official Interpretations, +comment 3(c)(10)–3(i). Thus, all loans in the PUDB +Multifamily Files are Business or Commercial +Purpose and no additional data element is required +to be reported or disclosed in the PUDB. + +169 FHFA may, however, require the Enterprises + +to report these data elements to FHFA for other +purposes. + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00047 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 diff --git a/chunks/txt/4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc.txt b/chunks/txt/4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..20db9a064000a0c24b6ad9708b3e1dd27f8245cd --- /dev/null +++ b/chunks/txt/4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc.txt @@ -0,0 +1,38 @@ +Definition: A free-form text field used to collect additional information +when Other is selected for Counseling Confirmation Type. + +IN DEPTH + +b. Using Other / OtherDescription + +In order to use an “OtherDescription” data point, the partner data point is +submitted with a valid value of “Other,” and the “OtherDescription” data point is +submitted with the business-partner-specified value. + +If a business partner needs to supplement the MISMO standard valid values with +additional enumerations, they must use the “OtherDescription” data point and +associate the non-MISMO enumerations with it. Note that although the +“OtherDescription” data point is defined as a “free form text field,” it is not + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 12 of 76 + +Section III. Using the MISMO v3.0 Logical Data Dictionary + +advisable to implement this data point this way. Rather, business partners using +this data point should provide their approved list of valid values and treat this data +point as enumerated. Additionally, if it is not expected that business-partner- +specific enumeration will be required, business partners should not include “Other” +as a valid value in the list of acceptable enumerations associated with the “Partner” +data point. + +Example III-5. Using Other/OtherDescription Data Points for Loan Delivery. + +ClosingCostFundsType = Other +ClosingCostFundsTypeOtherDescription = SecondaryFinancingHELOC + +CounselingConfirmationType = Other +CounselingConfirmationTypeOtherDescription = NonprofitOrganization diff --git a/chunks/txt/4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d.txt b/chunks/txt/4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d.txt new file mode 100644 index 0000000000000000000000000000000000000000..828fb3f4f97274d6543d38fd71b1c2ce86fa5f18 --- /dev/null +++ b/chunks/txt/4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d.txt @@ -0,0 +1,325 @@ +Basic + +Kitchen + +NotUpdated + +EngineeredWood + +ExteriorWallsAndTrim + +PostAndPier + +Foundation + +true + +Metal + +TypicalWearAndTear + +Roof + +NewOrLikeNew + +Windows + +C4 + +Q5 + +1 + +Building 1 + +None + +Dwelling + +1992 + +false + +Standard + +WallsAndCeiling + +Flooring + +FullyUpdated + +1926 + +0 + +false + +2 + +3 + +0 + +C4 + +Q4 + +Standard + +ModeratelyUpdated + +Unit 2 + +Standard + +Kitchen + +PartiallyUpdated + +EngineeredWood + +ExteriorWallsAndTrim + +Slab + +Foundation + +true + +Metal + +TypicalWearAndTear + +Roof + +NewOrLikeNew + +Windows + +C4 + +Q4 + +1 + +Building 2 + +None + +PropertyPhoto + +\\Images\2-4_Comp1.png + +image/png + +115 + +279000 + +SettledSale + +25.165172 + +-51.328124 + +Hawaiian Parks + +Porch + +OutdoorLiving + +0 + +Detached + +2 + +true + +2 + +C4 + +Q4 + +true + +true + +FeeSimple + +false + +false + +2790 + +false + +MineralRights + +false + +false + +2019-02-22 + +2019-04-30 + +279000 + +Sale + +2018-11-20 + +275000 + +Sale + +TypicallyMotivated + +USGSLavaFlowZone + +Zone2 + +false + +Landscaping + +BusyRoadway + +Ocean + +false + +BodyOfWater + +11965 + +Full + +Residential + +LegalNonConforming + +25-1837 Highmountain Pl + +Surfside + +12345 + +HI + +Attached + +Carport + +2 + +Driveway + +Gravel + +6 + +false + +0 + +FinancingMethod + +0 + +ContractDate + +0 + +SaleDate + +-15000 + +SiteSize + +0 + +NeighborhoodName + +0 + +ZoningCompliance + +-15000 + +HazardZone + +-5000 + +SiteInfluence + +10000 + +YearBuilt + +0 + +GrossBuildingFinishedArea + +5000 + +DisasterMitigationFeatures + +0 + +LivingUnitBedroomCount + +Unit 1 + +8800 + +LivingUnitStandardFinishedAreaAboveGrade + +Unit 1 + +6600 + +LivingUnitStandardFinishedAreaAboveGrade + +Unit 2 + +0 + +WaterFeaturesAmenity + +0 + +Outbuilding + +0 + +VehicleStorage + +195900 + +38180 + +95450 + +NorthWest + +Most + +false + +Conventional + +false + +156 + +2 + +5.1 + +-4600 + +None diff --git a/chunks/txt/4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3.txt b/chunks/txt/4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e454244be308a38f550a781d0e627d65b2bc9948 --- /dev/null +++ b/chunks/txt/4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3.txt @@ -0,0 +1,128 @@ +1 - Bath - Half +1 - Dining Room +1 - Family Room +1 - Kitchen +1 - Living Room + +2 - Bath - Full +3 - Bedroom + +1 - Bath - Full +1 - Bedroom + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 7 of 22 + +Unit Interior (continued) + +Quality and Condition + +Interior Quality Rating + +Q2 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level B1 + +Bath - Full +Level 2 + +Bath - Full +Level 2 + +Bath - Full +Level 3 + +Bath - Half +Level 1 + +Update Status +Not Updated + +Time Frame + +Not Updated + +Not Updated + +Not Updated + +Not Updated + +Not Updated + +Quality Comment +Kitchen includes +commercial grade +appliances and granite +countertops + +Ceramic tile and +upgraded fixtures + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Ceramic tile and +upgraded fixtures + +Typical Wear and Tear + +Ceramic tile and +upgraded fixtures + +Typical Wear and Tear + +Bathroom includes +upgraded marble tile +and high-end fixtures. + +Typical Wear and Tear + +Ceramic tile and +upgraded fixtures + +Typical Wear and Tear + +Condition Comment +Materials have minimal +depreciation and +appear to be well- +maintained. + +Materials have minimal +depreciation and +appear to be well- +maintained. + +Materials have minimal +depreciation and +appear to be well- +maintained. + +Materials have minimal +depreciation and +appear to be well- +maintained. + +Materials have minimal +depreciation and +appear to be well- +maintained. diff --git a/chunks/txt/4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e.txt b/chunks/txt/4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e.txt new file mode 100644 index 0000000000000000000000000000000000000000..05cdf2b3ae3b8e849434297aa136fba4d0acc258 --- /dev/null +++ b/chunks/txt/4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e.txt @@ -0,0 +1,113 @@ +20 + +Enumerated + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +Allowable Values PDF Display +Residential Res +Industrial Ind +Commercial Comm +BusyRoad BsyRd +WaterFront WtrFr +GolfCourse GlfCse +AdjacentToPark AdjPrk +AdjacentToPowerLines AdjPwr +Landfill Lndfl +PublicTransportation PubTrn +Other * + +*See field e-16 directly below. + +At least one but no more than two +values are required. + +R + +R + +R + +402 + +3 + +e-16 + +SALES +COMPARISON +APPROACH + +Location + +(Location Type) + +GSE Location +Type Other +Description + +Text entry when “Other” is selected as +Location Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_ +EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@ +GSELocationTypeOtherDescription + +403 + +404 + +405 + +3 + +3 + +3 + +66 + +67 + +68 + +SALES +COMPARISON +APPROACH + +Location Adjustment + +SALES +COMPARISON +APPROACH + +Leasehold/Fee Simple + +Sale Price +Adjustment +Amount + +Sale Price +Adjustment +Description + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='Location']/@_Amount + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) diff --git a/chunks/txt/4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d.txt b/chunks/txt/4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..81bbf0908e87a73fa0775ad10ea35ccb769d6ee8 --- /dev/null +++ b/chunks/txt/4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d.txt @@ -0,0 +1,159 @@ +Uniform Residential Appraisal Report + +Page 3 of 20 + +Site + +Total Site Size + +14,000 Sq. Ft. + +Number of Parcels + +1 + +Assessor Parcel Number (APN) +ERW 14885329 - 23 + +APN Description +Land with Dwelling + +Parcel Size +14,000 Sq. Ft. + +Zoning + +Compliance +Classification Code +Classification Code Description + +Legal +1-5 MH Residential +Zoning allows one dwelling +minimum per 12,000 sq. ft. +including manufactured and +modular housing. + +Property Use + +Non-Residential Use + +None + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Local Road | Asphalt +Yes + +Comment +The subject is located within +1/2 mile of a regional park +with a lake, hiking and +horse back riding trails, +playgrounds, and picnic +areas. + +Site Influence + +Influence +Park + +Proximity +Offsite + +Detail + +Impact +Beneficial + +Residential + +Bordering + +Neutral + +View and Impact to Value/Marketability + +View +Residential + +Range of View +Full + +Impact +Neutral + +Site Features and Impact to Value/Marketability + +Feature +Hazard Zone + +Site Characteristic + +Detail +No Hazard Zone Noted + +Topography | Flat + +Impact + +Comment + +Neutral + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Private + +Detail + +Private Utility +Impact + +Comment + +Electricity + +Gas + +Sanitary Sewer + +Water + +Public + + + + + +If more + +than 1 + +Unit-- + +different + +set up + +Apparent Defects, Damages, Deficiencies (Site) + +None + +Site Exhibits + +Property Access (Street Scene) - Site Influence - View + +Site Influence - Park + +This is where the Park photo would display. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96.txt b/chunks/txt/4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd17f7ec939ba09397f99a1da7b8d6eed2986322 --- /dev/null +++ b/chunks/txt/4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96.txt @@ -0,0 +1,71 @@ +This field should be populated if field 6-27 +(Supervisor Name) is populated + +This field must be populated if field 6-27 +(Supervisor Name) is populated + +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-38, 6-39 +(Appraisal Inspection Property Type = 'Subject' +and values of Appraisal Inspection Type) +should be indicated +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-38, 6-39 +(Appraisal Inspection Property Type = 'Subject' +and values of Appraisal Inspection Type) +should be indicated +If field 6-39 (Appraisal Inspection Property +Type = 'Subject' and Appraisal Inspection Type += 'ExteriorOnly') is indicated this field should +be populated. + +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-41, 6-42 +(Appraisal Inspection Property Type = +‘Comparable’ and values of Appraisal +Inspection Type) should be indicated. +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-41, 6-42 +(Appraisal Inspection Property Type = +‘Comparable’ and values of Appraisal +Inspection Type) should be indicated. + +This field should be populated if field 6-42 +(Appraisal Inspection Property Type = +‘Comparable’ and Appraisal Inspection Typ= +'ExteriorOnly') is indicated.. + +CR + +T + +CR + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 211 of 211 + +Document Version 1.4 diff --git a/chunks/txt/4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72.txt b/chunks/txt/4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72.txt new file mode 100644 index 0000000000000000000000000000000000000000..33aa9d7e524650bfb0dd9609f9477ea551ee0387 --- /dev/null +++ b/chunks/txt/4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72.txt @@ -0,0 +1,29 @@ +Master Servicing Release Notes + +June 30, 2020 + +Effective July 1, 2020, the Fannie Mae Master Servicing Platform will implement changes to support policy updates announced in +Lender Letter LL-2020-07 COVID-19 Payment Deferral, published on May 13, 2020 and Lender Letter LL-2020-05 Payment +Deferral, published on March 25, 2020. Two new retention workout options were jointly developed with Freddie Mac, at the +direction of the Federal Housing Finance Agency (FHFA), for homeowners who have resolved financial hardship but are not able to +reinstate or set up a repayment plan. Review the payment deferral matrix to learn more about the two options. + +The following updates are included in this release: + +• Updates to Fannie Mae Investor Reporting System +• Updates to the Loan Servicing Data Utility (LSDU) User Interface (UI) +• Updates to Fannie Mae Connect Reports + +Updates to the Fannie Mae Investor Reporting System + +Loan activity reporting must continue on a delinquent mortgage loan that is subject to a COVID-19 payment deferral and payment +deferral. Servicers must report delinquency status information to Fannie Mae through our servicing solutions system in +accordance with D2-4-01, Reporting a Delinquent Mortgage Loan to Fannie Mae. + +For COVID-19 payment deferral, servicers must report a Loan Activity Record (LAR) in the month of evaluation (or in the +processing month, if applicable) at least one business day prior to completing a COVID-19 payment deferral in in Fannie Mae’s +servicing solutions system. + +For payment deferral, servicers must report a LAR with the borrower’s full monthly contractual payment due in the month of +evaluation (or in the processing month, if applicable) at least one business day prior to completing a payment deferral in Fannie +Mae’s servicing solutions system. diff --git a/chunks/txt/4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a.txt b/chunks/txt/4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a.txt new file mode 100644 index 0000000000000000000000000000000000000000..a46572c8f454c7f4ceaa2e36f3284ae113b7dfc1 --- /dev/null +++ b/chunks/txt/4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a.txt @@ -0,0 +1,51 @@ +491000 + +false + +false + +false + +false + +true + +false + +false + +false + +Purchase + +EnergyEfficientAndGreenFeatures + +On average, homes with a HERS Index rating of 62 are 38% more energy efficient than a standard new house. + +Market + +Despite lack of supply, homes are not going up in value due to seasonality. This is typical for 3rd quarter, evidenced by the fact that there are only 2 active listings, which have less finished area than the subject and not indicative of prices decreasing. + +SalesContract + +$5,000 concession towards repair of the carpet. Window treatments, washer and dryer, and media room projector conveyed per sales contract. + +SubjectListing + +The only listing of the subject property in the past year has been for $489,000 for 12 days prior to contract. The contract provided to the appraiser contains no atypical terms or conditions, see Sales Contract section for further analysis. + +HighestAndBestUse + +The highest and best use analysis as improved is physically possible and legally permissible based on its current zoning. Analysis of the market shown below demonstrates that the existing structure as a single family residence is its financially feasible and maximally productive use. + +OverallQualityAndCondition + +The Overall Quality and Condition matches the Interior Quality and Condition, as well as the Exterior Quality and Condition, since the exterior and interior are both of the same age. + +SubjectPriorSalesAndTransferHistory + +Only prior sale of the subject was when it was a new construction in 2004. + +ComparablesPriorSalesAndTransferHistory + +Prior sale of comp 1 was a typically motivated arms-length transaction. diff --git a/chunks/txt/4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0.txt b/chunks/txt/4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0.txt new file mode 100644 index 0000000000000000000000000000000000000000..ced664baf9b8677163c8b12a9dd0fe4605e3a267 --- /dev/null +++ b/chunks/txt/4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0.txt @@ -0,0 +1,98 @@ +Materials have minimal +depreciation and +appear to be well- +maintained. + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Detail +Carpet + +Ceramic Tile + +Hardwood + +Marble + +Walls and Ceiling + +8 Ft. | 9 Ft. | 10 or more feet +Flat | Vaulted + +Overall Update Status for +Flooring + +Not Updated + +Quality Comment +High grade wool + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Hardwood includes Brazilian +Cherry + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +None + +Unit Interior Commentary + +Subject features vaulted ceiling on the third level and extensive trim throughout second level. The subject is a 3 year old structure, all interior +items are original therefore the overall status is considered not updated. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 8 of 22 + +Unit Interior (continued) + +Unit Interior Exhibits + +Level B1 - Bath - Full - Bath 1 + +Level B1 - Den + +This is where the Bath 1 photo would display. + +This is where the Den photo would display. diff --git a/chunks/txt/4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e.txt b/chunks/txt/4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..353f8b60f10a42427ab8cce50a6461091fe052c8 --- /dev/null +++ b/chunks/txt/4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e.txt @@ -0,0 +1,63 @@ +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 20 of 22 + +Figure 6 – Example illustrating multiple data points for HMDARaceDesignationType and HMDARaceType +usage under HMDA_RACE_EXTENSION container + +5.12.4. Universal Loan Identifier (ULI) +This is a unique identifier associated with the loan throughout the life of the loan transaction starting +at submission of the loan application. The number is composed of 45 alphanumeric characters and is +located under the LOAN_IDENTIFIER_EXTENSION container. + +The following example illustrates a sample ULI in xml code: + +Figure 7 - Example of a Universal Loan Identifier in a XML file. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 21 of 22 + +6. Additional Resources +Refer to the table below for a list of websites, documents, and URLs to access the additional documentation +referenced in this Implementation Guide. + +Table 10 - Additional Resources + +Document Name or Website + +URL + +Loan Delivery Data Requirements + +https://www.fanniemae.c om/singlefamily/unifor m-loan- delivery- +dataset-uldd + +Loan Delivery FAQs + +ULDD FAQs + +https://www.fanniemae.com/content/faq/loan-delivery-faqs.pdf + +https://www.fanniemae.com/content/faq/uniform-loan-delivery- +dataset-faqs.pdf + +Loan Delivery Job Aids + +https://www.fanniemae.c om/c ontent/job_aid/loan- delivery-job- +aids.html + +MISMO website + +www.mismo.org/ + +MISMO Version 3.0 Candidate +Recommendation 2010-05 Reference +Model + +MISMO Version 3.0 and the Uniform +Loan Delivery Data Specification: +User Guide + +http://www.mismo.org/s tandar ds-and-r esources /residential- +specifications/mismo-version-30 diff --git a/chunks/txt/4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1.txt b/chunks/txt/4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1.txt new file mode 100644 index 0000000000000000000000000000000000000000..0f58361e92136521d2c3e66044cb4fd8e08eac51 --- /dev/null +++ b/chunks/txt/4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# FHFA Performance and Accountability Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - FHFA Performance and Accountability Report + +This report details FHFA’s activities as regulator of the Federal Home Loan Bank System and as regulator and conservator of Fannie Mae and Freddie Mac over the fiscal year. + +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP diff --git a/chunks/txt/4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178.txt b/chunks/txt/4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178.txt new file mode 100644 index 0000000000000000000000000000000000000000..436fedfb98832ba664469c44a6ff4ed258c09443 --- /dev/null +++ b/chunks/txt/4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178.txt @@ -0,0 +1,39 @@ +Reference the appropriate government agency appraisal guidelines for more +information. + +Allowable Answer + +Independent Fee Appraiser + +Assignment Information: Employment Type + +Definition / Additional Guidance + +An independent contractor treated for purposes of Federal income taxation as an independent contractor by both the +lender/client and the appraisal management company ordering the appraisal. The appraiser is issued a Form 1099 and is +responsible under IRS rules accordingly. + +Staff Appraiser + +An employee for purposes of Federal income taxation by either the lender/client or the appraisal management company +ordering the appraisal. The appraiser is expected to be issued a Form W-2. + +Significant Real Property Appraisal Assistance + +This subsection of Assignment Information provides details about people who provided significant real property +appraisal assistance to the appraiser. A contact (person) displays in this subsection when the Significant Real +Property Appraisal Assistance Role is chosen for the contact. If no one provided professional assistance, do not +choose a Role of Significant Real Property Appraisal Assistance, and this subsection does not display. + +Allowable Answer + +Significant Real Property +Appraisal Assistance + +Role: Significant Real Property Appraisal Assistance (Choose if applicable for the Contact) + +Definition / Additional Guidance + +A person who does not meet all scope of work and certification requirements that provided significant assistance with the +development of the appraisal report, as prescribed by Uniform Standards of Professional Appraisal Practice and Advisory +Opinion. Selecting this answer does not allow this contact (person) to sign the report. diff --git a/chunks/txt/4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc.txt b/chunks/txt/4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae20511bafddbb39e6b7b49b545c7d2e019adbda --- /dev/null +++ b/chunks/txt/4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc.txt @@ -0,0 +1,3 @@ +© 2024 Fannie Mae + +7.31.24 2 of 2 diff --git a/chunks/txt/4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287.txt b/chunks/txt/4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287.txt new file mode 100644 index 0000000000000000000000000000000000000000..1dadf7b824627206a215845406bc5089675b970c --- /dev/null +++ b/chunks/txt/4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287.txt @@ -0,0 +1,89 @@ +Indicates whether the defect, damage, or deficiency affects the soundness and +/ or structural integrity of the improvement. + +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or inspection) + +The recommended action for the defect, damage, or deficiency. +• +• +• +• +Note: +• + +If Completion, Inspection, or Repair is reported for any defect, damage, or +deficiency + +o + +o + +o + +The report must be made subject to the resolution of the item +(Market Value Condition 26.009 cannot be As Is). +Condition Status for the item, if applicable, must reflect the +future “resolved” condition. +If Repair is selected, the estimated cost to repair may be +provided in the Reconciliation section. + +Unit Interior Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +10.061 Unit Interior +Commentary + +If applicable + +Free-form + +Definition / Additional Guidance + +Commentary could include information pertinent to the Unit Interior section +that is not captured in the discrete data, or additional details to support the +discrete data that is provided. + +Unit Interior Exhibits + +All photos or images related to the Unit Interior section are displayed in the Unit Interior Exhibits subsection. If +there are no photos or images, this subsection does not display. + +Unit Interior Exhibits + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +See +iGuide + +Unit Interior +Exhibits + +If applicable + +Photos or images + +Definition / Additional Guidance + +Photos or images relevant to the Unit Interior section may be provided, which +display in Unit Interior Exhibits. If the photo or image is not specifically +indicated above, provide a caption to identify each photo or image. diff --git a/chunks/txt/4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2.txt b/chunks/txt/4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2.txt new file mode 100644 index 0000000000000000000000000000000000000000..88943977b1bf585a67b7370728f2dce70c4ab5a4 --- /dev/null +++ b/chunks/txt/4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2.txt @@ -0,0 +1,62 @@ +Statement of Assumptions and Limiting Conditions (H1) + +• Text sets as TXC Myriad Pro x 45 picas + +Certifications + +“Certifications” sets as TAB + +Appraiser Certifications (H1) + +• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between + +paragraphs + +• Numbers set Myriad Pro Bold, followed by a period to text + +• + +“Description of Prior Services:” (Certification #29) aligns left with text above and sets as TXC- +NPI-B Myriad Pro (bold lead in to Myriad Pro Regular text) X 45 picas + +Additional Appraiser Certifications (H2) + +• + +“Additional Appraiser Certifications cannot be contrary to the original Appraiser +Certifications.” sets as TXC-I Myriad Pro Italic x 45 picas + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between + +paragraphs + +• Numbers set Myriad Pro Bold, followed by a period to text + +• Text sets TXC x 45 picas + +Appendix E: Report Style Guide + +Page 78 of 90 + +Version 1.4 + +Supervisory Appraiser Certifications (H1) + +• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between + +paragraphs + +• Numbers set Myriad Pro Bold, followed by a period to text + +Additional Supervisory Appraiser Certifications (H2) + +• + +“Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory +Appraiser Certifications.” sets as TXC-I Myriad Pro Italic x 45 picas + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between diff --git a/chunks/txt/4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012.txt b/chunks/txt/4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012.txt new file mode 100644 index 0000000000000000000000000000000000000000..59a90f20288edc111534d11dd337991a33688036 --- /dev/null +++ b/chunks/txt/4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012.txt @@ -0,0 +1,30 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 96 of 166 + +UAD 3.6 Policy + +When describing the proximity of the comparable sale to the subject property, the appraiser must be specific with respect to the +distance in terms of miles and include the applicable directional indicator (for example, “1.75 miles NW”). The distance between +the subject property and each comparable property is to be measured using a straight line between the properties. + +Minimum Number of Comparable Sales + +A minimum of three closed comparables must be reported in the sales comparison approach. Additional comparable sales may +be reported to support the opinion of market value provided by the appraiser. The subject property can be used as a fourth +comparable sale or as supporting data if it was previously closed. Contract offerings and current listings can be used as +supporting data, if appropriate. See Additional Requirements for New (or Recently Converted) Condos, Subdivisions, or PUDs below +for exceptions to this policy. + +In no instance may the appraiser create comparable sales by combining vacant land sales with the contract purchase price of a +home (improvements only). While these transactions cannot be used to meet the required minimum three closed comparables, +these transactions, which are often completed as part of a construction-to-permanent loan transaction, may be included as +additional support with appropriate commentary. + +Age of the Comparable Sales + +Comparable sales that have closed within the last 12 months should be used in the appraisal; however, the best and most +appropriate comparable sales may not always be the most recent sales. For example, it may be appropriate for the appraiser to +use a nine month old sale with a time adjustment rather than a one month old sale that requires multiple adjustments. An older +sale may be more appropriate in situations when market conditions have affected the availability of recent sales, and the +changing market conditions causing their use must be explained in the report. diff --git a/chunks/txt/4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb.txt b/chunks/txt/4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb.txt new file mode 100644 index 0000000000000000000000000000000000000000..618e354ceb0d7538afa70aac7785ea7f24688ba4 --- /dev/null +++ b/chunks/txt/4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb.txt @@ -0,0 +1,19 @@ +Keyword + +Published Date From: + +To: + +Report Category - Any - Annual Housing Report Annual Report to Congress Chief FOIA Officer Report Collateral Pledged to FHLBanks Conservatorships Performance Goals - Scorecard Credit Risk Transfer Progress 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 FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report Foreclosure Prevention, Refinance, and FPM Report Housing Mission Report Information Resources Management Strategic Plan No FEAR Report Plain Language Report Prepayment Monitoring Report Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac + +## Search & Filter + +Keyword + +Published Date From: + +To: + +Report Category - Any - Annual Housing Report Annual Report to Congress Chief FOIA Officer Report Collateral Pledged to FHLBanks Conservatorships Performance Goals - Scorecard Credit Risk Transfer Progress 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 FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report Foreclosure Prevention, Refinance, and FPM Report Housing Mission Report Information Resources Management Strategic Plan No FEAR Report Plain Language Report Prepayment Monitoring Report Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac + +- FHFA House Price Index® diff --git a/chunks/txt/4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7.txt b/chunks/txt/4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1488e37ec12b0e93a3ffbf72bd6843ac59c441a --- /dev/null +++ b/chunks/txt/4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/research?category%5B941%5D=941" +date_accessed: "2026-01-27T17:54:20.619Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b.txt b/chunks/txt/4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b.txt new file mode 100644 index 0000000000000000000000000000000000000000..742331308d06f282e4e5f3b7a0086b525d9fd50b --- /dev/null +++ b/chunks/txt/4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b.txt @@ -0,0 +1,65 @@ +09 Certifications and Intended Use/User + +The Certifications and Intended Use section always displays on the PDF. Information will not be delivered in the XML unless there is a datapoint that +provides space for commentary (e.g., Additional Intended Use or appraiser certifications). + +Page 47 + +Intended Use + +The Intended Use subsection always displays. + +Report +Field ID + +09.001 + +The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions +stated in the appraisal report referenced above have been met. + +Always displays + +Intended Use Text + +Text Conditionality + +When ValuationIntendedUseDescription (UID: 2200.0012, FID: 09.003) is provided AND GovernmentAgencyAppraisalType = "FHA" + +• Display sub-header: Additional Intended Use (FID: 09.002) +• Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use. +• Display the text from ValuationIntendedUseDescription (UID: 2200.0012, FID: 09.003) and deliver in XML. + +Intended User + +The Intended User subsection always displays. + +Page 48 + +Report +Field ID + +Intended User Text + +Text Conditionality + +09.004 + +The intended user of this report is the lender/client. + +Always displays + +FHA and the Mortgagee are the intended users of this +appraisal report. +The USDA and any other identified lender/client are +intended users of this report. + +09.005 + +The VA is also an intended user of this appraisal report. + +Display descriptive text when GovernmentAgencyAppraisalType (UID: 1000.0123, FID: 09.005) += "FHA" and the original appraisal is for a purchase or refinance transaction. +Display descriptive text when GovernmentAgencyAppraisalType (UID: 1000.0123, FID: 09.005) += “USDA” +Display descriptive text when GovernmentAgencyAppraisalType (UID: 1000.0123, FID: 09.005) += “VA” diff --git a/chunks/txt/4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676.txt b/chunks/txt/4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676.txt new file mode 100644 index 0000000000000000000000000000000000000000..d323b01ccb7f4353577e02cd52fa24c702bf5a67 --- /dev/null +++ b/chunks/txt/4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676.txt @@ -0,0 +1,97 @@ +Project Analysis +Special +Characteristics +Description + +Unit Charge +Amount +Unit Charge +Amount + +Unit Charge Per +Square Foot +Amount + +Unit Charge No +Utilities Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Indicates that the project has special, +atypical, or unusual characteristics. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_SpecialCharacteristicsIndicator='Y'] + +Indicates that the project has special, +atypical, or unusual characteristics. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_SpecialCharacteristicsIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +A free-form text field describing any +special, atypical, or unusual +characteristics of the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@ +_SpecialCharacteristicsDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +If none, enter zero (0). + +If none, enter zero (0). + +If none, enter zero (0). + +The amount the unit is charged every +period described by Period Type. +The amount the unit is charged every +period described by Period Type. +Assessment charge per square feet of +gross living area of the unit. This is +generally used for analysis of unit charges +in a multiple unit project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/@_Amount +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Annually']/@_Amount diff --git a/chunks/txt/4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c.txt b/chunks/txt/4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9f174b8a2412a0754a97f3e1d9e9d33a9391489 --- /dev/null +++ b/chunks/txt/4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c.txt @@ -0,0 +1,124 @@ +25 + +24 + +23 + +Are there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser? + Yes No If Yes, describe and explain the effect on value and marketability. 29 +27 + +28 + +30 + +Unit Charge $ +Utilities included in the unit monthly assessment None Heat Air Conditioning Electricity Gas Water Sewer Cable Other (describe) +42 + +Annual assessment charge per year per square feet of gross living area = $ 32 + +per month X 12 = $ + +31 per year + +34 + +35 + +40 + +33 + +36 + +37 + +41 + +39 + +38 + +Interior +Floors 51 +Walls 52 +Trim/Finish 53 + +General Description + +materials/condition + +Amenities + +Appliances + +Car Storage + +48 + +Floor # 43 +# of Levels 44 +Heating Type 45 +Fuel 46 + Central AC Individual AC Bath Wainscot 54 +47 + Other (describe) 50 +49 +Finished area above grade contains: 80 +Square Feet of Gross Living Area Above Grade +Are the heating and cooling for the individual units separately metered? Yes No If No, describe and comment on compatibility to other projects in the market area. +86 +Additional features (special energy efficient items, etc.) 87 + +Refrigerator +66 + Range/Oven +67 + Disp Microwave +69 +68 + Dishwasher +70 + Washer/Dryer +71 +Bath(s) 83 + +Fireplace(s) # 57 +56 + Woodstove(s) # 59 +58 + Deck/Patio 61 +60 + Porch/Balcony 63 +62 + Other 65 +64 +Bedrooms 82 +84 + +None +72 + Garage Covered Open +73 +# of Cars 76 + Assigned Owned +77 +Parking Space # 79 + +Rooms 81 + +Doors 55 + +74 + +78 + +85 + +75 + +Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 88 + +Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe +91 diff --git a/chunks/txt/4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e.txt b/chunks/txt/4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e.txt new file mode 100644 index 0000000000000000000000000000000000000000..80c3ef52b078a2bb952bc00767d469c81f281c07 --- /dev/null +++ b/chunks/txt/4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e.txt @@ -0,0 +1,31 @@ +![image](/sites/g/files/koqyhd181/files/2022-01/sf_marquee.png) + +## Rental income support made easy + +Income Calculator now supports all rental income types - both simple and complex - allowing you to serve more borrowers while reducing risk of repurchase. + +[Learn more ****](https://singlefamily.fanniemae.com/applications-technology/income-calculator) + +### Fannie Mae supports those who house America through single-family mortgage products and solutions + +Our Single-Family business helps lenders originate quality affordable mortgages using innovative digital processes. Our funding makes products such as the 30-year, fixed-rate mortgage possible, providing homeowners with predictable mortgage payments over the life of the loan. It remains the most popular choice among homeowners. + +- [![image](/sites/g/files/koqyhd181/files/icons/2019-10/selling-guide.svg) + +Selling Guide](/external-resource/selling-guide) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/servicing-guide.svg) + +Servicing Guide](/external-resource/servicing-guide) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg) + +Learning Center](/learning-center) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg) + +Technology Solutions](/applications-technology/applications-technology) + - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/mortgage-products.svg) + +Mortgage Products](/originating-underwriting/mortgage-products) + +## Become a Fannie Mae Seller/Servicer + +Partner with us for access to tools, resources, and the support you need to succeed in today's housing market. diff --git a/chunks/txt/4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384.txt b/chunks/txt/4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384.txt new file mode 100644 index 0000000000000000000000000000000000000000..183f8fc6799861fe79c76816fb39202cea2f66b8 --- /dev/null +++ b/chunks/txt/4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384.txt @@ -0,0 +1,74 @@ +Adjustable Interest Rate (AIR) Table + +20.0 + +Index + Margin (OR) +(Interest Rate Adjustments) + +20.1 Index Name + % +# of Adjustments + +Initial Interest Rate + +20.2 % + +Minimum/Maximum Interest Rate + +20.3 % Min / % Max + +Change Frequency + +First Change + +20.4 Beginning of # month + +Subsequent Change + +20.5 Every # month after first change + +Limits on Interest Rate Changes + +First Change + +Subsequent Change + +20.6 % + +20.7 % + +Figure 128. Adjustable Interest Rate (AIR) Table + +As illustrated above, the following information is required for all loans for which the interest rate can or will +increase: + +20.1 For loans that adjust based on an external index: + +a. The Index upon which the adjustments to the interest rate are based. + +b. The Margin that is added to the index to determine the interest rate, if any. The margin should be +disclosed as a percentage. For example, if the contract determines the interest rate by adding 4.25 +percentage points to the index, the margin should be disclosed as ‘‘4.25%.’’ + +c. For loans that adjust according to a schedule incorporated in the note terms: The number of scheduled + +Interest Rate Adjustments. + +20.2 The Initial Interest Rate, which is the interest rate at consummation even if it will apply for only a short + +period. + +Appendix E: UCD Implementation Guide + +Page 207 of 254 + +Version 1.4 + +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +20.3 The Minimum Interest Rate that may occur at any time during the term of the transaction, after any + +introductory or ‘‘teaser’’ interest rate expires. If the note terms do not state a minimum interest rate or +“floor”, the minimum interest rate that applies to the transaction under applicable law must be disclosed. If +no law applies, the margin is disclosed. diff --git a/chunks/txt/4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d.txt b/chunks/txt/4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff29ad4381daf45a69ad1d39a9a5dea33892026c --- /dev/null +++ b/chunks/txt/4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d.txt @@ -0,0 +1,91 @@ +262 + +2 + +25 + +SALES +COMPARISON +APPROACH + +Quality of Construction + +GSE Quality Of +Construction Rating +Type + +The overall rating of the property's +quality of construction. + +263 + +2 + +e-17 + +SALES +COMPARISON +APPROACH + +Actual Age + +GSE Age Estimation +Indicator + +Indicates if the age of the property is +estimated. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_VIEW_DETAIL_EXTENSION/ +COMPARISON_VIEW_DETAIL_EXTENSIO +N_SECTION[@ExtensionSectionOrganizationN +ame='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_ +EXTENSION_SECTION_DATA/COMPARIS +ON_VIEW_DETAIL[@_SequenceIdentifier='1.. +2']/@GSEViewType + +19 + +Enumerated + +Allowable Values PDF Display +WaterView Wtr +PastoralView Pstrl +WoodsView Woods +ParkView Prk +GolfCourseView Glfvw +CityViewSkylineView CtySky +MountainView Mtn +ResidentialView Res +CityStreetView CtyStr +IndustrialView Ind +PowerLines PwrLn +LimitedSight LtdSght +Other * + +*See field e-7 directly below. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_VIEW_DETAIL_EXTENSION/ +COMPARISON_VIEW_DETAIL_EXTENSIO +N_SECTION[@ExtensionSectionOrganizationN +ame='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_ +EXTENSION_SECTION_DATA/COMPARIS +ON_VIEW_DETAIL[@GSEViewType='Other'] +/@GSEViewTypeOtherDescription +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Design +Style']/@_Description diff --git a/chunks/txt/4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401.txt b/chunks/txt/4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401.txt new file mode 100644 index 0000000000000000000000000000000000000000..81ecdc0a5f242d62903d47e0c87fb01135d4a47a --- /dev/null +++ b/chunks/txt/4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401.txt @@ -0,0 +1,134 @@ +Site Influence + +Influence +Apparent Environmental +Condition + +Body of Water + +Overhead Electric Power +Transmission Line + +Proximity +Offsite | 3.5 Miles + +Onsite + +Onsite + +Detail +Landfill + +Lake + +Number of Parcels + +Contiguous +Elements Dividing Parcels + +2 +No +Road + +APN Description +Land with Dwelling + +Land with Improvement + +Parcel Size +4.75 Acres + +0.25 Acres + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Rural Road | Gravel +Yes + +Impact +Adverse + +Beneficial + +Adverse + +Comment +The county landfill is known +for its noxious odors. + +The water frontage has a +beneficial value impact. + +Although the subject +dwelling is outside the fall +distance, the land is still +unable to be developed and +the power lines are noisy. + +Site Influence Commentary The water frontage has a positive impact on value and offsets the negative factors from the power lines. The +landfill impacts a broader area and affects many homes. + +Water Frontage with Private Access + +Total Linear Measurement + +40 Ft. + +Permanent Waterfront Feature + +Dock +Pier + +Frontage +Lake + +Name +Lake Virginia + +Waterfront Access Rights +By Permit + +Access Depth +Shallow Water + +View and Impact to Value/Marketability + +View +Lake (Primary) + +High Voltage Power Lines + +Woods + +Range of View +Full + +Seasonal + +Partial + +Impact +Beneficial + +Adverse + +Neutral + +View Commentary Wooded views are typical in the market. High voltage power lines easement at edge of property can be viewed during +winter months. + +Site Features and Impact to Value/Marketability + +Feature +Non-Residential Property Use + +Detail +Agricultural + +Hazard Zone + +No Hazard Zone Noted diff --git a/chunks/txt/4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2.txt b/chunks/txt/4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae8bcc432cefdd35aa3fe8b9d73cc4c40e1d504f --- /dev/null +++ b/chunks/txt/4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2.txt @@ -0,0 +1,105 @@ +Add comment if +needed. + +New or Like New + +Bathroom rarely used, +shows nicely. + +Overall Update Status for +Bathrooms + +Fully Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Quality Comment +Wool carpeting. + +Condition Status +Typical Wear and Tear + +Condition Comment +All floors were updated at the +same time as other interior +work was performed. + +Typical ceramic tile. + +Typical Wear and Tear + +No adverse conditions noted. + +Add comment if needed. + +Damaged and Functional + +Some areas of peeling paint. + +Significantly Updated + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Walls and Ceiling + +Location +Bedroom + +Description +Peeling paint was observed in one of the +bedrooms of unit. Appears to be typical +deferred maintenance. + +Unit Interior Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Unit Interior Exhibits + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 8 of 22 +Page 8 of 22 + +Unit Interior (continued) + +Level 1 - Dining Room - Dining Area + +Level 1 - Kitchen + +Level 1 - Living Room + +Apparent Defects, Damages, Deficiencies - +Walls and Ceiling - Peeling Paint diff --git a/chunks/txt/4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b.txt b/chunks/txt/4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d34a8c9f570b8302c7854eb21dc4cd1e72fd2516 --- /dev/null +++ b/chunks/txt/4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b.txt @@ -0,0 +1,57 @@ +investment property refinance transactions; +certain purchase, limited cash-out, and cash-out refinance transactions; and + +Ineligible Transactions + +The following transactions are not eligible for a value acceptance offer: + +two- to four-unit properties; +co-op units and manufactured homes; + +• +• +• proposed construction; +• +• HomeStyle Renovation and HomeStyle Energy loans; +• + +leasehold properties; + +construction-to-permanent loans (single-close and two-close); + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 121 of 166 + +UAD 3.6 Policy + +• +• + +Texas Section 50(a)(6) loans; +community land trusts or other properties with resale price restrictions, which include loan casefiles using the Affordable +LTV feature; +transactions where either the purchase price or estimated value provided to DU is $1,000,000 or more; +transactions using gifts of equity; + +• +• +• DU loan casefiles that receive an Ineligible recommendation; and +• manually underwritten loans. + +Note: DU may offer value acceptance on a recently constructed property (i.e., new construction) when there is an existing “as is” +prior appraisal for the subject property. For example, an appraisal of the subject property may have been performed for a +different lender or borrower, but that loan did not close. The lender may exercise the value acceptance offer when the loan meets +all other eligibility criteria for the transaction. + +Furthermore, the lender may not exercise a value acceptance offer and must order an appraisal if one or more of the following +applies: + +• DU was unable to identify ineligible criteria in the list above (for example, Texas Section 50(a)(6) loans); +• +the lender is required by law to obtain an appraisal (see Selling Guide A3-2-01, Compliance With Laws); +• +the lender is using rental income from the subject property to qualify the borrower; or +• +the lender believes that an appraisal is warranted based on additional information the lender has about the property or +subsequent events. diff --git a/chunks/txt/4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634.txt b/chunks/txt/4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634.txt new file mode 100644 index 0000000000000000000000000000000000000000..f219d50ce2e795c9cf172384920c8caf5b7961b0 --- /dev/null +++ b/chunks/txt/4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634.txt @@ -0,0 +1,131 @@ +488 + +6 + +18 + +APPRAISER +CERTIFICATION + +Appraiser +Expiration Date of +Certification or License + +Appraiser License +Expiration Date + +The expiration date of the appraiser's +license. + +/VALUATION_RESPONSE/PARTIES/APPRA +ISER/APPRAISER_LICENSE/@_ExpirationDa +te + +12 + +Date/Time + +Data Format: +yyyy-mm-dd + +This field is required unless the value of field +(6-15) is 'trainee' and fields 6-13,6-14, and 6- +16 are not populated, + +489 + +6 + +19 + +APPRAISER +CERTIFICATION + +ADDRESS OF +PROPERTY +APPRAISED + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., +123 Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_St +reetAddress + +45 + +String + +490 + +6 + +20a + +APPRAISER +CERTIFICATION + +Address of Property +Appraised +City,State,Zip + +Property City + +The city in which the subject property +is located. + +/VALUATION_RESPONSE/PROPERTY/@_C +ity + +40 + +String + +491 + +6 + +20b + +APPRAISER +CERTIFICATION + +Address of Property +Appraised +City,State,Zip + +Property State + +The state in which the subject +property is located. + +/VALUATION_RESPONSE/PROPERTY/@_St +ate + +2 + +String + +PDF Display Format: +mm/dd/yyyy + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address elements must be +included in this field: +· Street number +· Street name (including applicable pre-directional indicator, suffix, and/or +post-directional indicator) +· Address unit designator and number (if applicable) +This data is referenced more than once on the form (fields 1-6, 2-11, 6-19) and +must be represented consistently to the extent that the available space permits. + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· City +This data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a) +and must be represented consistently. diff --git a/chunks/txt/4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf.txt b/chunks/txt/4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf.txt new file mode 100644 index 0000000000000000000000000000000000000000..0692394782b4c4da0fbc53cc88f5c6293c69504c --- /dev/null +++ b/chunks/txt/4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf.txt @@ -0,0 +1,86 @@ +Manufactured Home + +Manufacturer Name +Year Installed +Moved Since Original Installation + +Attached to Permanent +Foundation +Towing Hitch, Wheels, Axles +Removed +Manufactured Home Width +Skirting + +Yes No +Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support?   + +Modification, Attachment, or Addition + +Description of Modification, Attachment, or Addition + +HUD Data Plate + +HUD Data Plate Attached +Date of Manufacture +Serial Number + +HUD Certification Label + +Label Present for All Sections + +Manufactured Home Certification Program + +Certification + +Identifier + +Invoice Information + +Purchased from Retailer +Retailer Name + +Commentary on Why Invoice(s) Not Reasonable + +Manufactured Home Commentary + +Manufactured Home Exhibits + +HUD Wind Zone +HUD Thermal Zone +HUD Roof Load Zone + +HUD Certification Number + +Retailer’s Invoice Reviewed +Manufacturer’s Invoice Reviewed +Invoice(s) Appear Reasonable + +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 + +Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier] + +Levels in Unit +Floor Number +Corner Unit +Occupancy +Utilities Separately Metered +Utilities Operating +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half +Non-Residential Use in Unit +Live/Work Space + +Allowable Work Space + +Yes No +  + +Area Breakdown + +Finished Above Grade +Finished Above Grade (Nonstandard) +Unfinished Above Grade +Finished Below Grade +Finished Below Grade (Nonstandard) +Unfinished Below Grade diff --git a/chunks/txt/4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f.txt b/chunks/txt/4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f5858eb4e6023eec8879ff1df10263c5c084633 --- /dev/null +++ b/chunks/txt/4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f.txt @@ -0,0 +1,83 @@ +HUD Wind Zone +HUD Thermal Zone +HUD Roof Load Zone + +Zone I +Zone 3 +South + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 8 of 30 +Page 8 of 30 + +Manufactured Home (continued) + +HUD Certification Label + +Label Present for All Sections + +Yes + +HUD Certification Number + +ore369497 +ore369498 + +Invoice Information + +Purchased from Retailer +Retailer Name + +Yes +Good Deal Manufactured +Homes + +Retailer’s Invoice Reviewed +Yes +Manufacturer’s Invoice Reviewed Yes +Yes +Invoice(s) Appear Reasonable + +Manufactured Home Commentary + +This was a new Manufactured home installed with existing site structures which is why the home is newer than other structures and amenities. + +Manufactured Home Exhibits + +Foundation + +HUD Data Plate + +This is where the Manufactured Home Foundation photo +would display. + +HUD Certification Label + +HUD Certification Label + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 9 of 30 +Page 9 of 30 + +Manufactured Home (continued) + +Retailer’s Invoice + +This is where the Retailer’s Invoice photo would display. + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 10 of 30 +Page 10 of 30 + +Manufactured Home (continued) + +Manufacturer’s Invoice diff --git a/chunks/txt/4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90.txt b/chunks/txt/4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd16345331806200e628e689ddbb518f0f332dba --- /dev/null +++ b/chunks/txt/4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90.txt @@ -0,0 +1,121 @@ +Any other items that do not require repair, replacement, or inspection may also be reported using the +Recommended Action of None. Example: + +Reference the appropriate government agency appraisal guidelines for specific requirements. + +Apparent Defects, Damages, Deficiencies (Outbuilding) + +Report +Field ID + +Report Label + +When to Include + +12.018 N/A + +12.019 N/A + +12.019 N/A + +Display only + +Required for each +outbuilding when +Outbuilding +Considered Real +Property is Yes + +Allowable +Answers / Format + +N/A + +Yes |No + +Definition / Additional Guidance + +Outbuilding Type redisplays from 12.001. + +Outbuilding Defects Exist: Indicates whether there are apparent defects, +damages, or deficiencies related to the outbuilding. +• + +If No, “None” displays and the Apparent Defects, Damages, Deficiencies +(Outbuilding) table does not display. + +Displays when +Outbuilding Defects +Exist is Yes + +N/A + +The items listed below represent the As Is condition as of the effective date of +this report + +Appendix F-1: URAR Reference Guide + +Page 157 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +12 Outbuilding + +Information About Each Defect, Damage, or Deficiency + +Apparent Defects, Damages, Deficiencies (Outbuilding) + +Definition / Additional Guidance + +Report +Field ID + +Report Label + +When to Include + +12.020 + +Feature + +Required for each +defect, damage, or +deficiency + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Roof + +• +Exterior Walls and Trim +• +Flooring +• +Foundation +• Mechanical System +• +• Walls and Ceiling +• Windows +• +Notes: +• + +Other (Describe) + +12.021 + +Location + +Required for each +defect, damage, or +deficiency diff --git a/chunks/txt/4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037.txt b/chunks/txt/4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbeb328d99493f94778e106014ec7013210072f9 --- /dev/null +++ b/chunks/txt/4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037.txt @@ -0,0 +1,25 @@ +Intended Use + +The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction or related activities. + +Intended User + +The intended user of this report is the lender/client. + +Definition of Market Value + +The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the +buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition +is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller +are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best +interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of +financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special +or creative financing or sales concessions* granted by anyone associated with the sale. + +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are +normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales +transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party +institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost +of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on +the appraiser’s judgment. diff --git a/chunks/txt/4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605.txt b/chunks/txt/4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605.txt new file mode 100644 index 0000000000000000000000000000000000000000..13f4001044b16d0fa41e47e2870608af2d325ba3 --- /dev/null +++ b/chunks/txt/4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605.txt @@ -0,0 +1,5 @@ +record_id: 2000292431000 | year: 2020 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06001 | county_fips_2020: NA | tract_fips_2010: 06001432600 | 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: 35000 | sales_range_low: 25000 | updated_last_15_years: 1 | lot_size: 9 | quality: 4 | condition: 3 | bathrooms: 1 | bedrooms: 1 | gross_living_area: 9 | median_adjustment: -200 | average_adjustment: -314 | adjusted_price: NA | number_comparables: 5 | same_tract_percent: 43 | calculated_proximity: 0.49 | reported_proximity: 0.49 | value_sale_comparison: 35000 | value_cost: 35000 | value_income: NA | appraised_value: 35000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 2000013433000 | year: 2020 | weight: 20 | state_fips_2010: 24 | state_fips_2020: NA | county_fips_2010: 24021 | county_fips_2020: NA | tract_fips_2010: 24021751202 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 55000 | sales_range_low: 45000 | updated_last_15_years: 1 | lot_size: 9 | quality: 2 | condition: 2 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 9 | median_adjustment: -681 | average_adjustment: -519 | adjusted_price: NA | number_comparables: 4 | same_tract_percent: 40 | calculated_proximity: 1.07 | reported_proximity: 1.17 | value_sale_comparison: 45000 | value_cost: 45000 | value_income: NA | appraised_value: 45000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 2000016028000 | year: 2020 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06067 | county_fips_2020: NA | tract_fips_2010: 06067007204 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 25000 | sales_range_low: 15000 | updated_last_15_years: 1 | lot_size: 3 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 9 | median_adjustment: -14650 | average_adjustment: -13342 | adjusted_price: 15000 | number_comparables: 4 | same_tract_percent: 67 | calculated_proximity: 0.49 | reported_proximity: 0.49 | value_sale_comparison: 15000 | value_cost: 15000 | value_income: NA | appraised_value: 15000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 2000078773000 | year: 2020 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06061 | county_fips_2020: NA | tract_fips_2010: 06061021037 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 2 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 35000 | sales_range_low: 35000 | updated_last_15_years: 2 | lot_size: 1 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 9 | median_adjustment: -2500 | average_adjustment: -7750 | adjusted_price: 25000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.14 | reported_proximity: 0.2 | value_sale_comparison: 25000 | value_cost: NA | value_income: 25000 | appraised_value: 25000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 2000074719000 | year: 2020 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39049 | county_fips_2020: NA | tract_fips_2010: 39049009450 | 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: 1 | sales_range_high: 215000 | sales_range_low: 215000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 3 | media diff --git a/chunks/txt/50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a.txt b/chunks/txt/50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef11b7354e29560c77721b82c827474983fd944f --- /dev/null +++ b/chunks/txt/50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a.txt @@ -0,0 +1,341 @@ +true + +FeeSimple + +true + +false + +false + +2019-05-19 + +2019-06-19 + +778000 + +Sale + +None + +true + +Full + +Residential + +1633 Hundred Ave + +Unit + +801 + +Nowhere + +90021 + +CA + +CommonCarport + +2 + +Unassigned + +0 + +FinancingMethod + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +0 + +ProjectInformation + +0 + +NeighborhoodName + +0 + +YearBuilt + +-5000 + +LivingUnitFloorNumber + +30000 + +VehicleStorage + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +819000 + +SouthEast + +Less + +false + +VA + +false + +678 + +2 + +0.47 + +25000 + +false + +525 + +Monthly + +AssociationDues + +AssociationSpecialAssessment + +None + +true + +Dwelling + +1986 + +false + +Quality carpeting. + +Flooring + +SignificantlyUpdated + +1171 + +0 + +false + +2 + +false + +8 + +2 + +0 + +C3 + +Q4 + +Decorative tiling and finishes + +FullyUpdated + +Quality components + +Kitchen + +FullyUpdated + +Midrise + +1 + +Centralized + +ForcedWarmAir + +PropertyPhoto + +\\Images\Condo1_Comp2.jpg + +image/jpeg + +11 + +790000 + +SettledSale + +25.165171 + +-51.328127 + +Midtown + +IngroundPool + +IngroundSpa + +Condominium + +ABC Estates + +Balcony + +OutdoorLiving + +1 + +IndoorFireplace + +WholeHome + +0 + +Attached + +1 + +false + +1 + +C3 + +Q4 + +true + +true + +FeeSimple + +true + +false + +true + +true + +2019-06-19 + +10000 + +2019-08-19 + +794000 + +Sale + +2018-10-01 + +779000 + +Sale + +TypicallyMotivated + +None + +true + +Full + +Residential + +1639 Town St + +Unit + +333 + +Nowhere + +90021 + +CA + +ParkingGarage + +2 + +Owned + +0 + +FinancingMethod + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +0 + +ProjectInformation + +0 + +NeighborhoodName + +0 + +YearBuilt + +0 + +LivingUnitFloorNumber + +-10000 + +CornerUnit + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +755000 + +South + +Less + +false + +FHA + +false + +712 + +3 + +0.44 + +-10000 + +false + +475 + +Monthly diff --git a/chunks/txt/5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c.txt b/chunks/txt/5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c.txt new file mode 100644 index 0000000000000000000000000000000000000000..44f8dd54aaa490541bc28918a00d2e6a85a26d01 --- /dev/null +++ b/chunks/txt/5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c.txt @@ -0,0 +1,8 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-36-resources" +date_accessed: "2026-01-27T17:46:01.881Z" +--- + +[Skip to main content](#main-content) + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav diff --git a/chunks/txt/50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619.txt b/chunks/txt/50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619.txt new file mode 100644 index 0000000000000000000000000000000000000000..a90be3e13bededac6640715005050014e457a9d4 --- /dev/null +++ b/chunks/txt/50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619.txt @@ -0,0 +1,5 @@ +Rental Information Exhibits ...................................................................................................................................................................................................... 314 + +Rental Information – Arcrole Relationships ............................................................................................................................................................................. 316 + +24 Income Approach ............................................................................................................................................................................................................................ 319 diff --git a/chunks/txt/501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d.txt b/chunks/txt/501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd6fb0883b528ef02df8cc1b1b451f424a6f3532 --- /dev/null +++ b/chunks/txt/501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d.txt @@ -0,0 +1,94 @@ +If No, the appraiser must provide commentary in Sales Contract Analysis as to +the reasons why the sales contract was not analyzed. +• + +This must include a description of the appraiser’s source of the +information about the sales transaction, efforts made to obtain the sales +contract, and why the sales contract was not provided. +If the appraiser was not provided with the contract and becomes aware of +details through other means that they wish to report (such as Contract +Price or Contract Date), this can also be addressed in Sales Contract +Analysis. + +• + +Required if Is There a +Sales Contract is Yes + +Yes | No + +Appears to be Arm’s Length Transaction: Indicates whether this is an arm's +length transaction. + +Required if Appears to +be Arm’s Length +Transaction is No + +Required if Sales +Contract Information +Analyzed is Yes + +Required if Sales +Contract Information +Analyzed is Yes + +Free-form + +Describes the relationship between the parties in the transaction. + +Dollar amount + +The dollar amount stated in the sales contract. + +Date + +The date the sales contract was fully executed. + +Appendix F-1: URAR Reference Guide + +Page 204 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +20 Sales Contract + +Sales Contract: General information + +Report +Field ID + +Report Label + +When to Include + +20.006 Transfer Terms + +Required if Sales +Contract Information +Analyzed is Yes + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Court Ordered Non-Foreclosure Sale +Estate Sale +Foreclosure Sale +Land Sale +Pre-Subdivision Sale +Relocation Sale +REO Sale +Sale Between Related Parties +Short Sale +Typically Motivated (e.g., Arm’s Length sale) +Other (Describe) (e.g., Private Sale) diff --git a/chunks/txt/501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465.txt b/chunks/txt/501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465.txt new file mode 100644 index 0000000000000000000000000000000000000000..c099a9afdad7c51392ef5e8262ddc01445803e66 --- /dev/null +++ b/chunks/txt/501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465.txt @@ -0,0 +1,116 @@ +Integrated Systems that receive and parse the following DU message identifiers and related message text will need to be updated +to support these changes. + +Message +Status + +Message + +Identifier + +Message Severity +Type Code + +Message Category +Type Code + +Message +Type + +Lender Text + +New + +29 + +5 = VERIFICATION + +6 = REQUIRED +FUNDS + +Parametric + +Assets of $%a have been validated using asset account +information, which is the sum of all eligible liquid assets +identified by DU in the asset verification report, excluding +any applicable large deposits for purchase transactions. +The asset verification report is acceptable documentation +to support these assets. The Total Funds to be Verified +amount in DU is $%a. If the actual amount of funds +required to close increases and is greater than $%a, +document sufficient liquid assets to cover the additional +amount. + +© 2024 Fannie Mae + +6.18.24 Page 1 of 2 + +Message +Status + +Message + +Identifier + +Message Severity +Type Code + +Message Category +Type Code + +Message +Type + +Lender Text + +New + +31 + +5 = VERIFICATION + +6 = REQUIRED +FUNDS + +Fixed + +New + +33 + +5 = VERIFICATION + +6 = REQUIRED +FUNDS + +Parametric + +New + +3755 + +5 = VERIFICATION + +6 = REQUIRED +FUNDS + +List + +Assets provided on the loan application are not sufficient +to cover the Funds Required to Close. It appears that DU +may be able to validate assets using the asset verification +report. Update the assets on the loan application and +resubmit the loan casefile to DU. + +Total Funds to be Verified is $%a. Assets of $%a have +been validated using asset account information which is +less than the Total Funds to be Verified amount. The asset +verification report is acceptable documentation to +support these assets. Document proceeds from net equity +funds in the amount of $%a to cover the Total Funds to be +Verified amount. +The following is a summary of the accounts in the asset +verification report(s) that are eligible for use for asset +verification: + Vendor | Rep ID | Financial Institution | Account Type | +Account Number | Account Owner(s) | Current Balance diff --git a/chunks/txt/501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4.txt b/chunks/txt/501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4.txt new file mode 100644 index 0000000000000000000000000000000000000000..481a6afd60f9fe0e6eb68e155d709b8afc8781d9 --- /dev/null +++ b/chunks/txt/501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4.txt @@ -0,0 +1,51 @@ +the Appraiser and Supervisory Appraiser subsection in this chapter (FID: 08.013 - 08.042). + +• AMC Fee, when provided, is included in the instance of PARTY with the AMC, as described in the [Role]/[Role] subsection in this chapter (FID: + +08.006 – 08.012). + +o PartyRoleType (UID: 2400.0367, FID: 8.006) = “ManagementCompany” when the AMC is not the client. +o PartyRoleType (UID: 2400.0365, FID: 8.007) = “ManagementCompany” when the AMC is the client. + +Example of Appraiser Fee and AMC Fee + +Figure 08 - 1 + +Page 34 + +Contact Information + +The Contact Information subsection includes information about the people and/or companies (“contacts”) that are pertinent to the appraisal, including: + +• Clients, including lenders, AMCs, and other parties ([Role]/[Role] subsection) +• Appraiser and supervisory appraiser, if applicable (Appraiser/Supervisory Appraiser subsection) + +Every contact has one or more roles (PartyRoleType). The PartyRoleType determines which of the subsections the contact appears in. + +Page 35 + +[Role]/[Role] + +This portion of Contact Information shows details about the lender, client, and/or AMC. It repeats for each lender, client, and/or AMC on the report (each +instance of PARTY). + +A PARTY can have more than one PartyRoleType, which impacts the report display and the XML creation. This table provides some typical examples. + +Example + +Occurrences of PartyRoleType in XML + +How to Display Subheading +(08.006 /08.007) + +Reference in This Chapter + +[Role]/[Role] - Examples + +Page 36 + +The lender is the +client + +− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client” +− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Lender” diff --git a/chunks/txt/501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64.txt b/chunks/txt/501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0f1430d0f4f17659442e9e5717a30dd5c75e561 --- /dev/null +++ b/chunks/txt/501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64.txt @@ -0,0 +1,129 @@ +…/SALES_CONTRAC +T/SALES_CONTRAC +T_DETAIL + +Sale Price of Any +Personal Property +Included in Sale ($) + +MISMO v3.3.0 +Data +Point/Attribute + +PersonalPropertyA +mount + +MISMO v3.3.0 +Value + +Notes + +3000.00 + +ROF as “$3,000.00” + +PersonalPropertyIn +cludedIndicator + +true + +When true, +PersonalPropertyA +mount is provided +if separately +itemized in sales +contract + +Version 1.4 + +Appendix E: UCD Implementation Guide + +Page 165 of 254 + +Uniform Closing Dataset + +11.0 K. Due from Borrower at Closing + +ID + +Form Field Name + +11.1 | +11.1.1 + +Sale Price of +Property ($) + +Table 108. Sale Prices of Real and Personal Property + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +RealPropertyAmou +nt + +237000.00 + +ROF as +“$237,000.00” + +11. 3 CLOSI NG COSTS PAI D AT CLOSI NG (J) + +Summaries of Transactions + +BORROWER’S TRANSACTION (11.0 – 13.0) + +11.0 K. Due from Borrower at Closing + +11.0.1 $252,347.30 + +0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1 + +03 11.3 Closing Costs Paid at Closing (J) + +11.3.1 $10,167.30 + +Figure 93. Closing Costs Paid at Closing (J) + +The dollar amount for 11.3 Closing Costs Paid at Closing (J) is calculated as the 9.2.2 Borrower-Paid at Closing +subtotal less the amount for 9.3.2 Lender Credits. A new instance of Integrate DisclosureSectionTotalAmount +used to capture this value for Section K. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Table 109. Closing Costs Paid at Closing (J) + +11.3.1 Closing Costs Paid + +at Closing (J) ($) + +…/INTEGRATED_DIS +CLOSURE_SECTION +_SUMMARY_DETAI +L + +IntegratedDisclosur +eSectionTotalAmou +nt diff --git a/chunks/txt/502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6.txt b/chunks/txt/502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba6ae6e70f2a766e21c4849c48f9cc5bea1a4850 --- /dev/null +++ b/chunks/txt/502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6.txt @@ -0,0 +1,21 @@ +• Appendix E-2: Report Style Guide Supplement – Restricted Appraisal Update Report with Codes + +shows a marked-up report with the codes indicated. + +• Appendix E-3: Report Style Guide Supplement – Completion Report with Codes shows a marked- + +up report with the codes indicated. + +Appendix E: Report Style Guide + +Page 3 of 90 + +Version 1.4 + +Table of Contents + +Revision History ................................................................................................................................................. 2 + +Introduction ....................................................................................................................................................... 3 + +Table of Contents ............................................................................................................................................... 4 diff --git a/chunks/txt/5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb.txt b/chunks/txt/5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ae035e79fe7c3d9d2b7767449132212484c28e4 --- /dev/null +++ b/chunks/txt/5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb.txt @@ -0,0 +1,88 @@ +19.3.1 Step Payments? For + +your first ___# +payments + +…/PAYMENT_RULE/ PaymentFrequencyT + +Monthly + +ROF as “MonthlY” + +ype + +…/PAYMENT_RULE/E +XTENSION/OTHER + +gse:TotalStepPayme +ntCount + +48 + +Represented as “first +48 payments” on +form + +19. 4 SEASONAL PAYMENTS? + +If the loan does not have regularly scheduled continuous periodic payments, then it has a Seasonal Payment +feature. For seasonal loans, the period during which periodic principal and interest payments are not made is all +that must be disclosed. For example: 30-year Fixed | “Teacher” Loan | Monthly payments not required during +June, July, and August. + +Adjustable Payment (AP) Table + +19.0 if yes: + +Seasonal Payments? + +19.4YES + +19.4.1 For your first 48 payments + +19.5 Monthly Principal and Interest Payments + +First Change / Amount 19.6 + +Subsequent Changes + +19.7 + +Maximum Payment + +19.8 + +Appendix E: UCD Implementation Guide + +Page 205 of 254 + +Version 1.4 + +Uniform Closing Dataset + +19.0 Adjustable Payment (AP) Table + +Figure 126. AP Table - Seasonal Payments + +For the AP Table, “YES” is provided in answer to the question Seasonal Payments? in row 19.4, along with the +identification of the seasonal payment period (period during which no periodic payments are made). The +bottom half of the table is not applicable for seasonal payments. + +1. LOAN TERMS TABLE FOR SEASONAL PAYMENT LOAN + +As shown in the figure below, the Loan Terms table simply provides a reference to the AP Table. + +Loan Terms + +4.0 Initial P&I + +Increase? + +Description + +4.3 Monthly Principal & Interest + +See Projected Payments below for your +Estimated Total Monthly Payment + +4.3.1 $1,250.00 diff --git a/chunks/txt/502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1.txt b/chunks/txt/502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..42046c40582f95f2a61b897b05c6d284d54f6d16 --- /dev/null +++ b/chunks/txt/502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1.txt @@ -0,0 +1,109 @@ +2 + +Uniform Residential Appraisal Report (Hybrid) +The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property. + +4 4a + +File # 3 + +7 + +10 + +City + +Owner of Public Record + +Property Address 6 +Borrower +Legal Description 13 +Assessor’s Parcel # 14 +Neighborhood Name +Occupant Owner Tenant Vacant +21 +Property Rights Appraised Fee Simple Leasehold +28 +Assignment Type Purchase Transaction Refinance Transaction Other (describe) 35 +Lender/Client 36 +Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No +Report data source(s) used, offering price(s), and date(s). e-2; 40 + +Tax Year +Map Reference + +R.E. Taxes $ +Census Tract + +Special Assessments $ 23 + +Other (describe) 31 +30 + +State 8 +County + +18 + PUD +24 + +34 +Address + +HOA $ 25 + +Zip Code + +29 +33 + +17 + +15 + +12 + +37 + +11 + +39 + +38 + +20 + +32 + +22 + +16 + 19 + per year per month +26 + +27 + +9 + +41 + +I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not +42 +performed. e-3; 43 + +Contract Price $ 44 +Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No +If Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b + +Is the property seller the owner of public record? Yes No Data Source(s) 48 + +Date of Contract + +45 + +46 + +47 + +49 diff --git a/chunks/txt/503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6.txt b/chunks/txt/503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6.txt new file mode 100644 index 0000000000000000000000000000000000000000..b41175cb845853030d0f06da4899b35c3d6887e1 --- /dev/null +++ b/chunks/txt/503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6.txt @@ -0,0 +1,37 @@ +type of foundation and utility connections, + +Note: For existing construction, the appraiser must also provide a photo(s) of the HUD Data Plate or the HUD Certification Label(s) +for each section of the home. (Photos of both are required for new construction.) + +• + +The appraiser must indicate a value conclusion based solely on the real property as completed consisting of the + +o manufactured home, +o +o + +site improvements, and +land on which the home is situated. + +The value conclusion cannot include any non-realty items including, but not limited to, insurance, warranties, or personal +property (e.g., furniture.). + +Newly Constructed Manufactured Housing Appraisal Requirements + +For new manufactured homes not yet attached to the land or not yet constructed, the appraisal may be based on either plans and +specifications or an existing model home. If required information is not available at the time the appraiser is completing the +appraisal report, the appraiser must appraise the property subject to the receipt and review of the items and completion of the +improvements as a condition of the appraisal. Information that may not be available can include, but is not limited to, the dealer +invoice, the HUD Data Plate, and the Certification Label numbers. + +A Completion Report must be obtained before the loan is sold to Fannie Mae. The Completion Report must: + +• + +• be completed by the original appraiser if possible, or if not possible, by a substitute appraiser. verify and state that the +improvements were completed, and all other requirements and conditions of the appraisal have been satisfied; +include previously unavailable information, and a summary of the appraiser’s analysis of any previously unavailable +dealer invoice; and +include photos of the completed improvements attached to the permanent foundation, and of the HUD Data Plate and +HUD Certification Label(s), or acceptable alternatives. diff --git a/chunks/txt/504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988.txt b/chunks/txt/504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7188372860657e526b0fe8c90c2965800cae9d2 --- /dev/null +++ b/chunks/txt/504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988.txt @@ -0,0 +1,230 @@ +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +Q3 + +C2 + +Q3 + +C2 + +Q4 + +C3 + +$10,000 + +$10,000 + +Q3 + +C2 + +Patio | Porch + +Patio | Porch + +Patio + +$5,000 + +Porch + +$2,500 + +Driveway | 4 | Pavers +Garage | 2 | Attached +400 Sq. Ft. + +Driveway | 2 | Asphalt +Garage | 2 | Attached +400 Sq. Ft. + +Driveway | 2 | Asphalt + +Driveway | 4 | Asphalt + +$0 + +$10,000 + +$10,000 + +— + +— + +$340,000 + +$325,000 + +$325,000 + +$(39,120) + +$191 + +$285,880 + +Less + +$229,999 + +$219,950 + +$219,950 + +$54,040 + +$163 + +$273,990 + +Less + +$265,000 + +$247,000 + +$247,000 + +$20,425 + +$156 + +$267,425 + +Most + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$275,000 + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 13 of 20 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +123 Anywhere St +Somecity, TN 12435 + +3026 Old West St +Somecity, TN 12435 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Site + +Site Size + +Neighborhood Name + +Zoning Compliance + +Street Type | Surface + +This is where the +Comparable 4 photo +would display. + +MLS 193032 | Assessor Record + +2 Miles SW + +$285,000 + +Pending + +$275,000 + +— + +03/08/2022 + +— + +92 + +— + +— + +— + +— + +— + +— + +— + +$0 + +$0 + +$0 + +Detached + +Detached + +14,000 Sq. Ft. + +13,068 Sq. Ft. + +Magic Hill + +Legal + +Local Road | Asphalt + +Southwest +Lake Gardens + +Legal + +Local Road +| Asphalt diff --git a/chunks/txt/5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55.txt b/chunks/txt/5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55.txt new file mode 100644 index 0000000000000000000000000000000000000000..cbe2e78c09e60de91de757b73a3cbd87fa3053a6 --- /dev/null +++ b/chunks/txt/5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55.txt @@ -0,0 +1,72 @@ +Take a moment to check out the (UCD Collection Solution) —it’s your go-to spot for the latest tools, updates, and resources to +help you get ready for UCD v2.0 and upcoming edit changes. + +Click on the 3 bars on the left-hand side of the application to see the menu options listed below: + +UCD Test Environment URL +Home Tab + +Tasks that can be performed +UCD submissions + +Submissions History Tab + +• Upload UCD XML file or a zip file of up to 50 XML UCD files +• Create a new UCD file by manually entering the required data, then + +submit it to UCD for processing +Edit a UCD JSON file that was saved from a previous manual entry session + +• +Search for + +Lender Loan Number + +• Casefile ID +• +• Batch ID +• Date Range + +© 2025 Fannie Mae + +Page 2 of 3 + +Relationship Tab + +Use this tab to test if you have set up or manage relationships. For assistance, refer +to the + +Quick Guide: Relationships for UCD Transfers. + +Search for lenders (Lender Name and Seller Servicer Number) +Initiate, accept, and terminate relationships + +• +• +• Requests received +• Request initiated +• Relationship status + +Transfer Activity Tab + +Use this tab to test if you use the Transfer functionality. For assistance, refer to the + +Quick Guide: UCD Transfer + +• +Search Casefile ID +• UCD files received +• UCD files transferred or cancelled + +Qualified Mortgage + +Use this tab to get a summary of the Qualified Mortgage for a particular Casefile ID. + +Enter a valid Casefile ID + +• +• The Casefile ID must have Qualified Mortgage information + +© 2025 Fannie Mae + +Page 3 of 3 diff --git a/chunks/txt/50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08.txt b/chunks/txt/50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e3dd0780c5b88681ea8bdff177659276d099038 --- /dev/null +++ b/chunks/txt/50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08.txt @@ -0,0 +1,25 @@ +STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is +subject to the following assumptions and limiting conditions: + +1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title +to it, except for information that he or she became aware of during the research involved in performing this appraisal. The +appraiser assumes that the title is good and marketable and will not render any opinions about the title. + +2. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency +(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an +identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or +implied, regarding this determination. + +3. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +4. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or +she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal +report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the +property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, +adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such +conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such +conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. +Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as +an environmental assessment of the property. diff --git a/chunks/txt/5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a.txt b/chunks/txt/5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a.txt new file mode 100644 index 0000000000000000000000000000000000000000..d66284e2ac31f0e70e13e3839a569c1c36de09d3 --- /dev/null +++ b/chunks/txt/5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/duty-to-serve/performance-data" +date_accessed: "2026-01-27T17:48:04.087Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17.txt b/chunks/txt/5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17.txt new file mode 100644 index 0000000000000000000000000000000000000000..ccc35b8a883cfc8a486f60aec72d7ee7006fbcee --- /dev/null +++ b/chunks/txt/5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17.txt @@ -0,0 +1,86 @@ +Income Approach Exhibits + +Report +Field ID + +See +iGuide + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Always required + +Image + +Income +Approach +Exhibits + +Map of Subject and GRM Comparables +A map of the subject and GRM comparables must be provided, which can +display in Income Approach Exhibits with the caption “Map of GRM +Comparables”. An additional caption may be provided. + +See +iGuide + +Income +Approach +Exhibits + +See +iGuide + +Income +Approach +Exhibits + +Always required + +Photos or images + +If relevant + +Photos or images + +Note: Can be provided as one map in the Sales Comparison Approach section. + +Property Photo +Photos of the GRM comparable properties display in this subsection with the +Comparable #. The thumbnails from the top of the GRM comparison grid are +redisplayed, in addition to any other photos that are provided. An additional +caption may be provided. + +Income Approach Exhibit +Other photos or images related to the Income Approach section may be +provided, which display in Income Approach Exhibits. A caption should be +provided to further describe the photo or image. + +Appendix F-1: URAR Reference Guide + +Page 310 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +25 Cost Approach + +25 Cost Approach + +The Cost Approach section includes cost estimates by the appraiser of: +• The value of the land +• The cost of constructing dwellings and outbuildings (reproduction or replacement) +• The appropriate amount of depreciation + +This section provides space for additional commentary and exhibits. + +This section displays when Cost Approach Developed by Appraiser is Yes. The “When to Include” column in this +chapter references appraisals for which Cost Approach Developed by Appraiser is Yes. diff --git a/chunks/txt/50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966.txt b/chunks/txt/50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966.txt new file mode 100644 index 0000000000000000000000000000000000000000..5b6826965e6314cc1e8fda77b3c216ef77ba35fb --- /dev/null +++ b/chunks/txt/50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966.txt @@ -0,0 +1,48 @@ +c. + +Identify UCD v2.0 version (UCD2.0) and time of file creation. + +d. Describe the XML file payload as data with documents (“DOCUMENT” containers holding documents and their + +metadata and “DEAL” containers with data corresponding to the document). + +e. Establish limits for the number of sets of documents that can be included in one XML file submission. + +2. + +IDENTIFYING THE XML FILE FOR PROCESSING + +The following UCD v2.0 excerpt adds data points and attributes to the containers. They provide the information for the +receiving system to know how to translate the file, when it was created, and what type of payload it has. In the case of the + +UCD v2.0 Implementation Guide + +- 10 - + +Version 1.0 + +Uniform Closing Dataset + +III. XML File Handling + +XML file, the payload includes closing transaction data and a PDF file of the associated CD. Since these data points cannot be +cross-referenced to a heading or label on the CD, they are listed in the column “GSE Specification Data Point Category” as +“XML File”. + +a. XML File Setup + +i. gse: Namespace + +The “gse:” namespace prefix to UCD v2.0 container and data point names signals that they are EXTENSIONs to the MISMO +v3.3.0 schema (mismo.xsd). The term “xmlns:gse = http://www.datamodel extension.org/Schema/gse” included in the +declarations at the top of the XML file allows receiving systems to recognize and accept the extended data points, even +though they are not included in the mismo.xsd file. The containers and data points in the gse: namespace are not validated +against a schema. + +ii. ucd: Namespace + +The “ucd:” namespace prefix to container and data point names indicates that they are EXTENSIONs to the mismo.xsd +file. The term “xmlns:ucd = http://www.datamodelextension.org/Schema/ucd” included in the declarations at the top of the +XML file allows receiving systems to recognize and accept the extended data points, even though they are not included in the +mismo.xsd file. These containers and data points in the ucd: namespace ARE validated against a UCD EXTENSION schema, +ucd.xsd. diff --git a/chunks/txt/50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593.txt b/chunks/txt/50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ce9541fbc048d908d20d97926a44e87ff8830b4 --- /dev/null +++ b/chunks/txt/50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593.txt @@ -0,0 +1,29 @@ +Intended User + +The intended user of this appraisal report is the lender/client. + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the +subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics +of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender +identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the +present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other +basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and +limiting conditions herein. + +6. I certify that I did perform a personal inspection of the subject property to determine if the conditions or requirements stated in the original +appraisal have been satisfied. diff --git a/chunks/txt/50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b.txt b/chunks/txt/50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d87b2cb4861a0f17b24f741200c37c8b481c8b82 --- /dev/null +++ b/chunks/txt/50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b.txt @@ -0,0 +1,65 @@ +February 17 + +UCD Critical Edits - + +Phase 2 + +Implementation + +In preparation for the Phase 2 UCD edits transition to fatal severity, several edits have been updated to provide additional +clarity on data requirements where a zero value may or may not be valid. Review the UCD Critical Edits Implementation +Guide for details. + +© 2022 Fannie Mae + +December 2022 + +Effective +Date + +Impacted Area + +February 14 + +UCD Critical Edits - + +Phase 1 + +Implementation + +January 24 + +UCD Critical Edits - + +Phase 1 + +Implementation + +Description + +To further refine UCD Phase 1 data quality, fatal edit 3128 will be updated to not allow negative values, effective Feb. 14, +2022. The edit feedback message will be updated to the following: + +Fatal edit 3128: Regulation Z Total Points and Fees Amount is required, excluding Bona Fide Discount Points. Data should +be numeric up to 9 digits, with up to 2 decimal places and cannot be negative. + +Edit 3317 will transition from warning-to-fatal to a warning severity and the edit feedback message will be updated on +January 24, 2022, to the following: + +Edit 3317: The reported Regulation Z Total Points and Fees Amount provided is $0.00. Validate the amount to ensure the +accuracy of the value provided. For additional information on the Regulation Z Total Points and Fees Amount, contact your +Compliance Team. + +January 24 + +UCD Critical Edits - + +Phase 2 + +Implementation + +NOTE: Edit 3317 will not be transitioning to fatal in January as originally announced. The edit will be warning +severity at this time. + +In preparation for the Phase 2 UCD edits transition to fatal severity, several feedback messages have been updated to +provide additional clarity. Review the UCD Feedback Messages for details. diff --git a/chunks/txt/50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1.txt b/chunks/txt/50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..132e7ad900f3197d8252a81367097fb12310d628 --- /dev/null +++ b/chunks/txt/50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1.txt @@ -0,0 +1,5 @@ +FHFA serves as an ex officio non-voting member of the [Alternative Reference Rates Committee (ARRC)](https://www.newyorkfed.org/arrc/about) established by the Federal Reserve Board and the New York Federal Reserve Bank to facilitate the migration away from LIBOR to the Secured Overnight Financing Rate (SOFR), the rate selected by ARRC as a more robust transactions-based replacement for LIBOR in the U.S. Fannie Mae, Freddie Mac, and the FHLBanks (through the FHLBank of New York) all serve as members of the ARRC. + +FHFA is working with its regulated entities to monitor their exposure to LIBOR as they execute their transition plans away from LIBOR. The FHFA’s regulated entities (Fannie Mae, Freddie Mac, and the FHLBanks)are now regular issuers of SOFR-indexed debt. + +## Steps Taken diff --git a/chunks/txt/50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b.txt b/chunks/txt/50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b.txt new file mode 100644 index 0000000000000000000000000000000000000000..9fb1c6e50251d1c03504911532f1ec7b1e220aba --- /dev/null +++ b/chunks/txt/50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/foia-privacy" +date_accessed: "2026-01-27T17:54:20.287Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4.txt b/chunks/txt/50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4.txt new file mode 100644 index 0000000000000000000000000000000000000000..0856850c2f0992acddd9c3d292188516d555864b --- /dev/null +++ b/chunks/txt/50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4.txt @@ -0,0 +1,39 @@ +Note: Properties can have the same rating or description and still require an adjustment. It should be noted this not only applies +to condition and quality ratings but can apply to other ratings or descriptions as well. For example, all water views may not be +equal. In this instance, an adjustment should be made and explained in the Commentary section of the report. + +Property Condition + +Lenders must take the necessary steps to confirm that a property meets Fannie Mae’s condition requirements as outlined in this +topic. + +The table below provides the requirements for property condition. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 87 of 166 + +UAD 3.6 Policy + +✓ + +Requirements + +The appraisal report must include the appraiser’s opinion about the condition of the improvements based +on factual data. + +Appraisals based on interior and exterior inspections must include complete visual inspections of the +accessible areas of the property. Areas of the property that are not accessible must be disclosed in the +report. + +Note: Appraisers are not responsible for hidden or unapparent conditions. + +Appraisal reports must reflect adverse conditions that were apparent during the inspection or discovered +while performing research, such as needed repairs, deterioration, or the presence of hazardous waste, +toxic substances, or adverse environmental conditions. + +Detrimental conditions of the improvements must be reported in the appraisal even if the conditions are +typical for competing properties. + +The appraiser must rate the interior, exterior, and overall condition of the dwelling(s). (See Dwelling +Condition Ratings and Identifying Dwelling Condition in this topic for details.) diff --git a/chunks/txt/50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18.txt b/chunks/txt/50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18.txt new file mode 100644 index 0000000000000000000000000000000000000000..a461ba0b3a5fee1c2073b2adaee77ce3867d8dc8 --- /dev/null +++ b/chunks/txt/50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18.txt @@ -0,0 +1,147 @@ +Minimal wear and tear with +limited physical depreciation. + +Semi-custom + +Typical Wear and Tear + +Minimal wear and tear with +limited physical depreciation. + +Core Heating System Below Grade + +Other Mechanical Systems + +Water Heater + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Dwelling Exterior + +Exterior Walls and Trim + +Location + +Description + +Lower right corner of +rear wall + +Possible termite infestation + +Mechanical System + +Below grade area + +The hot water heater is not operational. No +hot water. + +Affects Soundness or +Structural Integrity + +Recommended +Action + +No + +No + +Inspection + +Repair + +Dwelling Exterior Commentary + +The subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear +and tear. + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +3,308 Sq. Ft. +0 Sq. Ft. +720 Sq. Ft. +72 Sq. Ft. +Assessor Record +MLS +Physical Measurement + +Below Grade Finish Compared +to Above + +Similar + +Level and Room Detail + +Level in Unit +Level B1 + +Grade Level Detail +Partially Below Grade +Interior and Exterior Access +Walk Out + +Level 1 + +Above Grade + +Level 2 + +Level 3 + +Above Grade + +Above Grade + +Finish +Finished + +Unfinished + +Finished + +Finished + +Finished + +Levels in Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +4 +Vacant +5 +4 +1 + +Area +720 Sq. Ft. + +72 Sq. Ft. + +1,248 Sq. Ft. + +1,224 Sq. Ft. + +836 Sq. Ft. + +Room Summary +1 - Bath - Full +1 - Bedroom +1 - Den diff --git a/chunks/txt/5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c.txt b/chunks/txt/5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a80244b7b8dc107fa869ab21b895471ca20cae9 --- /dev/null +++ b/chunks/txt/5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c.txt @@ -0,0 +1,80 @@ +Container | Modular | On- +Frame Modular |Site Built | +3D Technology + +Manufactured + +Container | Modular | On- +Frame Modular |Site Built | +3D Technology + +Yes or No + +Yes + +Yes + +Yes or No + +Yes or No + +__ + +1 + +0 or 1 + +Condominium + +Cooperative + +Condominium or Cooperative + +Condominium or Cooperative + +1 + +0 or 1 + +1 + +0 or 1 + +1 + +0 or 1 + +2, 3, or 4 + +0 or 1 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +5 + +URAR - Summary Section + +The Summary section of the URAR provides information that defines property and report type. The highlighted items represent the property type characteristics. The FIDs (red numbers) +provide a way to associate the report labels to the data points in the URAR Delivery Specification and other published appendices and artifacts. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +6 + +Example 1: Detached Single-Family + +Example 2: Condo + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +7 + +Example 3: 2- to 4-Unit + +Example 4: Manufactured Home + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. diff --git a/chunks/txt/510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d.txt b/chunks/txt/510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d.txt new file mode 100644 index 0000000000000000000000000000000000000000..8ece2d01bc905226041c831e205d26e952b5e1bd --- /dev/null +++ b/chunks/txt/510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d.txt @@ -0,0 +1,9 @@ +### History + +Prior to 2010, the Enterprise single-family PUDB consisted of three files: Census Tract, National A, and National B files. With the 2010 Enterprise PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The single-family Census Tract file includes information on the location of the property based on the 2010 Census for acquisition years 2012 through 2021, and the 2020 Census beginning with the 2022 acquisition year. The National files contain other information but lack detailed geographic information in order to protect Enterprise proprietary data. The multifamily datasets also consist of a Census Tract file, and a National file without detailed geographic information. + +### Current Release Notes + +Historically, the Enterprise PUDB has been released in TXT (text) format without a header row. The 2024 Enterprise PUDB release presents the data in two formats. The 2024 release includes the TXT format without a header row that has been used historically. The 2024 release also presents the same data in CSV (Comma Separated Value) format with a header row. *Note that FHFA plans to discontinue publication of the TXT format version beginning with the 2025 Enterprise PUDB release in September 2026, so that only the CSV format with a header row will be available in future years*. + +In this release, the Multifamily National File at the Property Level and the Multifamily National File at the Unit-Class Level are available through two separate links instead of one. The data specifications remain unchanged from prior years. diff --git a/chunks/txt/511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f.txt b/chunks/txt/511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f.txt new file mode 100644 index 0000000000000000000000000000000000000000..460e896c8747d374eac4ec31dfacfbcb7f4d14dc --- /dev/null +++ b/chunks/txt/511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f.txt @@ -0,0 +1,3 @@ +Footer ....................................................................................................................................................................................................................................................... 66 + +01 Summary ........................................................................................................................................................................................................................................... 68 diff --git a/chunks/txt/513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814.txt b/chunks/txt/513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814.txt new file mode 100644 index 0000000000000000000000000000000000000000..f044a82aadad31fd550d2c6ab94ceb0543c031d6 --- /dev/null +++ b/chunks/txt/513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814.txt @@ -0,0 +1,22 @@ +[]()Use your SMDU UI credentials to access the release notes. + +**Borrower-initiated MI Termination** + +- [SMDU MIT Release V. 2024.5 | May 17, 2024](/media/document/pdf/smdu-mi-termination-20245-release-notes) +**Loss Mitigation/Loss Mitigation Valuations** + +- [SMDU Updates to Determining Flex Mod Terms | November 25, 2024](/media/document/pdf/smdu-updates-determining-flex-mod-terms-november-25-2024) +- [SMDU Release V. 2024.11 | November 15, 2024](/media/document/pdf/smdu-release-v-202411-november-15-2024) +- [SMDU Release V. 2024.6 | June 21, 2024](/media/document/pdf/smdu-release-v-20246-june-21-2024) +- [SMDU Release V. 2024.2 | February 16, 2024](/media/document/pdf/smdu-release-v-20242-february-16-2024) +[View All](https://singlefamily.fanniemae.com/search#q=SMDU%20release%20notes&sort=date%20descending&f:@tags=[single%20family,smdu]&f:@fmcontenttype=[ReleaseNotes]) + +The Technology Terms and Conditions previously provided on this page are now located in the new Consolidated Technology Guide. A PDF version of the Guide and other related content is available on the [Consolidated Technology Guide page](https://www.fanniemae.com/tech-guide). + +> ### + +With SMDU, we are able to absorb policy changes immediately. We’ve seen an increase in approvals – about twice the pre-SMDU rate – especially for solutions that let homeowners stay in their homes. + +# help + +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); } }); diff --git a/chunks/txt/51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f.txt b/chunks/txt/51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f.txt new file mode 100644 index 0000000000000000000000000000000000000000..06bc2ca353b6d3a286afcbfb373f3874d81224ac --- /dev/null +++ b/chunks/txt/51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f.txt @@ -0,0 +1,185 @@ +Metal + +C2 + +Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 18 of 23 + +Sales Comparison Approach (continued) + +Property Address + +14568 Generic Rd +Out There, VA 56789 + +35361 Place Rd +Out There, VA 56789 + +38243 Place Rd +Out There, VA 56789 + +35422 Place Rd +Out There, VA 56789 + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +Interior Quality and Condition + +Quality + +Kitchen + +Overall Bathrooms + +Overall Flooring + +Walls and Ceiling + +Condition + +Kitchen + +Overall Bathrooms + +Overall Flooring + +Q4 + +Q3 + +Q4 + +Q2 + +Mid Grade Quality + +Mid Grade Quality + +Mid Grade Quality + +Very High Quality Appliances + +Mid Grade Finishes + +Mid-High Quality Finishes + +Mid Grade Finish + +Very High Quality Finishes + +Carpets, Tile, Hardwood + +Standard 8-9 Ft. Ceilings + +C4 + +Partially Updated + +Moderately Updated + +Moderately Updated + +Carpet, Vinyl + +Carpets, Tile, Hardwood + +Hardwood and Tile Thruout + +8 Ft. Ceilings + +Standard 8-9 Ft. Ceilings + +9 Ft. and 10 Ft. Ceilings + +C3 + +Fully Updated + +Not Updated + +Fully Updated + +C4 + +Fully Updated + +Not Updated + +Moderately Updated + +C2 + +Fully Updated + +Fully Updated + +Fully Updated + +ADU Interior Quality and Condition + +Location of ADU + +Standalone ADU + +Dwelling + +Dwelling + +ADU/Garage + +Quality + +Condition + +Q4 + +C4 + +Q4 + +C4 + +Q4 + +C4 + +Q3 + +C3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Q4 + +C4 + +Q4 + +C3 $(50,000) + +Q4 + +C4 + +Q2 $(100,000) + +C2 $(120,000) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Water Features diff --git a/chunks/txt/51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51.txt b/chunks/txt/51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51.txt new file mode 100644 index 0000000000000000000000000000000000000000..660757d14aaf3a9133499ca7ea68bc3482cedd82 --- /dev/null +++ b/chunks/txt/51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51.txt @@ -0,0 +1,41 @@ +13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +13. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name] provided +significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to perform +the assistance. + +14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +TXC-NP + +15. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. + +TXC-NPI-B + +Description of Prior Services: + +H2 + +Additional Appraiser Certifications + +TXC-I + +TXC-NP + +Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +1. + +H1 + +Supervisory Appraiser Certifications + +TXC + +The Supervisory Appraiser certifies and agrees that: diff --git a/chunks/txt/513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8.txt b/chunks/txt/513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..00e5f9d79012b6c45129d5e293daeaabafa5f143 --- /dev/null +++ b/chunks/txt/513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8.txt @@ -0,0 +1,12 @@ +- the [National Mortgage Database](#NMDB) (NMDB), +- the quarterly [National Survey of Mortgage Originations](#NSMO) (NSMO),[[2]](#_ftn2) +- the annual [American Survey of Mortgage Borrowers](#ASMB) (ASMB).[[3]](#_ftn3) +### Purpose + +The NMDB program enables FHFA to meet 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, to conduct a monthly mortgage market survey. Specifically, FHFA must, through a survey of the mortgage market, collect data on the characteristics of individual mortgages, including those eligible for purchase by Fannie Mae and Freddie Mac and those that are not, and including subprime and nontraditional mortgages. In addition, FHFA must collect information on the creditworthiness of borrowers, including a determination of whether subprime and nontraditional borrowers would have qualified for prime lending. [[4]](#_ftn4) + +For CFPB, the NMDB program supports policymaking and research efforts and helps identify and understand emerging mortgage and housing market trends. CFPB uses the NMDB, among other purposes, in support of the market monitoring called for by the Dodd-Frank Wall Street Reform and Consumer Protection Act, including understanding how mortgage debt affects consumers and for retrospective rule review required by the statute. + +### Safeguards + +No information on borrower names, addresses, Social Security numbers, or dates of birth is ever used or stored by FHFA or CFPB as part of the NMDB program. Furthermore, safeguards are in place to ensure that information in the database is not used to identify individual borrowers or lenders and is handled in full accordance with federal privacy laws and the Fair Credit Reporting Act (FCRA). diff --git a/chunks/txt/5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f.txt b/chunks/txt/5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f.txt new file mode 100644 index 0000000000000000000000000000000000000000..1941790d0f78768dd97166a742ddd92e3f6930e5 --- /dev/null +++ b/chunks/txt/5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f.txt @@ -0,0 +1,27 @@ +### UAD 3.6 Lender Preparedness Webinar + +The GSEs recently discussed how lenders can prepare for the UAD 3.6 and Forms Redesign. Watch the video. + +> *[Iframe content not accessible: https://www.youtube.com/embed/xj4ae7-MArg?si=MGMo-lV__0iH9qNX]* + +## Additional Resources + +- [UAD Inspection and Reporting Tips](/docs/pdf/uad-inspection-and-reporting-tips.pdf) +- [UAD 3.6 Combined Sample Scenarios](/docs/pdf/uad-sample-scenarios-combined.pdf) +- [UAD 3.6 Condition and Quality Ratings Definitions](/docs/pdf/uad-condition-quality-ratings-definitions.pdf) +- [Limited Production Readiness Overview for Lenders](/docs/pdf/uad-lpp-readiness-overview-for-lenders.pdf) +- [Limited Production Lender Readiness Questionnaire](https://sf.freddiemac.com/docs/pdf/uad-lpp-lender-readiness-questionnaire.pdf) +- [UAD and Forms Redesign Timeline](/docs/pdf/fact-sheet/uad-redesign-timeline.pdf) +- [UAD Lender Readiness Kit](https://sf.freddiemac.com/docs/pdf/uad-lender-readiness-kit.pdf) +- [Functioning without Form Numbers: Mapping Legacy Forms to Redesigned Uniform Appraisal Report (URAR) Property Type Characteristics](https://sf.freddiemac.com/docs/pdf/functioning-without-form-numbers-mapping-legacy-forms-to-URAR.pdf) +- [UAD and Forms Redesign Partner Playbook](/docs/pdf/requirements/uad_partner_playbook.pdf) +- [UAD 2.6 FAQ](/faqs/uad-faq) +- [UAD 3.6 FAQ](/faqs/uad-and-forms-redesign) +- [UAD and Forms Redesign Summary Report](/docs/pdf/fact-sheet/uad-and-forms-redesign-summary-report.pdf) +- [Industry Stakeholder Input Phase 1 Executive Summary](/docs/pdf/other/uadexecutivesummary_fre_20181217.pdf) +- [UAD Redesign Snapshot](/docs/pdf/other/uad-redesign-snapshot.pdf) +- [UMDP Disclaimer and Limitation on Liability](/tools-learning/uniform-mortgage-data-program/umdp-disclaimer-and-limitation-on-liability) +- [Learn more about UAD and UCDP training resources](https://learn.sf.freddiemac.com/ces) +- [UAD 2.6 Overview](/docs/pdf/fact-sheet/uniform_appraisal_dataset_879.pdf) +- [Uniform Collateral Data Portal Page](/tools-learning/uniform-mortgage-data-program/ucdp) +- [Uniform Mortgage Data Program Page](/tools-learning/uniform-mortgage-data-program/overview) diff --git a/chunks/txt/51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7.txt b/chunks/txt/51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff291d1cb3055115a560bba054e957e95c07046f --- /dev/null +++ b/chunks/txt/51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7.txt @@ -0,0 +1,343 @@ +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 35 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +74 + +75 + +76 + +77 + +78 + +79 + +80 + +81 + +82 + +83 + +84 + +85 + +86 + +87 + +88 + +89 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +69 + +NEIGHBORHOOD + +70 + +NEIGHBORHOOD + +71 + +NEIGHBORHOOD + +72 + +NEIGHBORHOOD + +73 + +NEIGHBORHOOD + +74 + +NEIGHBORHOOD + +75 + +NEIGHBORHOOD + +Marketing Time +Over 6 mths + +One-Unit Housing +Price $ (000) +Low +One-Unit Housing +Price $ (000) +High +One-Unit Housing +Price $ (000) +Pred. +One-Unit Housing +Age (yrs) +Low +One-Unit Housing +Age (yrs) +High +One-Unit Housing +Age (yrs) +Pred. + +76 + +NEIGHBORHOOD + +Present Land Use % +One-Unit + +77 + +NEIGHBORHOOD + +Present Land Use % +2-4 Unit + +78 + +NEIGHBORHOOD + +Present Land Use % +Multi-Family + +79 + +NEIGHBORHOOD + +Present Land Use % +Commercial + +81 + +NEIGHBORHOOD + +Present Land Use % +Other + +82 + +NEIGHBORHOOD + +Neighborhood +Boundaries + +83 + +84 + +85 + +NEIGHBORHOOD + +Neighborhood +Description + +NEIGHBORHOOD Market Conditions + +SITE + +Dimensions + +Neighborhood +Typical Marketing +Time Duration Type +Neighborhood +Housing Low Price +Amount +Neighborhood +Housing High Price +Amount +Neighborhood +Housing Predominant +Price Amount +Neighborhood +Housing Newest +Years Count +Neighborhood +Housing Oldest +Years Count +Neighborhood +Housing Predominant +Age Years Count diff --git a/chunks/txt/5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba.txt b/chunks/txt/5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1dd1fb8fcd41100163d721159bd3b75a90d57b4 --- /dev/null +++ b/chunks/txt/5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba.txt @@ -0,0 +1,68 @@ +Completion Report Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +06.001 Completion + +If applicable + +Free-form + +Report +Commentary + +Definition / Additional Guidance + +Commentary could include information pertinent to the Completion Report +that is not captured in the discrete data, or additional details to support the +discrete data that is provided. +• + +If there were repair items that were not completed (03.005), or new +observed items for repair, further commentary may be provided here. +Describe resolution of new observed items for repair, including +completion comments and date. +If construction is not complete (05.001), provide details and describe the +items (Completion Status Example 2). +If original plans and specs were not met (05.002), comment on the +impact(Completion Status Example 3). + +• + +• + +• + +Note: The appraiser should avoid commenting on the impact to value, so that +they do not inadvertently communicate a value opinion outside of an appraisal +report. + +Appendix F-3: Completion Report Reference Guide + +Page 20 of 33 + +Version 1.3 + +Uniform Appraisal Dataset + +07 Completion Report Exhibits + +07 Completion Report Exhibits + +With the exception of the following, all photos and images display in Completion Report Exhibits. +• A photo displays at the top of the Subject Property section. +• + +Legal Description image, if applicable, displays in the Legal Description subsection of the Subject Property +section (01.003). + +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for specific guidance. diff --git a/chunks/txt/5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca.txt b/chunks/txt/5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca.txt new file mode 100644 index 0000000000000000000000000000000000000000..a46487dce525c3d8dc98f62b860c53102cc2c6d3 --- /dev/null +++ b/chunks/txt/5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca.txt @@ -0,0 +1,106 @@ +Project Analysis +Ground Rent +Indicator + +Project Analysis +Ground Rent +Indicator +Project Analysis +Ground Rent +Amount +Project Analysis +Ground Rent +Description + +Indicates that the project is subject to +ground rents. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_GroundRentIndicator='Y'] + +Indicates that the project is subject to +ground rents. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_GroundRentIndicator='N'] + +Identifies the annual ground rent amount +for the project unit. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@ +_GroundRentAmount + +A free-form text field describing the +ground rent. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@ +_GroundRentDescription + +PROJECT +INFORMATION + +Are the parking facilities adequate for +the project size and type? +Yes + +Adequate Indicator + +Indicates that this feature is adequate for +normal needs. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE[@AdequateIndicator='Y'] + +PROJECT +INFORMATION + +Are the parking facilities adequate for +the project size and type? +No + +Adequate Indicator + +Indicates that this feature is adequate for +normal needs. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE[@AdequateIndicator='N'] + +1 + +4000 + +1 + +1 + +12 + +4000 + +1 + +1 + +Format + +Boolean + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PDF Display Format: +Whole numbers only. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Boolean + +Boolean + +Money + +String diff --git a/chunks/txt/515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7.txt b/chunks/txt/515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..06b7183f89b12212ef575d3b7ce6c7f0c4431888 --- /dev/null +++ b/chunks/txt/515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7.txt @@ -0,0 +1,87 @@ +25 + +String + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of gas service, if present and not public. If no gas +service is present, enter 'None' in the description field. + +108 + +PROJECT SITE + +109 + +PROJECT SITE + +Utilities +Water +Public + +Utilities +Water +Other + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water +']/@_PublicIndicator + +Site Utility Non +Public Indicator + +Indicates whether the utility specified by +Site Utility Type is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water +']/@_NonPublicIndicator + +1 + +1 + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +Boolean + +If no water service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +Boolean + +If no water service is present, enter 'None' in the description field. + +110 + +PROJECT SITE + +Utilities +Water +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water +']/@_NonPublicDescription + +25 + +String + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the water source, if not public. If no water service is present, +enter 'None' in the description field. diff --git a/chunks/txt/515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e.txt b/chunks/txt/515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a65abd74507aff45255d6bcca85c770b9f3c9132 --- /dev/null +++ b/chunks/txt/515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e.txt @@ -0,0 +1,100 @@ +ROF as “Seller Credit” + +12.5 N/A + +12.5 + +Seller Credit + +Appendix E: UCD Implementation Guide + +Page 176 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute MISMO v3.3.0 Value + +Notes + +Table 119. Seller Credit + +12.5 + +Seller Credit + +12.5 N/A + +12. 6 OTHER CREDI TS + +@gse:DisplayLabelTe +xt + +Seller Credit + +IntegratedDisclosure +SectionType + +PaidAlreadyByOrOnB +ehalfOfBorrowerAtCl +osing + +Not Shown + +Under the heading Other Credits (12.6), the lender must disclose the description, amount, and payer of items +paid by or on behalf of the borrower. Examples include transferred escrow balances, gift funds, and rebates. +These lines have been paid by someone other than the seller or creditor and not disclosed elsewhere in section +L. If the credit is attributable to a specific cost listed in the Loan Costs or Other Costs tables, that amount should +be reflected in the applicable table’s Paid by Others column. Only one type of Other Credit is shown in the +illustration. If more are required by the business use case, CLOSING _ADJUSTMENT_ITEM is repeated. + +Summaries of Transactions +BORROWER’S TRANSACTION (11.0 – 13.0) + +12.0 L. Paid Already by or on Behalf of Borrower at Closing +0412.4 + +0512.5 Seller Credit + +12.6 Other Credits + +06 Rebate from Epsilon Title Co. +07 + +12.0.1 +12.4.1 + +12.5.1 + +12.6.1 + +$227,015.00 + +$2,500.00 + +$750.00 + +Figure 104. Other Credits + +Table 120. Other Credits + +ID + +Form Field Name MISMO v3.3.0 Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value diff --git a/chunks/txt/515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab.txt b/chunks/txt/515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff972701557b07fab8e26d977007177ebcfe695c --- /dev/null +++ b/chunks/txt/515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab.txt @@ -0,0 +1,15 @@ +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +36 + +Data PointsContainersLegend:PARTYROLESROLEPartyRoleTypeROLE_DETAILBORROWER_DETAILBorrowerBirthDateMaritalStatusTypeDependentCountBORROWERDEPENDENTSDEPENDENTDependentAgeYearsCountRESIDENCESADDRESSRESIDENCEAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeTAXPAYER_IDENTIFIERSTAXPAYER_IDENTIFIERTaxpayerIdentifierTypeTaxpayerIdentifierValueLANDLORDRESIDENCE_DETAILLANDLORD_DETAILMonthlyRentAmountBorrowerResidencyDurationMonthsCountBorrowerResidencyBasisTypeBorrowerResidencyType1a. Personal InformationDECLARATIONDECLARATION_DETAILCitizenshipResidencyTypeContinued + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +37 + +BORROWERData PointsContainersLegend:1b. Current Employment/Self-Employment and IncomeCURRENT_INCOMECURRENT_INCOME_ITEMSCURRENT_INCOME_ITEMCURRENT_INCOME_ITEM_DETAILIncomeTypeCurrentIncomeMonthlyTotalAmountEmploymentIncomeIndicatorEMPLOYERSEMPLOYERADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeEMPLOYMENTEmploymentStatusTypeEmploymentClassificationTypeEmploymentPositionDescriptionEmploymentStartDateEmploymentTimeInLineOfWorkMonthsCountSpecialBorrowerEmployerRelationshipIndicatorEmploymentBorrowerSelfEmployedIndicatorOwnershipInterestTypeEmploymentMonthlyIncomeAmountLEGAL_ENTITYLEGAL_ENTITY_DETAILFullNameCONTACTSCONTACTCONTACT_POINTSCONTACT_POINTCONTACT_POINT_TELEPHONEContactPointTelephoneValueIncome ContainersEmployment ContainersGOVERNMENT_BORROWERVAFederalTaxAmountVAStateTaxAmountVALocalTaxAmountVASocialSecurityTaxAmountVAPrimaryBorrowerNontaxableIncomeamountVACoBorrowerNontaxableIncomeAmountVACoBorrowerTaxableIncomeAmountVAPrimaryBorrowerTaxableIncomeAmountINDIVIDUALNAMEFullNameCONTACT_POINTSCONTACT_POINTCONTACT_POINT_TELEPHONEContactPointTelephoneValueDEALPARTYLOANLOANSEXTENSIONOTHERDU:LOAN_EXTENSIONDU:UNDERWRITING_VERIFICATIONSDU:UNDERWRITING_VERIFICATIONPARTIESROLESROLEDU:VerificationReportSupplierTypeDU:VerificationReportIdentifierDU:VerificationReportTypeDU:ForeignIncomeIndicatorDU:SeasonalIncomeIndicatorEXTENSIONOTHERDU:EMPLOYMENT_EXTENSION diff --git a/chunks/txt/5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9.txt b/chunks/txt/5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9.txt new file mode 100644 index 0000000000000000000000000000000000000000..39bf3dd5264c3c559d0fdbf2919d022a3d1f4e03 --- /dev/null +++ b/chunks/txt/5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9.txt @@ -0,0 +1,125 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ma +nagementAgent'] + +175, 176 + +PROJECT +INFORMATION + +Management Group +Homeowners' Association and +Developer + +Project +Management Type +Other Description + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth +er' and +@_ManagementTypeOtherDescription='HomeownersAssociationAndDeveloper'] + +175, 177 + +PROJECT +INFORMATION + +Management Group +Homeowners' Association and +Management Agent + +Project +Management Type +Other Description + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth +er' and +@_ManagementTypeOtherDescription='HomeownersAssociationAndManagemen +tAgent'] + +6 + +6 + +6 + +17 + +17 + +17 + +1 + +1 + +51 + +51 + +51 + +51 + +51 + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Enumerated + +Enumerated + +Enumerated + +Boolean + +UAD Requirement - Refer to Appendix D Project Information Section + +Boolean + +UAD Requirement - Refer to Appendix D Project Information Section + +Enumerated + +This field should be indicated only if HOA is checked. + +Enumerated + +This field should be indicated only if Developer is checked. + +Enumerated + +This field should be indicated only if Management Agent is checked. + +Enumerated + +This field should be indicated if HOA and Developer are checked. + +Enumerated + +This field should be indicated if HOA and Management Agent are checked. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. diff --git a/chunks/txt/516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22.txt b/chunks/txt/516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22.txt new file mode 100644 index 0000000000000000000000000000000000000000..df5e72cca26824ac444374bb0d4a7fe72a494073 --- /dev/null +++ b/chunks/txt/516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22.txt @@ -0,0 +1,84 @@ +No + +If needed to support the condition rating, additional rows may be +included for any features not predefined that were added to the Interior +Features table in the Unit Interior section for the ADU. + +Example: Other Interior Feature Example in Unit Interior and Sales +Comparison Approach + +Other Interior Feature Condition Summary: A short description +summarizing the condition of the additional feature. + +Notes: +• + +• + +If the feature does not exist for the comparable ADU, enter +“None”. +If the comparable ADU has an interior feature that the subject +does not have, report as an Additional Row in the Unit(s) +subsection for the ADU (22.07.15) and not here. + +Overall Quality and Condition + +This subsection represents the reconciliation of all the interior and exterior quality and condition information included in the sales comparison grid. +Any adjustment is an aggregated conclusion. Reference Appendix 2: Condition and Quality Rating Definitions for definitions. + +Report +Field ID + +22.11.01 +22.11.03 + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Overall Quality and Condition + +Quality + +Always + +Always required + +Q1 to Q6 + +Overall Quality and +Condition +• + +Overall Quality +Rating 15.000 + +Yes +22.11.04 + +Overall Quality Rating: The overall quality rating of all dwellings on the +property. + +Any Quality adjustments made in this row include interior and exterior +quality. + +Appendix F-1: URAR Reference Guide + +Page 262 of 375 + +Version 1.3 diff --git a/chunks/txt/5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d.txt b/chunks/txt/5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e040ddbde7e1865aa9f6fdd99df384fa5470701 --- /dev/null +++ b/chunks/txt/5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d.txt @@ -0,0 +1,67 @@ +Enterprise +Public Use Database +Data Dictionary + +Data Release of 2024 Acquisitions + +Updated: September 29, 2025 + +Federal Housing +Finance Agency + +Tab Name +SF NFA + +SF NFB + +SF NFC + +Title +Single-Family +Properties + +Single-Family +Properties + +Single-Family +High-Cost +Securitized +Mortgages + +Enterprise Public Use Database +Data Dictionary + +Data Release of +2024 Acquisitions + +Subtitle +National File A + +Description +The “National File A” contains mortgage-level data on owner-occupied 1-unit properties. + +National File B + +National File C + +The “National File B” contains unit-level data on all single-family (1-4 unit) properties, including renter- +occupied 1-unit properties. + +The “National File C” contains mortgage-level data on all high-cost 1st lien mortgages purchased and +securitized by the Enterprises during the calendar year. +A Portfolio Flag is provided to indicate whether a security backed by the high-cost mortgage is held on the +Enterprise’s portfolio at year-end. A “high-cost mortgage” is defined as any mortgage with a rate spread +reported in accordance with applicable HMDA reporting requirements. See 76 Fed. Reg. 60031 (Sept. 28, +2011), https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf. + +SF CTF + +Single-Family +Properties + +Census Tract File + +The “Census Tract File” contains mortgage-level data on all single-family (1-4 unit) properties. +Beginning with the 2018 release, additional fields 40-57 are sourced from FHFA and based on available +Enterprise data unless otherwise indicated, as described in 85 Fed. Reg. 34196 (June 3, 2020), see +https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf. diff --git a/chunks/txt/518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a.txt b/chunks/txt/518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ebc08e94744c9407e7bbab878f5990ee533f262 --- /dev/null +++ b/chunks/txt/518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a.txt @@ -0,0 +1,42 @@ +• + +If one or more functional issues are indicated, comments are required. + +Functional Obsolescence Exhibits + +The Functional Obsolescence Exhibits subsection displays when images are included. + +• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 11.002.1) = + +“FunctionalObsolescenceExhibits”. + +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 11.002.2). + + + +Descriptive caption for exhibit. +FunctionalObsolescenceExhibit +zip://location/FunctionalObsolescenceExhibit.jpg +image/jpeg + + + +Appendix B-1: URAR Implementation Guide v1.3 + +12 Outbuilding + +Page 202 + +The Outbuilding section provides information about additional structures on the site, other than the main residence(s). Examples include +standalone ADUs, barns, and pool houses. Outbuilding characteristics determine the amount of additional information reported. + +This section provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 203 + +The Outbuilding section displays when ImprovementType (UID: 0300.0009, FID: Not on report) = “Outbuilding”. The subsection repeats for +each outbuilding. The information that displays in the Outbuilding section varies depending on whether the outbuilding is real property and +whether it contains an ADU. When an outbuilding is not considered real property, an abbreviated version of the outbuilding section displays. +(Figure 12 - 3) diff --git a/chunks/txt/51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673.txt b/chunks/txt/51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673.txt new file mode 100644 index 0000000000000000000000000000000000000000..51c7f9c58b41c0a05b01aa0b2188b0624a4708ca --- /dev/null +++ b/chunks/txt/51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673.txt @@ -0,0 +1,95 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@_HeatingCoolingMet +eredSeparatelyIndicator='Y'] + +UNIT +IMPROVEMENTS + +Are the heating and cooling for the +individual units separately metered? +No + +Structure Heating +Cooling Metered +Separately Indicator + +Indicates that individual units are capable +of measuring and billing their heating and +cooling utility use separately. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@_HeatingCoolingMet +eredSeparatelyIndicator='N'] + +288 + +289 + +290 + +2 + +2 + +2 + +86 + +87 + +88 + +UNIT +IMPROVEMENTS + +Are the heating and cooling for the +individual units separately metered? +If No, describe and comment on +compatibility to other projects in the +market area. + +Structure Heating +Cooling Metered +Separately +Description + +A free-form text field used to detail how +the Heating and Cooling utility use is +metered separately per unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@_HeatingCoolingMet +eredSeparatelyDescription + +4000 + +String + +This field should contain a description of comparability to other projects in the market +area. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +One and only one of fields 2-86, 2-87 +(values of Structure Heating Cooling +Metered Separately Indicator) should be +indicated. + +One and only one of fields 2-86, 2-87 +(values of Structure Heating Cooling +Metered Separately Indicator) should be +indicated + +If field 2-87 (Structure Heating Cooling +Metered Separately Indicator = 'N') is +indicated, this field should be populated. + +291 + +2 + +89 + +UNIT +IMPROVEMENTS + +Additional features (special energy +efficient items, etc.) diff --git a/chunks/txt/5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13.txt b/chunks/txt/5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c37952e2765e437ee972d074c634cf2651ae532 --- /dev/null +++ b/chunks/txt/5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13.txt @@ -0,0 +1,89 @@ +SOME PICAS TO INCHES CONVERSIONS + +Terminology Used in Style Guide + +1. + +In this guide, rule refers to all lines in the report. For example, the “line” above these sentences is a 1-½ +point rule. Offset refers to the space between the base of text and the rule below it. For example, the rule +above these sentences is offset 4 points from the heading above it. + +RULE AND OFFSET + +2. Vertical spacing between lines of text, sometimes called line spacing, is measured from the base of one +line of text to the base of the next line of text. The size of the text is separated from the vertical spacing +measurement by a slash “/”. For example, 9/13 means 9 point text with 13 points of vertical spacing. + +VERTICAL SPACING + +Appendix E: Report Style Guide + +Page 13 of 90 + +Version 1.4 + +3. + +Initial Caps refers to text set with each word capitalized, unless it is an article, conjunction, or preposition. + +INITIAL CAPS EXAMPLES + +4. Codes refer to the design elements or styles described throughout this document. These define how each + +element is displayed. The following table is a summary of these codes: + +Code +HDR (HDR-L, HDR-R) +FTR (FTR-L, FTR-R) +TITLE +TITLE-ADD +SUM-HD +TAB +TAB-C +H1 +H1-TX +H2 +H2-1 +TX-B +TXR-B +TXR +TXR-I +TXR-II +TX-BI +TAB-TX +H1-TX +TXC +TXC-B +TXC-B1 +TXC-I +TXC-I1 +TXC-NP + +Codes Used in Style Guide + +Description +Header (Left and Right) +Footer (Left and Right) +Report Title +Subject Address for Report Title +Summary Section Title +Section Title (Black Tab) +Section Title (Black Tab) continued to another page +Subsection Title (Gray Bar) +Italic text that follows H1 (Gray Bar) +Subheading (Black Rule) +Subheading (Black Rule, one column) +Subheading Bold +Text with Rule - Bold +Text with Rule +Text with Rule Indented +Text with Rule Double Indented +Text Bold Italic +Italic Text above Tab Rule +Italic Text in H1 (Gray Bar) +Commentary Text +Commentary Text with Bold Intro +Commentary Text, one column with Bold Intro +Commentary Text Italic +Commentary Text Italic, one column +Commentary Text Numbered Paragraph diff --git a/chunks/txt/519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51.txt b/chunks/txt/519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51.txt new file mode 100644 index 0000000000000000000000000000000000000000..78fbe906c6f7d8af46487a132b77a45b0e5153ee --- /dev/null +++ b/chunks/txt/519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51.txt @@ -0,0 +1,38 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBasementExitType + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeRecreationRoomCount +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeBedroomRoomCount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeBathroomRoomCount diff --git a/chunks/txt/5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091.txt b/chunks/txt/5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091.txt new file mode 100644 index 0000000000000000000000000000000000000000..4018215656efdd2d0df8aafe24a0c372193a7d37 --- /dev/null +++ b/chunks/txt/5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091.txt @@ -0,0 +1,24 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 18 of 19 +Page 18 of 19 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: diff --git a/chunks/txt/519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889.txt b/chunks/txt/519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889.txt new file mode 100644 index 0000000000000000000000000000000000000000..66770ef1162c1b9c1db5b9dd73dcb91b5983bfed --- /dev/null +++ b/chunks/txt/519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889.txt @@ -0,0 +1,10 @@ +## Footer menu + +- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + +© 2026 Fannie Mae diff --git a/chunks/txt/51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7.txt b/chunks/txt/51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..8d158deb5230eb6651f03077629a204664853ea8 --- /dev/null +++ b/chunks/txt/51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7.txt @@ -0,0 +1,87 @@ +16 Highest and Best Use + +Highest and Best Use Commentary + +Highest and Best Use Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +16.005 Highest and Best + +Use +Commentary + +Required if any answer +in this section is No, or +if relevant. + +Free-form + +• When an answer is No, describe the evidence and support for the reasons + +• + +why. +Additional commentary may be provided to include details and other +information relevant to this section. + +Highest and Best Use Exhibits + +All photos or images related to the Highest and Best Use section are displayed in the Highest and Best Use +Exhibits subsection. If there are no photos or images, this subsection does not display. + +Highest and Best Use Exhibits + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +See +iGuide + +Highest and Best +Use Exhibits + +If applicable + +Photos or images + +Definition / Additional Guidance + +Photos or images relevant to the Highest and Best Use section may be +provided, which display in Highest and Best Use Exhibits. Provide a caption to +identify each photo or image. + +Appendix F-1: URAR Reference Guide + +Page 176 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +17 Market + +17 Market + +The Market section always displays and provides information about the current metrics of a market area, +determined by the appraiser. This section focuses on defining the market area, the geographic area, the +associated sales and listing activities that directly compete with the subject, and the trends determined by that +information. The Market section provides space for additional commentary and graphs or other exhibits to +support the market analysis. diff --git a/chunks/txt/51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e.txt b/chunks/txt/51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0f5c05ec4501a768bb6b6c2aac0c978b91445da --- /dev/null +++ b/chunks/txt/51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/ombudsman" +date_accessed: "2026-01-27T17:47:56.871Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef.txt b/chunks/txt/51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef.txt new file mode 100644 index 0000000000000000000000000000000000000000..9058bd76b1c577d7ad47a5a2145c933e0779b607 --- /dev/null +++ b/chunks/txt/51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef.txt @@ -0,0 +1,82 @@ +Whereas, in 2015, the Consumer +Financial Protection Bureau (CFPB) +added new definitions for HMDA data +elements in amendments to Regulation +C (12 CFR part 1003), which took effect +on January 1, 2018 for mortgages +originated in 2018 and thereafter; + +Whereas, as a result of the Regulation +C amendments, any new data elements +collected by the Enterprises that +conform to the new HMDA definitions +in Regulation C must be added to the +PUDB; + +Whereas, FHFA identified the data +elements collected by the Enterprises in +2018 that conform to the new HMDA +definitions in Regulation C that are of +appropriate data quality for public +disclosure; + +Whereas, section 304(j)(2)(B) of + +HMDA (12 U.S.C. 2803(j)(2)(B)) +provides that the CFPB shall protect any +privacy interest of borrowers in the +release of HMDA data elements, and the +CFPB has issued privacy guidance to +implement the HMDA statutory privacy +requirements (84 FR 649 (Jan. 31, +2019)); + +Whereas, pursuant to the requirement + +under the Safety and Soundness Act to +consider the HMDA privacy +requirements for HMDA data elements +published in the PUDB, FHFA is +following the CFPB privacy guidance for +all of the HMDA data elements in the +PUDB, with one minor change to the +manner of disclosure of multifamily +Total Units; + +Whereas, pursuant to the Safety and +Soundness Act (12 U.S.C. 4543(a)(1)), +the Director shall make the required +data elements public in forms useful to +the public, and has determined that + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00048 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o diff --git a/chunks/txt/51b7bd72444419d6700b0c3141c6b7b4cc54258a81d2ed66bc5c72a6bfe844e3.txt b/chunks/txt/51b7bd72444419d6700b0c3141c6b7b4cc54258a81d2ed66bc5c72a6bfe844e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..50e8bb22675fcbaf8d1968d4a8fd3cea22bb24ac --- /dev/null +++ b/chunks/txt/51b7bd72444419d6700b0c3141c6b7b4cc54258a81d2ed66bc5c72a6bfe844e3.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/13486","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/fhfa-ai-compliance-plan":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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Due from Borrower at Closing + +Table 112. Adjustments for Items Paid by Seller in Advance + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +11.9 + +N/A – XML + +…/PRORATION_ITEM + +11.9 + +N/A - XML + +11.9.1 HOA Dues + +11.9 + +11.9 + +HOA Dues +DD/MM/YYYY to +DD/MM/YYYY + +HOA Dues +DD/MM/YYYY to +DD/MM/YYYY + +11.9 + +HOA Dues + +IntegratedDisclosur +eSectionType + +DueFromBorrowerAt +Closing + +IntegratedDisclosur +eSubsectionType + +AdjustmentsForItems +PaidBySellerInAdvanc +e + +ProrationItemAmo +unt + +30.00 + +ROF as “30.00” + +ProrationItemPaidF +romDate + +ProrationItemPaidT +hroughDate + +2018-04-15 + +ROF as “4/15/2018” + +2018-04-30 + +ROF as “4/30/2018” + +ProrationItemType HomeownersAssociat + +ROF as “HOA Dues” + +ionDues + +HOA Dues + +@gse:DisplayLabel +Text + +A. FOR MORE I NFORMATI ON + +11.0 | 11.0.1 Reg §1026.38(j)(1)(i), pp. 80125, 80357, 80021. + +11.1 Reg §1026.38(j)(1)(ii), pp. 80125, 80357, 80021. + +11.2 Reg §1026.38(j)(1)(iii), pp. 80125, 80357, 80021. diff --git a/chunks/txt/51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc.txt b/chunks/txt/51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec5c58433911aff1df1156a875a9659f9d3fa31d --- /dev/null +++ b/chunks/txt/51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc.txt @@ -0,0 +1,11 @@ +- Rural areas +- Indian tribe areas +- High opportunity areas +- Areas of Concentrated Poverty +The Duty to Serve regulation has specific definitions for each of the high needs and high opportunity areas identified in the regulation. This page identifies the specific geographies which qualify for Duty to Serve credit, for each particular definition. For information on Duty to Serve loan performance and acquisitions, view the [Duty to Serve Performance Data web page](/data/duty-to-serve/performance-data). + +## Rural Areas + +FHFA's current Duty to Serve regulation defines "rural area" as: (1) a census tract outside of a metropolitan statistical area, as designated by the Office of Management and Budget; or (2) a census tract in a metropolitan statistical area, as designated by the Office of Management and Budget, that is outside of the metropolitan statistical area's Urbanized Areas as designated by the U.S. Department o​f Agriculture's [**Rural-Urban Commuting Area Code #1**](http://www.ers.usda.gov/data-products/rural-urban-commuting-area-codes.aspx), and outside of tracts with a housing density of over 64 housing units per square mile for USDA's RUCA Code #2. Effective July 1, 2023, [amendments to the Duty to Serve regulation](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition. Below is a link to the specific geographies which meet the amended Rural Areas definition. + +## Indian Tribe Areas diff --git a/chunks/txt/51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2.txt b/chunks/txt/51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..11944c811e850979b0a94bc2929d2aa70177807c --- /dev/null +++ b/chunks/txt/51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2.txt @@ -0,0 +1,103 @@ +Version 1.3 + +Uniform Appraisal Dataset + +09 Certifications and Intended Use / User + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Intended Users + +09.005 The VA … + +Not on +Report + +This is an +appraiser input +that does not +display + +N/A + +09.006 +09.007 + +Predefined text that +displays when +Government Agency +Type (08.004) is VA + +Always required + +Yes | No + +Additional Intended Users +Indicates whether there are additional intended users beyond the predefined +text. + +Displays when +Additional Intended +Users is Yes + +Free-form + +Additional Intended Users Text +Note: Additional Intended User(s) cannot be contrary to, and should not +repeat, the predefined intended user text. + +Appraiser Certifications + +The Appraiser Certifications subsection always displays. + +Cert 6 (Personal Onsite Inspection by Appraiser) + +The appraiser must indicate whether they performed a personal onsite inspection of the subject property, which +determines which of two predefined versions of Cert 6 displays. + +If the appraiser did not go to the property, they must describe how the conditions or requirements in the +original report have been satisfied. Example: + +Appraiser Certifications: Cert 6 (Personal Onsite Inspection by Appraiser) + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +09.014 N/A + +Always required + +Yes | No + +Definition / Additional Guidance + +Personal Onsite Inspection Performed +• +• + +Yes (the appraiser inspected the subject property from at least the street) +No (the appraiser did not go to the property) + +09.014 + +I certify that I +did perform a +personal onsite +inspection … diff --git a/chunks/txt/51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655.txt b/chunks/txt/51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655.txt new file mode 100644 index 0000000000000000000000000000000000000000..56790bc242e37a2f5f719349733897a06509a050 --- /dev/null +++ b/chunks/txt/51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655.txt @@ -0,0 +1,91 @@ +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit C) + +None + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 10 of 26 + +Unit Interior - Building 1 - Unit C (continued) + +Unit Interior Exhibits + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +This is where the Unit C Bath 1 photo would display. + +This is where the Unit C Bath 2 photo would display. + +Level 1 - Bedroom - Bedroom 1 + +Level 1 - Bedroom - Bedroom 2 + +This is where the Unit C Bedroom 1 photo would display. + +This is where the Unit C Bedroom 2 photo would display. + +Level 1 - Dining Room + +Level 1 - Kitchen + +This is where the Unit C Dining Room photo would display. + +This is where the Unit C Kitchen photo would display. + +Level 1 - Living Room + +This is where the Unit C Living Room photo would display. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 11 of 26 +Page 11 of 26 + +Unit Interior - Building 1 - Unit D + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +Level and Room Detail diff --git a/chunks/txt/51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6.txt b/chunks/txt/51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0d262ff7d3033d79e205cf8b0e1e419c18359f7 --- /dev/null +++ b/chunks/txt/51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6.txt @@ -0,0 +1,58 @@ +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment Type +Other Description + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to capture +additional information when Other is +selected for Sale Price Adjustment Type. +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to capture +additional information when Other is +selected for Sale Price Adjustment Type. +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P +RICE_ADJUSTMENT[@_Type='PorchDeck']/@_Description + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P +RICE_ADJUSTMENT[@_Type='Other'][1]/@_TypeOtherDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P +RICE_ADJUSTMENT[@_Type='Other'][1]/@_Description diff --git a/chunks/txt/51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60.txt b/chunks/txt/51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae2cdde6561daabdea698d480ecda0a5c91d88c9 --- /dev/null +++ b/chunks/txt/51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60.txt @@ -0,0 +1,34 @@ +##### ULDD + +- [Uniform Loan Delivery Dataset (ULDD)](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset)- Common requirements for loan delivery data + +### Related Applications + +- [Collateral Underwriter](/applications-technology/collateral-underwriter)® + - [Desktop Underwriter](/applications-technology/desktop-underwriter-desktop-originator)® + - [EarlyCheck](/applications-technology/earlycheck)™ + - [Loan Delivery](/applications-technology/loan-delivery) + - [Loan Delivery Test Environment](/applications-technology/loan-delivery-test-environment) + - [Uniform Collateral Data Portal (UCDP)](/learning-center/applications/uniform-collateral-data-portal-learning-center) + - [Uniform Closing Dataset (UCD) Collection Solution](/applications-technology/uniform-closing-dataset-collection-solution) + +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); } }); + +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + +### Have questions? + +Get answers to your policy and guide questions, straight from the source. + +[Get Started **](/applications-technology/ask-poli) + +###### Work with Fannie Mae + +- [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + +###### Products & Solutions + +- [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) diff --git a/chunks/txt/51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1.txt b/chunks/txt/51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a0d6efc2517c896fe1b37fd53ef88e13e839a08 --- /dev/null +++ b/chunks/txt/51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1.txt @@ -0,0 +1,91 @@ +CR + +CR + +CR + +If field 3-46 is populated, then this field +should be populated. + +T + +T + +T + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu +reDescription + +SALES +COMPARISON +APPROACH + +Extra Item Adjustment + +Property Feature +AdjustmentAmoun +t + +The dollar amount of the adjustment made +for the property feature described by +Property Feature Description. Property +Feature Name, Description and +Adjustment are used to capture +information about property features. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu +reAdjustmentAmount + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/@PropertyFeatu +reDescription + +SALES +COMPARISON +APPROACH + +Extra Item Adjustment + +Property Feature +AdjustmentAmoun +t + +The dollar amount of the adjustment made +for the property feature described by +Property Feature Description. Property +Feature Name, Description and +Adjustment are used to capture +information about property features. diff --git a/chunks/txt/51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb.txt b/chunks/txt/51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0bc9c9ee8a170cf234e54de7c46391f22610215e --- /dev/null +++ b/chunks/txt/51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb.txt @@ -0,0 +1,83 @@ +“Rating” set as TCH. + +• Columns 1 and 2: + +15 picas wide (~60 characters max per line in each cell). + +• Column 3, 4 ,5: + +5 picas wide (~20 characters max per line in each cell). + +• Content sets as TB + +BUILDING CERTIFICATIONS TABLE + +Left-hand side of page + +• Known Efficiency Ratings sets as TXR-B, TXR. + +Green/Energy Efficiency Rating Organization table + +• Column heads: “Green/Energy Efficiency Rating Organization,” “Rating,” “Score” set as TCH + +• Set 3 equal column table x 45 picas (~60 characters max per line in each cell). + +• Content sets as TB. + +GREEN/ENERGY EFFICIENCY ORGANIZATION TABLE + +Energy Efficient & Green Features Impact to Value/Marketability (H1) + +Left-hand side of page + +• + +“Impact to Value/Marketability” sets as TXR-B, TXR + +• “Description” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular text) + +Energy Efficient & Green Features Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Energy Efficient & Green Features Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Sketch” sets as TAB. + +If applicable per iGuide, display “Sketch or Floor Plan Not Available” as TXC-I. + +Appendix E: Report Style Guide + +Page 42 of 90 + +Version 1.4 + +Left-hand side of page + +• + +• + +“Measurement Standard” sets as TXR-B, TXR. + +If applicable per iGuide, full page image follows with CAP at top. + +Sketch Commentary (H1) + +Set Commentary as TXC x 45 picas. + +“Dwelling Exterior” sets as TAB. If applicable per iGuide, set “Dwelling Exterior – [Structure Identifier]” (brackets +do not set, they indicate a placeholder) + +Left-hand side of page + +• + +“Subject Property Units in Structure,” “Structure Design,” “Floors in Building,” “Dwelling +Style,” “Front Door Elevation,” “Townhouse End Unit,” “Townhouse Back to Back,” “Units +Above or Below,” “Townhouse Location,” “Year Built,” “Construction Method,” “Converted +Area,” “Converted Area and Similarity to Rest of Living Area,” “Factory Built Certification,” +“Structure Volume,” “Window Surface Area,” “Attic,” “Remaining Economic Life,” “Effective +Age” set as TXR-B, TXR diff --git a/chunks/txt/51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0.txt b/chunks/txt/51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c78697621454a85ad813eb58cf753faae79b065 --- /dev/null +++ b/chunks/txt/51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0.txt @@ -0,0 +1,60 @@ + + +Figure 6 - 6 + +Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR. + +Appendix B-1: URAR Implementation Guide v1.3 + +07 Sketch + +Page 150 + +The Sketch section contains a sketch or floorplan that represents the dwellings and outbuildings on the subject property and provides space +for additional commentary. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 151 + +The Sketch section always displays. + +The information displayed in the Sketch section is triggered by the SketchExistsIndicator (UID: 3300.0002, FID: Not on report). The question, +Sketch or Floorplan Provided, does not display. + +• + +• + +If SketchExistsIndicator (UID: 3300.0002, FID: 7.000) = “false”, “Sketch or Floor Plan Not Available” displays. (Figure 7 - 1) + +If SketchExistsIndicator (UID: 3300.0002, FID: 7.000) = “true” AND + +o + +o + +ImageCategoryType (UID: 1400.0991, FID: 7.002.1) = “SubjectPropertyImprovementSketch”, display “Sketch” with additional +caption if provided. (Figure 7 - 2) + +ImageCategoryType (UID: 1400.0991, FID: 7.002.1) = “FloorPlan”, display “Floor Plan” with additional caption if provided. +(Figure 7 - 2) + +o Field label Measurement Standard - MeasurementStandardPublisherType (UID: 3300.0007, FID: 7.001) displays when a sketch + +or floor plan is included. + +Figure 7 - 1 + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 7 - 2 + +Page 152 + +If a sketch or floorplan is provided, it displays as an image in the space provided. + +Sketch Commentary + +The Sketch Commentary subsection displays when comments are provided. Commentary must use ValuationAnalysisCategoryType (UID: +0100.0045, FID: Not on report) = “Sketch” and ValuationCommentText (UID: 0100.0044, FID: 7.003). diff --git a/chunks/txt/5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e.txt b/chunks/txt/5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ca3352ae571f5a5d31d28bf80c81e76f85573b6 --- /dev/null +++ b/chunks/txt/5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e.txt @@ -0,0 +1,64 @@ +• + +• + +3/6 ARMs: Note rate plus lifetime cap + +5/6 ARMs: Note rate plus first rate change cap + +Each GSE’s UCD collection solution can accept this data point at any time. + +Fannie Mae will implement warning-to-fatal severity edits in Q1 2023 to enforce the collection of this new data point. The +edits will transition to fatal severity on May 1, 2023. See the UCD Phase 3 Critical Edits Matrix for more information. + +© 2022 Fannie Mae + +December 2022 + +In Case You Missed It + +Effective +Date + +November 21 + +Impacted Area + +UCD Critical Edits - +Phase 3 +Implementation + +Description + +On Nov. 21, 2022, Fannie Mae implemented the following UCD Phase 3 edits updates in UCD production and the UCD +test environment: + +• + +Implemented new edits 3574, 3656, and 3657 as warning-to-fatal severity + +• Updated the logic for existing edits 3528 and 3556 + +• + +Turned off edit 3632 due to incorrect firing (the edit will be corrected and turned back on by Dec. 12) + +• Removed edit 3621 + +• Updated feedback message text for several edits to simplify and clarify messaging + +See the UCD Feedback Messages revision history tab and the Phase 3 edits tab for all updates. Please reference the UCD +Critical Edits Transition Resources page for additional resources. + +Lenders should review all feedback messages returned by the UCD Collection Solution and resolve any issues, particularly +for any Phase 3 edits showing a severity of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ +UCD report. + +November 21 + +UCD Edit Updates + +On Nov. 21, 2022, the following updates will be made to existing UCD edits: + +• Warning edits 3120 and 3121 will be removed +• Update will be made to the edit feedback message for fatal edit 3021. diff --git a/chunks/txt/521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2.txt b/chunks/txt/521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..193022ef229c85a7da2afc7d103fb02338fbafa0 --- /dev/null +++ b/chunks/txt/521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2.txt @@ -0,0 +1,37 @@ +August 18, 2023 + +## [Federal Housing Agencies Issue Reminder of Mortgage Assistance for Those Impacted by the Maui Wildfires](/news/statement/federal-housing-agencies-issue-reminder-of-mortgage-assistance-for-those-impacted-by-the-maui) + +Washington, D.C. – Today, Federal Housing Agencies - Government National Mortgage Association (Ginnie Mae), Federal Housing Administration (FHA), Federal Housing Finance Agency (FHFA), United States Department of Agriculture (USDA), and United States Department of Veterans Affairs (Veterans Affairs)... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [6](?page=5) + - [7](?page=6) + - [8](?page=7) + - [9](?page=8) + - … + - [Next](?page=1) + - [Last](?page=11) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09.txt b/chunks/txt/521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09.txt new file mode 100644 index 0000000000000000000000000000000000000000..06892077bc5028ec298a886a3e70ce85750add66 --- /dev/null +++ b/chunks/txt/521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09.txt @@ -0,0 +1,152 @@ +1 + +Boolean + +153 + +1 + +146 + +IMPROVEMENTS Year Built + +Property Structure +Built Year + +The year in which the dwelling on the +property was completed. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@PropertyStructu +reBuiltYear + +4 + +Date/Time + +UAD Instruction - Refer to Appendix D Improvements Section +This field should indicate the architectural design of the property. Do not use +descriptors such as brick, two stories, average, conventional, or typical. +UAD Requirement - Refer to Appendix D Improvements Section +This is a yes/no field that indicates whether the year built is estimated ('Y' indicates +estimated, 'N' indicates not estimated). + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate the subject property’s year built in a four-digit +format only, such as 1978 or 2002. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Data Format: yyyy + +One and only one of fields 1-142, 1-143, 1-144 +(values of Building Status Type) should be +indicated. + +147 + +IMPROVEMENTS Effective Age (Yrs) + +GSE Effective Age +Description + +Provide the effective age of the subject +property that can be represented as a +single number or range. + +154 + +155 + +156 + +157 + +158 + +159 + +160 + +161 + +162 + +163 + +164 + +165 + +166 + +167 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +148 + +149 + +IMPROVEMENTS + +IMPROVEMENTS + +150 + +IMPROVEMENTS + +Foundation +Concrete Slab +Foundation +Crawl Space + +Foundation +Full Basement + +151 + +IMPROVEMENTS + +152 + +IMPROVEMENTS + +153 + +IMPROVEMENTS + +Basement Full +Finished + +Foundation +Partial Basement + +Basement Partial +Finished diff --git a/chunks/txt/5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8.txt b/chunks/txt/5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..326ad999fafddcd1f4560a8ca0eeab8dc1752078 --- /dev/null +++ b/chunks/txt/5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8.txt @@ -0,0 +1,55 @@ +Sports Court + +An area, either open or covered, specifically designed for one or more recreational and athletic activities. + +Balcony + +Deck + +Gazebo + +Patio + +Porch + +Portico + +Inground Pool + +Inground Spa + +Outdoor Shower + +Sauna + +Property Amenity Category: Outdoor Living + +An elevated, often covered, platform surrounded by walls and / or railing systems projecting from the outside of the +building with access from the structure. + +A platform that is located next to or attached to a structure and is accessible from the structure. + +A roofed structure that is typically open on all sides. + +A solid surface outdoor area located on the site. + +A typically covered area surrounded by walls and / or railings projecting from the structure with roof lines attached to or +similar to the structure. + +A structural element leading to the entrance of a structure with a roof supported by columns or enclosed walls. + +Property Amenity Category: Water Features + +A self-contained and manufactured area built into the ground and designed to be filled with water designated for +swimming and other aquatic uses. Does not include an above-ground pool. +Note: If the pool is an indoor pool, select this answer and select Indoor for Amenity Feature. + +A structure built into the ground that typically contains hot aerated water and is used for recreational and wellness +activities. +Note: If the spa is an indoor spa, select this answer and select Indoor for Amenity Feature. + +An area open to the elements designed to be used for personal cleaning through the use of flowing water and appropriate +drainage. + +A room that is designed to be heated to high temperatures, typically with steam. +Note: If the sauna is an indoor sauna, select this answer and select Indoor for Amenity Feature. diff --git a/chunks/txt/5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e.txt b/chunks/txt/5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0639bbc4ec6ecc0dbb56c2734afdc00acc0916a --- /dev/null +++ b/chunks/txt/5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e.txt @@ -0,0 +1,150 @@ +Character + +Character + +sales_range_high + +Neighborhood Current +Sale Price Range: High + +The high end of the range of +prices of one-unit properties in +the neighborhood, excluding +isolated high and low extremes. + +Numeric + +Allowable +Values + +'1' = Over 75% +'2' = 25% to 75% +'3' = Under 25% +'9' = Missing + +'1' = Rapid +'2' = Stable +'3' = Slow +'9' = Missing +'1' = Increasing +'2' = Stable +'3' = Declining +'9' = Missing +'1' = Shortage +'2' = In Balance +'3' = Over supply +'9' = Missing + +'1' = Under 3 +Months +'2' = 3 to 6 +Months +'3' = Over 6 +Months +'9' = Missing + +$5,000 - +$1,705,000 + +Disclosure +Avoidance +Method + +Appraisal Form +Section + +Notes + +Neighborhood + +Neighborhood + +Neighborhood + +Neighborhood + +Neighborhood + +Sales Comparison +Approach + +Top coded to +$1.7 million for +high-cost areas +and $720,000 for +non-high-cost + +Federal Housing Finance Agency + +5 + +Field Name + +Short Description + +Definition + +Format + +Allowable +Values + +UAD PUF Version 2.1 Data Dictionary + +sales_range_low + +Neighborhood Current +Sale Price Range: Low + +The low end of the range of +prices of one-unit properties in +the neighborhood, excluding +isolated high and low extremes. + +Numeric + +$5,000 - +$1,705,000 + +Appraisal Form +Section + +Notes + +Sales Comparison +Approach + +Disclosure +Avoidance +Method +areas; using +intervals of +$10,000, +disclosed the +midpoint value +for the interval +into which the +reported value +falls. For +example, for a +reported value of +$117,835, +disclosed as +$115,000 +because it is the +midpoint +between +$110,000 and +$120,000. + +Top coded to +$1.7 million for +high-cost areas +and $720,000 for +non-high-cost +areas; using +intervals of +$10,000, +disclosed the +midpoint value +for the interval diff --git a/chunks/txt/523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581.txt b/chunks/txt/523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581.txt new file mode 100644 index 0000000000000000000000000000000000000000..77c1bf181f7b730ce76c8b5bf4be15403e8d433e --- /dev/null +++ b/chunks/txt/523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581.txt @@ -0,0 +1,107 @@ +ID (bullet) + +4.2.2 + +Loan Terms Table-Interest Rate (4.2) + +Form Field Name + +Interest Rate - Can this amount increase after +closing? YES +N/A + +4.2.1 + +Interest Rate + +N/A + +4.2.3 (2) Can go as high as __% in year #__ + +4.2.3 + +Can go as high as __% in year #__2 + +AIR Table (20.0) + +Form Field Name + +Adjustable Interest Rate (AIR) Table +(If 4.2.2 = YES must be included) +Index + Margin OR +Interest Rate Adjustments (#) +Initial Interest Rate + +ID + +20.0 + +20.1 + +20.2 + +20.3 Minimum/Maximum Interest Rate +20.3 Minimum/Maximum Interest Rate + +4.2.3 (1) Adjusts every # years starting1 in year #__ + +20.4 + +N/A +Change Frequency –First Change Beginning of # +month2 + +Appendix E: UCD Implementation Guide + +Page 208 of 254 + +Version 1.4 + +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +Table 140. Loan Terms and AIR Table Interest Rate Features + +Loan Terms Table-Interest Rate (4.2) + +ID (bullet) + +Form Field Name + +4.2.3 (1) Adjusts every # years3 starting in year #__ + +ID + +20.5 + +AIR Table (20.0) + +Form Field Name + +Change Frequency–Subsequent Change1 Every # +month after first change + +N/A +N/A + +1Describes change events in terms of years +2Only concerned with first adjustment +3The change frequency noted here can apply to the +subsequent adjustment if the change frequency does not +change throughout the life of the loan + +20.6 +20.7 + +Limits on Interest Rate Changes – First Change +Limits on Interest Rate Changes – Second Change1 + +1Describes both first & subsequent adjustments +2Describes change events in terms of months + +20. 1 – 20. 7 ADJUSTAB LE RATE LOAN + +Loans whose interest rate can adjust based upon the value of an external index are adjustable rate loans +(ARMs). For example: 30-year 5-3 LIBOR ARM 2/2/12 | LIBOR = 1.5% at consummation | Margin / Floor Rate = +2.5%. diff --git a/chunks/txt/524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522.txt b/chunks/txt/524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522.txt new file mode 100644 index 0000000000000000000000000000000000000000..334b5d852f1f9e8fbb77c2077e3fe84a2a2fd126 --- /dev/null +++ b/chunks/txt/524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522.txt @@ -0,0 +1,24 @@ +15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all +statements and information in this appraisal report are true and correct. + +16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which +are subject only to the assumptions and limiting conditions in this appraisal report. + +17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or +prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or +completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital +status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the +present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. + +8. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not +conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a +predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of +any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending +mortgage loan application). + +19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal +or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make +a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. diff --git a/chunks/txt/52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4.txt b/chunks/txt/52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce8a07bac75914757df11f0029be318599021f0f --- /dev/null +++ b/chunks/txt/52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/public-input" +date_accessed: "2026-01-27T17:48:02.976Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2.txt b/chunks/txt/525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2.txt new file mode 100644 index 0000000000000000000000000000000000000000..24a98051b8da903f55bb2caa077b29f6378c7412 --- /dev/null +++ b/chunks/txt/525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2.txt @@ -0,0 +1,327 @@ +P90 + +P95 + +P99 + +appraisal_to_contract + +204130 101.6 100.4 50.0 150.0 91.7 97.0 100.0 100.0 100.4 102.1 105.1 108.4 123.9 + +comparison_to_contract 204071 101.6 100.4 50.0 150.0 91.7 97.0 100.0 100.0 100.4 102.1 105.1 108.4 123.9 + +Federal Housing Finance Agency + +21 + +UAD PUF Version 2.1 Data Dictionary + +built_up Frequency Percent + +property_value_trend Frequency Percent + +1 + +2 + +3 + +9 + +170025 + +63.81 + +93317 + +35.02 + +3131 + +1.17 + +1 + +0.00 + +1 + +2 + +3 + +69192 + +25.97 + +196322 + +73.67 + +960 + +0.36 + +growth_rate Frequency Percent + +1 + +2 + +3 + +9 + +3518 + +1.32 + +259316 + +97.31 + +3631 + +1.36 + +9 + +0.00 + +lot_size Frequency Percent + +1 + +2 + +3 + +4 + +5 + +9 + +46162 + +17.32 + +116705 + +43.80 + +53618 + +20.12 + +18767 + +7.04 + +22558 + +8.47 + +8664 + +3.25 + +marketing_time Frequency Percent + +updated_last_15_years Frequency Percent + +1 + +2 + +3 + +177914 + +66.77 + +85914 + +32.24 + +2646 + +0.99 + +1 + +2 + +9 + +144145 + +54.09 + +122302 + +45.90 + +27 + +0.01 + +year Frequency Percent + +weight Frequency Percent + +2017 + +47320 + +17.76 + +20 + +266474 + +100.00 + +2018 + +42476 + +15.94 + +2019 + +47499 + +17.83 + +2020 + +46707 + +17.53 + +purpose Frequency Percent + +2021 + +45383 + +17.03 + +2022 + +37089 + +13.92 + +1 + +2 + +3 + +9 + +209614 + +78.66 + +56492 + +21.20 + +367 + +0.14 + +1 + +0.00 + +owner_occupied Frequency Percent + +1 + +2 + +140520 + +52.73 + +125954 + +47.27 + +demand_supply Frequency Percent + +1 + +2 + +3 + +75039 + +28.16 + +189501 + +71.11 + +1934 + +0.73 + +Federal Housing Finance Agency + +22 + +UAD PUF Version 2.1 Data Dictionary + +quality Frequency Percent + +condition Frequency Percent + +gross_living_area Frequency Percent + +number_comparables Frequency Percent + +1 + +2 + +3 + +4 + +5 + +105 + +0.04 + +804 + +0.30 + +65217 + +24.47 + +196804 + +73.85 + +3544 + +1.33 + +1 + +2 + +3 + +4 + +5 diff --git a/chunks/txt/525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0.txt b/chunks/txt/525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..434dc60f1b4f26a670e73fe58b134be8e62c59ec --- /dev/null +++ b/chunks/txt/525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0.txt @@ -0,0 +1,105 @@ +8.193 + +FeeActualPaymentAmount + +85.00 + +The delivered value is greater than +just the sum of +“RecordingFeeForDeed” and +“RecordingFeeTotal”, indicating that +other recording fees are part of the +transaction. + +UCD v2.0 Implementation Guide + +- 95 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +8.153 + +FeePaymentPaidByType + +8.154 + +FeePaymentPaidOutsideOfClosingIndicato +r + +Buyer + +false + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_PAYMENTS/FEE_PAYMENT + +8.193 + +FeeActualPaymentAmount + +100.00 + +The delivered value is greater than +just the sum of +“RecordingFeeForDeed” and +“RecordingFeeTotal”, indicating that +other recording fees are part of the +transaction. + +8.153 + +FeePaymentPaidByType + +8.154 + +FeePaymentPaidOutsideOfClosingIndicato +r + +Seller + +true + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL + +8.004 + +IntegratedDisclosureSectionType + +TaxesAndOtherGovernmentFee +s + +Included so that the associated fee +can be rendered on the CD in the +intended section. + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E +XTENSION + +15.010 + +ucd:FeeItemType + +TransferTax + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETA +IL + +8.212 + +FullName + +Any State diff --git a/chunks/txt/5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa.txt b/chunks/txt/5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa.txt new file mode 100644 index 0000000000000000000000000000000000000000..ccd3bee64cd26627e3a1f7414fd202a8241b999e --- /dev/null +++ b/chunks/txt/5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa.txt @@ -0,0 +1,72 @@ +Allowable Answer + +Definition / Additional Guidance + +Superior + +Similar + +Inferior + +The feature in the comparable unit has greater market demand than the subject unit. + +The feature in the comparable unit has equivalent market demand compared to the subject unit. + +The feature in the comparable unit has less market demand than the subject unit. + +Appendix F-1: URAR Reference Guide + +Page 291 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Adjusted Rent + +23 Rental Information + +The analysis of comparable rentals reflects market reaction to significant variations between the comparable units and the subject unit. + +Adjusted Rent (23.03.47) is the sum of the appraiser’s analysis of the differences between the subject unit and the comparable unit. Although no +adjustments are made within the rental comparison grid, the appraiser must consider the differences and reflect any market reaction in the final +adjusted rent for each rental comparable. + +Heading at the Top of each Rental Comparison Grid + +There is a separate rental comparison grid for each subject property unit that is included in the Rental Information section. + +Rental Information: Comparable Rental Analysis – Rental Grid Heading + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +23.03.01 Subject + +Displays if applicable + +Free-form + +23.03.24 # + +Required for each +rental comparable + +1, 2, 3 … + +Definition / Additional Guidance + +Unit Identifier +Redisplays from 23.01.01. + +Rental Comparable #: The rental comparable unit that is being compared to the +subject property unit. Redisplays from 23.02.02. +Note: Each rental comparable represents a unit and not necessarily the entire +comparable property. diff --git a/chunks/txt/527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c.txt b/chunks/txt/527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c.txt new file mode 100644 index 0000000000000000000000000000000000000000..424ec330e755b4e087b25fe706c740199f259dc5 --- /dev/null +++ b/chunks/txt/527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c.txt @@ -0,0 +1,42 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - [FHFA Policies](/about/fhfa-policies) + - Accessibility At FHFA + +# Accessibility at FHFA + +## Internet Accessibility Statement + +FHFA is committed to maintaining access to our public internet site, [www.FHFA.gov](/node/31), for individuals with disabilities which is comparable to access available to individuals without disabilities in accordance with Section 508 of the Rehabilitation Act of 1973 (29 U.S.C. 794). diff --git a/chunks/txt/52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033.txt b/chunks/txt/52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e919c69115aa9368fa620078298c4d0f46e9a13 --- /dev/null +++ b/chunks/txt/52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033.txt @@ -0,0 +1,135 @@ +Yes No +  +  +  +  +  +  +  + +  + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +2381 +CA +06/01/2021 + +Certified Residential +319721784 +CA +09/01/2021 + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Special Tax Assessments + +Attached +1 +0 +No + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 3 of 22 +Page 3 of 22 + +Subject Property (continued) + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +Legal Description + +Tract Number 31313 - Unit Number 202, Parking Spaces G22, G23. + +Subject Property Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Site + +Assessor Parcel Number (APN) +4324-007-028-001 + +4324-007-028-G22 + +4324-007-028-G23 + +Zoning + +APN Description +Condominium Unit + +Parking + +Parking + +Parcel Size + +Compliance +Classification Code +Classification Code Description Mid-rise Condominium; +12 units per acre average + +Legal +Lar4 + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Local Road | Asphalt +Yes + +Site Influence + +Influence +Residential + +Proximity +Bordering + +Detail + +Impact +Neutral + +Comment +Subject is surrounded +by other similar, mid-rise +apartment buildings. + +Site Influence Commentary Additional commentary can be added here, if needed by Appraiser. + +View and Impact to Value/Marketability + +View +Residential + +Range of View +Full + +Impact +Neutral + +View Commentary The area is residential with similar housing stock which appears to have been accepted by the market. diff --git a/chunks/txt/52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6.txt b/chunks/txt/52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6.txt new file mode 100644 index 0000000000000000000000000000000000000000..de96dc61c4355a372fb1718b243347725502085d --- /dev/null +++ b/chunks/txt/52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/deemed-issuance-ratio" +date_accessed: "2026-01-27T17:47:54.286Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4.txt b/chunks/txt/52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..54b9bbbf8edaf7cb76827c5373149e134a1b3d69 --- /dev/null +++ b/chunks/txt/52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4.txt @@ -0,0 +1,86 @@ +Definition / Additional Guidance + +The numerical order assigned by the appraiser to each comparable in the Sales +Comparison Approach section (22.01.06), commonly referred to as the “comp +number.” + +Prior Sales or Transfers for Comparable +• + +Yes (there are relevant sales or transfers, either within or beyond the +reporting period). +No (there are no relevant sales or transfers. “None” displays, and the +appraiser must also report their Data Source(s). + +• + +Assessor Record +Builder or Developer +Cooperative Board +Data Aggregator +Deed +Homeowners Association + +Data source(s) used to research the prior sale or transfer history. +• +• +• +• +• +• +• MLS +• +• +• +• +• + +Previous Appraisal File +Property Management Company +Property Owner +Property Tenant +Other (Describe) + +For reference, see the Statement of Assumptions and Limiting Conditions +relevant to data sources and Appraiser Certification 8. + +Information for each Sale or Transfer + +If more than one prior sale or transfer of the subject property or any of the comparable sales occurred within +the applicable time period, the appraiser must provide all the applicable details for each. + +Prior Sale and Transfer History Details (for Subject and Each Comparable) + +Report +Field ID + +21.002 +21.008 + +Report Label + +When to Include + +Transfer Terms + +Required for each sale +or transfer + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Ownership +Transfer Type) + +Definition / Additional Guidance + +Ownership Transfer Type: The type of ownership transfer of real property as +recognized in the jurisdiction in which it is located. +• +• + +Deed Transfer Only +Sale diff --git a/chunks/txt/52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c.txt b/chunks/txt/52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e8815f00ac676e78a072d7bd19587d7f75bcbcc --- /dev/null +++ b/chunks/txt/52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c.txt @@ -0,0 +1,47 @@ +RELATIONSHIP + +xlink:from=”EquifaxCreditScore1” xlink:to=”Borrower1” +xlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE” +xlink:from=”EquifaxCreditScore2” xlink:to=”Borrower2” +xlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE” +xlink:from=”ExperianCreditScore1” xlink:to=”Borrower1” +xlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE” +xlink:from=”ExperianCreditScore2” xlink:to=”Borrower2” +xlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE” +xlink:from=”TransUnionCreditScore1” xlink:to=”Borrower1” +xlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE” +xlink:from=”TransUnionCreditScore2” xlink:to=”Borrower2” +xlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE” + +SERVICES + +SERVICE + +CREDIT_RESPONSE + +CREDIT_SCORES + +CREDIT_SCORE xlink:label=”EquifaxCreditScore1” (Score 690) +CREDIT_SCORE xlink:label=”EquifaxCreditScore2” (Score 720) +CREDIT_SCORE xlink:label=”ExperianCreditScore1” (Score 655) +CREDIT_SCORE xlink:label=”ExperianCreditScore2” (Score 706) +CREDIT_SCORE xlink:label=”TransUnionCreditScore1” (Score 681) +CREDIT_SCORE xlink:label=”TransUnionCreditScore2” (Score 710) + +PARTIES + +PARTY/ROLES/ROLE xlink:label=”Borrower1” (John Doe) +PARTY/ROLES/ROLE xlink:label=”Borrower2” (Jane Doe) + +RELAT IONSHIP ELEMENT T YPES “FROM” AND “T O” END POINT CONDIT IONS + +Each from and to attribute value in a RELATIONSHIP element must satisfy the following conditions: + + Sufficiency – Each endpoint must unambiguously represent the data that is being linked in the + +relationship. + + Uniqueness – Each instance of endpoint must represent a different instance of the relationship. + +For example, to represent the relationship where a party is a borrower on a loan, link the elements +LOAN and ROLE. That relationship meets the rules of sufficiency and uniqueness. diff --git a/chunks/txt/52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62.txt b/chunks/txt/52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ffddb575f52f21d0e7e84f4b999bebe90126e52 --- /dev/null +++ b/chunks/txt/52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62.txt @@ -0,0 +1,27 @@ +[FHFA Information Quality Guidelines (2022)](/sites/default/files/2023-02/FHFA-Information-Quality-Guidelines-2022.pdf) + +[FHFA Information Quality Annual Reports](/reports/information-quality-report) + +**Information Correction Requests and Requests for Reconsideration** should be sent to: + +> ​Federal Housing Finance Agency +ATTN: *Information Quality Program (OTIM/OCAC)* +400 7th Street, S.W. +Washington, D.C. 20219 + +Email: [InformationQuality@FHFA.gov](mailto:InformationQuality@FHFA.gov)​ + +**What information must I include in my request?** + +- Your name, address, telephone number, and organizational affiliation, if any; +- A description of the specific information that is the subject of the request (title of the document, date of release, URL of the web page on which the information appears, etc.); +- An explanation of the reasons for believing the information is incorrect, including specific recommendations for correcting the information. +Persons filing a request or complaint have the burden of proof to demonstrate that the information is not correct. Information requests will be evaluated for completeness and clarity. + +**When and how will FHFA respond to my complaint?** + +In general, FHFA will respond in writing within 60 calendar days from the date FHFA receives your complaint. This response time may be extended for up to an additional 60 calendar days. If an extension is required, FHFA will send you a notice and will provide you with an estimated response date. ​ + +**Peer Review Reports** + +Federal Housing Finance Agency does not currently produce or sponsor the distribution of influential scientific information (including highly influential scientific assessments) within the definitions promulgated by OMB.​ diff --git a/chunks/txt/52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5.txt b/chunks/txt/52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f91012b9000a38155f16ad406be86cac2c4850c --- /dev/null +++ b/chunks/txt/52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5.txt @@ -0,0 +1,30 @@ +A map of census tracts identified as [**minority census tracts in 2025** can be ​found **here**](/document/2025-minority-census-tracts.pdf). + +A map of census tracts identified as [**low-income census tracts in 2025** can be found **here**](/document/2025-low-income-census-tracts.pdf). + +Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the Federal Emergency Management Agency (FEMA), where individual assistance payments were authorized by FEMA. FHFA calculates the disaster areas increment for the low-income areas home purchase goal each year. The disaster areas increments from 2010 to 2025 are available below. + +Year Increment 2010 11% 2011 11% 2012 9% 2013 10% 2014 7% 2015 5% 2016 3% 2017 4% 2018 4% 2019 5% 2020 4% 2021 4% 2022 6% 2023 6% 2024 5% 2025 5% ​Learn more about [low-income census tracts, minority census tracts, and designated disaster areas](/data/underserved-areas). + +​ + +## **Contact** + +If you have any questions or comments about the data or documents, please email [Padma Raman](mailto:Padmasini.Raman@fhfa.gov) or [Omena Ubogu​](mailto:Omena.Ubogu@fhfa.gov). + +[**Learn more about Enterprise Housin​g Goals**](/programs/enterprise-affordable-housing-goals) + +*La​st Updated: October 30, 2025* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) diff --git a/chunks/txt/52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673.txt b/chunks/txt/52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b9c36edd2f27ff7e8914c9d6325570ade12786e --- /dev/null +++ b/chunks/txt/52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673.txt @@ -0,0 +1,343 @@ +2 + +0 + +C4 + +Similar + +Less + +900 + +Superior + +Similar + +Superior + +0.95 + +false + +2020-02 + +No + +false + +false + +1000 + +PropertyPhoto + +\\Images\2-4_RC3.png + +image/png + +19.522 + +-154.934 + +Bayville + +false + +false + +false + +15000 + +1776 Whitecrest Rd + +Unit + +1 + +Surfside + +12345 + +HI + +NorthEast + +4 + +.5 + +Dwelling + +900 + +2 + +1 + +0 + +C3 + +Similar + +Less + +900 + +Superior + +Similar + +Similar + +1.44 + +false + +2019-10 + +No + +false + +false + +1300 + +PropertyPhoto + +\\Images\2-4_RC4.png + +image/png + +19.534 + +-154.863 + +Hillview Gardens + +false + +false + +false + +12000 + +1776 Whitecrest Rd + +Unit + +2 + +Surfside + +12345 + +HI + +NorthEast + +5 + +.5 + +Dwelling + +1260 + +3 + +2 + +0 + +C4 + +Inferior + +Less + +850 + +Superior + +Similar + +Similar + +0.95 + +false + +2019-09 + +No + +false + +false + +1200 + +PropertyPhoto + +\\Images\2-4_RC5.png + +image/png + +19.528 + +-154.838 + +Hillview Gardens + +false + +false + +false + +12000 + +16-204 Whitecrest Dr + +Surfside + +12345 + +HI + +West + +Less + +115 + +1 + +.8 + +PropertyPhoto + +\\Images\2-4_GRMComp1.png + +image/png + +19.464 + +-154.8385 + +0 + +2 + +2300 + +true + +2019-02-24 + +265000 + +Sale + +15-137 Stoneback Ave + +Surfside + +12345 + +HI + +East + +Less + +107 + +2 + +.3 + +PropertyPhoto + +\\Images\2-4_GRMComp2.png + +image/png + +19.5021 + +-154.8203 + +0 + +3 + +2700 + +false + +2019-05-31 + +289000 + +Sale + +16-207 Starmind Blvd + +Surfside + +12345 + +HI + +West + +Most + +112 + +3 + +1.2 + +PropertyPhoto + +\\Images\2-4_GRMComp3.png + +image/png + +19.4925 + +-154.8513 + +0 + +2 + +1700 + +false + +2019-08-30 + +190000 + +Sale + +34205-UH + +Client + +Nowhere432159 + +ValuationSoftwareVendor + +DifficultyEstimatingDepreciation + +110 + +The appraiser's analysis of comparable sales of rental properties shows a range for the gross rent multiplier of 107 to 115. Comparable #3 is most similar in size and utility and is given most weight. The income approach is considered reliable and provides support for the value estimate. Comparable #1's gross monthly rent estimated due to owner occupancy of one of the units. diff --git a/chunks/txt/52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df.txt b/chunks/txt/52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb12f9205d3e665b8c7eb26d61f5e4ea432ef53b --- /dev/null +++ b/chunks/txt/52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df.txt @@ -0,0 +1,109 @@ +Appraiser State + +The state in which the address of the +appraiser is located. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_State + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +Appraiser Postal +Code + +The postal code (zip code in US) of the +address of the appraiser. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_PostalCode + +APPRAISER +CERTIFICATION +APPRAISER +CERTIFICATION + +Appraiser +Telephone Number +Appraiser +Email Address + +Contact Point +Value +Contact Point +Value + +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL/CON +TACT_POINT[@_Type=‘Phone’]/@_Value +/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL/CON +TACT_POINT[@_Type=‘Email’]/@_Value + +APPRAISER +CERTIFICATION + +Appraiser +Date of Signature and Report + +Appraiser Report +Signed Date + +Indicates the date the appraiser signed the +appraisal report. + +/VALUATION_RESPONSE/REPORT/@AppraiserReportSignedDate + +50 + +55 + +50 + +50 + +70 + +2 + +10 + +50 + +55 + +10 + +String + +String + +String + +String + +String + +String + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +Should conform to USPS (Pub 28). The following address elements should be included +in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +• Address unit designator and number (if applicable) diff --git a/chunks/txt/530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31.txt b/chunks/txt/530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31.txt new file mode 100644 index 0000000000000000000000000000000000000000..4cf2ab0cd3fdcfaa5bd23e9b2f62b4c79dd3e375 --- /dev/null +++ b/chunks/txt/530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31.txt @@ -0,0 +1,26 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. Andrew Appraiser +provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to +perform the assistance. + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 21 of 21 +Page 21 of 21 + +Certifications (continued) + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. diff --git a/chunks/txt/530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70.txt b/chunks/txt/530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70.txt new file mode 100644 index 0000000000000000000000000000000000000000..42085f8e6b8e3babd270f51c61e9464598cab087 --- /dev/null +++ b/chunks/txt/530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70.txt @@ -0,0 +1,95 @@ +Full Bathroom +Half Bathroom +Kitchen +Other (Describe) + +Description of the defect, damage, or deficiency, as previously entered in +the original section. + +Indicates whether the defect, damage, or deficiency affects the soundness +and / or structural integrity of the improvement, as previously entered in +the original section. + +The recommended action for the defect, damage, or deficiency, as +previously entered in the original section: +• +• +• +• + +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or +inspection) + +Notes: +• + +If Completion, Inspection, or Repair is reported for any defect, +damage, or deficiency, the report must be made subject to the +resolution of the item (Market Value Condition 26.009 cannot be As +Is). +If Repair is selected, the estimated cost to repair may be provided. + +• + +Appendix F-1: URAR Reference Guide + +Page 331 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Cost to Repair Reporting Options + +When included, the estimated cost to repair only displays in the Summary and Reconciliation sections. +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for specific guidance. + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Reconciliation: Cost to Repair + +This is an +appraiser input +that does not +display + +Estimated Cost +to Repair + +Report +Field ID + +Not on +Report + +26.026 +26.033 +26.041 +26.049 +26.057 +26.063 +26.069 + +26.070 Total Cost + +26.072 Total Estimated + +Cost of Items +Requiring Repair + +Required if there are +defects, damages, or +deficiencies diff --git a/chunks/txt/5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974.txt b/chunks/txt/5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8ad926fc8c04436b4e2c2263607514308ec4b63 --- /dev/null +++ b/chunks/txt/5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974.txt @@ -0,0 +1,103 @@ +AMA_PUDB_definitions_2017 + +Data Definitions +Federal Housing Finance Agency +Federal Home Loan Bank Purchased Mortgage Files +For 2017 Data Release + +Effective 10/18/17 + +Column + +1 Year +2 Assigned ID +3 Bank +4 FIPSStateCode +5 FIPSCountyCode +6 MSA + +7 FeatureID +8 Tract +9 MinPer +10 TraMedY +11 LocMedY +12 TractRat +13 Income +14 CurAreY +15 IncRat +16 UPB +17 LTV +18 MortDate +19 AcquDate +20 Purpose + +21 Coop + +22 Product + +23 FedGuar + +24 Term + +25 AmorTerm +26 SellType + +27 NumBor +28 First + +Definition +Year Loan was reported +Unique Record ID (Not Actual Loan Number) +Name of Federal Home Loan Bank District +FIPS State Code +FIPS County Code +Core Based Statistical Area +99999=State/County/Tract combination is not located in a CBSA + +Geographic Names Information System (GNIS) Feature ID +Census Tract +Census Tract Minority Percentage +Census Tract Median Family Income in Whole Dollars +Local Area Median Income in Whole Dollars +Tract Income Ratio +Total Borrower(s) Annual Income in Whole Dollars +Area Median Family Income in Whole Dollars +Borrower Income Ratio +Acquisition Unpaid Principal Balance in Whole Dollars +Loan to Value Ratio at Origination +Year of Mortgage Note +Year of Acquisition Note +Loan Purpose +1=purchase; +2=refinancing; +3=second mortgage; +4=new construction; +5=rehabilitation + +Cooperative Unit Mortgage +1=yes; +2=no + +Product Type +01=Fixed Rate; +02=ARM; +03=Balloon; +04=GPM/GEM; +05=Reverse Annuity Mortgage; +06=other + +Federal Guarantee +0=no federal guarantee; +1=FHA; +2=VA; +3=FMHA-Guaranteed Rural Housing Loan; +4=HECMs; +5=Title1-FHA + +Term of Mortgage at Origination in months + +Amortization Term in months +Type of Acquiring Lender Institution +1=Insured depository institution; +2=Housing Associate; +3=Insurance Company diff --git a/chunks/txt/531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948.txt b/chunks/txt/531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd2a8ae70df91adc7008cebb1e84b60e805a78d6 --- /dev/null +++ b/chunks/txt/531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948.txt @@ -0,0 +1,322 @@ +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +Net Adj. 103a % +Gross Adj. 103b % + +Net Adj. 103a % +Gross Adj. 103b % + +Net Adj. 103a % +Gross Adj. 103b % + +74 Total Bdrms. Baths + +74 Total Bdrms. Baths + +96 +98 +100 + +96 +98 +100 + +e-14; e-15; e-16 + +e-29; e-30; e-31 + ++ - + 102 + ++ - +102 + +Total Bdrms. + +Bdrms. Baths + ++ - + 102 + +63 62 + +63 62 + +61 60 + +Baths Total + +79 sq. ft. + +79 sq. ft. + +79 sq. ft. + +e-5; e-6; e-7 + +e-5; e-6; e-7 + +e-5; e-6; e-7 + +31 sq. ft. + +95 +97 +99 + +95 +97 +99 + +40 +42 +44 + +95 +97 +99 + +e-17; 70 + +e-17; 26 + +e-17; 70 + +e-17; 70 + +$ 104 + +$ 104 + +$ 103 + +$ 103 + +$ 104 + +$ 103 + +82 +84 + +82 +84 + +101 + +101 + +106 + +101 + +65 + +71 + +65 + +59 + +71 + +80 + +78 + +90 + +94 + +69 + +92 + +67 + +88 + +86 + +73 + +80 + +77 + +85 + +25 + +89 + +75 + +88 + +87 + +34 + +68 + +69 + +92 + +72 + +35 + +76 + +75 + +68 + +24 + +72 + +87 + +73 + +76 + +93 + +91 + +66 + +93 + +93 + +72 + +89 + +36 + +75 + +77 + +87 + +91 + +27 + +37 + +66 + +91 + +94 + +78 + +86 + +76 + +67 + +89 + +90 + +30 + +77 + +38 + +29 + +85 + +28 + +66 + +68 + +85 + +53 +55 + +57 + +59 + +61 + +63 + +65 + +67 + +69 + +71 + +73 + +74 + +78 + +80 + +82 +84 + +86 + +88 + +90 + +92 + +94 + +96 +98 +100 + +109 + +112 + +111 + +108 + +My 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. +Data source(s) 110 +My 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. +Data source(s) 113 +Report 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). +COMPARABLE SALE # 3 +118 +119 +120 +121 diff --git a/chunks/txt/532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81.txt b/chunks/txt/532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81.txt new file mode 100644 index 0000000000000000000000000000000000000000..6bcc7cf9aff53b14237d70ffb2226a4168115d64 --- /dev/null +++ b/chunks/txt/532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# No FEAR Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - No FEAR Report + +The No FEAR Act requires federal agency accountability for violations of antidiscrimination and whistleblower protection laws. Federal agencies must notify employees and applicants for employment about their rights under the federal antidiscrimination and whistleblower laws. The No FEAR Act requires each federal agency to report quarterly on its public website summary statistical data related to equal employment opportunity (EEO) complaints filed against it and to report annually on the agency’s efforts to improve compliance with employment discrimination and whistleblower protection laws and detail the status of complaints brought against the agency under these laws. diff --git a/chunks/txt/532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b.txt b/chunks/txt/532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4473a2e95daad6100f58cbbd1ee9ea21b3937d5e --- /dev/null +++ b/chunks/txt/532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b.txt @@ -0,0 +1,37 @@ +Up to 30% of the units (or of stocks or shares for co-ops) in projects that are subject to rent regulations, +which protect tenants from eviction (if they have chosen not to purchase their unit), will be permitted. + +Phasing of projects (single building or multiple buildings) will be considered on a project basis. + +The project sponsor or developer must provide a comprehensive sales and marketing strategy. + +All projects are subject to a site inspection. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 143 of 166 + +UAD 3.6 Policy + +Additional Requirements - For Condo and PUD Projects Comprised of Manufactured Homes + +For a condo or PUD project comprised of manufactured homes to receive project approval through the standard PERS process, +the project must comply with the following requirements. + +✓ + +Lender Pre-PERS Submission Review Requirements - For Projects Consisting of Manufactured Homes + +Review all aspects of the project to determine that it satisfies Fannie Mae eligibility requirements as stated +in SB4-2.1-01, General Information on Project Standards. + +Review all aspects of the project to determine that it meets all eligibility requirements for the Full Review for +condos, requirements for PUDs, and any other applicable requirements. + +Review the manufactured housing unit to confirm that it meets all requirements of SB4-1.4-01, Factory-Built +Housing: Manufactured Housing. + +Perform a thorough underwriting analysis of the project and provide the conclusion of such analysis. + +Note: If the project is subject to a ground lease, the ground lease must meet the eligibility requirements +in SB2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates. diff --git a/chunks/txt/532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848.txt b/chunks/txt/532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848.txt new file mode 100644 index 0000000000000000000000000000000000000000..e4eb7b227d6ef16dee606b05fb7ed46cc3c10e17 --- /dev/null +++ b/chunks/txt/532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848.txt @@ -0,0 +1,3 @@ +Sketch Commentary ................................................................................................................................................................................................................. 152 + +08 Dwelling Exterior ............................................................................................................................................................................................................................. 153 diff --git a/chunks/txt/53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6.txt b/chunks/txt/53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fee23e1ff759f2e7ffb0706fa011380b4aa06e7 --- /dev/null +++ b/chunks/txt/53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6.txt @@ -0,0 +1,205 @@ +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 30 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +11 + +1 + +10 + +SUBJECT + +Borrower + +GSE Borrower Name + +The unparsed name(s) of person(s) or +non-person entities that are the +borrower(s). + +12 + +1 + +11 + +SUBJECT + +Owner of Public Record + +GSE Property Owner +Name + +The unparsed name(s) of the subject +property owner(s). + +/VALUATION_RESPONSE/PARTIES/BORR +OWER/BORROWER_EXTENSION/BORRO +WER_EXTENSION_SECTION[@ExtensionSe +ctionOrganizationName='UNIFORM +APPRAISAL +DATASET']/BORROWER_EXTENSION_SEC +TION_DATA/BORROWER_NAME/@GSEBo +rrowerName + +/VALUATION_RESPONSE/PROPERTY/_OW +NER/PROPERTY_OWNER_EXTENSION/PR +OPERTY_OWNER_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/PROPERTY_OWNER_EXTENSI +ON_SECTION_DATA/PROPERTY_OWNER/ +@GSEPropertyOwnerName + +50 + +String + +45 + +String + +13 + +14 + +1 + +1 + +12 + +13 + +SUBJECT + +County + +Property County + +The county in which the subject +property is located. + +/VALUATION_RESPONSE/PROPERTY/@_C +ounty + +30 + +String + +SUBJECT + +Legal Description diff --git a/chunks/txt/534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f.txt b/chunks/txt/534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f.txt new file mode 100644 index 0000000000000000000000000000000000000000..53e5a98154316385b3ccc4eecb3b6336e2fb565c --- /dev/null +++ b/chunks/txt/534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f.txt @@ -0,0 +1,63 @@ +Description of Prior Services: Performed an appraisal for refinance purposes in 2017. + +Signature + +Appraiser +Bill Smith +Bill Smith + +09/08/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +319721784 +CA +09/01/2021 + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Condominium Scenario 2 (Condo2) + +Introduction + +This report is for a detached condominium, and the site is not owned in common. The rights to the land +are owned by the homeowner, and the homeowner is responsible for the maintenance of the dwelling. +The legal description references condominium. + +The home has one level above grade, one level below grade (walkout basement), and noncontinuous +finished space above the garage. It is new construction in a community with a country club and golf +course. Membership in the country club is mandatory for anyone who purchases a home in this +community. The subject has a golf course view. + +Key Characteristics + +• + +Parties associated with this transaction: + +o Lender +o AMC (Client) +o Appraiser + +• Market Value Condition: As Is +• No Defects, Damages, or Deficiencies noted +• Desktop appraisal + +o No subject property inspection by the appraiser (see also Cert 10) + +• + +Subject Property + +o Project Legal Structure: Condominium +o Site Owned in Common: No +o Attachment Type : Detached +o Units Excluding ADUs: 1 +o Homeowner responsible for all exterior maintenance +o New construction built less than 12 months ago and never lived in. C1 condition rating. diff --git a/chunks/txt/5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e.txt b/chunks/txt/5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e.txt new file mode 100644 index 0000000000000000000000000000000000000000..89e2eea71b47be16c6b2053e7a310719b90bf443 --- /dev/null +++ b/chunks/txt/5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e.txt @@ -0,0 +1,37 @@ +17. Can the UAD Condition and Quality Ratings be applied to manufactured housing? + +Yes, the Condition and Quality Ratings apply to all residential property types, including manufactured homes. +This is a change from UAD 2.6. + +18. Why is there a need for component-level Update Status and Condition Status? + +This helps support the Condition and Quality Ratings. + +19. Have the Update Statuses for level of work completed changed? + +Yes. New construction will now be reported as Fully Updated instead of Not Updated. See the URAR Reference +Guide for details. + +• Room Update Status (Kitchens and Baths) +• Overall Update Status for Bathrooms +• Overall Update Status for Flooring + +20. If a dwelling was built in two different years, how should Year Built be reported on the URAR? + +This depends on whether it was original construction covering multiple years or additional construction done +years later. + +Example 1: Dwelling was started in 2024 and completed in 2025. The year the structure was completed (2025) +would be reported. + +Example 2: Dwelling was originally built in 1950, with an addition constructed in 2002. The year of the original +part of the structure (1950) would be reported. + +21. What information is required for accessory dwelling units (ADUs) reported on the URAR? + +The URAR includes more detailed information about ADUs, such as size, condition, rooms, and location. ADUs +display in a more consistent manner on the new URAR than on the legacy forms, which will make it easier for +reviewers to identify. See the URAR Reference Guide for details. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. diff --git a/chunks/txt/536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996.txt b/chunks/txt/536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996.txt new file mode 100644 index 0000000000000000000000000000000000000000..16cdaa9f4e1797da2650dd7e742e1efbdabb2513 --- /dev/null +++ b/chunks/txt/536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34296","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428.txt b/chunks/txt/536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428.txt new file mode 100644 index 0000000000000000000000000000000000000000..cb753065847772da0c861fc8d1923ebe9824e87f --- /dev/null +++ b/chunks/txt/536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428.txt @@ -0,0 +1,3 @@ +Document Conventions .............................................................................................................................................................................................................. 7 + +Report PDF ....................................................................................................................................................................................................................... 8 diff --git a/chunks/txt/537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157.txt b/chunks/txt/537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157.txt new file mode 100644 index 0000000000000000000000000000000000000000..013e21049a796c6786f4a300ae793b1f7c39aff8 --- /dev/null +++ b/chunks/txt/537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157.txt @@ -0,0 +1,85 @@ +4.5 Ref §1026.38(b), p. 80121; Cross reference to §1026.37(b)(4), pp. 80114, 80121, 80335-37, 80340, 79917, + +79926-29, 79935, 79937, 79943. + +Appendix E: UCD Implementation Guide + +Page 79 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +5.0 PROJECTED PAYMENTS TABLE + +The Projected Payments table is included in the following Closing Disclosure Variations: + +Table 70. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions Only +Alternate Form + +5.0 + +Projected Payments Table + +✓ + +✓ + +✓ + +The purpose of the Projected Payments table is to help borrower(s) understand: + +1. How the three major components of their periodic mortgage payment can change over time, + +2. Whether the payment can change over the life of the loan, and if so, the limits of the change, and + +3. Any unique payment characteristics. + +5.0 Projected Payments has two sections: Payment Calculation (Rows 5.1 – 5.5) and Estimated Taxes, +Insurance and Assessments (Row 5.6) (Figure 53). + +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 Years 1 – 5 5.1.2 Years 6 – 8 + +5.1.3 Years 9 – 11 5.1.4 Years 12 - 30 + +5.2 Principal & Interest + +5.3 Mortgage Insurance + +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total +Monthly Payment + +5.2.1 +5.2.2 $1,007.35 +5.2.3 only interest + +5.2.4 $1,007 min +5.2.5 $1,452 max + +5.2.6 $1,007 min +5.2.7 $1,666 max + +5.2.8 $1,007 min +5.2.9 $1,870 max diff --git a/chunks/txt/538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54.txt b/chunks/txt/538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54.txt new file mode 100644 index 0000000000000000000000000000000000000000..9aa0cd4ddf502cac96237f7ac9a04022a0d6a83d --- /dev/null +++ b/chunks/txt/538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54.txt @@ -0,0 +1,23 @@ +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +54 + +Data PointsContainersL3. Mortgage Loan InformationADJUSTMENTINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULEINTEREST_RATE_ADJUSTMENTINTEREST_RATE_LIFETIME_ADJUSTMENT_RULEINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULESAdjustmentRuleTypePerChangeRateAdjustmentFrequencyMonthsCountMarginRatePercentCeilingRatePercentContinued + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +55 + +Data PointsContainersLegend:L4. Qualifying the BorrowerDEALCOLLATERALSLIABILITIESLIABILITY_SUMMARYCOLLATERALSUBJECT_PROPERTYSALES_CONTRACTSSalesConcessionAmountTotalSubjectPropertyPayoffsAndPaymentsAmountTotalNonSubjectPropertyDebtsToBePaidOffAmountSALES_CONTRACTSALES_CONCESSIONSSALES_CONCESSIONSALES_CONTRACT_DETAILSalesContractAmount + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +56 + +Data PointsContainersLegend:L4. Qualifying the BorrowerLOANDOCUMENT_SPECIFIC_DATA_SETSLOAN_DETAILPURCHASE_CREDITSGOVERNMENT_LOANTERMS_OF_LOANPURCHASE_CREDITDOCUMENT_SPECIFIC_DATA_SETURLAURLA_DETAILURLA_TOTALAlterationsImprovementsAndRepairsAmountEstimatedClosingCostsAmountBorrowerPaidDiscountPointsTotalAmountMIAndFundingFeeFinancedAmountMIAndFundingFeeTotalAmountPrepaidItemsEstimatedAmountPurchaseCreditTypePurchaseCreditTypeOtherDescriptionPurchaseCreditSourceTypePurchseCreditSourceTypeOtherDescriptionPurchaseCreditAmountFHAMIPremiumRefundAmountBaseLoanAmountTotalSubordinateFinancingAmountBelowMarketSubordinateFinancingIndicatorCLOSING_INFORMATIONCLOSING_ADJUSTMENT_ITEMCLOSING_ADJUSTMENT_ITEMSCLOSING_INFORMATION_DETAILClosingAdjustmentItemTypeClosingAdjustmentItemAmountCashToBorrowerAtClosingAmountCashFromBorrowerAtClosingAmountCONSTRUCTIONLandOriginalCostAmountLandAppraisedValueAmountCLOSING_ADJUSTMENT_ITEM_DETAILEXTENSIONOTHERULAD:URLATotalSellerCreditsAmountULAD:URLA_TOTAL_EXTENSIONEXTENSIONOTHERDU:CONSTRUCTION_EXTENSIONLandValueAmountTypeContinued diff --git a/chunks/txt/538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f.txt b/chunks/txt/538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f.txt new file mode 100644 index 0000000000000000000000000000000000000000..75bdb7288315b223e93e5f7035bf039344f9e80e --- /dev/null +++ b/chunks/txt/538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f.txt @@ -0,0 +1,75 @@ +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. +The low price of the neighborhood +housing specified in Neighborhood +Housing Type. +The high price of the neighborhood +housing specified in Neighborhood +Housing Type. +The predominant price of the +neighborhood housing specified by +Neighborhood Housing Type. +The age, in years, of the newest +neighborhood housing specified in +Neighborhood Housing Type. + +Neighborhood +Housing Oldest +Years Count + +Neighborhood +Housing +Predominant Age +Years Count +Neighborhood +Present Land Use +Percent +Neighborhood +Present Land Use +Percent +Neighborhood +Present Land Use +Percent +Neighborhood +Present Land Use +Percent +Neighborhood +Present Land Use +Percent + +GSE Neighborhood +Boundaries +Description + +The age, in years, of the oldest +neighborhood housing specified in +Neighborhood Housing Type. + +The predominant age, in years, of the +neighborhood housing specified by +Neighborhood Housing Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. diff --git a/chunks/txt/53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304.txt b/chunks/txt/53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304.txt new file mode 100644 index 0000000000000000000000000000000000000000..587260b3f89d03a754658775046edccf2524489b --- /dev/null +++ b/chunks/txt/53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304.txt @@ -0,0 +1,10 @@ +For more information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +team, and mortgage brokers should contact their DO sponsoring wholesale lender. + +© 2024 Fannie Mae. + +6.18.24 + +2 of 2 diff --git a/chunks/txt/539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2.txt b/chunks/txt/539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2.txt new file mode 100644 index 0000000000000000000000000000000000000000..cba77588705db7d3ad5d5eb2a9571a50cfbaf4c5 --- /dev/null +++ b/chunks/txt/539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2.txt @@ -0,0 +1,125 @@ +Years 9 – 11 +Principal & Interest +max + +Table 74. P&I Payments for 5-3 ARM + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +1007.35 + +ProjectedPaymentPr +incipalAndInterestMi +nimumPaymentAmo +unt + +Represented on the +form as “$1,007 +min” + +Fourth Instance of PROJECTED_PAYMENT + +5.2.9 + +5.2.8 + +Years 12 – 30 +Principal & Interest +max + +…/PROJECTED_PAY +MENT + +Years 12 – 30 +Principal & Interest +max + +1870.15 + +1007.35 + +ProjectedPaymentPr +incipalAndInterestM +aximumPaymentAm +ount + +ProjectedPaymentPr +incipalAndInterestMi +nimumPaymentAmo +unt + +Represented on the +form as “$1,870 +max” + +Represented on the +form as “$1,007 +min” + +End of PROJECTED_PAYMENT Instances + +b. I NTEREST ONLY FEATURE + +If the loan has an interest only feature, the phrase “only interest” must appear in the first Year Range column, +immediately below the P&I payment amounts (form field ID 5.2.3). + +For example: Figure 58 illustrates a 30-year, fixed rate loan with no balloon or negative amortization feature. +The loan has a 7-year interest-only period, so the P&I payment will increase at the end of the interest only term. +Table 75 shows how this data is represented in the XML file. + +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 + +Years 1 – 7 + +5.2 Principal & Interest + +5.2.1 + +5.2.2 + +5.2.3 + +$761.78 +only interest + +5.1.2 + +5.2.4 + +5.2.5 + +Years 8 – 30 + +$795.83 + +Figure 58. P&I Payments for Loan with an Interest Only Feature + +Table 75. P&I Payments for Loan with Interest-Only Feature + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +First Instance of PROJECTED_PAYMENT diff --git a/chunks/txt/53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215.txt b/chunks/txt/53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215.txt new file mode 100644 index 0000000000000000000000000000000000000000..920e429cb8cb00d876a047e2314562b514988351 --- /dev/null +++ b/chunks/txt/53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215.txt @@ -0,0 +1,77 @@ +4.0(cid:25)(cid:22) + +Site Features Commentary + +4.0(cid:25)(cid:25) + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +4.0(cid:25)(cid:26) + +Electricity + +Gas + +4.0(cid:25)(cid:28) + +4.0(cid:26)(cid:24) + +Public +4.0(cid:26)(cid:19) +4.0(cid:26)(cid:25) + +Sanitary Sewer + +4.0(cid:27)(cid:20) + +4.0(cid:27)(cid:21) + +Water + +4.0(cid:28)(cid:22) + +4.0(cid:27)(cid:26) + +4.0(cid:27)(cid:27) + +4.0(cid:28)(cid:23) + +Private +4.0(cid:26)(cid:20) + +4.0(cid:26)(cid:26) + +4.0(cid:27)(cid:22) + +4.0(cid:27)(cid:28) + +4.0(cid:28)(cid:24) + +Detail +4.0(cid:26)(cid:21) + +4.0(cid:26)(cid:27) + +4.0(cid:27)(cid:23) + +4.0(cid:28)(cid:19) + +4.0(cid:28)(cid:25) + +Impact +4.0(cid:23)(cid:24) + +4.0(cid:23)(cid:27) + +4.0(cid:24)(cid:21) + +4.0(cid:24)(cid:25) + +4.0(cid:25)(cid:19) + +4.0(cid:25)(cid:23) + +Comment +4.0(cid:23)(cid:25) diff --git a/chunks/txt/53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac.txt b/chunks/txt/53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..c624bf84d9d4dfc2079de19463aff953e3e78156 --- /dev/null +++ b/chunks/txt/53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac.txt @@ -0,0 +1,89 @@ +industry, or + +• Negatively affect the integrity / composition of the site itself, or +• Negatively affect the soundness or structural integrity of the improvements to the site, or +• Measurably impact the marketability or value of the property, or +• Require completion + +Example: + +Any other items that do not require repair, replacement, or inspection may also be reported using the +Recommended Action of None. Example: + +Appendix F-1: URAR Reference Guide + +Page 145 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Reference the appropriate government agency appraisal guidelines for specific requirements. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +10.052 N/A + +10.053 N/A + +10.054 N/A + +Display only + +Display only + +N/A + +N/A + +If the unit is an ADU in an outbuilding, Outbuilding Type redisplays from 10.000. + +If applicable, Structure Identifier redisplays from 10.001. + +Displays when there is +more than one living +unit + +Free-form + +If applicable, Unit Identifier redisplays from 10.002. + +10.055 N/A + +Always required + +Yes |No + +10.055 N/A + +Displays when Unit +Interior Defects Exist is +Yes + +N/A + +Unit Interior Defects Exist: Indicates whether there are apparent defects, +damages, or deficiencies for the indicated unit. +• + +If No, “None” displays, and the Apparent Defects, Damages, Deficiencies +(Unit Interior) table does not display. + +The items listed below represent the As Is condition as of the effective date of +this report + +Information About Each Defect, Damage, or Deficiency diff --git a/chunks/txt/53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3.txt b/chunks/txt/53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c29954c3fc579ce7bfd1abe8a305af8fd7a23af --- /dev/null +++ b/chunks/txt/53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3.txt @@ -0,0 +1,166 @@ +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Value + +Notes + +…/PRINCIPAL_AND_I +NTEREST_PAYMENT +_ADJUSTMENT/PRIN +CIPAL_AND_INTERE +ST_PAYMENT_LIFETI +ME_ADJUSTMENT_ +RULE + +FirstPrincipalAndInt +erestPaymentChang +eMonthsCount + +PrincipalAndInterest +PaymentMaximumA +mountEarliestEffecti +veMonthsCount + +61 + +61 + +AdjustmentRuleTyp +e + +First + +Represented in AP +Table as “at 61st +payment” + +Represented in AP +Table as “starting at +61st payment” + +ROF as “First” + +ID (bullet) + +Form Field Name + +19.6 | +4.3.3(1) + +First Change / +Amount … + +19.8 | +4.3.3(2) + +Maximum Payment +… starting at ___ +payment + +19.6 | +4.3.3(1), +(2) +19.8 +|4.3.3(2) + +First Change / +Amount… + +Maximum Payment +$___ … + +Appendix E: UCD Implementation Guide + +Page 202 of 254 + +Version 1.4 + +Uniform Closing Dataset + +19.0 Adjustable Payment (AP) Table + +ID (bullet) + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Table 135. Optional Payment Loan + +19.6 + +First Change / +Amount…$ + +19.7 + +Subsequent +Changes Every #___ +years +19.5 | 4.3 _____ Principal and + +Interest Payments + +19.2 + +Optional Payments? + +PerChangeMaximu +mPrincipalAndIntere +stPaymentAmount + +925.00 + +ROF as “$925.00” + +For fixed rate payment option loans with only one payment option period, no explicit +data is sent to represent “No Subsequent Changes” + +…/PAYMENT/PAYME +NT_RULE + +PaymentFrequencyT +ype + +Monthly + +ROF as “Monthly” + +PaymentOptionIndic +ator + +True + +Represented in AP +Table as “YES” + +19.2.1 + +For your first ____ +payments + +…/PAYMENT/PAYME +NT_RULE/EXTENSIO +N/OTHER + +gse:TotalOptionalPa +ymentCount + +60 + +Represent in AP +table as “first 60 +payments” + +19. 3 | 19. 5 – 19. 8 STEP PAYMENTS? diff --git a/chunks/txt/540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1.txt b/chunks/txt/540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a9fd7f447de34c82b2498866780c3ab5378893c --- /dev/null +++ b/chunks/txt/540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1.txt @@ -0,0 +1,30 @@ +Desktop Underwriter Validation Service +Release Notes + +February 5, 2025 + +During the weekend of April 4, 2025, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation service +that expands the income types eligible to receive validation using a 12-month asset verification report. These changes will apply +to loan casefiles submitted or resubmitted on or after the weekend of April 4th, 2025. + +Expansion of Income and Employment Validation to include Military Base +Pay and Entitlements + +Military employment, base pay, and those entitlements specified in the DU loan application will now be eligible to receive +validation using a 12-month asset verification report. This eligibility includes income and employment for military personnel +serving in the Reserves and/or National Guard. + +As a reminder, the lender must provide the name of the military employer (e.g., U.S. Army) and enter military income in the DU +field specified for this purpose (i.e., military base pay). Entitlements are entered individually according to the type of entitlement +(e.g., quarter’s allowance). + +When both military base pay and entitlements are entered in DU, DU will attempt to validate the total amount of military income. +In other words, DU will not separately validate military base pay from entitlements. When military income is validated, the lender +is not required to obtain the borrower’s military Leave and Earnings Statement (LES) to document income. + +When the DU validation service identifies an eligible military income stream, DU will attempt to validate employment by matching +the name of the military employer in DU with known military employer names (e.g., U.S. Army). When military employment is not +validated by DU (e.g., military employer name is not entered in DU), the lender may continue to verify employment using a written +or verbal verification of employment (verbal VOE), a military Leave and Earnings Statement dated within 120 calendar days prior +to the note date, or a verification of employment through the Defense Manpower Data Center. See Selling Guide B3-3.1-07 for +information on verbal VOE. diff --git a/chunks/txt/5407f852953889ca9a543f82ee075f83586abca0a0eee503b5533c3bf981548f.txt b/chunks/txt/5407f852953889ca9a543f82ee075f83586abca0a0eee503b5533c3bf981548f.txt new file mode 100644 index 0000000000000000000000000000000000000000..2764be0bcca3acd52c7e3334f114888ec79cdd19 --- /dev/null +++ b/chunks/txt/5407f852953889ca9a543f82ee075f83586abca0a0eee503b5533c3bf981548f.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16966","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e.txt b/chunks/txt/540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..27cee10e7d8c7970a45313a44781c3428e28e4db --- /dev/null +++ b/chunks/txt/540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e.txt @@ -0,0 +1,52 @@ +Lien Status: Lien Status is a modified + +HMDA data element that indicates +whether the loan is Secured by a First +Lien, or Secured by a Subordinate +Lien.83 The current PUDB Single-Family +Census Tract File discloses Lien Status +without modification, in conformance +with the CFPB Privacy Guidance.84 Lien +Status will continue to be disclosed in +this File without modification. + +Loan Purpose (Purchase, Refinancing, +and Home Improvement): Loan Purpose +is a modified HMDA data element that +indicates whether the loan was for +Purchase, Refinancing, Cash-Out +Refinancing, Home Improvement, or +Other.85 The Loan Purpose values for +Purchase, Refinancing, and Home +Improvement are disclosed in the +current PUDB Single-Family Census +Tract File without modification and will +continue to be disclosed in this manner +in the Census Tract File, in conformance +with the CFPB Privacy Guidance.86 As +discussed above in Section II.B.1, the +new Cash-Out Refinancing value will be +added to the PUDB. + +3. HMDA Single-Family Data Elements +Excluded From the PUDB Due to Data +Quality Questions + +FHFA has identified several new +HMDA single-family data elements in +recently updated Enterprise single- +family loan seller data collections. They +include data elements drawn from the +Enterprises’ Uniform Closing Datasets + +80 See FHFA 2010 Order, 75 FR at 41186. +81 12 CFR 1003.4(a)(13). A HOEPA loan is a loan + +subject to the Home Ownership and Equity +Protection Act of 1994, as implemented by +Regulation Z, 12 CFR 1026.32, by reason of its +interest rate or its points and fees. The Enterprises +purchase very few such loans. + +82 84 FR at 656. +83 12 CFR 1003.4(a)(14). The CFPB modified this diff --git a/chunks/txt/541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a.txt b/chunks/txt/541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a.txt new file mode 100644 index 0000000000000000000000000000000000000000..4cd0820bfd7ac6390ceb1cd8005c2103f5d299c5 --- /dev/null +++ b/chunks/txt/541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a.txt @@ -0,0 +1,98 @@ +If field 1-93 (Site Zoning Compliance +Type = 'Nonconforming') is indicated, +then one and only one of fields 1-94 +and 1-95 (values of Site Zoning Permit +Rebuild To Current Density Indicator) +should be indicated. + +One and only one of fields 1-92, 1-93, +1-96, 1-97 (values of Site Zoning +Compliance Type) should be indicated. +One and only one of fields 1-92, 1-93, +1-96, 1-97 (values of Site Zoning +Compliance Type) should be indicated. + +This field should be populated if field 1- +97 (Site Zoning Compliance Type = +'Illegal') is indicated. + +One and only one of fields 1-99, 1-100 +(values of Highest and Best Use +Indicator) should be indicated. + +One and only one of fields 1-99, 1-100 +(values of Highest and Best Use +Indicator) should be indicated. + +This field should be populated if field 1- +100 (Highest and Best indicator = 'N') +is indicated. + +If utilities are present, at least one of +fields 1-102, 1-103 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-104 +(Site Utility Non Public Description). + +If utilities are present, at least one of +fields 1-102, 1-103 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-104 +(Site Utility Non Public Description). + +If field 1-103 (Site Utility Non Public +Indicator) is indicated, this field is +required. If no utilities are present +'None' must be populated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T diff --git a/chunks/txt/542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d.txt b/chunks/txt/542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d.txt new file mode 100644 index 0000000000000000000000000000000000000000..843a7849b3b6e14cb22690042a09adcf2ef2a200 --- /dev/null +++ b/chunks/txt/542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d.txt @@ -0,0 +1,63 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Bas +ementArea']/@_Amount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DETAIL_EXTENSION/CO +MPARISON_DETAIL_EXTENSION_SECTIO +N[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBelowGradeRecreationRoomCou +nt + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DETAIL_EXTENSION/CO +MPARISON_DETAIL_EXTENSION_SECTIO +N[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBelowGradeBedroomRoomCount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The appraisal report must indicate the square footage in whole numbers only, +no commas. If there is no basement, a value of zero (0) must be entered. + +5 + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Square footage, numeric, to 5-digits: 12345 + +R + +R + +R + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The appraisal report must indicate the finished square footage in whole +numbers only, no commas. If 0% finished, a value of zero (0) must be entered. + +5 + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if the value of field e-18 +(GSE Below Grade Total Square Feet +Number) is greater than zero. diff --git a/chunks/txt/542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49.txt b/chunks/txt/542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49.txt new file mode 100644 index 0000000000000000000000000000000000000000..77c8b6e5861adbf811cab3098026fbeb69f862a2 --- /dev/null +++ b/chunks/txt/542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49.txt @@ -0,0 +1,108 @@ +Appendix F-1: URAR Reference Guide + +Page 147 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +11 Functional Obsolescence + +11 Functional Obsolescence + +The Functional Obsolescence section always displays, and provides information about any functional issues for +the property, as well as space for additional commentary and exhibits. + +Example: + +Functional Obsolescence + +Report +Field ID + +Report Label + +When to Include + +11.000 + +Functional Issues Always required + +Allowable +Answers / Format + +Choose one or +more allowable +answer from table +(Functional Issues) + +Definition / Additional Guidance + +None +Ceiling Height +Floor Plan +Nonconformity +Overimprovement +Underimprovement +Other (Describe) + +Functional Issue: An apparent functional issue observed. +• +• +• +• +• +• +• +Notes: +• + +If functional issues are identified, describe the issue and the impact to +value and marketability in Functional Obsolescence Commentary. +Photo(s) may be provided, which display in Functional Obsolescence +Exhibits. + +• + +11.001 + +Functional +Obsolescence +Commentary + +If there are functional +issues, or if relevant + +Free-form + +Commentary could include information pertinent to the Functional +Obsolescence section that is not captured in the discrete data, or additional +details to support the discrete data that is provided. + +Appendix F-1: URAR Reference Guide + +Page 148 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +11 Functional Obsolescence + +Allowable Answer + +Definition / Additional Guidance + +Functional Issues (Choose all that apply) + +None + +Ceiling Height + +Floor Plan + +Nonconformity + +Overimprovement + +Select None if there were no functional issues observed by the appraiser. diff --git a/chunks/txt/543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5.txt b/chunks/txt/543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5.txt new file mode 100644 index 0000000000000000000000000000000000000000..8a672d8115adc7b58a3c7277d624b177d9ad39ae --- /dev/null +++ b/chunks/txt/543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5.txt @@ -0,0 +1,28 @@ +Change to PE - Whole Loan Browse Price screen + +Integration Impact Memo + +July 29, 2022 + +We are making a change to the Browse Price screen in Pricing & Execution - Whole Loan® (PE - Whole Loan®) to ensure + +all priced rates are displayed on one screen. The B2B Browse Price functionality will be impacted as well. The number + +of available rows will no longer be restricted to 25 rows per product grid and the number of pricing rows returned may + +vary by product. These changes are now available in our test environment. + +Please use the following endpoints for testing: + +• Browse Price: https://api-clve.fanniemae.com/soap/BrowsePriceB2BService + +• Commitment: https://api-clve.fanniemae.com/soap/CommitmentB2BService + +We anticipate this change will be available in production in 4-6 weeks, based on lender feedback, and will +communicate the exact date two weeks in advance. + +Please send feedback and questions to the PE - Whole Loan Integration team. + +© 2022 Fannie Mae + +August 2022 Page 1 of 1 diff --git a/chunks/txt/5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9.txt b/chunks/txt/5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9.txt new file mode 100644 index 0000000000000000000000000000000000000000..b37a289ab7a5acc40d52a1c052af50ccde1d2a24 --- /dev/null +++ b/chunks/txt/5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9.txt @@ -0,0 +1,105 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@_HeatingCoolingMet +eredSeparatelyIndicator='Y'] + +UAD Requirement - Refer to Appendix D Improvments Section +Specify Above Grade Gross Living Area Only +Gross Living Area (GLA) must be reported in square feet. + +PDF Display Format: +Whole Numbers only. + +5 + +1 + +1 + +Numeric + +Boolean + +Boolean + +287 + +288 + +2 + +2 + +85 + +86 + +UNIT +DESCRIPTION + +UNIT +DESCRIPTION + +Are the heating and cooling for +the individual units separately +metered? +No + +Structure Heating +Cooling Metered +Separately +Indicator + +Are the heating and cooling for +the individual units separately +metered? +If No, describe and comment on +compatibility to other projects in +the market area. + +Structure Heating +Cooling Metered +Separately +Description + +Indicates that individual units are capable +of measuring and billing their heating and +cooling utility use separately. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@_HeatingCoolingMet +eredSeparatelyIndicator='N'] + +A free-form text field used to detail how +the Heating and Cooling utility use is +metered separately per unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@_HeatingCoolingMet +eredSeparatelyDescription + +4000 + +String + +This field should contain a description of comparability to other projects in the market +area. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +289 + +2 + +87 + +UNIT +DESCRIPTION + +Additional features (special +energy efficient items, etc.) + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. diff --git a/chunks/txt/5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b.txt b/chunks/txt/5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae752129d534330ab8b35e379b1e0b9aaf23102e --- /dev/null +++ b/chunks/txt/5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b.txt @@ -0,0 +1,38 @@ +September 28, 2018 + +## [Oversight of Third-Party Provider Relationships](/advisory-bulletin/ab-2018-08) + - Federal Home Loan Banks, Fannie Mae, Freddie Mac + +September 28, 2018 + +## [Interest Rate Risk Management](/advisory-bulletin/ab-2018-09) + - Federal Home Loan Banks + +August 27, 2018 + +## [Federal Home Loan Bank Liquidity Guidance](/advisory-bulletin/ab-2018-07) + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [Next](?page=1) + - [Last](?page=2) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4.txt b/chunks/txt/5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2d0bfe83664fb70490206964d0053451e900b89 --- /dev/null +++ b/chunks/txt/5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4.txt @@ -0,0 +1,48 @@ +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Data Fields Specific to the Risk Scores and Representation and Warranty Eligibility + +Field Name + +Definition / Description + +Document Status + +Status of the appraisal report document associated with a property. The +status is determined by the results of all document validations; if no fatal +severity findings are fired, status is "Successful"; if fatal severity findings +are fired, status is "Not Successful." + +Fannie Mae Value Rep +and Warrant Relief + +Fannie Mae indicator of whether the submitted document is eligible for +representation and warranty relief. + +Fannie Mae Risk Score + +Fannie Mae score from 1.0 to 5.0 that represents the overall risk as +determined by Collateral Underwriter (CU). + +Freddie Mac Collateral +Rep and Warranty +Relief + +Freddie Mac Risk +Score + +Freddie Mac collateral representation and warranty relief eligibility +corresponds to an appraisal report with a risk score of 2.5 or lower. + +Freddie Mac Loan Collateral Advisor Risk Score is real-time risk score that +provides a view of overvaluation risk associated with an appraisal report. +The scoring scale is between 1 and 5 in 0.5 increments with 1 representing +the lowest risk of overvaluation and 5 representing the highest risk of +overvaluation. Appraisals reports that are well aligned, or below the HVE +point value, are considered to have a lower risk of overvaluation and, +therefore, exhibit lower risk scores. + +Appears on +[FNM, FRE, Both] * +Both diff --git a/chunks/txt/5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e.txt b/chunks/txt/5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e.txt new file mode 100644 index 0000000000000000000000000000000000000000..5b38434ee83afe4441c10cf4792de6aec33e8958 --- /dev/null +++ b/chunks/txt/5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e.txt @@ -0,0 +1,7 @@ +Supervisory Appraiser Certifications (H1) ........................................................................................................... 79 + +Signature (H1) ..................................................................................................................................................... 79 + +Part 3. Restricted Appraisal Update Report ....................................................................................................... 80 + +Overview ....................................................................................................................................................... 80 diff --git a/chunks/txt/5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3.txt b/chunks/txt/5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3.txt new file mode 100644 index 0000000000000000000000000000000000000000..10ca0a25bfe57076a371cc6ecad4e625135fb521 --- /dev/null +++ b/chunks/txt/5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3.txt @@ -0,0 +1,99 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='PropertyRights']/@_Description + +341 + +3 + +24 + +SALES +COMPARISON +APPROACH + +HOA Mo. Assessment + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='MonthlyFacilityFee']/@_Description + +342 + +343 + +344 + +3 + +3 + +3 + +25 + +26 + +27 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Common Elements + +and Rec. Facilities + +Floor Location + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='CommonElements']/@_Description + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='RecreationFacilities']/@_Description diff --git a/chunks/txt/547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0.txt b/chunks/txt/547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2ba294c8f92cbc3aa75e1867bb881400f5f5b24 --- /dev/null +++ b/chunks/txt/547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0.txt @@ -0,0 +1,75 @@ +H2 + +Additional Scope of Work + +TXC-I + +Additional Scope of Work cannot be contrary to the original Scope of Work. + +TXC + +H1 + +Intended Use + +TXC + +TXC + +The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction or related activities. + +The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage +(24 CFR § 200.145(b)). + +H2 + +Additional Intended Use + +TXC-I + +Additional Intended Use cannot be contrary to the original Intended Use. + +TXC + +H1 + +Intended User + +TXC + +The intended user of this report is the lender/client. + +FHA and the Mortgagee are the intended users of this report. + +The USDA and any other identified lender/client are intended users of this report. + +TXC + +The VA is also an intended user of this report. + +H2 + +Additional Intended Users + +TXC-I + +Additional Intended Users cannot be contrary to the original Intended User. + +TXC + +H1 + +Definition of Market Value + +TXC + +FN + +The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the +buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition +is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller +are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best +interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of +financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special +or creative financing or sales concessions* granted by anyone associated with the sale. diff --git a/chunks/txt/547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638.txt b/chunks/txt/547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638.txt new file mode 100644 index 0000000000000000000000000000000000000000..c68128ca21578d6d7b2b1327e26af20da6284d28 --- /dev/null +++ b/chunks/txt/547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638.txt @@ -0,0 +1,12 @@ +Release Support + +The DU validation service changes will be implemented in the DU integration environment on or about July 17, 2024. Integration +partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation. + +If you have questions about the Integration Impact Memo or if you require support specific to this release, contact Integration +Support. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae +representative. + +© 2024 Fannie Mae + +6.18.24 Page 2 of 2 diff --git a/chunks/txt/548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4.txt b/chunks/txt/548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4.txt new file mode 100644 index 0000000000000000000000000000000000000000..5149c99f84d0c71eb82f332b8f23e80466815a26 --- /dev/null +++ b/chunks/txt/548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4.txt @@ -0,0 +1,7 @@ +Sales Comparison Approach Table ..................................................................................................................... 59 + +Reconciliation of Sales Comparison Approach (H1) ........................................................................................... 64 + +Additional Properties Analyzed Not Used (H1) .................................................................................................. 64 + +Sales Comparison Map (H1) ................................................................................................................................ 64 diff --git a/chunks/txt/5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6.txt b/chunks/txt/5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..0da52d9859897b0e2730e701d23c3c8a832e4335 --- /dev/null +++ b/chunks/txt/5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6.txt @@ -0,0 +1,177 @@ +Sales Concession +Description + +A free-form text field used to describe +sales concessions granted by an +interested party. + +/VALUATION_RESPONSE/PROPERTY/SAL +ES_CONTRACT/@SalesConcessionDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. Separate with a semicolon. + +This field is required if field 1-49 is indicated. + +CR + +CR + +CR + +UAD Requirement - Refer to Appendix D Contract Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +52 + +NEIGHBORHOOD + +53 + +NEIGHBORHOOD + +54 + +NEIGHBORHOOD + +55 + +NEIGHBORHOOD + +56 + +NEIGHBORHOOD + +Location +Urban + +Location +Suburban + +Location +Rural + +Built-Up +Over 75% + +Built-Up +25-75% + +Property +Neighborhood +Location Type +Property +Neighborhood +Location Type +Property +Neighborhood +Location Type + +Neighborhood +Builtup Range Type + +Neighborhood +Builtup Range Type + +57 + +NEIGHBORHOOD + +Built-Up +Under 25% + +Neighborhood +Builtup Range Type + +58 + +NEIGHBORHOOD + +59 + +NEIGHBORHOOD + +60 + +NEIGHBORHOOD + +61 + +NEIGHBORHOOD + +62 + +NEIGHBORHOOD + +63 + +NEIGHBORHOOD + +Growth +Rapid + +Growth +Stable + +Growth +Slow + +Property Values +Increasing + +Property Values +Stable + +Property Values +Declining + +Neighborhood +Growth Pace Type + +Neighborhood +Growth Pace Type + +Neighborhood +Growth Pace Type + +Neighborhood +Property Value Trend +Type +Neighborhood +Property Value Trend +Type +Neighborhood +Property Value Trend +Type + +64 + +NEIGHBORHOOD + +Demand/Supply +Shortage + +Neighborhood +Demand Supply Type + +65 + +NEIGHBORHOOD + +Demand/Supply +In Balance + +Neighborhood +Demand Supply Type + +66 + +NEIGHBORHOOD + +Demand/Supply +Over Supply diff --git a/chunks/txt/548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df.txt b/chunks/txt/548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2f39a393366fcc61f5cea052348176fe5e52273 --- /dev/null +++ b/chunks/txt/548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df.txt @@ -0,0 +1,76 @@ +First + +5.0 + +5.0 + +2015-02-01 + +PerChangeRateAdjust +mentFrequencyMonth +sCount + +The number of months between rate +adjustments, if the interest rate on the subject +loan can change. + +12 + +Notes: The first instance of the + +INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE captures the +interest rate caps for the intitial adjustment period (the “5” of 5/2/6), +which begins five years after the note date at the conclusion of the +fixed rate period, and remains in effect for one year. + +INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE—Instance #2 + +Data Point + +AdjustmentRuleType + +PerChangeMaximumDecreaseRatePercent + +PerChangeMaximumIncreaseRatePercent + +PerChangeRateAdjustmentEffectiveDate + +PerChangeRateAdjustmentFrequencyMonthsCount + +Notes: The second instance of the + +Valid Value + +Subsequent + +2.0 + +2.0 + +2016-02-01 + +12 + +INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE captures the +interest rate caps for all subsequent adjustment periods (the “2” of +5/2/6). This rule becomes effective at the conclusion of the initial +adjustment period. It is applied annually thereafter and stays in effect +for the remaining life of the loan. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 47 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +The “Subsequent” PERIODIC_ADJUSTMENT_RULE consists of instructions governing +the periodic base rates that follow the initial base rate. It provides instructions for +establishment, duration, and use of all following periodic base rates. + +b. Adjustable Payment Loans. When the AdjustmentRuleType = “First,” the +PERIODIC_ADJUSTMENT_RULE consists of instructions governing the first recast period +for negatively amortizing loans, as well as the annual payment increase cap. The +“Subsequent” PERIODIC_ADJUSTMENT_RULE consists of instructions governing +subsequent recast periods. diff --git a/chunks/txt/548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5.txt b/chunks/txt/548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..aaf37e539fe67baa2c0bf9df6e49dbfab6bdf8d2 --- /dev/null +++ b/chunks/txt/548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5.txt @@ -0,0 +1,5 @@ +Client Requested Conditions .................................................................................................................................................................................................... 351 + +Reconciliation of Market Value ................................................................................................................................................................................................ 352 + +Apparent Defects, Damages, Deficiencies ................................................................................................................................................................................ 352 diff --git a/chunks/txt/5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f.txt b/chunks/txt/5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd32e054639c76703093726302f3bf313a974972 --- /dev/null +++ b/chunks/txt/5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f.txt @@ -0,0 +1,17 @@ +5. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in +question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +6. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, etc.) that he or she became aware of during the research involved +in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any +hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed +repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) +that would make the property less valuable, and has assumed that there are no such conditions and makes no +guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do +exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the +appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an +environmental assessment of the property. + +7. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to +satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the +subject property will be performed in a professional manner. diff --git a/chunks/txt/549466c5f4343cac51a0f6a4a174e30fc7d6fd236eb54584a8db6d4b0b7b1c3c.txt b/chunks/txt/549466c5f4343cac51a0f6a4a174e30fc7d6fd236eb54584a8db6d4b0b7b1c3c.txt new file mode 100644 index 0000000000000000000000000000000000000000..899d82e782be705b13694599bb5fa2e5135be8d3 --- /dev/null +++ b/chunks/txt/549466c5f4343cac51a0f6a4a174e30fc7d6fd236eb54584a8db6d4b0b7b1c3c.txt @@ -0,0 +1,23 @@ +Jane + +Doe + +PropertySeller + +PropertyOwner + +Valuation + +2019-09-08 + +\\SF4_Appraisal_v1.3.pdf + +application/pdf + +1 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/5494f762868b4aaca0ba3bfa09f0041fbd561866eef85114e0db20ba5441b1d1.txt b/chunks/txt/5494f762868b4aaca0ba3bfa09f0041fbd561866eef85114e0db20ba5441b1d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ac4f5877b242adffb02efdf4865d1e7f6ba67f5 --- /dev/null +++ b/chunks/txt/5494f762868b4aaca0ba3bfa09f0041fbd561866eef85114e0db20ba5441b1d1.txt @@ -0,0 +1,56 @@ +UCD v2.0 Specification Quick Start Guide + +December 15, 2025 + +Purpose +This Quick Start Guide identifies and describes modifications that may be the most impactful as you prepare for necessary updates and testing to adopt Fannie +Mae and Freddie Mac’s (the GSEs’) new Uniform Closing Dataset (UCD) v2.0 Specification (UCD v2.0). Please be sure to review the full UCD v2.0 to understand +the complete scope of changes that affect your processes and systems. + +Transitioning to the UCD v2.0 +The GSEs are providing a long transition period for adoption of the UCD v2.0. During the transition period, loan sellers must submit UCD XML files conforming to +EITHER UCD v1.5 OR UCD v2.0. In order to achieve a successful UCD v2.0 submission, all data requirements in the updated Specification must be met. + +Change + +Description + +Potential Impact + +Identify UCD v2.0 +XML files during the +transition period: +DataVersionIdentifier + +▪ DataVersionIdentifier has been added + +to the top of the UCD XML file to +identify that the file is based on the +UCD v2.0. + +▪ A value of “UCD2.0” must be provided + +to indicate to the UCD collection +solutions that the file is based on UCD +v2.0 requirements. + +▪ The DataVersionIdentifier must be added to +the MESSAGE container at the top of the +UCD XML file and set to a value of ‘UCD2.0’ +to indicate the UCD v2.0 is being used for the +submission. + +▪ The DataVersionIdentifier must be provided +with a value of ‘UCD2.0’ as of the UCD v2.0 +Mandate and will be enforced by Critical/Fatal +edits. + +Additional +Information + +▪ UCD v2.0 Tab 7 - +UCD v2.0, Unique +Identifier (UID) +0.071. + +▪ UCD v2.0 Critical diff --git a/chunks/txt/54954331c231dfcf37c1ce92cc08d471dbb28905d585187c6a52ea021389d865.txt b/chunks/txt/54954331c231dfcf37c1ce92cc08d471dbb28905d585187c6a52ea021389d865.txt new file mode 100644 index 0000000000000000000000000000000000000000..77c6246b849a98a6e8e35cfee6fb35d09613751c --- /dev/null +++ b/chunks/txt/54954331c231dfcf37c1ce92cc08d471dbb28905d585187c6a52ea021389d865.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17776","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/549e1fe56c0459c6453a5d99680690809586f0276bf65567d21e64a7b9f06d8b.txt b/chunks/txt/549e1fe56c0459c6453a5d99680690809586f0276bf65567d21e64a7b9f06d8b.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e221df8ef307ae69ed2bf13a82a03850df56b61 --- /dev/null +++ b/chunks/txt/549e1fe56c0459c6453a5d99680690809586f0276bf65567d21e64a7b9f06d8b.txt @@ -0,0 +1,147 @@ +Overall Quality +Overall Condition + +Q4 +C4 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +1 +Leasehold + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123 + +Uniform Residential Appraisal Report + +Page 2 of 22 +Page 2 of 22 + +NEW PG! + +Assignment Information + +Assignment Reason +Borrower Name + +Seller Name +Current Owner of Public Record + +Purchase +Bob Borrower +Betty Borrower +Jane Doe +Jane Doe + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee + +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company + +Company Name + +Company Address + +Appraiser + +Name +Company Name +Company Address + +Empty Bank +200 Tree St +Somewhere, VA 12345 + +IDK Appraisal Management +Company +300 Main Ave +Somewhere, VA 12345 + +Agatha Appraiser +XYZ Appraisals +123 Main St +Nowhere, VA 12345 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +09/08/2019 + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +5419-2123.4 +VA +04/30/2022 + +Certified Residential +XYZ12345 +VA +12/31/2019 + +Subject Property diff --git a/chunks/txt/54cafb3b2528549c1e3893b1adebdb5506054e609a30d1e4d517ae64d9f5f3eb.txt b/chunks/txt/54cafb3b2528549c1e3893b1adebdb5506054e609a30d1e4d517ae64d9f5f3eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..fdddb941cc0c8004ad2216428d83797ab137d212 --- /dev/null +++ b/chunks/txt/54cafb3b2528549c1e3893b1adebdb5506054e609a30d1e4d517ae64d9f5f3eb.txt @@ -0,0 +1,105 @@ +04 Assignment Information + +The Assignment Information section provides information about the entities involved in the appraisal and work completed by the appraiser and other +parties. The section provides space for commentary to be provided. + +Page 17 + +The Assignment Information section always displays. + +Page 18 + +Appraiser Fee and AMC Fee + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Restricted Appraisal Update Report: Assignment Information + +Borrower Name + +1000.0140 PartyRoleType + +1000.0138 + +FirstName + +1000.0176 + +MiddleName + +When borrower is not provided, do not display report label +Borrowers may be individuals or legal entities + +Display when PartyRoleType = “Borrower” and is an individual + +Display when the borrower is an individual + +Display when the borrower is an individual and MiddleName is +provided + +04.001 + +Borrower Name + +1000.0139 + +LastName + +Display when the borrower is an individual + +1000.0177 + +SuffixName + +1000.0105 PartyRoleType + +1000.0141 + +FullName + +Appraiser Fee + +04.002 + +Appraiser Fee + +1000.0163 ProvidedServiceActualCostAmount + +AMC Fee + +04.003 + +AMC Fee + +1000.0135 ProvidedServiceActualCostAmount + +04.003 + +AMC Fee + +1000.0155 ProvidedServiceActualCostAmount + +Government Agency + +04.004 + +Government Agency 1000.0121 GovernmentAgencyAppraisalType + +Display when the borrower is an individual and SuffixName is +provided + +Display when PartyRoleType = “Borrower” and is a legal entity + +Display when the borrower is a legal entity + +When not provided, do not display report label + +Display when FeeType (UID: 1000.0162, FID: Not on report) = +“AppraisalFee” AND Exists diff --git a/chunks/txt/54cd857955d1aa685993978726ac24f831db9111018ffa9e8441706cf4b73652.txt b/chunks/txt/54cd857955d1aa685993978726ac24f831db9111018ffa9e8441706cf4b73652.txt new file mode 100644 index 0000000000000000000000000000000000000000..05aba0ac5aabf2dcf730c33ce54121700235ba22 --- /dev/null +++ b/chunks/txt/54cd857955d1aa685993978726ac24f831db9111018ffa9e8441706cf4b73652.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/fhlb-membership" +date_accessed: "2026-01-27T17:54:20.600Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/54cff9b1fe1c58a82ed8205000dd7f4e2359b518c053f6985a1f29c6292b7e06.txt b/chunks/txt/54cff9b1fe1c58a82ed8205000dd7f4e2359b518c053f6985a1f29c6292b7e06.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2cf6887bfd95a5d363c3c4f4826d5911c957476 --- /dev/null +++ b/chunks/txt/54cff9b1fe1c58a82ed8205000dd7f4e2359b518c053f6985a1f29c6292b7e06.txt @@ -0,0 +1,149 @@ +ComparableRental + +The rental comps support estimated rents for the subject. + +OverallQualityAndCondition + +The Overall Quality and Condition matches both the Exterior and Interior Quality and Condition, given that both exterior and interior are the same age. + +SubjectPriorSalesAndTransferHistory + +Built in 2014 and has consistently had one owner in that time frame. + +ComparablesPriorSalesAndTransferHistory + +None of the comparables utilized in the report have had any additional transfers in the past 12 months. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2023-05-01 + +60 + +30 + +ReasonableExposureTime + +785000 + +false + +8238420 + +false + +Other + +Not Applicable due to property type + +false + +false + +true + +URAR Delivery Specification v1.3 + +InteriorAndExterior + +MYAPP + +Some Appraisal Creator + +11.2.1 + +Nowhere Technologies + +Big Bank of Texas + +712 Tex Bank Dr + +Anyplace + +01234 + +TX + +Lender + +Client + +IDK Appraisal Management Company + +1515 Ranch St + +Anyplace + +01234 + +TX + +AppraisalManagementCompanyFee + +0 + +2024-12-31 + +ABCD1234 + +TX + +ManagementCompany + +John + +Appraiser + +P. + +1621 Cattle Drive Ln + +Anyplace + +01234 + +TX + +XYZ Appraisal Company + +CertifiedResidential + +2024-12-31 + +1234ABCD + +TX + +Appraiser + +AppraisalFee + +0 + +John + +Seller + +Borrower + +PropertyOwner + +Valuation + +2023-05-04 + +\\2-to4-unit_Scenario_2_Appraisal_v1.1.pdf + +application/pdf + +1 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/54d186b82fe1d561709fe1e26fcfc175e8332b052797b219cef9f2a8cc4bbbce.txt b/chunks/txt/54d186b82fe1d561709fe1e26fcfc175e8332b052797b219cef9f2a8cc4bbbce.txt new file mode 100644 index 0000000000000000000000000000000000000000..620e83b443f9eee1267a6f74b517b8a9c9095bfb --- /dev/null +++ b/chunks/txt/54d186b82fe1d561709fe1e26fcfc175e8332b052797b219cef9f2a8cc4bbbce.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/affordable-housing" +date_accessed: "2026-01-27T17:47:56.574Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd.txt b/chunks/txt/54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d5c4f149e8637e775bd1b2fb6cde65907eb58ee --- /dev/null +++ b/chunks/txt/54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd.txt @@ -0,0 +1,13 @@ +See FHFA’s FY23 natural disaster-related activities and plans for FY24 within FHFA’s [2023 Performance and Accountability Report](/document/fhfa-2023-par.pdf). + +See FHFA’s natural disaster-related activities in 2023, 2022, and 2021 within FHFA’s [2023 Annual Report to Congress](/document/fhfa-2023-annual-report-to-congress), [2022 Annual Report to Congress](/AboutUs/Reports/ReportDocuments/FHFA-2022-Annual-Report-to-Congress.pdf), and [2021 Annual Report to Congress](/document/fhfa-2021-annual-report-to-congress), respectively. + +See FHFA’s FY22 natural disaster-related activities and plans for FY23 within FHFA’s [2022 Performance and Accountability Report](/document/performance-and-accountability-report-2022). + +## **Public Engagements** + +On March 13, 2024, the FHFA Multifamily team hosted a Multifamily Insurance Symposium. The symposium included sessions on insurance market risks and challenges, insurance and affordability, emerging solutions, and the Enterprises’ and HUD’s perspectives on insurance market challenges. + +On November 14 and 15, 2023, the FHFA Single-Family team hosted a Single-Family Insurance Symposium. Day One included sessions on insurance commissioner perspectives, implications of growth in residual insurance markets, insurance industry perspectives, and the homeownership experience. Day Two included sessions on strengthening community resilience and insurability, empowering communities with information, wildfire solutions, building resilience across sectors, building codes and standards, and consumer perspectives. + +## **Mortgage Loan and Natural Disaster Dashboard** diff --git a/chunks/txt/54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e.txt b/chunks/txt/54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b700ca2d154bfc22886bb618dfc5f61042c3b86 --- /dev/null +++ b/chunks/txt/54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e.txt @@ -0,0 +1,30 @@ +##### Pricing & Execution – Whole Loan Technology Service Providers List + +- [Pricing & Execution – Whole Loan Technology Service Providers List](/integrated-vendor-list) + +Servicing Management Default Underwriter (SMDU) + +##### Data Standards Supporting Resources + +- [SMDU Case Management Guide](/media/document/pdf/smdu-case-management-guide) + - [SMDU Auto Decisioning Guide](/media/document/pdf/smdu-auto-decisioning-guide) + - [SMDU Message File Instructions](/media/document/xlsx/smdu-message-file-instructions) + - [SMDU Connectivity and Request Specification](/media/document/pdf/smdu-connectivity-and-request-specification) + +##### Integration Impact Memos + +- [SMDU Release 7.72 Impact Memo](/media/document/pdf/smdu-release-772-impact-memo) + - [SMDU Release 7.70 Impact Memo](/media/document/pdf/smdu-release-770-impact-memo) + - [SMDU Release 7.69 Impact Memo](/media/document/pdf/smdu-release-769-impact-memo) + - [SMDU Release 7.68 Impact Memo](/media/document/pdf/smdu-release-768-impact-memo) + - [SMDU Release 7.67 Impact Memo](/media/document/pdf/smdu-release-767-impact-memo) + - [SMDU Release 7.66 Impact Memo](/media/document/pdf/smdu-release-766-impact-memo) + +##### Release Notes + +- [Servicing Management Default Underwriter (SMDU)](https://singlefamily.fanniemae.com/applications-technology/servicing-management-default-underwriter-smdu) + +##### Test Cases + +- [SMDU 7.72 Test Cases](/media/document/xlsx/smdu-772-test-cases) + - [Test Environment Calendar](/media/document/xlsx/test-environment-calendar) diff --git a/chunks/txt/54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84.txt b/chunks/txt/54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84.txt new file mode 100644 index 0000000000000000000000000000000000000000..49976f0efa13931c152dccb1d6df2ebfdd8b247f --- /dev/null +++ b/chunks/txt/54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84.txt @@ -0,0 +1,73 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Contract Section + +Explain the results of the analysis of the contract for sale or why the analysis was not +performed. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +R + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only +one of fields 1-42, 1-43 (values of Sales +Contract Reviewed Indicator) must be +indicated +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only +one of fields 1-42, 1-43 (values of Sales +Contract Reviewed Indicator) must be +indicated + +This field must be populated if field 1-33 +(Appraisal Purpose Type = 'Purchase') is +indicated. + +This field must be populated if field 1-33 +(Appraisal Purpose Type = 'Purchase') is +indicated. + +This field is required if field 1-33 (Appraisal +Purpose Type = 'Purchase') is indicated. + +This field is required if field 1-33 (Appraisal +Purpose Type = 'Purchase') is indicated. + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only +one of fields 1-47, 1-48 must be indicated. +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only +one of fields 1-47, 1-48 must be indicated. +This field should be populated if field 1-33 +(Appraisal Purpose Type = 'Purchase') is +indicated. + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only +one of fields 1-50, 1-51 (values of Sales +Concession Indicator) must be indicated. diff --git a/chunks/txt/54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205.txt b/chunks/txt/54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205.txt new file mode 100644 index 0000000000000000000000000000000000000000..52abd25f35c8bf7fbb001dbd851e89cd846f76d9 --- /dev/null +++ b/chunks/txt/54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205.txt @@ -0,0 +1,3 @@ +© 2024 Fannie Mae 05.28.24 + +2 of 2 diff --git a/chunks/txt/54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584.txt b/chunks/txt/54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584.txt new file mode 100644 index 0000000000000000000000000000000000000000..7898ee3fe3c36c4887fd24485319080be6c61693 --- /dev/null +++ b/chunks/txt/54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584.txt @@ -0,0 +1,115 @@ +Contact Information: Significant Real Property Appraisal Assistance + +Report +Field ID + +Report Label + +When to Include + +2.047 + +Name + +Required for each +person providing +significant real +property appraisal +assistance + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +The full name of the person providing significant real property appraisal +assistance. +Note: At a minimum, first and last name must be provided. + +Appendix F-1: URAR Reference Guide + +Page 42 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +Contact Information: Significant Real Property Appraisal Assistance + +Report +Field ID + +Report Label + +When to Include + +2.049 + +Level + +Required for each +person providing +significant real +property appraisal +assistance + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Credential Type +• + +None (includes noncredentialled appraiser trainees or jurisdictions that +don’t provide credentials to appraiser trainees) +Certified General +Certified Residential +Licensed Residential +Trainee Appraiser (appraiser trainees with an issued credential, also +referred to as Registered Trainee) +Other (Describe) + +• +• +• +• + +• + +2.050 + +ID + +Required if Credential +Type is not None + +Free-form + +The credential as reported by the state or ASC, if applicable. +Note: Do not include state in the ID field unless it is part of the credential +number as reported on the ASC National Registry. + +2.051 + +State + +Required if Credential +Type is not None + +2-letter USPS state +code + +State credential that applies to the assignment, commonly referred to as the +“credentialling state”. diff --git a/chunks/txt/55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208.txt b/chunks/txt/55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208.txt new file mode 100644 index 0000000000000000000000000000000000000000..24168d4c796cf2d1ba18ca731935966874dcda8f --- /dev/null +++ b/chunks/txt/55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208.txt @@ -0,0 +1,23 @@ + ModﾠCompleted Date + + Mod Closed Month + Mod Disaster Indicator + Mod Advanced Principal Reimbursement Amount + Mod Advanced Interest Reimbursement Amount + Mod Payment Effective Date + +Defect Remediation + +One defect will be remediated with this release improving system usability. Details of the +correction are as follows: + +© 2019 Fannie Mae. Trademarks of Fannie Mae. 1 of 2 + +Payment Search Results not accurate for newly aquired loans – A defect was resolved for the +scenario where a newly aquired loan that had a missing LAR was not showing up in the Payment +(LAR96) Exception Search results. The individual loan data details current LAR tab would show the loan +as missing, but the search reults did not. + +Defects + +© 2019 Fannie Mae. Trademarks of Fannie Mae. 2 of 2 diff --git a/chunks/txt/5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967.txt b/chunks/txt/5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7535ed7504d8adbb679801140b10732d0ee29b7 --- /dev/null +++ b/chunks/txt/5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967.txt @@ -0,0 +1,95 @@ +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Yes No +  +  +  + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +$160,000 +08/25/2019 +Private Sale +No + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions + +No + +Sales Contract Analysis + +This is a FSBO. This transaction is between investors with a contract price below market value. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 14 of 29 +Page 14 of 29 + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +Assessor Record +MLS + +Analysis of Prior Sale and Transfer History of Subject Property My research revealed no prior transactions within the past 3 years. + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +Typically Motivated + +Date +11/20/2018 + +Amount +$275,000 + +Data Source +Assessor Record +MLS + +2 + +3 + +None + +Estate Sale + +11/01/2018 + +Not Disclosed + +Assessor Record +MLS + +Assessor Record +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales The 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. diff --git a/chunks/txt/55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a.txt b/chunks/txt/55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a.txt new file mode 100644 index 0000000000000000000000000000000000000000..418573c4f34e068faa3b815553ed2d03b5d458f2 --- /dev/null +++ b/chunks/txt/55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a.txt @@ -0,0 +1,150 @@ +3.2 Purpose Refinance + +3.3 Product Fixed Rate + +Figure 19. Purpose = “Refinance” + +Table 33. Purpose = “Refinance” + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +3.2 + +Purpose + +…/INTEGRATED_DIS +CLOSURE_DETAIL + +IntegratedDisclosure +HomeEquityLoanIndi +cator + +false + +…/LOAN/LOAN_DET +AIL + +ConstructionLoanInd +icator + +false + +UID +16.015 + +N/A – GSE + +…/LOAN_DETAIL/EX +TENSION/OTHER + +gse:SubordinateFina +ncingIsNewIndicator + +false + +Not shown unless +value = “true” + +Not shown – data +clarity + +Not shown – data +clarity + +Appendix E: UCD Implementation Guide + +Page 50 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3.0 Loan Information + +Table 33. Purpose = “Refinance” + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +UID +3.036 + +UID +3.016 + +N/A-GSE + +N/A – GSE + +…/LOAN/TERMS_OF +_LOAN + +RefinanceSameLend +erIndicator + +false + +LienPriorityType + +FirstLien + +Not shown - +ATR/QM + +Not shown – data +clarity + +3.2 + +Purpose + +LoanPurposeType + +Refinance + +4. CONSTRUCTI ON + +The Purpose of the loan is “Construction” when the transaction: + +1) Does not meet the Regulation’s definition for “Purchase” or “Refinance” + +2) + +3) + +Is to finance only the cost of initial construction (construction-only loan) + +Is for a multiple-advance loan that may be permanently financed by the same creditor (construction-to- +permanent loan) + +3.2 Purpose is NOT “Construction” if the loan is for making renovations to an existing dwelling. + +3.0 Loan Information + +3.1 Loan Term 9 Months + +3.2 Purpose Construction + +3.3 Product 1/1 Adjustable Rate diff --git a/chunks/txt/5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d.txt b/chunks/txt/5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d.txt new file mode 100644 index 0000000000000000000000000000000000000000..54ae44347958ca8717013baa1bb0c7271c722b3f --- /dev/null +++ b/chunks/txt/5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d.txt @@ -0,0 +1,43 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +November Update + +Sept. 24, 2025 + +During the weekend of Nov. 15, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®). Unless specified in +the release notes, the changes will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the +weekend of Nov. 15, 2025. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. Please +review this memo, in addition to the release notes to ensure that your integrated system(s) will be prepared to support this +release. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require +updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may +also require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated +message changes. + +New Messages + +Modified Messages + +Retired Messages + +1 + +15 + +4 + +The draft DU message file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized +subscribers on or around Oct. 1, 2025. The DU message file will also be accessible through Fannie Mae Connect™ for users with +appropriate access. + +Appraisal Messages + +As specified in the release notes, the appraisal messages in DU will be updated to reflect the changes in the Uniform Appraisal +Dataset (UAD) and appraisal forms redesign. The existing messages referencing specific form numbers will be updated to specify +eligibility for a Uniform Residential Appraisal Report. diff --git a/chunks/txt/551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef.txt b/chunks/txt/551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..bdffc5e796dea961a35f942851a59c71d9ad6aae --- /dev/null +++ b/chunks/txt/551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef.txt @@ -0,0 +1,13 @@ +2. Test connectivity in the Integration Environment using the updated IP list. + +3. Once testing is successful, we will coordinate with you to plan the production setup and final connectivity validation. + +Note: If your systems are not restricted to the IP addresses listed above, no action is required on your part. + +Integration Support + +If you have any questions or need assistance, please contact integration_support@fanniemae.com. + +© 2025 Fannie Mae 9.17.25 + +2 of 2 diff --git a/chunks/txt/55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c.txt b/chunks/txt/55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c.txt new file mode 100644 index 0000000000000000000000000000000000000000..666de3eafdfe74e6f3be31ccd9fb2a65d4df61fa --- /dev/null +++ b/chunks/txt/55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c.txt @@ -0,0 +1,152 @@ +PDF Display Format (when the source is an MLS listing): +MLS Organization # Listing + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +9 + +Money + +PDF Display Format: +Whole dollars only. + +This field is required if field 2-108 (Subject +Has Prior Sales Indicator = 'Y') is indicated. + +CR + +CR + +CR + +R + +R + +R + +R + +R + +R + +At least one instance of this field is required +(i.e. for at least one comp) if field 2-111 +(Comparable Has Prior Sales Indicator = 'Y') +is indicated. + +At least one instance of this field is required +(i.e. for at least one comp) if field 2-111 +(Comparable Has Prior Sales Indicator = 'Y') +is indicated. + +CR + +CR + +CR + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 68 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +382 + +2 + +120 + +SALES +COMPARISON +APPROACH + +Data Source (s) +COMPARABLE + +Data Source +Description + +A free-form text field used to describe +the source of information. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/PRIOR_SALES/@DataSourceDescription diff --git a/chunks/txt/5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049.txt b/chunks/txt/5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049.txt new file mode 100644 index 0000000000000000000000000000000000000000..d460bb1c0fcb63f5073da3c4b3f8a18e7d1cb7d0 --- /dev/null +++ b/chunks/txt/5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049.txt @@ -0,0 +1,79 @@ +179 + +180 + +Was the project created by the conversion of an existing building(s) into a condominium? Yes No If Yes, describe the original use and the date of conversion. +184 + +183 + +182 + +Are the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)? Yes No If No, describe +187 + +185 + +186 + +Is there any commercial space in the project? Yes No If Yes, describe and indicate the overall percentage of the commercial space. +e-32;190 + +189 + +188 + +Freddie Mac Form 465 March 2005 226 + +Page 1 of 6 + +Fannie Mae Form 1073 March 2005 + +2 + +Individual Condominium Unit Appraisal Report + +File # 3 + +4 4a + +Describe the condition of the project and quality of construction. 5 + +Describe the common elements and recreational facilities. 6 + +Are any common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 9 + +8 + +7 + +Is the project subject to ground rent? Yes No If Yes, $ + +11 + +10 + +12 + +per year (describe terms and conditions) 13 + +Are the parking facilities adequate for the project size and type? Yes No If No, describe and comment on the effect on value and marketability. 16 + +15 + +14 + +17 + +I did did not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why +the analysis was not performed. 19 + +18 + +Are there any other fees (other than regular HOA charges) for the use of the project facilities? Yes No If Yes, report the charges and describe. 22 + +21 + +20 + +Compared to other competitive projects of similar quality and design, the subject unit charge appears High Average Low If High or Low, describe 26 diff --git a/chunks/txt/5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570.txt b/chunks/txt/5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570.txt new file mode 100644 index 0000000000000000000000000000000000000000..cee72e6bc08b69b118cb5efca3eb87eb0015a0e1 --- /dev/null +++ b/chunks/txt/5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570.txt @@ -0,0 +1,47 @@ +Figure VI-2. Questions Answered by the Deprecated Data Points and +containers Worksheets. + + Why can’t I find a data point in the v3.0 Reference Model that I know is in + + + +earlier MISMO transaction sets? +I need to use a data point from a previous version—how is it represented in +Version 3.0? + +1. Deprecated Data Points + +The “Deprecated Data Points” worksheet is organized similarly to the “LDDReport” +worksheet and provides an alphabetical list of the data points that have been retired +from the V3.0 Reference Model. The first three columns (A – C) contain the term + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 64 of 76 + +Section VI. V3.0 Reference Model Features Not Used in ULDDS + +name, definition, and enumerated values of the retired data point. Columns D and H +provide the URN of the associated enumeration and data point. Column E, App Info, +provides information about the disposition of the data point. + +Example VI-6. Deprecated Data Points. + +Data Point 1: AppraiserPostalCode +Definition: The postal code (ZIP code in US) of the address of the appraiser. ZIP + +code may be either 5 or 9 digits. + +App Info: Deprecate: Replace by Party Role Type = Appraiser + PostalCode + +Data Point 2: FRE Delivery Data Adjustment Type +Definition: Specifies the type of data adjustment made upon delivery based on + +Freddie Mac guidelines. + +App Info: Deprecate. No longer required by FRE. + +Data Point 3: LoanProgramAffordableIndicator +Definition: When true, indicates that the loan program is classified as an diff --git a/chunks/txt/554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2.txt b/chunks/txt/554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..d2ae2b0432e2cb0abdfc8c3e41f48d80148140d3 --- /dev/null +++ b/chunks/txt/554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2.txt @@ -0,0 +1,103 @@ +Identifies the annual ground rent amount +for the project unit. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@ +_GroundRentAmount + +1 + +1 + +12 + +Boolean + +Boolean + +Money + +PDF Display Format: +Whole numbers only. + +A free-form text field describing the +ground rent. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@ +_GroundRentDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PROJECT +INFORMATION + +Are the parking facilities +adequate for the project size and +type? +Yes + +PROJECT +INFORMATION + +PROJECT +INFORMATION + +Are the parking facilities +adequate for the project size and +type? +No + +Are the parking facilities +adequate for the project size and +type? +If No, describe and comment on +the effect on value and +marketability. + +Adequate Indicator + +Indicates that this feature is adequate for +normal needs. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE[@AdequateIndicator='Y'] + +Adequate Indicator + +Indicates that this feature is adequate for +normal needs. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE[@AdequateIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Project Car Storage +Adequacy Effect +On Marketability +Description + +A free-form text field describing the effect +of the adequacy or inadequacy of parking +on the marketability of the project or a +unit thereof. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE/@_AdequacyEffectOnMarketabilityDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. diff --git a/chunks/txt/555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f.txt b/chunks/txt/555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b8839c1785d7bcb75ed900090b2e66de22a3e41 --- /dev/null +++ b/chunks/txt/555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f.txt @@ -0,0 +1,36 @@ +Prior year information can be viewed by selecting the year of interest in the dashboard. + +- [2024 DTS Multifamily Dashboard](/data/dashboard/dts/multifamily/2024) +- [2024 DTS Multifamily Dashboard Data [ZIP]](/document/dts_2024_mf_dashboard.zip) + +*Page Updated: 8/18​/2025* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614.txt b/chunks/txt/555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614.txt new file mode 100644 index 0000000000000000000000000000000000000000..6de6ebd43f02d1bec9d05435c6217c2ef43f576b --- /dev/null +++ b/chunks/txt/555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614.txt @@ -0,0 +1,34 @@ +5.0 Projected Payments Table + +i. I NI TIAL PERIODI C PAYMENT + +The initial periodic payment or payment range must be disclosed in the first column. The only time the payment +is expressed as a range is if the P&I payment amount adjusts more than one time within the first year. + +ii. PAYMENT EXTENDS ONLY PARTWAY THROUGH YEAR + +If a payment amount is in force for only part of a year, it is disclosed as if it continued through the entire year, +and the change to the payment amount is disclosed beginning in the next year with a new column. This payment +can be disclosed in any column. + +iii. MORE THAN FOUR PAYMENT CHANGES OVER LIFE OF LOAN + +After three separate periodic payments or payment ranges have been disclosed, all other payment change +events are grouped together and disclosed in the fourth column as a single payment range. + +iv. FI NAL BALLOON PAYMENT + +The final balloon payment under the terms of the legal obligation must be disclosed separately as the last +column in the Projected Payments table. The column heading for a final balloon payment is Final Payment +instead of Year n. + +b. PAYMENT CHANGE EVENTS + +The following post-consummation events must be disclosed as new columns in the Projected Payments table, +up to a total of four. If more than four payment change events can occur, the minimum and maximum payment +possible during the rest of the loan term after the third change event are disclosed in the last column as a +payment range. + +i. ARM, Step Rate: an adjustment to interest rate or applicable interest rate caps (either based upon the + +value of an external index or according to a schedule). diff --git a/chunks/txt/5557a2b0751d7f4da78eada8f3fc9b3da93be99e5cdb10864f900226fe06642b.txt b/chunks/txt/5557a2b0751d7f4da78eada8f3fc9b3da93be99e5cdb10864f900226fe06642b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d05e1db86684745d488e65fba471fde63284b7da --- /dev/null +++ b/chunks/txt/5557a2b0751d7f4da78eada8f3fc9b3da93be99e5cdb10864f900226fe06642b.txt @@ -0,0 +1,15 @@ +59,118 followers + +10mo + +- [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) + +Twelve-Month House Price Changes for U.S. + +- ![No alternative text description for this image]() + `` `` [![image]() ![image]() 48](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) `` `` `` `` `` `` `` [9 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments) + +[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta) + +`` + - [](https://www.linkedin.com/posts/fhfa_us-house-prices-rose-02-percent-in-january-activity-7310294777407721473-61Rk) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name) diff --git a/chunks/txt/557a73e7e559df9dc57649c473baa4d8327c9cc22d599a7885a47dd5a563b5cd.txt b/chunks/txt/557a73e7e559df9dc57649c473baa4d8327c9cc22d599a7885a47dd5a563b5cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..9632ce56082ba2b7a21b7b9440d72576275a140e --- /dev/null +++ b/chunks/txt/557a73e7e559df9dc57649c473baa4d8327c9cc22d599a7885a47dd5a563b5cd.txt @@ -0,0 +1,33 @@ +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A + +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A diff --git a/chunks/txt/558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db.txt b/chunks/txt/558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db.txt new file mode 100644 index 0000000000000000000000000000000000000000..20bcfe6952098c459c2cf73fe7c31368201e36c2 --- /dev/null +++ b/chunks/txt/558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db.txt @@ -0,0 +1,98 @@ +Special Tax Assessments + +Subject Property: Special Tax Assessments + +Report +Field ID + +3.008 + +Report Label + +When to Include + +Allowable +Answers / Format + +Special Tax +Assessments + +Always required + +Yes | No + +Definition / Additional Guidance + +Indicates whether there are special tax assessments. A special tax assessment is +an additional tax levied on the property to pay for specific local (municipalities +or governmental) infrastructure projects (e.g., public road or sewer +construction or maintenance). + +Note: Do not include project special assessments. These are reported in the +Project Information section (18.072). + +Required if Special Tax +Assessments is Yes + +Free-form + +Describe the special tax assessment, including amount, purpose, and the +impact to value and / or marketability. + +3.009 + +Description of +Special Tax +Assessments +and Impact to +Value / +Marketability + +Appendix F-1: URAR Reference Guide + +Page 50 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Ownership Rights + +03 Subject Property + +This subsection describes the ownership and property rights appraised for the subject property. The appraiser +must identify any property rights excluded from the valuation of the subject property such as mineral rights, +water rights etc. Fractional, timeshare or segmented ownership rights must be identified in Subject Property +Commentary (3.032) when they exist for the subject property. + +Property Rights + +Report +Field ID + +3.019 + +Report Label + +When to Include + +Property Rights +Appraised + +Required if the +property is not in a +cooperative + +3.020 + +Community Land +Trust + +3.021 + +Native American +Lands + +Required if Property +Rights Appraised is +Leasehold or Other diff --git a/chunks/txt/559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8.txt b/chunks/txt/559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0925cffc5f8466872edf1df9af8faee3d64c400 --- /dev/null +++ b/chunks/txt/559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8.txt @@ -0,0 +1,142 @@ +182 + +183 + +Are the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)? Yes No If No, describe +187 + +186 + +185 + +Is there any commercial space in the project? Yes No If Yes, describe and indicate the overall percentage of the commercial space. +e-32; 190 + +189 + +188 + +Freddie Mac Form 466 March 2005 226 + +Page 1 of 6 + +Fannie Mae Form 1075 March 2005 + +2 + +Exterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a + +Describe the condition of the project and quality of construction 5 + +P +R +O +J +E +C +T + +I +N +F +O +R +M +A +T +I +O +N + +P +R +O +J +E +C +T + +A +N +A +L +Y +S +I +S + +U +N +I +T + +I +M +P +R +O +V +E +M +E +N +T +S + +P +R +I +O +R + +S +A +L +E + +H +I +S +T +O +R +Y + +Describe the common elements and recreational facilities. 6 + +Are any common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 9 + +7 + +8 + +Is the project subject to ground rent? Yes No If Yes, $ + +10 + +11 + +12 + +per year (describe terms and conditions) 13 + +Are the parking facilities adequate for the project size and type? Yes No If No, describe and comment on the effect on value and marketability. 16 + +14 + +15 + +17 + +18 + +I did did not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why +the analysis was not performed. 19 + +Are there any other fees (other than regular HOA charges) for the use of the project facilities? Yes No If Yes, report the charges and describe. 22 + +20 + +21 + +Compared to other competitive projects of similar quality and design, the subject unit charge appears High Average Low If High or Low, describe 26 diff --git a/chunks/txt/55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8.txt b/chunks/txt/55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..53e06198cb81647f06b44bb2efc65fa540bade35 --- /dev/null +++ b/chunks/txt/55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/regulation/suspended-counterparty-program" +date_accessed: "2026-01-27T17:54:20.426Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf.txt b/chunks/txt/55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..b839f1c593b43d08f23c96d3357a8f3e85041cf5 --- /dev/null +++ b/chunks/txt/55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf.txt @@ -0,0 +1,161 @@ +10.157 + +IntegratedDisclosureSectionType + +DueFromBorrowerAtClosing + +10.158 + +IntegratedDisclosureSubsectionType + +AdjustmentsForItemsPaidBySellerInAdvance + +10.023 + +ProrationItemAmount + +5.00 + +10.019 + +ProrationItemPaidFromDate + +2024-04-15 + +10.020 + +ProrationItemPaidThroughDate + +2024-04-30 + +UCD v2.0 Implementation Guide + +- 54 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 31. UCD v2.0 Spec Excerpt - Proration Line Items Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +10.017 + +ProrationItemType + +CityPropertyTax + +…/PRORATION_ITEM + +10.157 + +IntegratedDisclosureSectionType + +DueFromBorrowerAtClosing + +10.158 + +IntegratedDisclosureSubsectionType + +AdjustmentsForItemsPaidBySellerInAdvance + +10.023 + +ProrationItemAmount + +3.00 + +10.019 + +ProrationItemPaidFromDate + +2024-04-15 + +10.020 + +ProrationItemPaidThroughDate + +2024-04-30 + +10.017 + +ProrationItemType + +HomeownersAssociationDues + +…/PRORATION_ITEM + +10.157 + +PaidAlreadyByOrOnBehalfOfBorrower +AtClosing + +PaidAlreadyByOrOnBehalfOfBorrowerAtClos +ing + +10.158 + +IntegratedDisclosureSubsectionType + +AdjustmentsForItemsUnpaidBySeller + +10.023 + +ProrationItemAmount + +36.00 + +10.019 + +ProrationItemPaidFromDate + +2024-04-15 + +10.020 + +ProrationItemPaidThroughDate + +2024-04-30 + +10.017 + +ProrationItemType + +CountyPropertyTax + +…/PRORATION_ITEM + +10.157 + +PaidAlreadyByOrOnBehalfOfBorrower +AtClosing + +PaidAlreadyByOrOnBehalfOfBorrowerAtClos +ing + +10.158 + +IntegratedDisclosureSubsectionType + +AdjustmentsForItemsUnpaidBySeller + +10.023 + +ProrationItemAmount + +10.00 + +10.019 + +ProrationItemPaidFromDate + +2024-04-15 + +10.020 diff --git a/chunks/txt/55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb.txt b/chunks/txt/55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..f397df3c9177c4fa390e8d957f01f20c843a6372 --- /dev/null +++ b/chunks/txt/55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb.txt @@ -0,0 +1,48 @@ +B. MISMO Standard Developers + +Volunteers from across the mortgage industry, including the GSEs, work together to +develop and maintain a comprehensive set of standard data for all stages of the mortgage +life cycle. MISMO workgroups focused on specific functions include: + + Credit Reporting, + + Flood Insurance, + + Loan Servicing (including Investor Reporting), + + Mortgage Insurance, + + Origination (including Underwriting and Closing), + + PropertyValuation, + + Secondary Delivery, and + + Title Insurance.3 + +The GSEs are actively involved in a variety of MISMO workgroups. Each GSE will +continue to engage with the workgroups as the loan delivery datasets and usage +requirements are finalized. + +2 Excerpts from MISMO Web site, “About MISMO” page, http://www.mismo.org/about-mismo.html, 9/14/10. +3 Ibid. +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 7 of 76 + +Section III. Using the MISMO v3.0 Logical Data Dictionary + +III. Using the MISMO v3.0 Logical Data Dictionary + +The LDD is published both as an XML schema document and an Excel4 workbook +comprising six worksheets containing alphabetical lists of each data point, container, attribute, +and arc role (container relationships)5 used in the MISMO V3.0 Reference Model. The LDD +also tracks the data points and containers that have been deprecated (retired). Since the Excel +version of the LDD can be referenced by any business partner without special software, the +Excel version is described in this User Guide. The version of the LDD upon which ULDDS +Appendix A is based is V30_B263-12_LDDReport.xls, dated June 2, 2010, downloadable +from the Specification page of the MISMO Web site as V3_0_CR_2010-12.zip. 6 This +section describes some of the foundational concepts of the LDD in terms of the GSEs’ +intended use. diff --git a/chunks/txt/55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f.txt b/chunks/txt/55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f.txt new file mode 100644 index 0000000000000000000000000000000000000000..a67a4e4e35e92f7faf58d349dfc75876f138c10b --- /dev/null +++ b/chunks/txt/55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f.txt @@ -0,0 +1,15 @@ +*[![USAGov Logo](/themes/custom/usagov/images/USAGov_logo_51px.png)](/)* + +[Español](/es/) Menu [Call us at 1-844-USAGOV1](/phone) + +Search ![Search](/themes/custom/usagov/components/searchbar/images/search--dark.svg) + +![Close](/themes/custom/usagov/assets/img/usa-icons/close.svg) - [All topics and services](/#all-topics-header) + - [The U.S. and its government](/about-the-us) + - [Government benefits](/benefits) + - [Immigration and U.S. citizenship](/immigration-and-citizenship) + - [Money and credit](/money) + - [Taxes](/taxes) + - [Travel](/travel) + +.banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_480w/public/2023-02/Homepage_Banner.png.webp?itok=oRUyh2zS); } /* Tablet 1x */ @media(min-width: 640px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_640w/public/2023-02/Homepage_Banner.png.webp?itok=YjZoK3id); } } /* Mobile 1.5x */ @media(min-width: 720px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_720w/public/2023-02/Homepage_Banner.png.webp?itok=AAnRcXg_); } } /* Tablet 1.5x & Mobile 2x */ @media(min-width: 960px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_960w/public/2023-02/Homepage_Banner.png.webp?itok=XTdqArEv); } } /* Desktop 1x */ @media(min-width: 1024px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1024w/public/2023-02/Homepage_Banner.png.webp?itok=i1ALXCH1); } } /* Tablet 2x */ @media(min-width: 1280px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1280w/public/2023-02/Homepage_Banner.png.webp?itok=J1XI6S0_); } } /* Mobile 3x */ @media(min-width: 1440px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1440w/public/2023-02/Homepage_Banner.png.webp?itok=I-x-PoQ3); } } /* Desktop 1.5x */ @media(min-width: 1536px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1536w/public/2023-02/Homepage_Banner.png.webp?itok=_ADALubz); } } /* Tablet 3x */ @media(min-width: 1920px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1920w/public/2023-02/Homepage_Banner.png.webp?itok=lAbiPNp-); } } /* Desktop 2x */ @media(min-width: 2048px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_2048w/public/2023-02/Homepage_Banner.png.webp?itok=O6y_Q-rP); } } /* Desktop 3x */ @media(min-width: 3072px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_3072w/public/2023-02/Homepage_Banner.png.webp?itok=AvW3HSyR); } } diff --git a/chunks/txt/55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc.txt b/chunks/txt/55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed7fdef163294aef91079a4d9047d05192ffb98d --- /dev/null +++ b/chunks/txt/55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc.txt @@ -0,0 +1,66 @@ +r +e +t +t +o + +l + +34208 + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +adding certain geographic indicators +that correspond to certain regions of +focus under the Enterprise Duty to Serve +program (12 CFR part 1282, subpart C) +will help provide greater transparency +to the public about the Enterprises’ Duty +to Serve activities; + +Whereas, to comply with the Safety +and Soundness Act, it is necessary for +FHFA to make changes to the data fields +in the single-family and multifamily +matrices of the PUDB, which set forth +the data required to be submitted for the +PUDB and the privacy and proprietary +modifications to that data, as directed in +this Order; + +Now, therefore, it is hereby ordered as + +follows: + +1. The data fields in the single-family + +and multifamily matrices of the PUDB +are revised as set forth in the matrices +published on the FHFA website at +https://www.fhfa.gov/DataTools/ +Downloads/Pages/Public-Use- +Databases.aspx, which are incorporated +herein by reference, to include: + +(a) The data elements that are the +same as those required to be reported +under HMDA, pursuant to 12 U.S.C. +4543(a)(2) and 4546(d)(1), except for +certain newly collected data elements +that require further analysis to ensure +data quality before inclusion in the +PUDB; + +(b) Revised proprietary and privacy +protections, including the disclosure of +data elements previously withheld or +modified on proprietary grounds that +are no longer eligible for proprietary +protection under 12 U.S.C. 4543(b)(2); +and + +(c) Certain Duty to Serve geographic + +indicators; + +2. The Enterprises shall provide to diff --git a/chunks/txt/55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2.txt b/chunks/txt/55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2.txt new file mode 100644 index 0000000000000000000000000000000000000000..237e997fc2c93f5c70b9758ceeb82ea6f9bc11a0 --- /dev/null +++ b/chunks/txt/55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2.txt @@ -0,0 +1,81 @@ +Neighborhood +Demand Supply Type + +67 + +NEIGHBORHOOD + +68 + +NEIGHBORHOOD + +Marketing Time +Under 3 mths + +Marketing Time +3-6 mths + +Neighborhood +Typical Marketing +Time Duration Type +Neighborhood +Typical Marketing +Time Duration Type + +Specifies the urban, suburban, or +rural nature of the location of the +subject property. +Specifies the urban, suburban, or +rural nature of the location of the +subject property. +Specifies the urban, suburban, or +rural nature of the location of the +subject property. +Specifies an estimated percentage +range of available land in the +neighborhood that has been +improved. FORM SPECIFIC FIELD +Specifies an estimated percentage +range of available land in the +neighborhood that has been +improved. FORM SPECIFIC FIELD +Specifies an estimated percentage +range of available land in the +neighborhood that has been +improved. FORM SPECIFIC FIELD +Specifies the rate at which the +neighborhood is being developed or if +it has been fully developed. +Specifies the rate at which the +neighborhood is being developed or if +it has been fully developed. +Specifies the rate at which the +neighborhood is being developed or if +it has been fully developed. + +Specifies the current trend of property +values in the neighborhood. + +Specifies the current trend of property +values in the neighborhood. + +Specifies the current trend of property +values in the neighborhood. + +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the typical length of time a +property would stay on the market +before being sold in the +neighborhood +Specifies the typical length of time a +property would stay on the market +before being sold in the +neighborhood diff --git a/chunks/txt/55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e.txt b/chunks/txt/55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba739a75f5276b88752e1aacae5b41bad324ed90 --- /dev/null +++ b/chunks/txt/55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e.txt @@ -0,0 +1,17 @@ +## About FHFA + +The Federal Housing Finance Agency (FHFA) is an independent agency established by the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of the [Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac)](/supervision/fannie-mae-and-freddie-mac), and the [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system), which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance (OF). The Agency's mission is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and the FHLBanks (together, "the regulated entities") fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac. + +[Read More](/about) + +## Latest News + +- ## News Release + +![FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year ](/sites/default/files/2026-01/hpi-january-2026-homepage-card-image.jpg) + +January 27, 2026 + +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 remained unchanged. + +[Read More](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year) diff --git a/chunks/txt/55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc.txt b/chunks/txt/55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc.txt new file mode 100644 index 0000000000000000000000000000000000000000..b0bb74730c67ab6d9d818a5f75434555b630b32a --- /dev/null +++ b/chunks/txt/55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc.txt @@ -0,0 +1,39 @@ +UCD Integration Impact Memo + +UCD v2.0 Specification and Schema Updates + +Implementation + +Fannie Mae and Freddie Mac (the GSEs) published the Uniform Closing Dataset v2.0 Specification (UCD v2.0) and supporting +resources to provide clearer UCD XML file requirements to help improve data quality. UCD v2.0 (based on the Mortgage Industry +Standards Maintenance Organization (MISMO®) residential standards v3.3.0299) fully reflects new and existing UCD XML file +requirements. UCD v2.0 incorporates all requirements documented in previously published UCD Impact Memos, the UCD Critical +Edits Matrix (CEM) and other resources. + +Highlights include: + +• Updated requirements: Incorporation of industry, regulatory, and GSE requirement changes, including those + +• + +• + +implemented as part of the UCD Critical Edits initiative. +Incorporated Phase 4 UCD Critical Edits requirements: UCD v2.0 conditionality details form the basis of Phase 4 Critical +Edits. +Incorporated postponed UCD Phase 3B Critical Edits requirements: UCD v2.0 includes an EXTENSION to FEE_DETAIL to +enable the GSEs to add and validate fee enumerations as well as revise certain Phase 3 Critical Edits. + +• New Software Provider Code requirements. +• Updated format: Extensive formatting changes to align with other Unform Mortgage Data Program (UMDP) + +specifications. + +Partner Responsibilities + +Partners are responsible for reviewing the updated specification document, timeline, and required changes to determine any +required system changes necessary to support UCD v2.0. + +The following documentation is available for review: + +§ Timeline for UCSD v2.0 Specification Initiative diff --git a/chunks/txt/560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a.txt b/chunks/txt/560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c56a5697c8c3b75cc9faf6104e47a779ac048c8 --- /dev/null +++ b/chunks/txt/560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a.txt @@ -0,0 +1,23 @@ +Lenders should use the following criteria when determining if the loan can be delivered to Fannie Mae: + +• + +• + +If the property has been damaged and the damage does not affect the soundness or structural integrity of the property +and the repair items are covered by insurance, the lender may deliver the loan to Fannie Mae. In these circumstances, the +lender must obtain documentation of the professional estimates of the repair costs and must ensure that sufficient funds +are available for the borrower's benefit to guarantee the completion of the repairs. + +If the property was damaged and the damage is uninsured or the damage affects the soundness or structural integrity of +the property, the property must be repaired before the loan is delivered to Fannie Mae. + +These requirements are necessary to support the lender’s property representations and warranties and apply through the end of +the delivery process which is the whole loan purchase date or MBS settlement date. For DU loan casefiles with a value acceptance +or value acceptance + property data offer, the lender may exercise the offer as long as they have complied with the above +requirements with regard to property condition and repairs. This applies in addition to the requirements in SB4-1.4-10, Value +Acceptance and SB4-1.4-11, Value Acceptance + Property Data + +Note: The above requirements do not apply to high LTV refinance loans. See Selling Guide B5-7-02, High LTV Refinance +Underwriting, Documentation, and Collateral Requirements for the New Loan for additional information. For delivered loan +requirements, see the Servicing Guide, Chapter D1-3. diff --git a/chunks/txt/560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c.txt b/chunks/txt/560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1b8fd97ebf1d48e89b320c809e14c129c108120 --- /dev/null +++ b/chunks/txt/560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c.txt @@ -0,0 +1,46 @@ +C. Description of Enterprise Reporting +and Current PUDB Matrices + +The PUDB matrices are data + +dictionaries that describe the data fields +provided in the public release of the +data in the PUDB. The PUDB contains +Enterprise single-family and +multifamily mortgage loan-level data +reported to FHFA by the Enterprises, +including data elements that have been +determined to lose their proprietary +character when categorized in ranges or +otherwise adjusted or recoded. For +single-family mortgage data, there +currently are three separate files: A +Census Tract File that identifies the +census tract location of the mortgaged +properties; a National File A containing +loan-level data on owner-occupied one- +unit properties but without census tract +identifiers; and a National File B +containing unit-level data on all single- +family properties without census tract +identifiers. For multifamily data, there +are two separate files: A Census Tract + +2 FHFA’s Order revises the single-family and +multi-family data matrices, effective for 2010 and +beyond. The Enterprises’ HMDA rate spread +submissions for 2008–2009 indicate that the HMDA +rate spread is of questionable value for those years. +See discussion in section V. below. + +File that identifies the census tract +location of the mortgaged properties; +and a National File that does not +identify the location of the mortgaged +properties but contains mortgage-level +data and unit class-level data on all +multifamily properties. The Enterprises +also separately report to FHFA certain +single-family and multifamily mortgage +data for safety and soundness and other +regulatory purposes. diff --git a/chunks/txt/560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e.txt b/chunks/txt/560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1b397385fb95c531abe59bc0b31b5ccbb98d23c --- /dev/null +++ b/chunks/txt/560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e.txt @@ -0,0 +1,60 @@ +Additionally, UAD needs to link comparable adjustments to the subject property improvement. Defects need to be linked to their amenity, +or improvement or property unit. Improvement costs and depreciated value need to be linked to a specific improvement. Each appraiser +and/or appraiser supervisor must be associated with the report and to their respective signatory line in the report. None of these +relationships can be expressed by containment either. + +We need a way to: + +1. Uniquely label each item (in this case, a container holding a set of information). +2. “Draw” logical lines between the items that should be linked. + +This capability in XML is called xLink. In the submission file, each “item” is uniquely identified by a label specifically created to be used +within UAD Delivery. The linking of the items is described in repeating RELATIONSHIP containers, which contain the label names of each +item to be linked, and the type of relationship. The following table illustrates the xLink concept. + +Appendix B-1: URAR Implementation Guide v1.3 + +UAD Delivery File Relationships + +Page 31 + +Arcrole (Verb Phrase) + +XPath From Endpoint + +Source + +XPath To Endpoint + +Target + +• MISMO v3.6 attribute +providing information +about the origin, +destination, and +behavior of a link +between two objects +described in the XML +file. + +• The “name” of the + +arcrole, defining the +relationship between +two containers. + +• The hierarchical +path through the +MISMO v3.6 +schema +document to the +source data point +that will be part +of the link. +• This is where + +Xlink attributes +are included in +the Delivery File. + +• The name of the diff --git a/chunks/txt/5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8.txt b/chunks/txt/5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..0b4abc3541dda0a1f328b431f4bef8c7528a7b62 --- /dev/null +++ b/chunks/txt/5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8.txt @@ -0,0 +1,3 @@ +© 2022 Fannie Mae. Trademarks of Fannie Mae. + +10.19.22 4 of 4 diff --git a/chunks/txt/5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054.txt b/chunks/txt/5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054.txt new file mode 100644 index 0000000000000000000000000000000000000000..9abf48ce392b6b66314e90cd3e0c1cd6dfbff79d --- /dev/null +++ b/chunks/txt/5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054.txt @@ -0,0 +1,175 @@ +Table 152. Real Estate Broker (B) Contact Information + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data Point | +Attribute Name + +MISMO v3.3.0 Value + +Notes + +23.9.3 Phone + +23.5.3 Contact + +N/A + +UID +997.009 + +N/A + +UID +997.010 + +…/CONTACT_POINT/ +CONTACT_POINT_TE +LEPHONE + +…/INDIVIDUAL/NAM +E + +ContactPointTelepho +neValue + +1235551717 + +ROF as “123-555- +1717” + +FirstName + +LastName + +Samuel + +Green + +…/ROLE_DETAIL + +@SequenceNumber 6 + +@xlink:label + +PARTY6_ROLE1 + +23.0.3 Real Estate Broker + +(B) + +…/ROLE/REAL_ESTAT +E_AGENT + +RealEstateAgentType Selling + +23.0.3 Real Estate Broker + +…/ROLE_DETAIL + +PartyRoleType + +RealEstateAgent + +(B) + +N/A – XML + +…/DOCUMENT/RELA +TIONSHIP + +@SequenceNumber 3 + +End of PARTY | PARTIES + +@xlink:arcrole + +urn:fdc:mismo.org:2 +009:residential/ +ROLE_IsEmployedBy +_ROLE + +@xlink:from + +PARTY6_ROLE1 + +@xlink:to + +PARTY5_ROLE1 + +UID +997.069 + +UID +997.073 + +UID +997.077 + +UID +997.081 + +Not shown – +relationships + +Not shown – +relationships + +ROF as “Real Estate +Broker (B)” in +column heading + +ROF as “Real Estate +Broker (B)” column +heading + +Not shown – +relationships + +▪ Not shown – +relationships +▪ Specifies that + +Samuel Green is +employed by +Omega Real Estate + +▪ Not shown – + +relationship s +▪ Specifies that + +Samuel Green is +employed by +Omega Real Estate + +▪ Not shown – +relationships +▪ Specifies that + +Samuel Green is +employed by +Omega Real Estate + +Appendix E: UCD Implementation Guide + +Page 232 of 254 + +Version 1.4 + +Uniform Closing Dataset + +23.0 Contact Information + +A. MAPPI NG GUI DANCE + +1. Although the data points PartyRoleType = “ClosingAgent” and FullName are also used to support 1.4 + +Settlement Agent under Closing Information, they are provided in the UCD file only once. Additionally, the +Settlement Agent column does not require RealEstateAgentType illustrated in this example. diff --git a/chunks/txt/56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920.txt b/chunks/txt/56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5d26eb93ebdf491f51cc5f5aa075ad621aa9bc9 --- /dev/null +++ b/chunks/txt/56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920.txt @@ -0,0 +1,105 @@ +Fannie Mae will provide the specific text to be +used to invoke certain DU rules. Current valid +values are listed below. New values will be +communicated in DU Release Notes, +Integration Impact Memos, and Fannie Mae +Selling Guide. + +Implementation Notes for FHA and VA: +Lenders should ensure that they are following +applicable FHA and VA guidelines for their +use. + +RestrictedStock - This value is used to +indicate that the income amount is + +© 2025 Fannie Mae 8.8.25 + +2 of 4 + +Unique +ID + +Data Point Name + +DU Supported +Enumeration(s) + +Change + +5.0247 + +AssetTypeOtherDescription + +6.0016 + +LiabilityPayoffStatusIndicator + +6.0060 + +LiabilityPayoffStatusIndicator + +8.0001 + +IntentToOccupyType + +8.0003 + +HomeownerPastThreeYearsType + +OtherLiquidAsset +OtherNonLiquidAsset +false +true +false +true +No +Yes +No +Yes + +associated with restricted stock. Enter an +IncomeType of Other when this is being used. +Changed the DU Data Point format from +Enumerated to String 80. +Added indication these data points are part of +the Optimized Dataset. +Added indication these data points are part of +the Optimized Dataset. +Removed enumeration "Unknown" + +Removed enumeration "Unknown" + +8.0063 + +PartyRoleIdentifier + +Changed Data Point Format to Numeric 5. + +8.0073 + +PartyRoleIdentifier + +12.0034 + +DU:SharedEquityAmount + +12.0035 + +DU:DUPolicyFeatureDescription + +Added Implementation Notes for DU, CR, and +EC, FHA and VA: + +This field must contain exactly 5 digits. +Alphabetic characters and special symbols +are not allowed. +Changed Data Point Format to Numeric 5. + +Added Implementation Notes for DU, CR, and +EC, FHA and VA. + +This field must contain exactly 5 digits. +Alphabetic characters and special symbols +are not allowed. +Added MISMO extension data point. diff --git a/chunks/txt/564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918.txt b/chunks/txt/564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918.txt new file mode 100644 index 0000000000000000000000000000000000000000..913a8da40642d88000498874884628014326e768 --- /dev/null +++ b/chunks/txt/564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918.txt @@ -0,0 +1,42 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Market Risk Scenarios + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - [Federal Home Loan Bank Stress Tests For Market And Credit Risk](/data/fhlb-stress-tests) + - Market Risk Scenarios + +## FHFA Methodology for Determining Market Risk Scenarios + +The FHFA methodology to construct a historically-based shock for a given interest rate is to measure the absolute change at each term point on the corresponding yield curve over a six-month horizon, and then impose that absolute change on the current measure of that yield curve. However, because the current rate environment may differ significantly from the historical rate environment, imposing the historical shock on the current rate can result in a shock scenario that is implausible. Implausible shock scenarios include any that contain negative values for interest rates, and those where the resulting spread between any two different interest rates is inconsistent with the historically observed spread. diff --git a/chunks/txt/565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6.txt b/chunks/txt/565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6.txt new file mode 100644 index 0000000000000000000000000000000000000000..d40132c22b18dd7870d43ea2361a8e1aa4225daa --- /dev/null +++ b/chunks/txt/565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6.txt @@ -0,0 +1,103 @@ +Occupant +Owner + +Occupant +Tenant + +Map Reference +Identifier + +Census Tract +Identifier + +A reference to a regionally specific map +document that assists in locating a +property. May refer to locally available +published map products (e.g. Thomas +Map in CA) or a county tax map. + +Identifies census tract as defined by the +U.S. Census Bureau where subject +property is located. + +/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@MapReferenceI +dentifier + +/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@CensusTractId +entifier + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType='OwnerOccupied'] + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType='TenantOccupied'] + +10 + +50 + +45 + +30 + +150 + +60 + +4 + +10 + +60 + +10 + +30 + +25 + +15 + +15 + +String + +String + +String + +String + +String + +String + +String + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included in +this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-10, 2-12d, 6-20d) and +must be represented consistently. + +UAD Instruction - Refer to Appendix D Subject Section +If the subject property is not located in any county (e.g. the subject property is located +in an independent city), enter the name of the local municipality or district in which the +property is located. + +UAD Instruction - Refer to Appendix D Subject Section +If no parcel number is available, enter 'None'. If more than one parcel number is +applicable, each should be listed and separated by a semicolon. diff --git a/chunks/txt/5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d.txt b/chunks/txt/5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..52ac8e426c83f375a341c6ff4b9d06424ed25145 --- /dev/null +++ b/chunks/txt/5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d.txt @@ -0,0 +1,126 @@ +The name of the lending organization that is +submitting the appraisal report to UCDP. + +Note: The Lender Name may differ between each +GSEs SSR. + +The identifier of the license or certificate issued to +the appraiser. + +Note: Appears twice in a report when both general +and supervisor appraiser role parties are present. + +The two-character representation of the US state +code wherein the party is licensed or certified to +operate. + +License Type + +appraiserLicenseType A code indicating the different types of appraisal + +Both + +licenses that can be held by an appraiser (e.g., +Certified General; Certified Residential; Licensed +Residential Appraiser; None; Other; Trainee +Appraiser). + +Note: Appears twice in report when both general +and supervisor appraiser role parties are present. + +Loan Prospector* Key + +automatedUnderwriti +ngCaseIdentifier + +The Freddie Mac-specific number that refers to the +Loan Product Advisor® (LPA®) AUS Key. + +Message + +messageText + +The text description of each appraisal finding. + +FRE + +Both + +Both + +X + +X + +X + +Both + +X + +X + +X + +Both + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +PDF Data Point Name + +JSON SSR +Field Name + +Definition / Description + +Appears on… +[FNM, FRE, Both] * + +URAR + +Message ID + +messageId + +A unique identifier assigned to each +finding/message. + +Number of ADUs (FNM) diff --git a/chunks/txt/566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01.txt b/chunks/txt/566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01.txt new file mode 100644 index 0000000000000000000000000000000000000000..d15f2fcf070031046186647f3d81de37e9250265 --- /dev/null +++ b/chunks/txt/566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01.txt @@ -0,0 +1,83 @@ +• + +2 new edits with a severity of Warning + +• + +7 new edits with severity Fatal + +• + +• + +• + +• + +• + +11 edits with changing severity from +Warning-to-Fatal to Fatal + +3 new edits with a severity of Warning-to- +Fatal + +9 edits with changing severity from + +© 2024 Fannie Mae + +November 2023 + +Effective +Date + +Impacted +Area + +Version + +Description + +Nov 1 + +7.6.7 + +Selling Guide Announcement SEL-2023-09: Selling Guide +Updates and DU V. 11.1 Release I Nov. 18, 2023 + release notes clarified requirements for loans eligible for +value acceptance + property data. Lenders must receive +the Desktop Underwriter® (DU®) message stating that +Fannie Mae has received the property data collection (DU +message ID 3713) on the last DU submission. + +A new delivery edit D323 will fire in Loan Delivery and +EarlyCheck™ if a loan is delivered with SFC 774 and the +associated loan casefile did not receive DU message ID +3713 on the last DU submission.  This edit will be warning +from November 1 through November 30, 2023, to allow +lenders the opportunity to make any needed updates to +processes. Edit D323 will be moved to fatal severity on +December 1, 2023. + +Nov 17 + +LTV Ratios + +7.6.7 + +Effective November 17, 2023, EarlyCheck will update +eligibility criteria to reflect expanded access to credit and +provide support for affordable rental housing, the +maximum allowable LTV, CLTV, and HCLTV ratios for two- +to four-unit, principal residence, purchase and limited +cash-out transactions will be updated to 95%. This +change will not apply to high- +balance mortgage loans and loans that are manually under +written. + +File +Type + +Impact + +Warning-to-Fatal to Fatal diff --git a/chunks/txt/567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78.txt b/chunks/txt/567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78.txt new file mode 100644 index 0000000000000000000000000000000000000000..02908e3c873c82b53b612cb434c6d7f44dbf63d8 --- /dev/null +++ b/chunks/txt/567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78.txt @@ -0,0 +1,48 @@ +Limited Production Period: Lender Readiness Questionnaire + +The Lender Readiness Questionnaire must be completed by lenders who would like to obtain approval to submit the +redesigned Uniform Residential Appraisal Report (URAR) using the new UAD Specification MISMO V3.6 during the +Limited Production Period. Please complete the questionnaire and submit to UAD@FreddieMac.com, +UAD_Info@FannieMae.com and copy both of your GSE account representatives. + +N O T E : The Limited Production Period will begin Sept. 8, 2025, and runs through Jan 25, 2026 + +1. Organization + +Company Name: ____________________________________________________________________ + +Contact Name/Title: __________________________________________________________________ + +Email Address: ______________________________________________________________________ + +Requested Start Date for Limited Production Period:_________________________________________ + +My organization uses a proprietary loan origination system (LOS) + +Yes + +No + +If “NO” please list software product(s) used: + +___________________________________________________________________________________ + +Will you be submitting to both GSEs (note, this is not a requirement.)? If yes, select both GSE boxes. + +Fannie Mae + +Freddie Mac + +Fannie Mae Seller #(s)_________________ + +Freddie Mac Seller #(s)___________________ + +2. Operational Readiness + +1. Policy and Process Documentation: My organization has updated, created, and communicated the policy and + +process documentation to support my organization’s implementation of the redesigned URAR and updated UAD 3.6 +dataset. +☐ Yes + +☐ No diff --git a/chunks/txt/5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e.txt b/chunks/txt/5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf1570be46c28f69b1484c7cb8450d960d985454 --- /dev/null +++ b/chunks/txt/5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e.txt @@ -0,0 +1,100 @@ +4.043-4.046). + +Project Factors: Commercial Space + +Report +Field ID + +Report Label + +When to Include + +18.069 Commercial + +Space +(Detail) + +Required if the +property is in a +condominium, +cooperative, or +condop + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Commercial Space +Select Yes if +• +• + +There is commercial space in the project, or +The project’s building contains commercial space, even when the HOA +representing the residential owners is different from those representing +the commercial owners (see Example 2 below). + +Notes: +• +• + +• +• + +If No, “None” displays in the Commercial Space row. +Project amenities or commercial parking facilities are not included in the +calculation of commercial space. +Includes underground space other than parking. +Reference published guidelines by the GSEs, government agencies, or +other identified secondary market participants for specific guidance. + +Appendix F-1: URAR Reference Guide + +Page 195 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Project Factors: Commercial Space + +Report +Field ID + +Report Label + +When to Include + +18.069 Commercial + +Space +(Detail) + +Required if +Commercial Space is +Yes + +Allowable +Answers / Format + +Percent + +Definition / Additional Guidance + +Estimated Percentage of Commercial Space: The percentage of commercial +space in the project in which the subject unit is located, defined as Commercial +Square Footage / Square Footage of the Project Building(s) + +Example 1: The subject unit is in a 5-story condominium project. +• + +The first floor (10,000 square feet) contains a mixture of commercial +office and retail units. +The upper four floors (each 10,000 square feet) are all residential units. +The commercial, retail, and residential units are all within the subject’s +legal project. diff --git a/chunks/txt/56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880.txt b/chunks/txt/56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880.txt new file mode 100644 index 0000000000000000000000000000000000000000..51fb861a0035511fa90a694bb8fd8ce5254608c6 --- /dev/null +++ b/chunks/txt/56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/loss-mitigation" +date_accessed: "2026-01-27T17:54:20.509Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff.txt b/chunks/txt/5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..2214fdfbb298814a871355cf9b3cacadaf459c36 --- /dev/null +++ b/chunks/txt/5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff.txt @@ -0,0 +1,3 @@ +Contact Information ................................................................................................................................................................................................................... 86 + +Appraiser and Supervisory Appraiser ......................................................................................................................................................................................... 93 diff --git a/chunks/txt/567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a.txt b/chunks/txt/567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a.txt new file mode 100644 index 0000000000000000000000000000000000000000..033212f8c195ec8d7260b34ab9c76c953c76322f --- /dev/null +++ b/chunks/txt/567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a.txt @@ -0,0 +1,102 @@ +Shared Laundry Facilities + +An area of a structure containing washing machines and / or dryers that are designated for the cleaning and care of +clothing and linens. +Note: This is intended to be used for properties with more than one unit that have a shared laundry area. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Information About Specific Amenities + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Subject Property Amenities – Information About Specific Amenities + +14.003 Material + +Required if Subject +Property Amenity is +Balcony, Deck, +Gazebo, Inground +Pool, Patio or Porch, or +as needed + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Asphalt +Brick +Composite +Concrete +Fiberglass + +The predominant type of material used in construction. +• +• +• +• +• +• Metal +• +Natural Stone +• +Pavers +• +Vinyl +• Wood +• + +Other (Describe) + +14.004 Detail + +14.004 Detail + +Required if Subject +Property Amenity is +Indoor Fireplace or +Woodstove, or as +needed + +Required if Subject +Property Amenity is +Balcony, Deck, +Gazebo, Porch, or +Portico, or as needed + +Number + +Amenity Count: The number of the indicated Subject Property Amenity that are +present in the property (e.g., two fireplaces). +Note: If reporting other Detail 14.004 about the amenity, enter each amenity +separately. Do not use Amenity Count. + +Number of square +feet + +Amenity Area +The area of the amenity. Do not provide dimensions in this field. + +Appendix F-1: URAR Reference Guide + +Page 168 of 375 + +Version 1.3 + +Uniform Appraisal Dataset diff --git a/chunks/txt/56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988.txt b/chunks/txt/56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988.txt new file mode 100644 index 0000000000000000000000000000000000000000..51506b4d37753f9504f878b334c165b69347ccf5 --- /dev/null +++ b/chunks/txt/56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988.txt @@ -0,0 +1,94 @@ +ID + +Form Field +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +4.5.2 Does the loan + +…/LOAN_DETAIL + +BalloonIndicator + +True + +Represented as “YES” on form + +have these +features? + +You will have to +pay $150,000 at +the end of year +5 + +You will have to +pay $150,000 at +the end of year +5 + +4.5.3 + +4.5.3 + +c. MAPPI NG GUI DANCE + +BalloonPaymentAm +ount + +150000.00 + +Represented as “$150,000” on form + +…/MATURITY_RULE LoanMaturityPeriod + +60 + +Represented as “Year 5” on form + +Count + +LoanMaturityPeriod +Type + +Month + +Appendix E: UCD Implementation Guide + +Page 78 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +See V. Consolidated Mapping Guidance entry for “Terms / Time Periods.” + +d. FOR MORE I NFORMATI ON + +4.0 Ref §1026.38(b), pp. 80121, 80351; Cross reference to §1026.37(b), pp. 80114, 801121, 80333. + +4.1 Ref §1026.38(b), pp. 80121, 80351, 80004, 80055; Cross reference to §1026.37(b)(1), pp. 80121, 80114, + +79915, 79921. + +4.2 Ref §1026.38(b), pp. 80121; Cross reference to §1026.37(b)(2), pp. 80114, 80121, 80333-34, 79921-22, + +79995. + +4.3 Ref §1026.38(c), pp. 80121, 80004; (t)(4), p. 79921; Cross reference to §1026.37(b)(3), pp. 80114, 80121, + +80334, 80362, 79922-23. + +4.4 Ref §1026.38(b), pp. 80121; Cross reference to §1026.37(b)(4), pp. 80114, 80121, 88334-35, 79923-26. diff --git a/chunks/txt/5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9.txt b/chunks/txt/5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9.txt new file mode 100644 index 0000000000000000000000000000000000000000..31819cad9c3367a48bf56e67be3b758695274b31 --- /dev/null +++ b/chunks/txt/5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9.txt @@ -0,0 +1,29 @@ +### **Authorized verification report**supplier**s**[]() + +These companies have entered into an agreement with Fannie Mae to participate in the DU validation service. They generate the report and send the report data electronically to the DU validation service. + +### + +Income and Employment Verification Reports + +[Argyle](https://argyle.com/industries/mortgage/) + +[Blend Income](https://blend.com/products/features/income-verification/) + +[Equifax](https://www.equifax.com/business/mortgage) + +[Experian](https://www.experian.com/mortgage/mortgage-employment-verification) + +[Finicity, a Mastercard Company](https://www.finicity.com/mortgage) + +[Truework](http://www.truework.com/) + +[Truv](https://truv.com/) + +Asset Verification Reports + +[AccountChek by Informative Research*](https://www.informativeresearch.com/accountchek/) [Blend Labs](https://www.blend.com/) [Finicity, a Mastercard Company*](https://www.finicity.com/mortgage/) [Plaid](https://plaid.com/industries/mortgage/) [FinLocker](https://www.finlocker.com/) [PointServ*](https://www.pointserv.com/) [Truv*](https://truv.com/) *Provides supplemental asset verification reports + +Tax Transcript Reports + +[4506-Transcripts.com](https://www.privateeyesbackgroundchecks.com/) [Equifax](https://www.equifax.com/business/mortgage) [PointServ](https://www.pointserv.com/) [Advanced Data](https://www.advanceddata.com/) [Halcyon](https://www.halcyonsw.com/) [SharperLending LLC](https://www.sharperlending.com/) [Avantus Corp.](https://xactus.com/) [MeridianLink, Inc.](https://www.meridianlink.com/) [Veri-Tax](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) [CoreLogic](https://www.corelogic.com/) [NCS (National Credit-reporting System, Inc.)](https://www.ncstrv.com/) [DataVerify](https://www.dataverify.com/) [Partners Credit & Verification Solutions](https://www.partnerscredit.com/) diff --git a/chunks/txt/568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3.txt b/chunks/txt/568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3.txt new file mode 100644 index 0000000000000000000000000000000000000000..50b3e1fd24afcb58e44863e0b72a24ac118bc699 --- /dev/null +++ b/chunks/txt/568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3.txt @@ -0,0 +1,238 @@ +$257,500 + +Settled Sale + +— + +$249,750 + +$0 + +$0 + +$0 + +Mineral Rights + +Mineral Rights + +Mineral Rights + +Mineral Rights + +11,997 Sq. Ft. + +11,965 Sq. Ft. + +$0 + +43,560 Sq. Ft. + +$(15,000) + +43,560 Sq. Ft. + +$(15,000) + +Hawaiian Vista + +Hawaiian Parks + +$0 Ocean Vista Park + +$0 Ocean Vista Park + +Legal Nonconforming + +Legal + +$0 + +Legal + +$0 + +$0 + +$(15,000) + +$0 + +$0 + +Hazard Zone + +USGS Lava Flow Zone 2 + +None + +Landscaping + +$(2,000) + +None + +USGS Lava +Flow Zone 3 + +$(15,000) + +USGS Lava +Flow Zone 3 + +None + +Busy Roadway + +Busy Roadway +| Ocean + +$(25,000) + +Residential + +$(5,000) + +Residential + +$(5,000) + +Residential | Full + +Residential | Full + +Residential | Full + +Residential | Full + +Legal +Nonconforming + +USGS Lava +Flow Zone 2 + +1985 | 1985 + +2005 | 1992 + +$(5,000) + +1946 | 1940 + +$10,000 + +1992 + +Gross Building Finished Area + +1,728 Sq. Ft. + +2,790 Sq. Ft. + +$0 + +1,288 Sq. Ft. + +$0 + +1,456 Sq. Ft. + +Disaster Mitigation + +Impact Resistant Glass + +Impact Resistant +Glass + +None + +$5,000 + +Heating + +Unit(s) + +None + +None + +None + +Impact Resistant +Glass + +None + +Structure ID | Unit ID + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Bedrooms + +Baths - Full | Half + +Finished Area Above +Grade + +2 + +1 | 0 + +2 + +1 | 0 + +3 + +1 | 0 + +$0 + +2 + +1 | 0 + +864 Sq. Ft. + +864 Sq. Ft. + +612 Sq. Ft. + +$8,800 + +728 Sq. Ft. + +$4,750 + +Finished Area Below Grade + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Structure ID | Unit ID + +Building 2 | Unit 2 + +Building 2 | Unit 2 + +Building 2 | Unit 2 + +Building 1 | Unit 2 + +Bedrooms + +Baths - Full | Half + +Finished Area Above +Grade diff --git a/chunks/txt/568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e.txt b/chunks/txt/568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e.txt new file mode 100644 index 0000000000000000000000000000000000000000..f36b2fa7db3f67150daffc139a30f36e138911f3 --- /dev/null +++ b/chunks/txt/568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e.txt @@ -0,0 +1,38 @@ +• Reduce revisions – appraisers can check UAD 3.6 compliance rules with each GSE within their appraisal +software before sending you the appraisal report, reducing the need to send revisions back and forth. + +In addition, as an early adopter you’ll receive hands-on, high-touch support from each GSE while you transition to +UAD 3.6 and the redesigned URAR with your vendors and appraisers. + +When does the Limited Production Period Start? + +The Limited Production Period begins on September 8, 2025, and runs through January 25, 2026. Lenders may +complete the Questionnaire at any time before or during the Limited Production Period; there is no deadline to join +the Limited Production Period. + +Limited Production Period Requirements + +What is required to participate in the Limited Production Period? + +The most important thing is being ready. It’s imperative that you, your vendors, and appraisal management +companies/appraisers are ready to use UAD 3.6 and URAR. + +© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. + +1 of 3 + +Here’s a list of things to help ensure readiness: + +• Review the Lender Readiness Kit. Make sure you’ve thought of the potential impacts to your business and + +have addressed them. + +Implement necessary operational changes to account for new processes. + +• +• Use the industry training to make sure your staff are educated about UAD 3.6 and the redesigned URAR + +and are ready to use them. diff --git a/chunks/txt/569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746.txt b/chunks/txt/569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746.txt new file mode 100644 index 0000000000000000000000000000000000000000..da03ae80167890fd51057a03d9e7fbe8f5c242d3 --- /dev/null +++ b/chunks/txt/569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746.txt @@ -0,0 +1,39 @@ +Integrated systems that parse the DocumentationLevelCodes attribute returned in the DU Codified Findings (XML file) will require +updates to support the new codes. + +Parent Element + +Attribute Name + +Value + +Description + +DocumentationLevelCodes RequiredDocumentationLevelCode 304 + +One-year personal tax returns + +DocumentationLevelCodes RequiredDocumentationLevelCode 355 + +One-year business tax returns + +DocumentationLevelCodes RequiredDocumentationLevelCode 356 + +Two-year business tax returns + +Release Support + +The DU Version 11.1 Nov. Update will be implemented in the DU integration environment on or around Oct. 25, 2023. + +As required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae +Services no later than 120 days after the date the related Specifications are made available. If your product or interface is unable +to support the release in accordance with this timeline, please notify your Fannie Mae representative. Note: There are no changes +to the DU Specification for this release. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. + +© 2023 Fannie Mae 10.4.23 + +2 of 2 diff --git a/chunks/txt/56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b.txt b/chunks/txt/56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b.txt new file mode 100644 index 0000000000000000000000000000000000000000..96266d17f5f2598bf50ed1de4c0c45f98990731a --- /dev/null +++ b/chunks/txt/56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b.txt @@ -0,0 +1,27 @@ +UAD Compliance API Early Access + +March 29, 2024 + +In support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Fannie Mae and Freddie Mac (the +GSEs) have each developed a new UAD Compliance application programming interface (API). + +The GSEs’ APIs will help ensure users meet compliance with the UAD v3.6 specification and provide efficiency in the +appraisal process while reducing the need for appraisal resubmissions to UCDP. It does this by validating the UAD v3.6 +appraisal XML against the UAD v3.6 Compliance Rules, which can be accessed here, prior to submission to the Uniform +Collateral Data Portal® (UCDP®). The API will validate that the XML is well-formed, will perform a UAD v3.6 schema +validation, and will verify required-ness, data type, and format. + +We’re providing you with early access to each GSE’s API so that you can integrate and test your connectivity to it. We’ll +provide sample test cases as part of the onboarding process so that you may validate your UAD v3.6 appraisal XML +build prior to introducing it to the market when the new UAD is made broadly available to the industry in 2026. + +If you are interested in an integration to the UAD compliance API, please complete the Vendor Integration +Profile Form through the link below. Once you are ready, follow the instructions at the bottom of the form to +submit the request to integrate. We will review your information and contact you with next steps including +contractual requirements and credential-setup to access our API Developer Portal. + +Vendor Integration Profile Form + +Note: On page 3 of the form, select “API Access” and then input “UAD Compliance API” in the next question. This form is +used for integration requests to many Fannie Mae solutions, so leave blank any fields that are not relevant to your +business. diff --git a/chunks/txt/56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9.txt b/chunks/txt/56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e60013f8182c4e9ad4d550316e2b47e8f784c09 --- /dev/null +++ b/chunks/txt/56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9.txt @@ -0,0 +1,42 @@ +- [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - … + - [Next](?page=1) + - [Last](?page=20) + +If you have questions about the Suspended Counterparty Program generally, or about a specific action listed below, please direct your inquiry to the following address: [SuspendedCounterpartyProgram@fhfa.gov](mailto:SuspendedCounterpartyProgram@fhfa.gov). + +Last updated on January 20, 2026 + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee.txt b/chunks/txt/56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..1946aae7ace98f8497ad3316d3fe2adbd3ec8a74 --- /dev/null +++ b/chunks/txt/56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee.txt @@ -0,0 +1,142 @@ +This section does not have any +images associated with it. + +Graph. See 17.017 + +Graph. See 17.017 + +Graph. See 17.017 + +Graph. See 17.017 + +Graph. See 17.017 + +Appendix F-1: URAR Reference Guide + +Page 21 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Section +# + +Section Name +(Black Tab) + +Photo or Image +(Predefined Caption or +Gray Bar) + +Is there an Additional +Caption +(Free-form Text)? + +Is the Photo or Image +Required? + +Additional Guidance + +17 + +Market +(Continued) + +Market Exhibits + +Required for each photo or +image + +18 + +Project +Information + +Common Amenity or +Service + +Observed Deficiency + +Project Information +Exhibits + +19 + +Subject +Listing +Information + +Subject Listing +Information Exhibits + +20 + +Sales Contract + +Sales Contract Exhibits + +21 + +22 + +Prior Sale and +Transfer +History + +Sales +Comparison +Approach + +Prior Sale and Transfer +History Exhibits + +Property Photo (Subject +and Comparables) + +Sales Comparison Map + +Required, including the +amenity type, location, and +any other descriptive +information as appropriate +Required, including the +specific deficiency, location, +and any other descriptive +information as appropriate +Required for each photo or +image + +Required for each photo or +image + +Required for each photo or +image +Required for each photo or +image + +If additional photos of comps +are provided, a caption +should be provided to further +describe the photo + +Sales Comparison +Approach Exhibits + +Required for each photo or +image + +23 + +Rental +Information + +Property Photo (Subject +and Comparables) + +If additional photos of comps +are provided, a caption +should be provided to further +describe the photo diff --git a/chunks/txt/56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9.txt b/chunks/txt/56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d330079f27d03fa707495e5ccff15618a8ad322 --- /dev/null +++ b/chunks/txt/56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9.txt @@ -0,0 +1,196 @@ +GSE Below Grade +Finish Square Feet +Number + +The total finished area of the property +below grade. + +256 + +2 + +e-20 + +SALES +COMPARISON +APPROACH + +Basement & Finished +(line 1) + +(Basement Exit Type) + +GSE Basement Exit +Type + +The type of exit for a basement. +Describes how the basement can be +accessed. + +257 + +2 + +e-21 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(line 2) + +(Below Grade Rec Room Count) + +GSE Below Grade +Recreation Room +Count + +The number of recreation rooms below +grade. + +258 + +2 + +e-22 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(line 2) + +(Below Grade Bedroom Count) + +GSE Below Grade +Bedroom Room +Count + +The number of bedrooms below grade. + +259 + +2 + +e-23 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(line 2) + +(Below Grade Bathroom Count) + +GSE Below Grade +Bathroom Room +Count + +The number of bathrooms below grade. + +260 + +2 + +e-24 + +SALES +COMPARISON +APPROACH + +(Below Grade Other Room +Count) + +GSE Below Grade +Other Room Count + +The number of finished rooms other than +recreation rooms, bedrooms, and +bathrooms in the below grade space. + +Rooms Below Grade +(line 2) + +261 + +262 + +263 + +264 + +2 + +2 + +2 + +2 + +34 + +35 + +36 + +37 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Functional Utility + +Heating/Cooling + +Energy Efficient Items + +Garage/Carport + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) diff --git a/chunks/txt/56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b.txt b/chunks/txt/56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4140c52d281eae6d86a94aab9fea4929ce64cef5 --- /dev/null +++ b/chunks/txt/56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b.txt @@ -0,0 +1,18 @@ +Note: Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are +necessary for costs that are normally paid by sellers as a result of tradition or law in a market area; these costs are readily +identifiable because the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be +made to the comparable property by comparisons to financing terms offered by a third-party institutional lender that is not +already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost of +the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing +or concessions. + +Alternate Opinion(s) of Value + +At times, the lender may need the appraiser to provide an alternate opinion of value. These situations include but are not limited +to a quick sale (liquidation) value, resale restrictions (e.g., affordable housing units), or a loan program that requires a “subject +to” and “as is” value. Each alternate opinion of value must be completed in accordance with USPAP and reported within the +Client Requested Conditions subsection within the Reconciliation section of the URAR. For more information see SB4-1.3-11, +Valuation Analysis and Reconciliation. + +When providing an alternate opinion of value, the appraiser must identify the corresponding value condition, marketing or +exposure time, and duration. In addition, the appraiser must explain, support, and reconcile their alternate value opinion in the diff --git a/chunks/txt/56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236.txt b/chunks/txt/56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236.txt new file mode 100644 index 0000000000000000000000000000000000000000..e9f0d328480c344954169fbe83a84ad20031c22a --- /dev/null +++ b/chunks/txt/56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236.txt @@ -0,0 +1,50 @@ +ADDRESS OF PROPERTY APPRAISED +19 ___________________________________________________ +20a, 20b, 20c __________________________________________ +APPRAISED VALUE OF SUBJECT PROPERTY $ 21 __________ + +LENDER/CLIENT +Name 22 _____________________________________________ +Company Name 23 _____________________________________ +Company Address 24____________________________________ + ______________________________________ +Email Address 26 _______________________________________ + +SUPERVISORY APPRAISER (ONLY IF REQUIRED) + +Signature ___________________________________________ +Name 27___________________________________________ +Company Name 28 __________________________________ +Company Address 29 _________________________________ + 30a, 30b 30c ________________________ +Telephone Number 31 ________________________________ +Email Address 32 ____________________________________ +Date of Signature 33 _________________________________ +State Certification # 34 ________________________________ +or State License # 35 _________________________________ +State 36 ___________________________________________ +Expiration Date of Certification or License 37 ______________ +SUPERVISORY APPRAISER + +SUBJECT PROPERTY + +Did not inspect subject property +38 +39 + Did inspect exterior of subject property from street + +Date of Inspection 40 ______________________________ + +Did inspect interior and exterior of subject property +41 + +Date of Inspection 42 ______________________________ + +COMPARABLE SALES + +Did not inspect exterior of comparable sales from street +43 + Did inspect exterior of comparable sales from street +44 + +Date of Inspection 45 ______________________________ diff --git a/chunks/txt/56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff.txt b/chunks/txt/56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..779a373c793f5c6bcc04cf3c92bca3d36c03356c --- /dev/null +++ b/chunks/txt/56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff.txt @@ -0,0 +1,113 @@ +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +AdverseSiteConditions']/@_Comment + +4000 + +String + +This field should describe adverse site conditions, etc. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +127 + +128 + +129 + +130 + +131 + +132 + +133 + +134 + +135 + +136 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +If an Alley exists, at least one of fields +1-118, 1-119 (values of Property Off +Site Improvement Ownership Typ)e +should be indicated. + +If an Alley exists, at least one of fields +1-118, 1-119 (values of Property Off +Site Improvement Ownership Typ)e +should be indicated. + +One and only one of fields 1-120, 1- +121 (values of GSE Special Flood +Hazard Area Indicator) should be +indicated. + +One and only one value of fields 1-120, +1-121 (values of GSE Special Flood +Hazard Area Indicator) should be +indicated. + +This field should be populated if a +FEMA map exists for the area. + +If field 1-122 (GSE NFIP Flood Zone +Identifier) has a value that does not +equal 'None', this field should be +populated. + +If field 1-122 (GSE NFIP Flood Zone +Identifier) has a value that does not +equal 'None' then it should be +populated. + +One and only one of fields 1-125, 1- +126 (values of Property Analysis Exists +Indicator and Property Analysis Type = +'UtilitiesAndOffSiteImprovementsConf +ormToNeighborhood') should be +indicated +One and only one of fields 1-125, 1- +126 (values of Property Analysis Exists +Indicator and Property Analysis Type = +'UtilitiesAndOffSiteImprovementsConf +ormToNeighborhood') should be +indicated +If field 1-126 (Property Analysis Exists +Indicator = 'N' and Property Analysis +Type = +'UtilitiesAndOffSiteImprovementsConf +ormToNeighborhood') is indicated, this +field should be populated. diff --git a/chunks/txt/56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa.txt b/chunks/txt/56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa.txt new file mode 100644 index 0000000000000000000000000000000000000000..f49bbac85507099e724577a33112a49423f3426f --- /dev/null +++ b/chunks/txt/56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa.txt @@ -0,0 +1,178 @@ +300 Sq. Ft. + +$0 + +$0 + +$0 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Foundation + +Roof + +Condition + +Interior Quality and Condition + +Quality + +Kitchen + +Q3 + +Cement Board + +Basement + +Composition + +C1 + +Q3 + +Q3 + +Cement Board + +Basement + +Composition + +C1 + +Q3 + +Commercial Grade +Appliances + +Commercial Grade +Appliances + +Overall Bathrooms + +Mixture of Tile and Granite + +Mixture of Tile and Granite + +Overall Flooring + +Nylon Short Loop and +Engineered Wood + +Nylon Short Loop and +Engineered Wood + +Walls and Ceiling + +9 Ft. and 10 Ft. | Custom + +9 Ft. | Custom + +Condition + +C1 + +C1 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Q3 + +C1 + +Q3 + +C1 + +Whole Home + +Indoor Fireplace - 2 + +Patio | Porch + +$(2,000) + +Deck | Patio +| Porch + +Indoor +Fireplace - 2 + +Vehicle Storage + +Type | Spaces | Detail + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +Driveway | 4 | Asphalt +Garage | 3 | Attached 626 Sq. Ft. + +Driveway | 4 | Asphalt +Garage | 3 | Attached + +$895,000 + +$895,000 + +$915,000 + +— + +— + +$(2,000) + +$590 + +$913,000 + +Most + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$900,000 + +Reconciliation of Sales Comparison Approach + +All 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. diff --git a/chunks/txt/56f1c29d0466cedb735a21e2a8e2e0c0fb5d59be36d15ebb03d66ec548a49be0.txt b/chunks/txt/56f1c29d0466cedb735a21e2a8e2e0c0fb5d59be36d15ebb03d66ec548a49be0.txt new file mode 100644 index 0000000000000000000000000000000000000000..fda6dc51804f28adc8c625c5da51e49b8c69ad06 --- /dev/null +++ b/chunks/txt/56f1c29d0466cedb735a21e2a8e2e0c0fb5d59be36d15ebb03d66ec548a49be0.txt @@ -0,0 +1 @@ +if (window.ytcsi) {window.ytcsi.tick('gcc', null, '');} ytcfg.set({"CSI_SERVICE_NAME": 'youtube', "TIMING_INFO": {}}) if (window.ytcsi) {ytcsi.infoGel({serverTimeMs: 241.0 }, '');} diff --git a/chunks/txt/56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b.txt b/chunks/txt/56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef5327a29e13b2160224c685824b3507285f9a80 --- /dev/null +++ b/chunks/txt/56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b.txt @@ -0,0 +1,58 @@ + + + +Condition and Quality Rating Definitions + +Page 3 of 5 + +Version 1.0 + +Uniform Appraisal Dataset + +Quality Rating Definitions + +This chart shows the definitions for + Overall Quality rating + + Exterior Quality, including doorways, fenestration, architectural details, roof design, and exterior walls + +Interior Quality, including room size, ceilings, trim, floor material, kitchen, and bathrooms + +Quality ratings describe the quality of a property as of the effective date of the appraisal on an absolute basis, +not on a relative basis or how a property relates to other properties. + +Quality Rating Definitions +In each category, the property must meet the majority of the criteria listed but does not have to meet all criteria. + +Rating + +Overall Quality Rating + +Interior Quality Rating + +Exterior Quality Rating + +The dwelling is an individually designed, +one‐of‐a‐kind structure built to exacting +standards. Q1 features exceptional +quality materials and luxury amenities, +and exhibits the highest quality of +workmanship and complexity in +architectural design. The dwelling +features a high degree of refinement +and ornamentation that requires +specialized construction or installation. +A Q1 dwelling is recognized as being +very rare or even non‐existent in some +communities. + +The dwelling is a high‐quality structure, +often using customized or complex, +commercially available plans. The +materials and amenities have extended +life expectancy, high energy efficiency, +and greater detail, ornamentation, or +custom finishes. A Q2 dwelling can +contain a mixture of upgraded, high‐end +and luxury materials, constructed with +high‐quality workmanship. diff --git a/chunks/txt/56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9.txt b/chunks/txt/56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9.txt new file mode 100644 index 0000000000000000000000000000000000000000..88a75d250b0195145a54072059d3c9ad4e988e5a --- /dev/null +++ b/chunks/txt/56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Single-Family Guarantee Fees Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Single-Family Guarantee Fees Report + +Section 1601 of the Housing and Economic Recovery Act of 2008 (HERA) requires the Federal Housing Finance Agency (FHFA) to conduct an ongoing study of the guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises) for guaranteeing a mortgage. HERA further requires that FHFA annually submit a report to Congress on the results of its guarantee-fee study. HERA requires the report to contain an analysis of the average guarantee fee and a breakdown by product type, risk class, and seller size. Finally, HERA requires that the report reflect an analysis of the costs associated with providing guarantees and an analysis of any increase or decrease in guarantee fees from the preceding year. In this report, FHFA identifies and analyzes annual single-family guarantee fees charged by the Enterprises. This report presents yearly changes in the Enterprises’ guarantee fees with the preceding year. diff --git a/chunks/txt/5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed.txt b/chunks/txt/5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..f879d700d365269f59e5e59eb4ee282c4ef6c99b --- /dev/null +++ b/chunks/txt/5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed.txt @@ -0,0 +1,13 @@ +enterprise: 2 | record_num_sf_nfc: 20000001 | tract_minority_cat: 3 | 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: 718000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000002 | tract_minority_cat: 3 | 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: 641000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000003 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 1 | ltv_cat: 2 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 90000 | rate_orig_cat: 8 | term_orig_cat: 2 | term_amort_cat: 2 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000004 | tract_minority_cat: 1 | 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: 495000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000005 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 2 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 351000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000006 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 215000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 2 | repurchased_pct: 1.0000 +enterprise: 2 | record_num_sf_nfc: 20000007 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 214000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000008 | 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: 255000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000009 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 260000 | rate_orig_cat: 7 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000010 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 1 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 58000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000011 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 295000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000012 | tract_minority_cat: 1 | tract_income_cat: 1 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 199000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 2 | record_num_sf_nfc: 20000013 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 1 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 2 | product: 1 | diff --git a/chunks/txt/571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef.txt b/chunks/txt/571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..f41b7c00ce8b9ee636b838a41f5edae1b66e0193 --- /dev/null +++ b/chunks/txt/571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef.txt @@ -0,0 +1,28 @@ +20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that +ordered and will receive this appraisal report. + +Freddie Mac Form 465D April 2022 + +Page 5 of 6 + +Fannie Mae Form1073 Desktop April 2022 + +Individual Condominium Unit Appraisal Report (Desktop) + +File # + +21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the +borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other +secondary market participants; data collection or reporting services; professional appraisal organizations; any department, +agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to +obtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal +report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public +relations, news, sales, or other media). + +22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain +laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice +that pertain to disclosure or distribution by me. + +23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage +insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part +of any mortgage finance transaction that involves any one or more of these parties. diff --git a/chunks/txt/571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27.txt b/chunks/txt/571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8ec7ae124a28a365fc6e631ce86a4226ac0b119 --- /dev/null +++ b/chunks/txt/571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27.txt @@ -0,0 +1,62 @@ +FHFA has adopted an Order that +implements the changes required by +HERA by revising the single-family + +matrix in FHFA’s Public Use Database +(PUDB) to include data fields for the +high-cost single-family securitized loans +data in a new National File C, effective +for 2010 and beyond. The Order also +makes technical changes to the single- +family and multifamily data matrices of +the PUDB, effective for 2010 and +beyond, to conform the data fields to +existing PUDB data reporting practices +and HERA changes. This Notice of +Order sets forth FHFA’s Order with +accompanying Appendix containing the +revised single-family and multifamily +matrices, and describes the new and +revised data fields. +DATES: Effective Date of the Order: The +Order with accompanying Appendix is +effective on September 21, 2011. +FOR FURTHER INFORMATION CONTACT: For +questions on data or methodology, +contact: Brian Doherty, Supervisory +Policy Analyst, (202) 408–2991, or Ian +Keith, Senior Program Analyst, (202) +408–2949, Office of Housing & +Regulatory Policy, 1625 Eye Street, NW., +Washington, DC 20006. +mailto:Ian.Keith@fhfa.gov. For legal +questions, contact: Sharon Like, +Managing Associate General Counsel, +(202) 414–8950, Office of General +Counsel, 1700 G Street, NW., Fourth +Floor, Washington, DC 20552. These are +not toll free numbers. The telephone +number for the Telecommunications +Device for the Hearing Impaired is (800) +877–8339. +SUPPLEMENTARY INFORMATION: + +I. Background + +A. The Enterprises + +The Enterprises are government- +sponsored enterprises chartered by +Congress for the purpose of establishing +secondary market facilities for +residential mortgages. See 12 U.S.C. +1716 et seq.; 12 U.S.C. 1451 et seq. +Congress established the Enterprises to +provide stability in the secondary +market for residential mortgages, +respond appropriately to the private +capital market, provide ongoing +assistance to the secondary market for +residential mortgages, and promote +access to mortgage credit throughout the +nation. Id. diff --git a/chunks/txt/57258829a45bd300b39ef371262e4cbc7e3300debdb65611ac46e20d5efcabc7.txt b/chunks/txt/57258829a45bd300b39ef371262e4cbc7e3300debdb65611ac46e20d5efcabc7.txt new file mode 100644 index 0000000000000000000000000000000000000000..519075dfce3987e068c7f81fb2a43faec15dcc97 --- /dev/null +++ b/chunks/txt/57258829a45bd300b39ef371262e4cbc7e3300debdb65611ac46e20d5efcabc7.txt @@ -0,0 +1,42 @@ +3.027 + +AbilityToRepayMethodType + +General + +…/QUALIFIED_MORTGAGE/QUALIFIED_MORTGAGE_DETAIL/EXTENSION/OTHER + +3.031 + +gse:QualifiedMortgageShortResetARM_APRPercent + +10.1310 + +Since May 1, 2023, the data point gse:QualifiedMortgageShortResetARM_APRPercent data point has been required for +all ARMs meeting the following definition: The annual percentage rate for the loan based on the accepted industry standard +defined by Regulation Z (Section 12 C.F.R. § 1026.43(e)(2)(iv)) used for QMs that have an interest rate change within the first +five years after the date on which the first regular periodic payment is due (e.g., 3/6 and 5/6 SOFR-indexed ARMs). + +The Revised QM Rule’s APR-APOR threshold test adds an APR data requirement for adjustable-rate QM loans that have +an interest rate change within the first five years. Lenders must use the maximum interest rate that could apply during the +first five years after the first payment is due when calculating the qualifying spread rate. + +gse:QualifiedMortgageShortResetARM_APRPercent with a value greater than “0” is required only when AmortizationType + += “AdjustableRate” and FirstRateChangeMonthsCount is less than or equal to “60”. + +Figure 74 illustrates a mortgage that adjusts in 5 years, so meets the definition of a QM short reset ARM. It is followed by +an XML Snippet showing how the required gse:QualifiedMortgageShortResetARM_APRPercent data point must be +represented in the XML file. + +UCD v2.0 Implementation Guide + +- 107 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 74. ARM Adjusting within First 5 Years. diff --git a/chunks/txt/573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63.txt b/chunks/txt/573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63.txt new file mode 100644 index 0000000000000000000000000000000000000000..829b9efddfacd9c07984d9fa17b8392b6e6a5732 --- /dev/null +++ b/chunks/txt/573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63.txt @@ -0,0 +1,99 @@ +6 + +Detail +Detached +400 Sq. Ft. + +Gravel + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Subject Property Amenities + +Amenity Category +Water Features + +Subject Property Amenity +Outdoor Shower + +Material + +Detail +Total Number - 2 + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Commentary + +Each unit has its own outdoor shower. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality - Building 1 +Interior Quality - Unit 1 + +Exterior Quality - Building 2 +Interior Quality - Unit 2 + +Q5 +Q5 +Q5 + +Q5 +Q5 + +Overall Condition + +Exterior Condition - Building 1 +Interior Condition - Unit 1 + +Exterior Condition - Building 2 +Interior Condition - Unit 2 + +C4 +C4 +C4 + +C4 +C4 + +Reconciliation of Overall Quality and Condition + +The 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. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 13 of 29 +Page 13 of 29 + +Highest and Best Use + +Is the present use of the subject property … + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   diff --git a/chunks/txt/5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9.txt b/chunks/txt/5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9.txt new file mode 100644 index 0000000000000000000000000000000000000000..c64d0c42005663752de0e7a8f4cbb33508235f80 --- /dev/null +++ b/chunks/txt/5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9.txt @@ -0,0 +1,147 @@ +Uniform Residential Appraisal Report + +Page 11 of 26 +Page 11 of 26 + +Unit Interior - Building 1 - Unit D + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +Level and Room Detail + +1,190 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Floor Number +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +2 +Tenant +Yes +2 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail + Above Grade + +Finish +Finished + +Area +1,190 Sq. Ft. + +Room Summary +2 - Bath - Full +2 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Not Updated + +Not Updated + +Time Frame + +Quality Comment + +Condition Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit D) + +None + +Unit Interior Exhibits + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 diff --git a/chunks/txt/5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3.txt b/chunks/txt/5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3.txt new file mode 100644 index 0000000000000000000000000000000000000000..41b75b7bbd13a01b7b68a567415a2aed47c31b7b --- /dev/null +++ b/chunks/txt/5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3.txt @@ -0,0 +1,54 @@ +October 30, 2025 + +## [Annual Housing Report - 2025 (covers activities 1/2024 - 12/2024)](/reports/annual-housing-report/2025) + - FHFA House Price Index® + +October 28, 2025 + +## [U.S. House Price Index - October 2025](/reports/house-price-index/2025/10) + - No FEAR Report + +October 28, 2025 + +## [No Fear Act Data - Fourth Quarter 2025](/reports/no-fear-act/2025/Q4) + - FHLBank Targeted Mission Activities + +October 15, 2025 + +## [2024 Federal Home Loan Bank Targeted Mission Report](/reports/fhlbank-targeted-mission-activities/2024) + - Foreclosure Prevention, Refinance, and FPM Report + +October 9, 2025 + +## [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/7) + - FHFA House Price Index® + +September 30, 2025 + +## [U.S. House Price Index - September 2025](/reports/house-price-index/2025/9) + - FHFA AI Compliance Plan + +September 30, 2025 + +## [FHFA 2025 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2025) + - Prepayment Monitoring Report + +September 26, 2025 + +## [Prepayment Monitoring Report Second Quarter 2025](/reports/prepayment-monitoring-report/2025/Q2) + - Foreclosure Prevention, Refinance, and FPM Report + +September 18, 2025 + +## [Foreclosure Prevention, Refinance, and FPM Report - 2Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q2) + - Enterprise Non-Performing Loan Sales Report + +September 12, 2025 + +## [Enterprise Non-Performing Loan Sales Report - December 2024](/reports/enterprise-non-performing-loan-sales-report/2024-12) + - FHFA House Price Index® + +August 26, 2025 + +## [U.S. House Price Index Report - 2025 Q2](/reports/house-price-index/2025/2) + - Information Resources Management Strategic Plan diff --git a/chunks/txt/57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476.txt b/chunks/txt/57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed8a31acfb4d278656fddc83ff19cc9274370369 --- /dev/null +++ b/chunks/txt/57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476.txt @@ -0,0 +1,13 @@ +## 11. Agency Name and Official Seal Permissions + +Federal law prohibits the use of any symbol, emblem, seal, insignia or badge of FHFA or any colorable imitation of such words, initials, symbols, emblems, or seals in connection with any advertisement, solicitation, business activity, or product where such use could be interpreted as conveying the impression that such advertisement, solicitation, business activity, or product is in any manner approved, endorsed, sponsored, or authorized by, or associated with FHFA. + +All services that use data developed by FHFA must prominently display the following notice with the application: “This product uses FHFA data but is neither endorsed nor certified by FHFA.” You may use FHFA’s name or logos (*e.g.*, “Source: FHFA®”) to identify the source of the content, subject to this Privacy Policy. + +## 12. Links to Other Websites + +This website contains hypertext links to information created and maintained by other organizations. These links to external websites are provided for your convenience. FHFA does not control nor guarantee the accuracy, relevance, timeliness, or completeness of any information on these other links/websites. If you go to other websites through these links, our privacy and security policy will no longer apply and you will be subject to the privacy and security policy of the new websites. If you click a link to a non-government external website, you will be notified by an exit message/pop up message. + +## 13. Social Media + +In order to encourage greater public participation, collaboration, and transparency, FHFA currently maintains official accounts on commercial social media sites, including Facebook, YouTube, LinkedIn, and X (formerly known as Twitter). FHFA does not own or operate these sites. These sites are owned, controlled, and operated by non-government third parties. FHFA does not collect, maintain, or disseminate information posted by visitors to these sites. Additionally, FHFA does not endorse or control the comments or opinions provided by visitors to these sites. FHFA may, however, remove posts that do not meet the agency’s guidelines for social media comments. diff --git a/chunks/txt/57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc.txt b/chunks/txt/57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7748f05e62b7550ec3aa24ff3283352df6b03bf --- /dev/null +++ b/chunks/txt/57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc.txt @@ -0,0 +1,25 @@ +DU will include the value provided in the total income and issue a verification message reminding the lender to confirm the +restricted stock units have vested and have been distributed to the borrower without restrictions, and that the income is +calculated and documented in accordance with the Fannie Mae Selling Guide. + +Updates to Align with the Selling Guide + +Mortgage Insurance Requirements for properties in New York + +Selling Guide Announcement SEL-2025-02 clarified that for purchase transactions on co-op properties in New York state if +mortgage insurance is required based on the sales price, but the appraised value results in an LTV ratio of 75% or less, mortgage +insurance should not be added to the loan. The DU message issued requiring the lender to determine if mortgage insurance is +required based on New York laws and regulations will be updated to include this clarification. + +Interested Party Contributions + +Selling Guide Announcement SEL-2025-03 updated the maximum financing concession determination to be calculated using the +lower of the sales price or appraised value. DU will be updated to also use the lower of the sales price or appraised value, instead +of only the sales price. + +Multiple Financed Properties + +DU applies the multiple financed properties policy specified in the Selling Guide to second home and investment property loan +casefiles. When Commercial, Multifamily, Land, or Farm is provided in the Other Description field in Section 3: Real Estate Owned +in the Property Information section, DU will not include that specific property when applying the multiple financed properties +guidelines. diff --git a/chunks/txt/57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc.txt b/chunks/txt/57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc.txt new file mode 100644 index 0000000000000000000000000000000000000000..de02caa4c4b4ce9d9d4d182f2d128b96a7a23d83 --- /dev/null +++ b/chunks/txt/57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc.txt @@ -0,0 +1,40 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - [Dashboards](/data/dashboard) + - Mortgage Loan and Natural Disaster Dashboard + +# Mortgage Loan and Natural Disaster Dashboard + +[![Dashboard ](https://public.tableau.com/static/images/FH/FHFAMortgageLoanandNaturalDisasterDashboard/Dashboard/1_rss.png)](#) diff --git a/chunks/txt/57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8.txt b/chunks/txt/57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ea0defa20e51785b25ae74fd14d7f54bbe80825 --- /dev/null +++ b/chunks/txt/57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8.txt @@ -0,0 +1,72 @@ +Public Street +Collector Street | Asphalt +Yes + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 3 of 18 +Page 3 of 18 + +Site (continued) + +Site Influence + +Influence +Apparent Environmental +Condition + +Proximity +Offsite | 1 Mile + +Detail +Hazardous Substances + +Impact +Neutral + +Body of Water + +Offsite + +River + +Beneficial + +Comment +Rainwater runoff can +carry pesticides, plastics, +wastewater, and agricultural +runoff that is released into +the Potomac. + +The Potomac River is +approximately 1 mile from +the subject’s location. + +Site Influence Commentary The site is located approximately one mile from the Potomac River. This location provides beneficial water views +for units located above the third floor, on the side of the buildings facing the river. Units on the opposite side of the building do not have water +views. In regards to the environmental condition, pollutants have been identified and can contain Endocrine Disruptors (EDCs) that are not +completely removed in treatment plants. During periods shortly after heavy rainstorms, the residents in the area are advised not to swim in +the Potomac River due to these hazards. Even so, there is no measurable adverse impact on marketability or values concerning the subject. +The demand for housing in the subject’s market has remained consistent over the years. + +View and Impact to Value/Marketability + +View +Parking Lot (Primary) + +City Street + +Range of View +Full + +Partial + +Impact +Neutral + +Neutral + +View Commentary Additional commentary can be added here, if needed by Appraiser. diff --git a/chunks/txt/57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45.txt b/chunks/txt/57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45.txt new file mode 100644 index 0000000000000000000000000000000000000000..c36e3c142ab9dc3ffdeab956072d2bd8f810a607 --- /dev/null +++ b/chunks/txt/57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45.txt @@ -0,0 +1,81 @@ +18.1, cont’d  will not have an escrow account because  you declined it  your lender +does not offer one. You must directly pay your property costs, such as taxes +and homeowner’s insurance. Contact … + +No Escrow + +18.6 Estimated +Property Costs +over Year 1 + +$5,261.76 + +Estimated total amount over year 1. You must pay +these costs directly, possibly in one or two large +payments a year. + +18.7 Escrow Waiver +Fee + +$250.00 + +In the future, +Your property costs may change and, as a result, your escrow payment may change. ….. + +Figure 113. No Escrow Account + +Certain fields in the Escrow Account section must reconcile to the following Closing Disclosure fields: + +18.1 While EscrowIndicator is also used to support 5.4 in the Projected Payments table, it is included in the + +UCD XML file only once. + +18.6 Estimated Property Costs over Year 1 = [(5.6.1 ETI&A + 5.3.1 Mortgage Insurance) less Escrowed + +Property Costs)] * 12] = $438.48 – 0) *12 = $5,261.76. + +Appendix E: UCD Implementation Guide + +Page 194 of 254 + +Version 1.4 + +Uniform Closing Dataset + +18.0 Escrow Account - UPDATED + +18.7 Escrow Waiver Fee = recorded as a line item under B. Services Borrower Did Not Shop For (7.5) or C. + +Services Borrower Did Shop For (7.7) + +Projected Payments + +5.0 + +5.1 Payment Calculation + +5.1.1 Years 1 – 5 + +5.1.2 Years 6 – 8 + +5.1.3 Years 9 – 11 + +5.1.4 Ye ars 12 - 30 + +5.3 Mortgage Insurance + +5.4 Estimated Escrow +Amount can increase over time + +5.6 Estimated Taxes, Insurance +& Assessments +Amount can increase over time +See page 4 for details + +5.3.1 + + +82.35 5.3.2 + + +--- 5.3.3 + + +--- 5.3.4 + diff --git a/chunks/txt/580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60.txt b/chunks/txt/580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed3d4d4dff93641c63be8c6f746b19eab7ea5746 --- /dev/null +++ b/chunks/txt/580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60.txt @@ -0,0 +1,134 @@ +The number or identifier assigned to a lender, (i.e., +seller, non-seller, or third-party organization), used +to associate the appraisal submission with that +lender. + +Note: The Seller Number may differ between each +GSEs’ SSR. + +X + +X + +X + +X + +Both + +Both + +FNM + +FRE + +X + +X + +X + +X + +Both + +X + +X + +X + +Format +Type + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +PDF Data Point Name + +JSON SSR +Field Name + +Definition / Description + +Appears on… +[FNM, FRE, Both] * + +Severity + +severity + +Indicates the level of impact of a particular message +associated with an appraisal report finding and how +urgently the finding should be addressed. + +Finding Severities +will align for: +System and UAD + +Report Type + +URAR + +X + +Update +Report +X + +Completion +Report +X + +Format +Type + +PDF / JSON + +Severity ratings +will differ for +Proprietary +Findings; severity +ratings will align +with the GSE the +report was +requested from. + +State + +stateCode + +Subject Site Owned in +Common + +landOwnedInCommo +nIndicator + +The two-character representation of the US state +codes, "DC," or one of the US Territory codes. + +When true, indicates land associated with the +subject property parcel is owned by an association, +condominium project, or cooperative. + +Supervisory Appraiser +Name + +supervisoryAppraiser +Name + +The name of the supervisory appraiser who +performed the appraisal of the property. diff --git a/chunks/txt/581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47.txt b/chunks/txt/581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd9eca3ac07f6c036656577347352d29681446c6 --- /dev/null +++ b/chunks/txt/581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47.txt @@ -0,0 +1,59 @@ +Collateral Underwriter® Version 5.3 Release Notes + +On March 11, 2022, Fannie Mae will implement Collateral Underwriter® (CU®) Version 5.3. During the updates, CU will be +unavailable from 9 p.m. ET on Friday, March 11 until 1 a.m. ET on Saturday, March 12. The following changes will be included +in the release. + +Feb. 11, 2022 + +Identification of Desktop and Hybrid appraisals in CU + +Users will have the ability to view new Desktop and Hybrid appraisal types in CU. + +New Appraisal Types in CU + +Label in CU + +Appraisal Type + +SF-D Single Family (1004 Desktop) + +SF-H Single Family (1004 Hybrid) + +▪ Overview Page – Users will be able to identify the new appraisal types under the Property Type field on the Overview page + +using the above labels. + +▪ Advanced Search – Users will have the option to search by specific Single Family form type(s), including the above Hybrid + +and Desktop form types. + +- Selecting "Single Family" for the Property Type field in the Advanced Search will open a new Assignment Types + +dropdown for users to select specific form type(s) to search. + +The new Assignment Types field in the Advanced Search. + +Map Search and Other Enhancements + +Based on user feedback, several features will be updated to enhance the Map Search, including improvements to the new MLS +search functionality implemented in the December 5.2 release. All remaining enhancements will expand existing functionality or +improve overall user experience. + +© 2022 Fannie Mae + +2.11.22 Page 1 of 2 + +Summary of Enhancements by Feature + +Feature + +Summary of changes + +Map Search Enhancements + +All Options + +MLS + +Appraisals diff --git a/chunks/txt/5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947.txt b/chunks/txt/5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947.txt new file mode 100644 index 0000000000000000000000000000000000000000..793b78f56c5cc6840b180aa267fed5ec693eead4 --- /dev/null +++ b/chunks/txt/5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947.txt @@ -0,0 +1,47 @@ +The dwelling has been well‐maintained and +exhibits only minimal wear and tear. The +dwelling may exhibit only minor age‐related +physical depreciation; or, most components, but +not every major building component, has been +updated or renovated. + +The dwelling has been adequately maintained +and exhibits moderate wear and tear resulting +from occupancy and exposure to elements. The +dwelling may feature some updating, but +otherwise contains deferred maintenance items +that are generally minor or cosmetic in nature. + +The dwelling exhibits significant wear and tear +resulting from inadequate maintenance, but the +soundness and structural integrity are sufficient +to support occupancy. Some components may +be missing or near the end of their useful life, +but major components are still functional. + +The dwelling features an extreme lack of +maintenance, resulting in severe damages, +deficiencies, or defects that impact the +soundness or structural integrity, and the +dwelling is not suitable for occupancy. There are +major components that may be missing, no +longer functional, or otherwise require +immediate correction. + +A dwelling in C2 condition: + + +Has been recently constructed (within the past 36 months), and otherwise exhibits +virtually no wear and tear, but is no longer new due to occupancy or use (e.g., model +home), or +Has been fully remodeled "to the studs" including new major components; a new +dwelling built utilizing the footprint or façade of a pre‐existing dwelling; or a newly +converted condo/co‐op in a pre‐existing building. + + + +A dwelling in C3 condition will likely have: + + +Components or rooms that are older but have been very well maintained or experienced +minimal use, and show little or no physical depreciation, or diff --git a/chunks/txt/582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b.txt b/chunks/txt/582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee31fecdcdcba1ac5b4dd18432e7ca4b9236319d --- /dev/null +++ b/chunks/txt/582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b.txt @@ -0,0 +1,21 @@ +• The property description section of the security instrument must include a comprehensive description of the + +manufactured home and the land. The description must include the serial or VIN number (or the serial number or VIN +for each unit if the home is multi-section), make, model, size, and any other information that may be required by +applicable law to definitively identify the home. The serial number is located on the HUD Data Plate located on the +interior of the home, usually near the electrical box. In addition, the serial number is generally cold stamped on the +frame front cross member of each transportable section. + +Some jurisdictions may not allow any information in the property description section of the security instrument other than +what is customary for other real property transactions. If this is the case, then an addendum may be used, which must be +attached to the security instrument and included in the loan file. + +• The security instrument must state that the manufactured home is an improvement to the land and an immovable +fixture, or must include similar language as may be required by applicable law to assure, to the greatest extent +possible, that the manufactured home is treated as real property under applicable state law. If applicable law +provides specific obligatory wording, such wording must be used. + +• The borrower(s) and any lender with a personal property security interest in the manufactured home must sign an +Affidavit of Affixture that acknowledges their intent for the manufactured home to be permanently part of the real +property that secures the mortgage free of any personal property security interest. It must also contain any specific +language that may be required by applicable law. diff --git a/chunks/txt/582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec.txt b/chunks/txt/582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..af9fef36b94ac3873df260e5afdd283056df8bfc --- /dev/null +++ b/chunks/txt/582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec.txt @@ -0,0 +1,176 @@ +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 44 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +At least one of fields 1-177 (Cooling +Centralized Indicator = 'Y'), 1-178 (Cooling +Individual Indicator = 'Y'), 1-179 (Cooling +Other Indicator = 'Y') should be indicated. If +field 1-180 (Cooling Unit Description) +indicates 'None' then fields 1-177 and 1-178 +should not be indicated +At least one of fields 1-177 (Cooling +Centralized Indicator = 'Y'), 1-178 (Cooling +Individual Indicator = 'Y'), 1-179 (Cooling +Other Indicator = 'Y') should be indicated. If +field 1-180 (Cooling Unit Description) +indicates 'None' then fields 1-177 and 1-178 +should not be indicated + +This field should be populated if field 1-179 +(Cooling Other Indicator = 'Y') is indicated. + +This field should be indicated if the value of +field 1-182 (Amenity Count) is greater than +zero. + +184 + +1 + +178 + +IMPROVEMENTS + +Cooling +Individual + +Cooling Individual +Indicator + +Indicates that the structure or unit has +individual cooling units. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/COOLING/@_IndividualIndicator + +179 + +IMPROVEMENTS + +Cooling +Other + +Cooling Other +Indicator + +Indicates that the structure or unit has +a cooling configuration other than +Centralized or Individual. The details +may be found in Cooling Unit +Description. diff --git a/chunks/txt/583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a.txt b/chunks/txt/583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a.txt new file mode 100644 index 0000000000000000000000000000000000000000..2415978d0eb60f78a221f9cc99364eadfaa27e06 --- /dev/null +++ b/chunks/txt/583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a.txt @@ -0,0 +1,32 @@ +2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics +of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender +identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the +present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other +basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and +limiting conditions herein. + +6. I certify that I did perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in the +original appraisal have been satisfied. + +TXC-NP + +6. I certify that I did not perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in +the original appraisal have been satisfied. + +TXC-NPI-B + +Description: + +TXC-NP + +7. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal +and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. diff --git a/chunks/txt/585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7.txt b/chunks/txt/585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e9badc5e587f94aadc666ac00f7dcaf2690bfdc --- /dev/null +++ b/chunks/txt/585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7.txt @@ -0,0 +1,59 @@ +delivered to the appropriate +authority. + +a certificate of title has been issued, but state law +does not permit the manufactured home to become +real property without issuance of a certificate of title +and does not provide for surrender of the certificate +of title, + +the lender must adhere to the following +requirements: + +• The lien must be indicated on the certificate + +of title. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 160 of 166 + +UAD 3.6 Policy + +If … + +Then … + +• The certificate of title must be retained in the + +loan file. + +• The lender must assure that no other lien is + +indicated on the certificate of title. + +• Ownership of the manufactured home as +shown on the certificate of title and +ownership of the land (or of the leasehold +estate, if applicable) as shown on the +mortgage, deed of trust, or security deed +must be identical (that is, the same +individuals must sign both, each using the +exact same name on both documents). + +Note: Given certain provisions of Mississippi law and the practice in the state, the requirements in the last row of the above +table apply to manufactured homes in Mississippi. (The other two options in this table do not apply.) + +Title Issues and Lien Requirements + +To be eligible for purchase by Fannie Mae: + +• A manufactured home loan must be secured by a perfected lien (or liens) on real property consisting of the + +manufactured home and the borrower's interest in the land. + +The manufactured home must be legally classified as real property under applicable state law, including relevant statutes, +regulations, and judicial decisions. + +Note: At the time of sale of the loan to Fannie Mae, the home must no longer be classified as personal property, and all steps +required to classify the home as real property must have been completed. diff --git a/chunks/txt/585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277.txt b/chunks/txt/585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa2b4480011cbce29202b5a4479f38416bc7e05e --- /dev/null +++ b/chunks/txt/585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277.txt @@ -0,0 +1,136 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/@PropertyFeatu +reAdjustmentAmount + +RECONCILIATIO +N + +Indicated Value by: Sales +Comparison Approach $ + +Value Indicated By +Sales Comparison +Approach Amount + +The dollar value of the subject property +indicated by the Sales Comparison +approach. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/@ValueIndicatedBySalesComparisonApproachAmount + +RECONCILIATIO +N + +Income Approach (if developed) +$ + +Value Indicated By +Income Approach +Amount + +The dollar value of the subject property +indicated by the Income Approach method +of property valuation. + +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/ +@ValueIndicatedByIncomeApproachAmount + +20 + +10 + +20 + +10 + +12 + +12 + +String + +Money + +String + +Money + +Money + +Money + +453 + +454 + +455 + +456 + +471 + +472 + +473 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +108 + +109 + +110 + +111 + +124 + +125 + +126 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Reconciliation Section +This data is referenced more than once on the form, and must be represented +consistently. + +PDF Display Format: +Whole dollars only +This data is referenced more than once on the form, and should be represented +consistently. + +PDF Display Format: +Whole dollars only. + +RECONCILIATIO +N + +Comment Area + +Valuation +Reconciliation +Summary +Comment + +A free-form text field used to describe or +reconcile the different property valuation +methods used to arrive at the final +property valuation. diff --git a/chunks/txt/5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec.txt b/chunks/txt/5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbd650246de2af98f185e38966c361be0e3da2cc --- /dev/null +++ b/chunks/txt/5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec.txt @@ -0,0 +1,11 @@ +(cid:7)(cid:7)(cid:1)(cid:5)(cid:12)(cid:1)(cid:3)(cid:5)(cid:24) + +(cid:2)(cid:22)(cid:22)(cid:28)(cid:42)(cid:28)(cid:35)(cid:33)(cid:17)(cid:29)(cid:48)(cid:10)(cid:38)(cid:35)(cid:37)(cid:24)(cid:38)(cid:42)(cid:28)(cid:24)(cid:40)(cid:48)(cid:2)(cid:33)(cid:17)(cid:29)(cid:45)(cid:46)(cid:24)(cid:22)(cid:48)(cid:7)(cid:35)(cid:42)(cid:48)(cid:15)(cid:40)(cid:24)(cid:22)(cid:48) + +(cid:1)(cid:2) + +(cid:9)(cid:39)(cid:36)(cid:48) (cid:25)(cid:39)(cid:43)(cid:48) (cid:3)(cid:23)(cid:23)(cid:39)(cid:25)(cid:41)(cid:41)(cid:48) + +(cid:13)(cid:18)(cid:30)(cid:25)(cid:48)(cid:6)(cid:18)(cid:43)(cid:25)(cid:48) + +(cid:13)(cid:43)(cid:18)(cid:43)(cid:44)(cid:41)(cid:48) diff --git a/chunks/txt/5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d.txt b/chunks/txt/5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4a5020e219f9c0115eb6c0dd26db2cb2eb05921a --- /dev/null +++ b/chunks/txt/5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d.txt @@ -0,0 +1,83 @@ +Units listed for sale +Units currently under contract + +Total number of units in the project that are currently rented or available for +rent. Includes: +• +• +• +• + +Individually rented units +Units held by the developer or sponsor for rental purposes +Investor-held units +Units rented by a nonprofit + +Units Rented Estimated: Indicates whether Units Rented is an estimate, such as +when offsite mailing addresses are used. +Notes: +• + +If Units Rented is unknown or unavailable to the appraiser in the normal +course of business, the appraiser must estimate the number of units that +are rented. +If Yes, Units Rented displays with a tilde (~). + +• + +18.010 Reason Units + +Rented is +Estimated + +Required if Units +Rented Estimated is +Yes + +Free-form + +Commentary on the reason why Units Rented is estimated, and how the +estimated Units Rented was determined, such as offsite mailing addresses vs. +actual known rental units. + +Appendix F-1: URAR Reference Guide + +Page 184 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Mandatory Monthly Fees (HOA, PUD, or Co-op) + +Project Information: Mandatory Monthly Fees + +Report +Field ID + +Report Label + +When to Include + +18.011 Monthly +Amount + +Required if the +property is in a +condominium, +cooperative, condop, +or PUD + +Allowable +Answers / Format + +Dollar amount + +Definition / Additional Guidance + +Mandatory Monthly Fees: The combined dollar amount of all the mandatory +fees, expressed as a monthly amount. Mandatory fees include fees assessed to +the subject property for all amenities including those that are not offered to all +owners (e.g., limited boat slips offered on a first-come, first-served basis). diff --git a/chunks/txt/586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc.txt b/chunks/txt/586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..946b96df1a7df5aac429c51cf5f48bd9426e20b0 --- /dev/null +++ b/chunks/txt/586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc.txt @@ -0,0 +1,57 @@ +Notes: +• The comparable sales used to support the GRM comps may be different than those used in the Sales Comparison Approach. The Income + +Approach section enables the appraiser to report the sales used in the analysis of how the GRM for the subject was derived. +If there is an Income Approach, there must also be a rent schedule (Rental Information section must be included). + +• +• All comps used in the GRM comparison grid must be settled sales. Comparable listings may be provided as additional support for the GRM and + +are reported in Income Approach Commentary (24.025) instead of the GRM comparison grid. + +Income Approach displays when Income Approach Developed by Appraiser is Yes, and the “When to Include” column in this chapter reflect this. + +Income Approach Developed by Appraiser + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +This is an +appraiser input +that does not +display + +Always required + +Yes | No + +Income Approach Developed by Appraiser +• +• + +Yes (The Income Approach section is included) +No (The Income Approach section is not included) + +Gross Rent Multiplier Comparables + +Key Concepts + +The Gross Rent Multiplier Comparables subsection provides detailed information about the properties (GRM comps) that were used to determine +the GRM for the subject property. + +Subject Property Information in the Income Approach section + +Information previously entered for the subject property populates from the applicable section to Income Approach and does not have to be re- +entered. The “Origin of Subject Property Information” column in this chapter shows the original location of the information. diff --git a/chunks/txt/58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f.txt b/chunks/txt/58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b40973bba607150b67b46d7fa323bc4e4ab66b3 --- /dev/null +++ b/chunks/txt/58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f.txt @@ -0,0 +1,5 @@ +record_id: 1700206872000 | year: 2017 | weight: 20 | state_fips_2010: 27 | state_fips_2020: NA | county_fips_2010: 27039 | county_fips_2020: NA | tract_fips_2010: 27039950400 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 95000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 3 | marketing_time: 2 | sales_range_high: 195000 | sales_range_low: 75000 | updated_last_15_years: 1 | lot_size: 5 | quality: 4 | condition: 4 | bathrooms: 1 | bedrooms: 1 | gross_living_area: 1 | median_adjustment: -12400 | average_adjustment: -12600 | adjusted_price: 105000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 10 | reported_proximity: 10 | value_sale_comparison: 105000 | value_cost: 115000 | value_income: NA | appraised_value: 105000 | appraisal_to_contract: 107.2 | comparison_to_contract: 107.2 | dts_rural: 1 +record_id: 1700091878000 | year: 2017 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06067 | county_fips_2020: NA | tract_fips_2010: 06067009638 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 435000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 475000 | sales_range_low: 445000 | updated_last_15_years: 2 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 5 | median_adjustment: -17300 | average_adjustment: -16953 | adjusted_price: 435000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.26 | reported_proximity: 0.26 | value_sale_comparison: 435000 | value_cost: 435000 | value_income: NA | appraised_value: 435000 | appraisal_to_contract: 100 | comparison_to_contract: 100 | dts_rural: 1 +record_id: 1700029037000 | year: 2017 | weight: 20 | state_fips_2010: 45 | state_fips_2020: NA | county_fips_2010: 45035 | county_fips_2020: NA | tract_fips_2010: 45035010813 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 205000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 235000 | sales_range_low: 175000 | updated_last_15_years: 1 | lot_size: 3 | quality: 3 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -2160 | average_adjustment: -443 | adjusted_price: 205000 | number_comparables: 5 | same_tract_percent: 71 | calculated_proximity: 0.43 | reported_proximity: 0.43 | value_sale_comparison: 215000 | value_cost: 205000 | value_income: NA | appraised_value: 215000 | appraisal_to_contract: 100.1 | comparison_to_contract: 100.1 | dts_rural: 2 +record_id: 1700079170000 | year: 2017 | weight: 20 | state_fips_2010: 51 | state_fips_2020: NA | county_fips_2010: 51059 | county_fips_2020: NA | tract_fips_2010: 51059430400 | 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: 1 | sales_range_high: 555000 | sales_range_low: 555000 | updated_last_15_years: 1 | lot_size: 3 | quality: 4 | condition: 4 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: -8225 | average_adjustment: -26312 | adjusted_price: 465000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 0.45 | reported_proximity: 0.45 | value_sale_comparison: 475000 | value_cost: 485000 | value_income: NA | appraised_value: 475000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1700125830000 | year: 2017 | weight: 20 | state_fips_2010: 13 | state_fips_2020: NA | county_fips_2010: 13179 | county_fips_2020: NA | tract_fips_2010: 13179010501 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 245000 | sales_range_low: 65000 | updated_last_15_years: 1 | lot_size: 4 | quality: 3 | condition: 3 | diff --git a/chunks/txt/58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415.txt b/chunks/txt/58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415.txt new file mode 100644 index 0000000000000000000000000000000000000000..fe09fc583c592ab83f19a42a6fe8a190dc4e379b --- /dev/null +++ b/chunks/txt/58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415.txt @@ -0,0 +1,21 @@ +![image](Uniform_Appraisal_Dataset___Fannie_Mae1_plug.svg) + +[Get Started with UAD 3.6](#uad-36-resources) + +![image](Uniform_Appraisal_Dataset___Fannie_Mae1_fact-sheet.svg) + +[UAD 3.6 Documentation](#uad-documentation) + +![image](Uniform_Appraisal_Dataset___Fannie_Mae1_technology.svg) + +[UAD 2.6 and Resources](#uad-26-resources) + +#### Lender Preparedness Webinar Recording + +[]() × + +> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]* + +![image](Uniform_Appraisal_Dataset___Fannie_Mae1_thumbnail) + +![image](Uniform_Appraisal_Dataset___Fannie_Mae1_UMDP_20logo_20May_202021.png) diff --git a/chunks/txt/587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc.txt b/chunks/txt/587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..99be62fcf461783e558b2cc6495157c0ff3a3230 --- /dev/null +++ b/chunks/txt/587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc.txt @@ -0,0 +1,29 @@ +[Wave 39 (2023 Quarter 3)](/document/nsmo-questionnaire-wave-39.pdf) + +[Waves 35 to 38 (202​2 Quarter 3 to 2023 Quarter 2)](/document/nsmo-questionnaire-waves-35-to-38.pdf) + +[Waves 35 to 37 (202​2 Quarter 3 to 2023 Quarter 1)](/document/nsmo-questionnaire-waves-35-to-37.pdf) + +[Waves 31 to 34 (2021 Quarter 3 to 2022 Quarter 2)](/document/nsmo-questionnaire-waves-31-to-34.pdf) + +[Waves 29 and 30 (2021 Quarter 1 and 2021 Quarter 2)](/document/nsmo-questionnaire-waves-29-and-30) + +[Waves 26 to 28 (2020 Quarters 2 to 4)](/document/nsmo-questionnaire-waves-26-to-28) + +[Waves 25 (2020 Quarter 1)](/document/nsmo-questionnaire-wave-25) + +[Waves 23 and 24 (2019 Quarters 3 and 4)](/document/nsmo-questionnaire-waves-23-and-24) + +[Waves 19 to 22 (2018 Quarter 3 to 2019 Quarter 2)](/document/nsmo-questionnaire-waves-19-to-22) + +[Waves 15 to 18 (2017 Quarter 3 to 2018 Quarter 2)](/document/nsmo-questionnaire-waves-15-to-18) + +[Waves 13 and 14 (2017 Quarters 1 and 2)](/document/nsmo-questionnaire-waves-13-and-14) + +[Waves 11 and 12 (2016 Quarters 3 and 4)](/document/nsmo-questionnaire-waves-11-and-12) + +[Wave 10 (2016 Quarter 2)](/document/nsmo-questionnaire-wave-10) + +[Wave 9 (2016 Quarter 1)](/document/nsmo-questionnaire-wave-9) + +[Wave 8 (2015 Quarter 4)](/document/nsmo-questionnaire-wave-8) diff --git a/chunks/txt/5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674.txt b/chunks/txt/5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674.txt new file mode 100644 index 0000000000000000000000000000000000000000..83da9d6ebb71b9e77b95e45f913b0ff6a4941e2d --- /dev/null +++ b/chunks/txt/5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674.txt @@ -0,0 +1,145 @@ +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +This is a free text field which should contain the supervisory appraiser’s company +name. + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +This field should be populated if there +is a supervisory appraiser. + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +• Address unit designator and number (if applicable) + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• City +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• USPS two-letter state or territory representation +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• 5-digit ZIP Code or ZIP+4 + +String + +String + +String + +String + +String + +String + +String + +String + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +String + +UAD Requirement – Refer to Appendix D Appraiser Certification Section + +String + +UAD Requirement – Refer to Appendix D Appraiser Certification Section + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +This field should be populated if field 6- +27 (Supervisor Name) is populated. diff --git a/chunks/txt/588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d.txt b/chunks/txt/588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3f5b7a3b89536d90d8638d11ba36385ba1cf29b --- /dev/null +++ b/chunks/txt/588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/language-access" +date_accessed: "2026-01-27T17:47:50.158Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f.txt b/chunks/txt/589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f.txt new file mode 100644 index 0000000000000000000000000000000000000000..4ba1821c3f55d269361aae83f5b2a07fa7a3413c --- /dev/null +++ b/chunks/txt/589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f.txt @@ -0,0 +1,72 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix C‐1: URAR with Report Field IDs +Document Version 1.2 +September 17, 2024 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal +Housing Finance Agency. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners + +Revision History + +Date + +Version   Report Section + +9/17/2024 + +1.2 + +12/12/2023 + +1.1 + +3/29/2023 + +1.0 + +Introduction + +Footer +Market +Income Approach +Revision History +Footer + +Market + +Change # +2024‐028 +2024‐024 +2024‐051 +2024‐043 +2023‐061 +2023‐001 + +2023‐031 + +Certifications and +Scope of Work + +2023‐003 + +Revision Description +Updated date in Footer (HF.004) to September 2024. +Deleted Property Value Trend (17.020). +Corrected Report Field IDs for GRM Comp photos and captions (added 24.009.2). +Added the Reconsideration of Value subsection (27.003‐27.006). +Updated date in Footer (HF.004) to December 2023. +Removed the “Under Review” watermark. +Deleted Subject Conforms to Surrounding Area (17.000), Reason (17.001), and Description +(17.002). +Changed Report Label to Market Area Boundary (17.003). +Updated predefined text for Appraiser Certifications 18 (29.038), 24 (29.045), and 25 (29‐ +046), and all Supervisory Appraiser Certifications (29.056‐060, 29.071‐074). +Clarified that Contact Name(s) (29.042) display for Appraiser Certification 21. +Initial publication + +The purpose of this document is to show all possible Report Labels that may display on the URAR, regardless of +conditionality. This is not intended to represent a realistic report as an appraisal will never contain all of the +available fields in one report. The red superimposed number is the Report Field ID. diff --git a/chunks/txt/58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8.txt b/chunks/txt/58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8.txt new file mode 100644 index 0000000000000000000000000000000000000000..23ab7e2d5afbf8f708faa02cd78f334eb4408d24 --- /dev/null +++ b/chunks/txt/58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8.txt @@ -0,0 +1,36 @@ +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + +### Have questions? + +Get answers to your policy and guide questions, straight from the source. + +[Get Started **](/applications-technology/ask-poli) + +###### Work with Fannie Mae + +- [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + +###### Products & Solutions + +- [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + +###### Support & Resources + +- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + +###### Other Sites + +- [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) + +.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + +jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); }); diff --git a/chunks/txt/58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e.txt b/chunks/txt/58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e.txt new file mode 100644 index 0000000000000000000000000000000000000000..52077ed042c471347ead0499428800c5943aa004 --- /dev/null +++ b/chunks/txt/58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/blog" +date_accessed: "2026-01-27T17:47:50.485Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22.txt b/chunks/txt/58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22.txt new file mode 100644 index 0000000000000000000000000000000000000000..b2e999bde6b896a117c06a7e14840d50b87f038b --- /dev/null +++ b/chunks/txt/58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22.txt @@ -0,0 +1,103 @@ +Condition Comment +Add comment if needed. + +Metal | Post and Pier + +Add comment if needed. + +Typical Wear and Tear + +Add comment if needed. + +Metal +Estimated Age: +20 or more years + +Add comment if needed. + +Typical Wear and Tear + +Rust noted on the roof. +Metal galvanized roofs can +deteriorate when rust forms. +No ruptures or leaks noted at +the time of inspection. + +Windows + +Insulated + +Add comment if needed. + +New or Like New + +Add comment if needed. + +Mechanical System Details + +Heating + +Cooling + +System +None + +None + +Detail +Typical for Market + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Roof + +Location +Entire Roof + +Description +Rust noted on the roof. Metal galvanized roofs +can deteriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +Dwelling Exterior Commentary + +Utilities were on and functioning during time of inspection. + +Dwelling Exterior Exhibits + +Dwelling Rear + +Apparent Defects, Damages, Deficiencies - Roof + +This is where the Dwelling 1 Rear photo would display. + +This is where the Dwelling 1 Roof Defect photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 7 of 29 +Page 7 of 29 + +Unit Interior - Building 1 - Unit 1 + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source diff --git a/chunks/txt/58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3.txt b/chunks/txt/58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c8e0747a9a0b894a0b6880b010f0f8ac30aa864 --- /dev/null +++ b/chunks/txt/58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3.txt @@ -0,0 +1,16 @@ +Definition of Market Value + +The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the +buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition +is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller +are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best +interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of +financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special +or creative financing or sales concessions* granted by anyone associated with the sale. + +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are +normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales +transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party +institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost +of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on +the appraiser’s judgment. diff --git a/chunks/txt/58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754.txt b/chunks/txt/58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754.txt new file mode 100644 index 0000000000000000000000000000000000000000..0071671be4bdf03a867a403fcbeca60760d124c7 --- /dev/null +++ b/chunks/txt/58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754.txt @@ -0,0 +1,299 @@ +.PROPERTY +..LISTING_HISTORY +Listed Within Previous Year Indicator** + +Listed Within Previous Year Description** + +.PROPERTY +..PROPERTY_ANALYSIS +Property Analysis Type** + +Property Analysis Exists Indicator** + +Property Analysis Comment** + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +R + +R + +T + +R,T* + +R,T* + +R,T* + +R,T* + +T +T + +T + +T + +T + +T + +T + +T + +T +T + +T + +T + +T + +T + +T + +T + +T +T + +T + +T + +T + +T + +T + +T + +T +T + +T + +T + +T +T + +T + +T + +CR +R + +CR +R + +CR +R + +CR +R + +R +T +R,T* + +R +T +R,T* + +R +T +R,T* + +R +T +R,T* + +Page 18 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +PROPERTY +._OWNER +..PROPERTY_OWNER_EXTENSION +…PROPERTY_OWNER_EXTENSION_SECTION +Extension Section Organization Name +….PROPERTY_OWNER_EXTENSION_SECTION_DATA +…..PROPERTY_OWNER +GSE Property Owner Name + +.PROPERTY +..SALES_CONTRACT +Sales Contract Date** + +Sales Contract Amount** + +Sales Contract Reviewed Indicator** + +Sales Contract Review Comment** + +Seller Is Owner Indicator + +Sales Concession Indicator + +Data Source Description + +Sales Concession Description + +Sales Concession Amount + +.PROPERTY +..SALES_CONTRACT +...SALES_CONTRACT_EXTENSION +....SALES_CONTRACT_EXTENSION_SECTION +Extension Section Organization Name +…..SALES_CONTRACT_EXTENSION_SECTION_DATA +…...SALE_TRANSACTION +GSE Sale Type diff --git a/chunks/txt/58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460.txt b/chunks/txt/58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460.txt new file mode 100644 index 0000000000000000000000000000000000000000..7891d83752901c1d48f37c8e607f555ff264d2eb --- /dev/null +++ b/chunks/txt/58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460.txt @@ -0,0 +1,70 @@ +Fatal edit 3126: If Regulation Z Excluded Bona Fide Discount Points Indicator is true, then Regulation Z Excluded Bona Fide +Discount Points Percent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal +places. + +© 2022 Fannie Mae + +October 2022 Page 3 +of 4 + +March 31 + +UCD Critical Edits - + +Phase 2 + +Implementation + +On March 31, 2022, the GSEs will transition UCD Phase 2 edits to a fatal severity. In preparation for the transition to these +edits, lenders should review all feedback messages returned by the UCD Collection Solution and resolve any issues, +particularly the Phase 2 edits showing a severity of warning-to-fatal. Lenders can review all UCD edits by utilizing the FM +Connect UCD report. + +UCD Feedback Messages have been updated to reflect a total of 26 edits that will transition to fatal on March 31, 2022. + +Additional Resources: +Uniform Closing Dataset Critical Edits Implementation Timeline + +UCD Critical Edits Matrix + +March 17 + +UCD Critical Edits - + +Phase 2 + +To further refine UCD Phase 2 data quality, the following edit will revert to only check for null, effective March 17, 2022. The +edit feedback message is as follows: + +Implementation + +Warning to Fatal edit 3411: A Cash to Close Total Final Amount is required. + +March 9 + +UCD Critical Edits - + +Phase 2 + +Implementation + +February 17 + +UCD Critical Edits - + +Phase 1 + +Implementation + +Effective +Date + +February 17 + +Impacted Area + +Mortgage Insurer +Name Change + +Warning to Fatal edits 3404, 3405, 3406, 3407, 3408, and 3409 will not transition to fatal on March 31, 2022, as originally +announced as part of UCD Phase 2. diff --git a/chunks/txt/58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d.txt b/chunks/txt/58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e83c2acf0a52a0ed61ec08a35e0cba9729217df --- /dev/null +++ b/chunks/txt/58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d.txt @@ -0,0 +1,45 @@ +Time: 1:00 PM - 4:00 PM + +Location: Online Event + +[Multifamily Small Lender Access Public Listening Session Agenda, Transcript, and Video](/news/videos/multifamily-small-lender-access) + +--- + +## **March 2021** + +## **Enterprise Housing Goals Listening Session** + +Date: 3/25/2021 + +Time: 1:00 - 4:00 PM + +Location: Online Event + +[Enterprise Housing Goals Public Listening Session Agenda, Transcript, Presentations, Video, and News Release](/news/videos/enterprise-housing-goals-anpr) + +## [**FHFA Public Listening Session on Climate and Natural Disaster Risk Management at the Regulated Entities**](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities) + +Date: 3/4/2021 + +Time: 1:00 - 4:00 PM + +Location: Online Event + +[Climate and Natural Disaster Risk Public Listening Session Agenda, Presentations, Video, RFI, and News Release](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities) + +--- + +## **February 2021** + +## [**FHFA Econ Summit**](/news/public-engagements/econ-summit/february-2021)**​** + +Date: 2/23/2021 + +Time: 9:00 AM - 1:00 PM + +Location: Online event + +[Presentations:](/news/public-engagements/econ-summit/february-2021) Commercial Real Estate Update: Implications for Mortgage Markets; The COVID-19 Labor Market and the Future of Work; Economic and Mortgage Market Outlook; Locked in by Leverage: Job Search during the Housing Crisis; Searching, Recalls, and Tightness: An Interim Report on the COVID Labor Market; and Temporary Unemployment and Labor Market Dynamics During the COVID-19 Recession + +## **​​**[**FHFA Public Listening Session on Appraisal-Related Policies, Practices and Processes**](/news/videos/appraisal-related-policies-practices-and-processes) diff --git a/chunks/txt/59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab.txt b/chunks/txt/59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..60c731066b80698a734e34ed737bb11f547b6064 --- /dev/null +++ b/chunks/txt/59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab.txt @@ -0,0 +1,103 @@ +Post and Pier + +A foundation style that consists of a series of posts connected to a frame that supports the structure above ground level. + +Runner + +Slab + +A foundation style that consists of rows of concrete footings poured into the ground intended to support the structure. + +A foundation style that consists of a slab of concrete that sits directly on grade supporting the structure. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Roof + +The Roof row always displays in the Exterior Features table. + +Dwelling Exterior: Quality and Condition - Exterior Features - Roof + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +8.033 + +Detail + +Always required + +Yes | No + +Definition / Additional Guidance + +Roof Observable: Indicates whether the majority of the roof is observable from +ground level. +• +Yes +• +No (the individual performing the inspection was unable to make an +informed determination on the condition status of the roof, such as when +the roof is snow-covered) + +Notes: +• + +If No, “(Unobservable)” displays. When the appraiser is unable to view the +roof, explain why the roof is unobservable and report the results based on +the assessment of the ceilings in Dwelling Exterior Commentary (8.061). +For government agency appraisals, reference the appropriate guidelines. + +• + +8.033 + +Detail + +Always required + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Roof Material +• +Asbestos +• +Asphalt +• +Ceramic Tile +• +Clay +• +Composition +• +Concrete +• +Copper +• Metal +• +• +• +• +• +• Wood +• + +Rubber +Slate +Solar Shingles +Synthetic +Tar/Gravel diff --git a/chunks/txt/5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729.txt b/chunks/txt/5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729.txt new file mode 100644 index 0000000000000000000000000000000000000000..636264cad9625a6b1c795c562fd3c5222a04543c --- /dev/null +++ b/chunks/txt/5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729.txt @@ -0,0 +1,91 @@ +80340; (c)(5), pp. 80115-80116. + +Appendix E: UCD Implementation Guide + +Page 103 of 254 + +Version 1.4 + +Uniform Closing Dataset + +6.0 Costs at Closing + +6.0 COSTS AT CLOSING + +The Costs at Closing table is included in the following Closing Disclosure Types: + +Table 89. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +6.0 + +Costs at Closing + +✓ + +✓ + +Non-Seller Transactions Only +Alternate Form + +Adds designation From/To +Borrower + +The Costs at Closing table is a snapshot of the amount of funds the borrower(s) either: + +a. Will need to bring to the table at closing to complete the transaction or + +b. Will receive at closing upon completion of the transaction. + +All the amounts shown in the Costs at Closing table are values calculated in other locations within the Closing +Disclosure. See 1. Mapping Guidance. + +Costs at Closing + +6.0 + +6.1 Closing Costs + +6.1.1$9,712.10 + +Includes 6.1.2 $4,694.05 in Loan Costs + 6.1.3 $5,018.05 in Other +Costs – 6.1.4 $0 in Lender Credits. See page 2 for details. + +6.2 Cash to Close + +6.2.1$14,147.26 + +Includes Closing Costs. See Calculating Cash to Close on page 3 for +details. + +Figure 72. Costs At Closing Table - Purchase + +A. FOR MORE I NFORMAT I ON + +6.1 + +Reg §1026.38(d), pp. 80121, 80005; Cross reference to §1026.37(d) pp. 80116, 79949. + +6.2 + +Reg §1026.38(d), (d)(2), (e), pp. 80121, 80352, 80005; Cross reference to §1026.37(d) pp. 80116, 79949. + +Appendix E: UCD Implementation Guide + +Page 104 of 254 + +Version 1.4 + +Uniform Closing Dataset + +6. 1 CLOSI NG COSTS diff --git a/chunks/txt/590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed.txt b/chunks/txt/590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed.txt new file mode 100644 index 0000000000000000000000000000000000000000..eb8604fb872b6ab0bfd1b25fc0d2246cca2a7c40 --- /dev/null +++ b/chunks/txt/590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed.txt @@ -0,0 +1,66 @@ +I have performed services regarding the subject property within the three years +preceding the agreement to perform this assignment. + +05.026 + +14 + +05.027 + +15 + +15 + +Page 43 + +Display Rules + +Always displays +Display when the Assignment +section indicates PartyRoleType <> +"SignificantRealPropertyAppraisalA +ssistance" for any Contacts +Display when the Assignment +section indicates PartyRoleType = +“SignificantRealPropertyAppraisalA +ssistance" for one or more Contacts +Display when the Assignment +section indicates PartyRoleType = +"SignificantRealPropertyAppraisalA +ssistance" +For each party: +- FirstName and LastName are + +Required. + +- Deliver MiddleName or + +SuffixName when provided. +Separate multiple names with +'and'. + +Always displays + +Display when +AppraiserPriorServicesPerformedIn +dicator = "false" +Display when +AppraiserPriorServicesPerformedIn +dicator = "true" + +Description of Prior Services - AppraiserPriorServicesPerformedDescription (UID: 2200.0155, FID: 05.028) is required when +AppraiserPriorServicesPerformedIndicator (UID: 2200.0074, FID: 05.027) = “true”. + +Page 44 + +When Additional Appraiser Certifications – AppraiserAdditionalCertificationIndicator (UID: 2200.0043, FID: Not on report) = + +• + +“true” + +o Display sub-header: Additional Appraiser Certifications (FID: 05.029) +o Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +o Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0020, FID: Not on report) = “Appraiser” +o Display the text from ValuationAdditionalCertificationText (UID: 2200.0019, FID: 05.030) and deliver in XML. +o Additional certifications are numbered starting at 1. diff --git a/chunks/txt/591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c.txt b/chunks/txt/591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c.txt new file mode 100644 index 0000000000000000000000000000000000000000..47b48d07ddfd4b223ab07680768aced7176570a5 --- /dev/null +++ b/chunks/txt/591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c.txt @@ -0,0 +1,75 @@ +Document File ID + +A unique identifier assigned by UCDP to all appraisal document +submissions associated with a property. + +Lender Loan Number + +The unique Loan Number assigned by the lender. The Lender Loan Number +is provided by the submitter of the first appraisal report submission and +can be subsequently updated (i.e., corrected) by the submitter. + +Lender Name + +The name of the lending organization submitting the appraisal report to +UCDP. +Note: The Lender Name may differ between each GSEs’ SSR. + +S/SN or Non S/SN +(FNM) + +S/SN or TPO# (FRE) + +Seller Number + +The number or identifier assigned to a lender, (i.e., seller, non-seller or +third-party originator), used to associate the appraisal submission with +that lender. +Note: The Seller Number may differ between each GSEs’ SSR. + +Report Date Time + +Date and time when the report was generated by the GSE. + +Delivery S/SN + +Delivery Seller Number + +The Freddie Mac Seller/Servicer number used for delivery. + +Loan Prospector* Key + +The Freddie Mac-specific number that refers to the Loan Product Advisor® +(LPA®) AUS Key. + +*Fannie Mae (FNM); Freddie Mac (FRE) + +Appears on… +[FNM, FRE, Both] * +Both + +Both + +Both + +Both + +Both + +Both + +FRE + +FRE + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Document Level Results +The Document Level Results summarize the results of each appraisal report file submitted under a Document File ID. + +Loan Metadata + +Document File ID diff --git a/chunks/txt/5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec.txt b/chunks/txt/5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..c14a8ebee248def5e154aaba349f9be107cb837f --- /dev/null +++ b/chunks/txt/5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec.txt @@ -0,0 +1,3 @@ +20 Sales Contract ................................................................................................................................................................................................................................. 263 + +Overview ................................................................................................................................................................................................................................................ 263 diff --git a/chunks/txt/59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec.txt b/chunks/txt/59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..57a48b01875fa9316bc67b6eaa9ed662cd5d8fd6 --- /dev/null +++ b/chunks/txt/59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec.txt @@ -0,0 +1,28 @@ +Determining the Capitalization Rate + +When the neighborhood or market area has an active real estate market that includes sales of properties owned as fee simple +estates and sales of properties subject to leasehold estates other than those held by community land trusts, the appraiser can use +the most direct method for determining the capitalization rate, extracting it from the market activity. To extract the capitalization +rate, the appraiser must divide the annual ground rent for the properties subject to leasehold estates by the difference in the +sales prices for the comparable sales of properties owned as fee simple estates and the comparable sales of properties subject to +leasehold estates. + +If there are no available comparable sales of properties subject to leasehold estates other than those held by a community land +trust, the appraiser must develop a capitalization rate by comparing alternative low-risk investment rates, such as the rates for +long-term bonds, and selecting a rate that best reflects a “riskless” (safe) rate. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 114 of 166 + +UAD 3.6 Policy + +Determining the Leasehold Value + +To determine the leasehold value of the subject property, the appraiser must first convert the annual income from the community +land trust’s ground lease into a leased fee value by dividing the income by the market-derived capitalization rate. The appraiser +must then reduce the estimated fee simple value of the subject property by this leased fee value to arrive at their opinion of the +leasehold value of the subject property. + +For example, assume that the annual ground rent from the community land trust’s ground lease is $300, the market-derived +capitalization rate is 5.75%, and the estimated fee simple value of the subject property is $100,000: diff --git a/chunks/txt/59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486.txt b/chunks/txt/59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486.txt new file mode 100644 index 0000000000000000000000000000000000000000..2cd77b83b91cfb78ffaab2b5ba06f2ed05d7cff3 --- /dev/null +++ b/chunks/txt/59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486.txt @@ -0,0 +1,33 @@ +Lender Responsibilities Related to Special Assessment or Community Facilities Districts +Special Assessment Districts + +• Overview +• +• +• Appraisal Requirements for Properties Located in Special Assessment Districts +• Community Facilities Districts +• Appraisal Requirements for Properties Located in Community Facilities Districts + +Overview + +Alternative methods for raising the capital necessary to satisfy utility and infrastructure requirements are sometimes used in the +development of new residential communities. In some instances, this involves the creation of local districts called special +assessment districts or community facilities districts that have the authority to assess homeowners for the cost of developing +utility services and various infrastructure facilities, including, but not limited to, roads, sewer services, schools, police and fire +protection services, and libraries. + +Lender Responsibilities Related to Special Assessment or Community Facilities Districts + +Fannie Mae expects the lender to know if a property is located in one of these districts and to be aware of the effect that +assessments levied by the district could have on property values and the marketability of the subject property. The lender’s +appraiser, therefore, must give special consideration to the valuation of properties located in these districts. + +Special Assessment Districts + +Special assessment districts, also called special tax districts or municipal utility districts, provide a specific service to +homeowners living in a designated area. They are most often established to provide water or other utilities in areas that are not +served by existing city or municipal utility services. The need for these districts arises when an existing utility service does not +have sufficient capacity, or may not find it economically feasible to provide services for newly created subdivisions that are +located beyond its current operating area. State law governing the establishment of special assessment districts varies greatly, as +does the financial strength of the individual districts. These districts are granted the authority to assess owners of properties +within their boundaries for funds that will be used to cover their operating costs and debt service. diff --git a/chunks/txt/594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7.txt b/chunks/txt/594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7.txt new file mode 100644 index 0000000000000000000000000000000000000000..f680100c0098c307cb4d1bc5a459bcc4e70549d5 --- /dev/null +++ b/chunks/txt/594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7.txt @@ -0,0 +1,282 @@ +0.06 Miles NW + +0.03 Miles SW + +$880,000 + +Pending + +$880,000 + +— + +$0 + +$875,000 + +Pending + +$866,000 + +No + +No + +04/10/2019 + +05/01/2019 + +30 + +Attached + +Fee Simple + +— + +15 + +Attached + +Fee Simple + +Unknown + +06/01/2019 + +— + +19 + +Attached + +Fee Simple + +1,765 Sq. Ft. + +1,976 Sq. Ft. + +$0 + +2,111 Sq. Ft. + +$890,000 + +Pending + +$880,000 + +— + +$0 + +$0 + +$0 + +$0 + +Site Influence (Location) + +Busy Roadway | Park + +Busy Roadway +| Park + +View | Range + +Residential | Full + +Residential | Full + +Dwelling(s) + +Year Built + +2016 + +2015 + +$0 + +Structure Design + +Rowhouse/Townhouse + +Townhouse End Unit + +Townhouse Back to Back + +Yes + +No + +Townhouse Location + +No Units Above/Below + +Rowhouse/ +Townhouse + +Yes + +No + +No Units +Above/Below + +Busy Roadway +| Park + +Residential | Full +Commercial +| Partial + +2016 + +Rowhouse/ +Townhouse + +Yes + +No + +No Units +Above/Below + +Heating + +Forced Warm Air | Natural Gas + +Forced Warm Air + +Forced Warm Air + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Unfinished Area +Below Grade + +5 + +4 | 1 + +4 + +3 | 2 + +$0 + +$5,000 + +4 + +3 | 2 + +3,308 Sq. Ft. + +3,442 Sq. Ft. + +$0 + +3,442 Sq. Ft. + +$0 + +$5,000 + +$0 + +720 Sq. Ft. + +72 Sq. Ft. + +420 Sq. Ft. + +$6,000 + +420 Sq. Ft. + +$6,000 + +272 Sq. Ft. + +$0 + +272 Sq. Ft. + +$0 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Condition + +Interior Quality and Condition + +Quality + +Condition + +Q3 + +Brick | Wood + +Q3 + +Brick | Wood + +Q3 + +Brick | Wood + +C3 + +Q2 + +C3 + +C3 + +Q2 + +C3 + +C3 + +Q2 + +C3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Q3 + +C3 + +Q3 + +C3 + +Q3 + +C3 + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f.txt b/chunks/txt/595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f.txt new file mode 100644 index 0000000000000000000000000000000000000000..45cc423739b6c7d1e5da70016e5813d105c4bea6 --- /dev/null +++ b/chunks/txt/595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f.txt @@ -0,0 +1,93 @@ +9 + +Money + +SALES +COMPARISON +APPROACH + +Data Source (s) +COMPARABLE + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRI +OR_SALES/@DataSourceDescription + +30 + +String + +367 + +2 + +121 + +SALES +COMPARISON +APPROACH + +Effective Date of Data Source (s) +COMPARABLE + +Data Source +Effective Date + +The effective date of the source of +information. + +SALES +COMPARISON +APPROACH + +Analysis of prior sale or transfer +history of the subject property +and comparable sales. + +GSE Prior Sale +Comment + +Analysis of the prior sale(s) of the subject +and comparable sales. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRI +OR_SALES/@DataSourceEffectiveDate + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR +_SALES/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_S +ECTION[@ExtensionSectionOrganizationName +='UNIFORM APPRAISAL DATASET ']/ +PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEP +riorSaleComment + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field must indicate the data source used for the prior sale/transfer of the +comparable. + +PDF Display Format (when the source is an MLS listing): +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy diff --git a/chunks/txt/596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4.txt b/chunks/txt/596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c879ee757234d2c5e6030bd3e7befa8c08e9fb5 --- /dev/null +++ b/chunks/txt/596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4.txt @@ -0,0 +1,84 @@ +Unless otherwise noted, comments + +regarding the applications must be +received at the Reserve Bank indicated +or the offices of the Board of Governors, +Ann E. Misback, Secretary of the Board, +20th Street and Constitution Avenue +NW, Washington DC 20551–0001, not +later than June 22, 2020. + +A. Federal Reserve Bank of Chicago + +(Colette A. Fried, Assistant Vice +President) 230 South LaSalle Street, +Chicago, Illinois 60690–1414: + +1. Bath State Bancorp Employee Stock +Ownership Plan With 401(k) Provisions, +Bath, Indiana; to acquire voting shares +of Bath State Bancorp, and indirectly +acquire voting shares of Bath State +Bank, both of Bath, Indiana, and thereby +engage in extending credit and servicing +loans pursuant to Section 225.28(b)(1) of +Regulation Y. + +Board of Governors of the Federal Reserve + +System, May 28, 2020. +Yao-Chin Chao, +Assistant Secretary of the Board. +[FR Doc. 2020–11903 Filed 6–2–20; 8:45 am] + +BILLING CODE P + +FEDERAL RESERVE SYSTEM + +Change in Bank Control Notices; +Acquisitions of Shares of a Bank or +Bank Holding Company + +The notificants listed below have + +applied under the Change in Bank + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00049 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l diff --git a/chunks/txt/5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7.txt b/chunks/txt/5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed33d2037525fe7cacdcc7e53c7da96dc8202ce4 --- /dev/null +++ b/chunks/txt/5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7.txt @@ -0,0 +1,61 @@ +The Apparent Defects, Damages, Deficiencies table displays and display static text in italics (FID: 26.020), “The items listed below represent +the As Is condition as of the effective date of this report” displays above the table. + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity + +Recommended Action + +Estimated Cost to Repair + +Reconciliation: Apparent Defects, Damages, Deficiencies Table + +The details (Feature, Location, Description, Affects Soundness or Structural Integrity, Recommended Action) for +Apparent Defects, Damages, Deficiencies in Reconciliation are redisplayed from the related report section. + +Display sections within the table in the following order (as applicable). + +- Site +- Dwelling Exterior (all defects for each dwelling) + +- Unit Interior (repeat Unit Interior for each living unit, with defects, in Dwelling) + +- Outbuilding (all defects for each Outbuilding) + +- Unit Interior (repeat Unit Interior for each ADU, with defects, in Outbuilding) + +- Vehicle Storage +- Subject Property Amenities + +Display a separate row for each apparent defect, damage, or deficiency. If the same Feature has multiple, display +each on a separate row. + +The Estimated Cost to Repair column displays +when CostToRepairType = “Itemized” + +- An amount must be provided for each item +with DefectItemRecommendedActionType = +“Repair”. + +- Sum all amounts and display at bottom of +the column with label Total Cost + +− Do not display column on report if Cost to + +Repair Method <> “Itemized” + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 26 - 4 + +Page 355 + +Figure 26 - 5 + +Appendix B-1: URAR Implementation Guide v1.3 diff --git a/chunks/txt/5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43.txt b/chunks/txt/5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43.txt new file mode 100644 index 0000000000000000000000000000000000000000..dcc3b44d0100534df76dff8a23182b506204aab8 --- /dev/null +++ b/chunks/txt/5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43.txt @@ -0,0 +1,25 @@ +https://www.fanniemae.c om/c ontent/tec hnology_r equirements/u +ldd-mismo-specification-user-guide.pdf + +UTF-8 and Unicode Standards +W3C + +www.utf-8.com/ +www.w3.org/ + +State code – Use USPS list of two- +character codes – Select Pub.28 for +further detail. +Country code – Use two-character +codes from the ISO 3166 standard +(International Organization for +Standardization) + +http://about.usps.com/publications/welcome.htm + +www.iso.org/iso/country _codes/iso_3166_code_lists/country_n +ames_and_code_elements.htm + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 22 of 22 diff --git a/chunks/txt/597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719.txt b/chunks/txt/597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719.txt new file mode 100644 index 0000000000000000000000000000000000000000..e482609190415da53470d167761cc1cc4eb46673 --- /dev/null +++ b/chunks/txt/597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719.txt @@ -0,0 +1,100 @@ +from the CD rendering example. + +Table 39. UCD v2.0 Spec Excerpt – Projected Payment Table Period Data Requirements. + +UCD UID MISMO v3.3.0 Data Point/Attribute + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUME +NT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED_PAYMENTS/PROJECTED_PAYMENT + +5.003 + +SequenceNumber + +1 + +Must be a whole number. + +5.009 + +PaymentFrequencyType + +Monthly + +▪ Provide only in the first instance of PROJECTED_PAYMENT. + +5.005 + +5.004 + +5.002 + +5.008 + +ProjectedPaymentCalculationPeriodEn +dNumber + +ProjectedPaymentCalculationPeriodSt +artNumber + +ProjectedPaymentCalculationPeriodTe +rmType + +ProjectedPaymentEstimatedEscrowPa +ymentAmount + +▪ This value is rendered in 2 locations in the Projected + +Payments table—for the Estimated Total Monthly Payment +Amount, and for the total monthly ETI&A payment +amount. + +5 + +1 + +Must be a whole number. + +Must be a whole number. + +Yearly + +Provide only in the first instance of PROJECTED_PAYMENT. + +356.00 + +▪ Provide the same estimated escrow amount for each + +instance of PROJECTED_PAYMENT. + +▪ When EscrowIndicator = "false" provide "0" for all + +instances of PROJECTED_PAYMENT. + +5.010 + +ProjectedPaymentEstimatedTotalMaxi +mumPaymentAmount + +1472.35 + +5.007 + +ProjectedPaymentMIPaymentAmount + +109.00 + +▪ Provide the maximum amount of the premium for the + +period indicated in this instance of PROJECTED_PAYMENT. +If MI has terminated, provide “0”. + +▪ When MIRequiredIndicator = "false" provide "0" for all + +instances of PROJECTED_PAYMENT. + +5.006 diff --git a/chunks/txt/5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877.txt b/chunks/txt/5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877.txt new file mode 100644 index 0000000000000000000000000000000000000000..ab137056475fad554a6949264cadaa51fb26332a --- /dev/null +++ b/chunks/txt/5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877.txt @@ -0,0 +1,134 @@ +• 16 edits with severity change + +• 21 new warning Edits + +© 2025 Fannie Mae + +Effective +Date + +Impacted +Area + +Version + +Description + +File +Type + +Impact + +• 5 Edits message update + +Oct 21 + +Edit Updates + +7.6.19 + +2 edits moving from warning to fatal for buydown and 1 +edit moving from warning to fatal for loan limits + +ULDD- +MISMO 3.0 + +• 3 edits with severity change + +Oct 21 + +Edit Updates + +7.6.19 + +1 edit moving from warning to fatal for loan limits + +ULAD – +MISMO 3.4 + +• 1 edit with severity change + +Oct 21 + +Edit Updates + +7.6.19 + +1 new warning edits and 1 new warning to fatal edit +related to Payment + +ULDD- +MISMO 3.0 + +• 2 new edits + +Nov 25 + +Edit Updates + +7.6.20 + +3 edits moving from warning to fatal for Housing +Counseling LLPA Credit loans + +ULDD- +MISMO 3.0 + +• 3 edits with severity change from Warning + +to Fatal + +Nov 25 + +Edit Updates + +7.6.20 + +• 1 new fatal edit to enforce Selling Guide Announcement +SEL-2024-07 and project review requirements for +delivering manufactured homes + +ULDD- +MISMO 3.0 + +• 1 new edit with severity Fatal + +Nov 25 + +Edit Updates + +7.6.20 + +• 1 new fatal edit to enforce Selling Guide Announcement +SEL-2024-07 and project review requirements for +delivering manufactured homes + +ULAD- +MISMO 3.4 + +• 1 new edit with severity Fatal + +Dec 16 + +Edit Updates + +7.6.21 + +3 edits moving to fatal with category Payment, MI, +Investor + +ULDD – +MISMO 3.0 + +• 3 edits with severity change to Fatal + +2 DU compare edits moving form “warning” to “warning +to fatal” to validate monthly income + +• 2 edits with severity change from warning + +to “warning to fatal” + +© 2025 Fannie Mae + +© 2025 Fannie Mae diff --git a/chunks/txt/5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94.txt b/chunks/txt/5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94.txt new file mode 100644 index 0000000000000000000000000000000000000000..46bed642bd12a8b41454f91e04ba0bb456dae109 --- /dev/null +++ b/chunks/txt/5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94.txt @@ -0,0 +1,107 @@ +• + +Energy Efficient and Green Features + +Renewable Energy Component: Leased Solar Panels + +• +• Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score) + +• Defects, Damages, Deficiencies: None + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +14568 GENERIC RD, OUT THERE, VA 56789 + +SUMMARY + +Opinion Of Market Value + +$775,000 + +Market Value Condition + +As Is + +Effective Date Of Appraisal +Assignment Reason +Borrower Name + +Current Owner Of Public Record +Contract Price +Listing Status + +09/08/2019 +Purchase +Bob Borrower +Betty Borrower +Jane Doe +$770,000 +Pending + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Agatha Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q4 +C4 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +1 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Single Family Scenario 3 (SF3) diff --git a/chunks/txt/598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be.txt b/chunks/txt/598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be.txt new file mode 100644 index 0000000000000000000000000000000000000000..25aa86ca2f88b880b7c972330d8a8184185e6fef --- /dev/null +++ b/chunks/txt/598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be.txt @@ -0,0 +1,112 @@ +Data Point Field +Length + +Format + +Data Format: +yyyy-mm-dd + +10 + +Date/Time + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Comparable' and +@AppraisalInspectionType='ExteriorOnly']/@In +spectionDate + +/VALUATION_RESPONSE/REPORT/FORM/ +@AppraisalReportContentIdentifier + +19 + +String + +PDF Display Format: +mm/dd/yyyy +This field occurs on every page of the form and must be consistent. +The only allowable value for this string is: +UAD Version 9/2011 + +520 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +521 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +522 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +523 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +The Y value of the geographic +coordinate system using geodetic +model based on North American +datum of 1983. +The X value of the geographic +coordinate system using geodetic +model based on North American +datum of 1983. +The Y value of the geographic +coordinate system using geodetic +model based on North American +datum of 1983. +The X value of the geographic +coordinate system using geodetic +model based on North American +datum of 1983. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/L +OCATION/@LatitudeNumber +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/L +OCATION/@LongitudeNumber +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/LOCATION/@LatitudeNumber +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/LOCATION/@LongitudeNumber diff --git a/chunks/txt/598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f.txt b/chunks/txt/598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9330645b5ae86373851e012d2b08c6ba55dbf8f4 --- /dev/null +++ b/chunks/txt/598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f.txt @@ -0,0 +1,141 @@ +The xlink specification is implemented within MIMSO v3.3.0 using attributes. Note that “@xlink:” is the +namespace prefix assigned by MISMO to @xlink attributes in order to differentiate them from MISMO data +elements and attributes. + +The figure below shows the Contact Information table with only the names of each organization and the +individual contact employed by that organization, along with the XML attributes that must be included in the +UCD file to establish the relationships between them. + +Appendix E: UCD Implementation Guide + +Page 227 of 254 + +Version 1.4 + +Uniform Closing Dataset + +23.0 Contact Information + +Contact Information + +To + +PARTIES/PARTY/ROLES +ROLE/ + +1 + +SequenceNumber + +Lender + +Mortgage Broker Real Estate Broker + +(B) + +Real Estate Broker +(S) + +Settlement Agent + +3 + +5 + +7 + +9 + +xLink Label + +PARTY1_RO LE +1 + +PARTY3_RO LE1 + +PARTY5_RO LE1 + +PARTY7_RO LE1 + +PARTY9_RO LE1 + +ROLE_DETAIL/PartyRole +Type + +REAL_ESTATE_AGENT/R +ealEstateAgentType + +Note Pay To + +Mortgage Broker Real Estate Age nt Real Estate Age nt Closing Agent + +Selling + +Listing + +Name + +Ficus Bank + +Be ta Brokerage +Services + +O me ga Real Estate +Broker, Inc. + +Alpha Real Estate +Broker, Inc. + +Epsilon Title Co. + +Relationship + +MESSAGE/DOCUMENT_ +SETS/DOCUMENT_SET/ +DOCUMENTS/DOCUME +NT/RELATIONSHIP/ + +1 + +SequenceNumber + +2 + +3 + +4 + +5 + +xlink:arcrole + +xlink:from + +xlink:to + +From + +urn:fdc:mismo.o +rg:2009:re sidenti +al/RO LE_IsEmp +loye dBy_ROLE + +urn:fdc:mismo.org: +2009:residential/R +O LE_IsEmployedB +y_RO LE + +urn:fdc:mismo.org: +2009:re sidential/R +O LE_IsEmployedB +y_RO LE + +urn:fdc:mismo.org: +2009:re sidential/R +O LE_IsEmployedB +y_RO LE + +urn:fdc:mismo.org: +2009:residential/R +O LE_IsEmployedB +y_RO LE diff --git a/chunks/txt/598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82.txt b/chunks/txt/598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82.txt new file mode 100644 index 0000000000000000000000000000000000000000..47d496078fa2128ef49644cf765fa1b5373e9640 --- /dev/null +++ b/chunks/txt/598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82.txt @@ -0,0 +1,100 @@ +Actual Age + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘0’]/SALE_ +PRICE_ADJUSTMENT[@_Type=‘Age’]/@_Description + +2 + +Enumerated + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +Allowable Values +Q1 +Q2 +Q3 +Q4 +Q5 +Q6 +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates whether the actual age is estimated. + +1 + +3 + +Boolean + +PDF Display Format: +If 'Y' then display a tilde (~) before the value entered. +If 'N' then display nothing for Boolean response. + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Improvements Section +Numeric, whole years only. Zero (0) is a valid value. + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +249 + +2 + +27 + +SALES +COMPARISON +APPROACH + +Condition + +GSE Overall +Condition Type + +The overall condition rating of the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEOverallConditionType + +2 + +Enumerated + +Allowable Values + C1 + C2 + C3 + C4 + C5 + C6 + +250 + +251 + +2 + +2 + +28 diff --git a/chunks/txt/598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7.txt b/chunks/txt/598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..39117ba54235a86759301c3baa18abdc0fd09d8c --- /dev/null +++ b/chunks/txt/598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7.txt @@ -0,0 +1,3 @@ +19 Subject Listing Information ............................................................................................................................................................................................................. 258 + +Overview ................................................................................................................................................................................................................................................ 258 diff --git a/chunks/txt/59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573.txt b/chunks/txt/59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573.txt new file mode 100644 index 0000000000000000000000000000000000000000..c675ecfb9e495fa3d70586ace1f1ff440d8ca289 --- /dev/null +++ b/chunks/txt/59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573.txt @@ -0,0 +1,103 @@ +Data about the original, +second-lien loan + Underwriting Data + Product Derivation + Product Features + Note Terms + +LoanStateDate = Note +Date of second lien + +Subject Loan / Current + +Data valid at the time of +delivery about the second- +lien loan + Current Balances, + +Rates, Option Status, +Payment Status + + MI and Credit + +Enhancements + Escrow Details + GSE Transaction + +Details + + Program Identifiers, + +IFIs + +LoanStateDate = Date +data retrieved from +submitter’s system + +Related Loan / At +Closing + +Data about the original, +first-lien note terms + +LoanStateDate = Note +Date of first lien + +g. Loans with Concurrent Secondary Financing. + +If more than one concurrently closing lien exists on the subject property, the +“RelatedLoan” LOAN container must be sent with a LoanStateType of “Current” +for each subordinate lien. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 41 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Figure IV-14. LOAN Containers Required for Concurrently Closing Secondary Financing +when a First Lien is Being Delivered. + +Subject Loan / At +Closing + +Data about the original +first-lien loan + Underwriting Data + Product Derivation + Product Features + Note Terms + +LoanStateDate = +NoteDate + +Subject Loan / Current + +RelatedLoan / Current + +Data valid at the time of +delivery + Current Balances, + +Rates, Option Status, +Payment Status + + MI and Credit + +Enhancements + Escrow Details + GSE Transaction + +Details + + Program Identifiers, + +IFIs + +MortgageModificationIndic +ator = “false” and +LoanStateDate = Date +data retrieved from +submitter’s system diff --git a/chunks/txt/59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565.txt b/chunks/txt/59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565.txt new file mode 100644 index 0000000000000000000000000000000000000000..a357946c7747dc994eeb75a58e435aeff875f5e7 --- /dev/null +++ b/chunks/txt/59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565.txt @@ -0,0 +1,110 @@ +- 46 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +b. Closing Transaction Information + +Figure 34. Rendering General Closing Data on the CD. + +1.0 Closing Information + +1.2 Closing Date + +1.3 Disbursement Date + +1.5 File No. + +4-18-2024 + +4-19-2024 + +12-3456 + +General data about the closing transaction is provided in the CLOSING_INFORMATION structure: + +i. + +ii. + +iii. + +The date the borrower becomes contractually obligated to pay the loan is delivered in ClosingDate + +The date the amounts due are expected to be paid to or on behalf of the borrower and/or property seller is +provided in DisbursementDate. + +The value provided in ClosingAgentOrderNumberIdentifier is the identification number assigned to the +transaction by the closing agent. + +Table 27. UCD v2.0 Spec Excerpt - General Closing Information Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Points + +MISMO v3.3.0 Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA +NS/LOAN/CLOSING_INFORMATION/CLOSING_INFORMATION_DETAIL + +6.015 + +CashFromBorrowerAtClosingAmount + +25332.30 + +Must be > "0" + +1.006 + +ClosingAgentOrderNumberIdentifier + +12-3456 + +1.002 + +ClosingDate + +2024-04-18 + +3.038 + +CurrentRateSetDate + +2024-03-18 + +GSE-specific + +1.003 + +DisbursementDate + +2024-04-19 + +N O T E : UCD v1.5 data points UID 10.114-CashFromSellerAtClosingAmount and UID 10.115- +CashToSellerAtClosingAmount have been removed from UCD v2.0. + +Figure 35. XML Snippet - CLOSING_INFORMATION_DETAIL. + + +… + + + + + + + + + +25332.30 + 12-3456 + 2024-04-18 + 2024-03-18 + 2024-04-19 diff --git a/chunks/txt/59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769.txt b/chunks/txt/59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769.txt new file mode 100644 index 0000000000000000000000000000000000000000..7491d320a2a20007f6a331fd25a051512a697855 --- /dev/null +++ b/chunks/txt/59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769.txt @@ -0,0 +1,51 @@ +applicable to single-family transactions +and already appears in the multifamily +loan matrix. Accordingly, FHFA has +deleted this code from the single-family +loan matrix. + +l. Single-Family Data Field 34 and +Multifamily Data Field 33: Type of +Seller Institution + +This data field identifies the type of + +seller of the loan to the Enterprise. +FHFA has expanded the reporting codes +for this data field to include additional +types of sellers, as the Enterprises have +reported their mortgage data using these +expanded codes since 2001. For single- +family National File B and the +multifamily Census Tract File, FHFA is +preserving the prior PUDB data field +recoding, which is: 1 = Mortgage +Company; 2 = SAIF Insured Depository +Institution; 3 = BIF Insured Depository +Institution; 4 = NCUA Insured Credit +Union; 5 = Other. The prior PUDB data +field recoding is also preserved for the +multifamily National File. + +m. Single-Family Data Field 38 and +Multifamily Data Field 36: Acquisition +Type + +This data field identifies the type of +acquisition by the Enterprise (e.g., credit +enhancement, purchase of State or local +mortgage revenue bond). FHFA has +expanded the reporting codes for this +data field to include additional +acquisition types, as the Enterprises +have reported their mortgage data using +these expanded codes since 2003. +Fannie Mae noted that the proposed +addition of the acquisition type code of +‘‘61 = asset management refinance’’ is +not applicable to single-family +transactions and already appears in the +multifamily loan matrix. FHFA agrees +with this comment and, as a result, has +not included this code in the single- +family matrix. diff --git a/chunks/txt/59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51.txt b/chunks/txt/59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51.txt new file mode 100644 index 0000000000000000000000000000000000000000..25af9358455bfa66c3dec3d38786f357dbfe97ba --- /dev/null +++ b/chunks/txt/59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51.txt @@ -0,0 +1,114 @@ +Table 7 - Special Characters + +Character + +Properly Escaped + +Description + +& + +< + +> + +“ + +‘ + +& + +< + +> + +" + +&apos + +Ampersand + +Less-than sign + +Greater-than sign + +Quotation Mark + +Apostrophe + +Most XML software automatically performs this function and inserts the properly escaped characters. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 17 of 22 + +5.10. Data Format Types + +The data in a loan delivery XML file must pass certain data integrity rules. For example, an invalid +enumeration or non-numeric data in a numeric field could cause the loan delivery XML file to fail +schema validation. The table below provides additional guidance regarding the data format and how +to populate data in the loan delivery XML file for Fannie Mae’s Loan Delivery application. The data +formats are more restrictive than the original MISMO data types: + +Table 8 - Data Types and Formats + +Data Format + +Format + +Amount + +999999999.99 + +Boolean + +true or false + +Date + +YYYY-MM-DD + +Datetime + +YYYY-MM- +DDThh:mm:ss + +Day + +---DD + +Enumerated + +Numeric + +999999999 + +Percent + +999.9999 + +Comments + +The amount data type represents a number for the dollar +amount. +The term names ending with Indicator have values of true +or false. The true or false values must be provided in +lower case or the loan delivery XML file will fail schema +validation. Values of 0 and 1 or Yes/No are not supported. +The date data type represents a specific date. The date +must contain a dash (-) between the Year, Month, and +Date – for example: 2010-03-25. There are some +instances in which the date value will be required as +YYYY (year). The expected date format is documented in +Appendix A: Fannie Mae XML Data Requirements. +The datetime data type provides the capability to capture +the date and time. This data type can also be used to +capture only the date. The date and time must be +provided unless specifically noted to only provide a date. +When providing a date and time combination, the date +and time must be separated by a designator “T” – for +example 2010-03-25T15:21:47. When a date only is +specified, the designator “T” and time should NOT be +included – for example 2010-03-25. The timezone portion +of datetime field type is optional and will be ignored if +provided. diff --git a/chunks/txt/59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1.txt b/chunks/txt/59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1.txt new file mode 100644 index 0000000000000000000000000000000000000000..61566a9c36792fc398c3d762a97fe9af8a5faf43 --- /dev/null +++ b/chunks/txt/59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/research?category%5B176%5D=176" +date_accessed: "2026-01-27T17:54:20.628Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe.txt b/chunks/txt/59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe.txt new file mode 100644 index 0000000000000000000000000000000000000000..5cacd36869ffc193b2fea99021de2c308a8598ff --- /dev/null +++ b/chunks/txt/59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe.txt @@ -0,0 +1,49 @@ +This document is a reference for mapping legacy forms to property characteristics, not about eligibility. While every effort has been made to ensure the reliability of the information in this +document, the respective government sponsored enterprise (GSE) Guides, are the official statements of policies and procedures. + +Typical Properties + +The information contained on the Legacy Forms Mapping table includes properties that have a clear map or correlation from the legacy form numbers to new URAR property characteristics. +Atypical properties, which do not have a clear mapping are not included and are addressed in Atypical Properties. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +3 + +Column Descriptions for Legacy Forms Mapping + +Row / Column Name + +Description + +Legacy Forms + +Name of the legacy form. + +Fannie Mae Number + +The Fannie Mae legacy form number. + +Freddie Mac Number + +The Freddie Mac legacy form number. + +Property Type Characteristics + +The key data points from the new UAD v3.6 Delivery Specification used to identify property type. + +Property Valuation Method + +(UID: 1000.0158, FID: 1.010) + +Construction Method + +(UID: 0300.0034, FID: 1.012) + +Subject Site Owned in Common + +(UID: 0100.0047, FID: 1.020) + +Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the +PropertyValuationMethodType data point. diff --git a/chunks/txt/59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365.txt b/chunks/txt/59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365.txt new file mode 100644 index 0000000000000000000000000000000000000000..985c4a26499f261302ea2d1208bbb51871095950 --- /dev/null +++ b/chunks/txt/59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365.txt @@ -0,0 +1,24 @@ +Community Facilities Districts + +Some jurisdictions have passed legislation that creates community facilities districts and permits them to levy a special tax to +fund the capital costs of a wide variety of public improvements, as well as the ongoing operation and maintenance costs of a +limited number of public services. Proceeds from the special tax are used to support the sale of tax-exempt bonds for the various +capital improvements that are allowed under the legislation, including but not limited to, roads, sewer services, schools, police +and fire protection services, and libraries. + +The assessment that will be used to repay the tax-exempt bonds becomes an ongoing responsibility of the property owner, +similar to state and local property taxes. The assessment lien and the obligation to pay the assessment passes with the title to the +property when ownership of the property is transferred. + +Such legislation generally requires full disclosure of the special assessment to any purchaser of a property located in a +community facilities district. Therefore, a lender originating loans in community facilities districts should disclose to the +appraiser any information that it becomes aware of regarding special assessments on a given property. + +Appraisal Requirements for Properties Located in Community Facilities Districts + +Appraisers must be aware of whether the subject property and the comparables are located within or affected by a community +facilities district because properties subject to an assessment by one of these districts often compete against properties that are +either subject to a significantly different assessment or no assessment at all. Appraisers must consider the reaction of the market, +if any, to the assessment for the applicable community facilities district by analyzing similarly affected comparable sales in their +analysis and should note the effect of the assessment in the appraisal report. All special tax assessments must be reported in the +Subject Property section of the URAR. diff --git a/chunks/txt/59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253.txt b/chunks/txt/59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253.txt new file mode 100644 index 0000000000000000000000000000000000000000..acb38c94cbdb87645bf37515f60ec9418bbfbe93 --- /dev/null +++ b/chunks/txt/59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253.txt @@ -0,0 +1,113 @@ +7. POTENTI AL SI GN CONFL I CTS - UPDATED + +The presentation of the same amounts in different tables on the Closing Disclosure can make it difficult to +determine what sign the value should take in the XML file. Table 4 provides guidance on what signs should be +provided in the XML file. + +Table 4. Signs for Unique Data Points Populating Multiple Form Fields + +Form Field IDs + +Form Field Names + +Data Points + +Sign in UCD File + +6.1 | 6.1.1 + +Closing Costs + +9.1 | 9.1.1 + +TOTAL CLOSING COSTS +(Borrower Paid) + +6.1.4 + +Lender Credits + +9.3 | 9.3.2 + +Lender Credits + +6.2 | 6.2.1 +(Purchase) + +13.3 | 13.3.1 +(Purchase) + +6.2 | 6.2.1 +(Refinance) + +Cash to Close + +Cash to Close From To +Borrower + +Cash to Close From To +Borrower + +10.9.2 | 10.9.4 +(Refinance) + +Cash to Close From To +Borrower + +▪ Integrated Disclosure Section Type = + +“Total Closing Costs” + +▪ Integrated Disclosure Section Total + +Amount + +▪ Integrated Disclosure Section Type = + +“Lender Credit” + +▪ Integrated Disclosure Subsection + +Payment Amount + +▪ Cash From Borrower At Closing Amount +▪ Cash To Borrower At Closing Amount + +▪ Cash From Borrower At Closing Amount +▪ Cash To Borrower At Closing Amount + +12.1 | 12.0.1 + +L. Paid Already by or on +Behalf of Borrower at +Closing + +▪ Integrated Disclosure Section Type = +Paid Already By Or On Behalf Of +Borrower At Closing + +Appendix E: UCD Implementation Guide + +Page 22 of 254 + +Version 1.4 + +Uniform Closing Dataset + +IV. UCD Data Point Categories + +Table 4. Signs for Unique Data Points Populating Multiple Form Fields + +Form Field IDs + +Form Field Names + +Data Points + +Sign in UCD File + +13.0 | 13.2.1 + +Total Paid Already by or on +behalf of Borrower at Closing +(L) diff --git a/chunks/txt/59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66.txt b/chunks/txt/59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c0808748e006e7ba1274bd13629473dfb4b3a0a --- /dev/null +++ b/chunks/txt/59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66.txt @@ -0,0 +1,7 @@ +Subject Transfer History (H1) .............................................................................................................................. 58 + +Comparable Transfer History (H1) ...................................................................................................................... 59 + +Prior Sale and Transfer History Exhibits (H1) ...................................................................................................... 59 + +Sales Comparison Approach .......................................................................................................................... 59 diff --git a/chunks/txt/59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8.txt b/chunks/txt/59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc69b2bd799b0cc1419aeb9a05f8ed91f9604653 --- /dev/null +++ b/chunks/txt/59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8.txt @@ -0,0 +1,143 @@ +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +11 + +12 + +13 + +14 + +15 + +16 + +17 + +18 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +12 + +13 + +14 + +15 + +10 + +SUBJECT + +Zip Code + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_PostalCode + +11 + +SUBJECT + +Borrower + +GSE Borrower +Name + +The unparsed name(s) of person(s) or non- +person entities that are the borrower(s). + +SUBJECT + +Owner of Public Record + +GSE Property +Owner Name + +The unparsed name(s) of the subject +property owner(s). + +/VALUATION_RESPONSE/PARTIES/BORROWER/BORROWER_EXTENSI +ON/BORROWER_EXTENSION_SECTION[@ExtensionSectionOrganizationNa +me='UNIFORM APPRAISAL +DATASET']/BORROWER_EXTENSION_SECTION_DATA/BORROWER_NA +ME/@GSEBorrowerName + +/VALUATION_RESPONSE/PROPERTY/_OWNER/PROPERTY_OWNER_EX +TENSION/PROPERTY_OWNER_EXTENSION_SECTION[@ExtensionSection +OrganizationName='UNIFORM APPRAISAL +DATASET']/PROPERTY_OWNER_EXTENSION_SECTION_DATA/PROPER +TY_OWNER/@GSEPropertyOwnerName + +SUBJECT + +County + +Property County + +The county in which the subject property +is located. + +/VALUATION_RESPONSE/PROPERTY/@_County + +SUBJECT + +Legal Description + +SUBJECT + +Assessor's Parcel # + +Property Legal +Description Text +Description + +A free-form text field used to capture the +legal description of the property for the +type specified in Property Legal +Description Type. + +GSE Assessors +Parcel Identifier + +The identifier or identifiers that describes +the location of the property as related to +county, state or municipal tax records. diff --git a/chunks/txt/59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90.txt b/chunks/txt/59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2a54cfd4e089d1a54ae4e5b29852646f471beb4 --- /dev/null +++ b/chunks/txt/59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90.txt @@ -0,0 +1,50 @@ +https://www.fanniemae.com/content/technology_requirements/ulad-data-relationships.pdf + +ArcRoles require that all labels included in the ArcRole syntax are unique within the file. This is necessary +to create relationships without ambiguity. For example - two assets cannot have the same value for the +xlink:label. + +An error in DU will be generated if the ArcRole doesn’t pass validation and it will stop the transaction to +allow you to make corrections. + +To prevent fatal errors, you need to ensure that the construction of the xlink:label values used for each +ArcRole is valid and unique. For guidance in the creation of ArcRoles, + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +31 + +Chapter 5: URLA (Form 1003) Sections vs. MISMO Data +Structures +This chapter includes a set of diagrams that show the MISMO data structures that supports each section of +the redesigned Form 1003 (not all data points may be listed in the structures): + +XML Content +Form Header +1a. Personal Information (2 pages) +1b. Current Employment/Self Employment and Income (1c. is a repeat of 1b.) +1d. Previous Employment/Self Employment and Income +1e. Income from Other Sources +2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have +2b. Other Assets and Credits You Have +2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe +2d. Other Liabilities and Expenses +3a. Property You Own (3b. is a repeat of 3a.) +4a. Loan and Property Information +4b. Other New Mortgage Loans on the Property You are Buying or Refinancing +4c. Rental Income on the Property You Want to Purchase +4d. Gifts or Grants You Have Been Given or Will Receive for This Loan +5a. About this Property and Your Money for this Loan +5b. About Your Finances +6. Acknowledgements and Agreements +7. Military Service +8. Demographic Information +9. Loan Originator Information +L1. Property and Loan Information +L2. Title Information +L3. Mortgage Loan Information (3 pages) +L4. Qualifying the Borrower (2 pages) +Homeownership Education and Housing Counseling +Unmarried Addendum diff --git a/chunks/txt/59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74.txt b/chunks/txt/59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74.txt new file mode 100644 index 0000000000000000000000000000000000000000..23dfe945789cd5f4770d7eedf23bfdc090d09232 --- /dev/null +++ b/chunks/txt/59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74.txt @@ -0,0 +1,33 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Signature + +Appraiser +John Appraiser +John Appraiser + +03/15/2024 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +03-XXXXXX +MD +12/31/2025 + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K diff --git a/chunks/txt/5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9.txt b/chunks/txt/5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f1fe4ed7c48b46b160df6b135e0292260226f68 --- /dev/null +++ b/chunks/txt/5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9.txt @@ -0,0 +1,69 @@ +§ UCD v2.0 Specification + +§ UCD v2.0 Quick Start Guide + +§ UCD v2.0 Production Schema + +§ UCD v2.0 Implementation Guide + +§ UCD v2.0 Sample CDs + +§ UCD v2.0 Sample XML Files + +§ UCD Validation Schema + +Testing and Credentials + +Access Type + +URL Access + +Credentials + +User Interface Customers https://singlefamily.fanniemae.com/external-resource/ucd-test- + +User ID Required + +environment + +Integrated Customers + +POST: https://api-flex-clve.fanniemae.com/service + +System ID Required + +Application Roles + +The following Application Roles are required to access the test environment, for both a User ID and System ID: + +Application Name: UCD Collection CLVE + +© 2025 Fannie Mae 7.7.25 Page 1 of 2 + +• UCDCLVE_SUBMIT + +• UCDCLVE_ADMIN + +Application Name: FM Single Sign On - FMSSO + +• + +FMSSO_AllowBasicAuth_B2BGateway_FCP + +Partner Adoption Process + +The following process will be required of all vendors and lenders, to complete adoption of UCD v2.0: + +1. Partners will review the provided documentation to determine internal system changes to follow the UCD v2.0 changes. +2. Once changes are implemented on the partner’s technology, testing should be completed using the UCD v2.0 test cases. + +NOTE: Partners are to choose one Purchase and one Refinance from the test cases below to submit for +validation: + +• Refinance Fixed (Alternate Form) +• Refinance ARM (Model Form) +• Purchase Fixed (Model Form) +• Purchase ARM (Model Form) + +3. Completed test cases should be sent to the Fannie Mae UCD Integration Team for review and validation. +4. The UCD Integration Team will review the files provided and will work with partners to clear any discrepancies or Fatal diff --git a/chunks/txt/5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230.txt b/chunks/txt/5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230.txt new file mode 100644 index 0000000000000000000000000000000000000000..a63f28e4556aa5ab89391ed2c5fcdc52a425a5b1 --- /dev/null +++ b/chunks/txt/5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230.txt @@ -0,0 +1,26 @@ +The appraiser must separately report any noncontinuous finished area in the Dwelling Exterior section of the appraisal report. +Noncontinuous finished area is an above-grade finished area that is not designated as an ADU but is attached to the dwelling with +no direct interior access. If there are multiple noncontinuous finished areas in a dwelling, then report the combined square +footage and room summary in the noncontinuous finished area table in the Dwelling Exterior section of the appraisal report. + +All other areas of the dwelling that do not conform to the ANSI definition of finished area are reported as above- or below-grade +unfinished area(s). + +Detached structures that have finished area(s) must be reported separately in the Outbuilding section. These areas must not be +included in the dwelling’s reported finished, nonstandard, or noncontinuous finished area(s). If multiple ADUs are present, repeat the +documentation process for each unit within the appraisal report to ensure all are properly described and analyzed. + +When using sketching or 3D scanning software, the resulting output must conform to the ANSI standard. See Exhibits for +Appraisals in SB4-1.2-01, Appraisal Reports and Exhibits for additional information on footprint sketches and floor plans. + +Gross Building Finished Area for Two- to Four-Units + +The gross building finished area + +• +• + +is the most common comparison for two- to four-unit properties; +is the total finished area for all dwelling(s) regardless of grade level and whether the finished area is standard or +nonstandard, including common finished area(s), ADUs, and below-grade finished area(s) not associated with a specific +unit based on exterior measurements; diff --git a/chunks/txt/5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef.txt b/chunks/txt/5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..c02bd65ce628a715cf3268150d104eee70d0e796 --- /dev/null +++ b/chunks/txt/5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef.txt @@ -0,0 +1,55 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +Testing Availability + +Aug. 20, 2025 + +During the weekend of May 17, 2025, Fannie Mae implemented an update to Desktop Underwriter® (DU®) Version 12.0. At that time, +Technology Service Providers (TSPs) were advised of delayed testing for the new DU messages related to Income Calculator. + +New DU messages referencing Income Calculator + +There are three new messages (message IDs 3743, 3745, and 3747) confirming eligibility for enforcement relief of representations +& warranties offered by Income Calculator. These messages can now be tested in the integration environment. An updated DU +message file will be published in the future. + +System Updates + +Please review this memo in addition to the FAQs to ensure that your integrated system(s) will be prepared to fully support DU +submissions within 120 days, as outlined in Section 5 of the Software Subscription Agreement. + +The DU Specification was expanded as described below per the May 2024 Integration Impact Memo. TSPs must make these +updates so the Income Calculator evaluation information can be matched to income data in the DU submission. + +Unique ID + +MISMO v3.4 Data Point Name + +Supported Value + +Description + +4.0316 + +4.0318 + +DU:VerificationReportSupplierType + +IncomeCalculator + +DU:VerificationReportType + +IncomeCalculator + +4.0317 + +DU:VerificationReportIdentifier + +To identify when income amounts submitted to +DU are supported by an Income Calculator +evaluation. Refer to the Income Calculator page +for additional information on this tool. + +To provide the Income Calculator generated ID for +each borrower/employer or borrower/rental +property combination. There may be more than +one Income Calculator ID for a DU loan casefile. diff --git a/chunks/txt/5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6.txt b/chunks/txt/5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca36786144d85ed5ee9af2dbe2072f153d43aa75 --- /dev/null +++ b/chunks/txt/5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6.txt @@ -0,0 +1,113 @@ +Indicates that the zoning regulations allow +the property to rebuild to the current +density. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr +entDensityIndicator='N'] + +PROJECT SITE + +Zoning Compliance +No Zoning + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='No +Zoning'] + +PROJECT SITE + +Zoning Compliance +Illegal + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='Ille +gal'] + +1 + +13 + +13 + +Boolean + +Enumerated + +Enumerated + +99 + +PROJECT SITE + +100 + +PROJECT SITE + +101 + +PROJECT SITE + +102 + +PROJECT SITE + +103 + +PROJECT SITE + +Is the highest and best use of the subject +property as improved (or as proposed per +plans and specifications) the present +use? Yes + +Is the highest and best use of the subject +property as improved (or as proposed per +plans and specifications) the present +use? No + +Is the highest and best use of the subject +property as improved (or as proposed per +plans and specifications) the present +use? If No, describe + +Utilities +Electricity +Public + +Utilities +Electricity +Other + +PROJECT SITE + +Zoning Compliance +Illegal (describe) + +Site Zoning +Compliance +Description + +A free-form text field describing any +issues concerning how the site complies +with zoning regulations including +limitations on future development. + +/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningComplianceDescriptio +n + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. diff --git a/chunks/txt/5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec.txt b/chunks/txt/5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..20413b2c324dfada064a3084c85be3dab2a80784 --- /dev/null +++ b/chunks/txt/5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec.txt @@ -0,0 +1,46 @@ +Represents the page number on the appraisal form. + +Form Reference Number + +Represents the form reference number on the appraisal form. + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Represents the form section on the appraisal form. + +Represents the form field label on the appraisal form. + +Represents the name for a given data element/attribute. +• MISMO data point names were obtained from the MISMO Logical Data Dictionary (LDD) version 2.6. +• Several data points were created as an extension. The extension data point names were defined by the GSEs and will not be available in the MISMO LDD. + +Represents the definition for the corresponding data point name. +• MISMO data point definitions were obtained from the MISMO LDD version 2.6. +• The extension data point definitions were defined by the GSEs and will not be available in the MISMO LDD version 2.6. + +XPath + +Represents the XPath used to navigate through elements and attributes in an XML document. The XPath includes the supported enumerated value for the corresponding data point +when applicable. + +Field Length + +Represents the allocated field length for XML. The form field length for PDF rendering must not exceed the allocated field length for the XML. + +Format + +Unless otherwise noted, format field types supported are: +• Boolean - The boolean data type represents an attribute that always has the values of ‘Y’ or ‘N’ representing a ‘Yes’ or ‘No’ value. The Y or N values must be provided in upper +case or the appraisal XML file will fail schema validation +• Date/Time - The date/time data type represents a date only. The date must contain a dash (-) between the Year, Month, and Date – for example: 2010-03-25 +• Enumerated - The enumerated data type represents a list of predefined values +• Money - The money data type represents whole numeric values only. The numeric value should not contain dollar signs ($) or commas (,) +• Numeric - The numeric data type represents a numeric value only and used for ‘non-money’ data. The numeric value should not contain commas (,) +• String - The string data type represents character strings in an appraisal XML file and may contain a word, phrase, sentence or paragraph. Each string field has a maximum +character limit specified. Refer to Appendix A or Appendix B for the field length allocated for the string data type. diff --git a/chunks/txt/5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce.txt b/chunks/txt/5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf26175032fdf037ffb8c8304bf15d1101b3aa0b --- /dev/null +++ b/chunks/txt/5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce.txt @@ -0,0 +1,68 @@ +12 Outbuilding + +12 Outbuilding + +The Outbuilding section provides information about additional structures on the site, other than the main +residence(s). Examples include standalone ADUs, barns, and pool houses. The section repeats for each +outbuilding, and outbuilding characteristics determine the amount of information reported. The Outbuilding +section provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies. + +The display of the Outbuilding section varies depending on whether the outbuilding is real property and +whether it contains an ADU. + +When a detached garage has no additional separate area, it is reported in Vehicle Storage, and not reported as +an outbuilding. Reference Appendix 4: Detached Garage Examples for additional information and examples. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Outbuilding: General Information + +12.002 Considered Real +Property + +12.003 Units in + +Structure + +Always required + +Yes | No + +Number + +Required if +Outbuilding +Considered Real +Property is Yes + +Outbuilding Considered Real Property: Indicates whether the outbuilding is +considered real property (e.g., permanently affixed to the land). + +Units in Structure: The number of accessory dwelling units in the outbuilding. +• +• + +If there are no ADUs in the outbuilding, enter 0. +If there is an ADU in the outbuilding, provide the number of ADUs (1 or +more). Examples include: + +o + +o + +ADU/Garage: A detached garage with a living unit above or +attached by a common wall +Standalone ADU + +Note: Additional information about the ADU is captured in the Unit Interior +section that displays after the associated Outbuilding section. diff --git a/chunks/txt/5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37.txt b/chunks/txt/5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37.txt new file mode 100644 index 0000000000000000000000000000000000000000..25244dfcab6287eb45ead087410d6e9a7363cdf4 --- /dev/null +++ b/chunks/txt/5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37.txt @@ -0,0 +1,44 @@ +o Total Linear Measurement – WaterFrontageTotalLengthLinearMeasure, @LinearUnitOfMeasureType (UID: 1500.0091, + +FID: 4.031) displays + +▪ Display Linear Measurement and Unit of Measure in same cell + +o Permanent Waterfront Feature - WaterfrontFeatureType (UID: 1500.0082, FID: 4.032) displays, e.g., Beach, Dock, etc. + +▪ When there are multiple waterfront features, display as stacked on separate lines. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 124 + +o Right to Build - WaterfrontDevelopmentRightsIndicator (UID: 1500.0092, FID: 4.033) displays when + +WaterfrontFeatureType = "None" + +o Frontage - BodyOfWaterType (UID: 1500.0073, FID: 4.034) – e.g., Bay, Canal, Cove, etc. +▪ This field redisplays from Site Influence Detail - FID: 4.027 (Figure 4 - 7) + +o Name - BodyOfWaterName (UID: 1500.0072, FID: 4.035) displays when provided +o Waterfront Access Rights - WaterAccessRightType (UID: 1500.0079, FID: 4.036) displays +o Access Depth - WaterAccessDepthType (UID: 1500.0197, FID: 4.037) displays +o Water Frontage Commentary - ValuationAnalysisCategoryType (UID: 1500.0253, FID: 4.037) = “WaterFrontages” + +displays when provided + +Note: When PrivateAccessIndicator = “true”, an image must be provided in Site Exhibits with + +ImageCategoryType = “WaterFrontage”. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 4 - 7 + +Page 125 + +View and Impact to Value/Marketability + +The View and Impact to Value/Marketability subsection always displays. Additional information is always required for each view. Each view +displays as a separate row in the table. (Figure 4 - 8) + +Appendix B-1: URAR Implementation Guide v1.3 diff --git a/chunks/txt/5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43.txt b/chunks/txt/5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43.txt new file mode 100644 index 0000000000000000000000000000000000000000..8df645aca037c8986da7c774b652441186fca005 --- /dev/null +++ b/chunks/txt/5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43.txt @@ -0,0 +1,23 @@ +B. For More Information .............................................................................................................................................................219 +22.0 Other Disclosures ....................................................................................................................................................................221 +A. Mapping Guidance ..................................................................................................................................................................222 +B. For More Information .............................................................................................................................................................222 +23.0 Contact Information ................................................................................................................................................................223 +23.0.1 – 23.0.5 Contact Information Parties - UPDATED..........................................................................................................223 +23.0.1 Lender .......................................................................................................................................................................... 224 +23.0.2 Mortgage Broker ......................................................................................................................................................... 224 +23.0.3 Borrower’s Real Estate Broker ................................................................................................................................... 224 +23.0.4 Seller’s Real Estate Broker.......................................................................................................................................... 224 +23.0.5 Settlement Agent ........................................................................................................................................................ 224 +23.1 – 23.9 Party Information.....................................................................................................................................................224 +23 .1 Name (Company) ....................................................................................................................................................... 224 +23 .2 Addr ess ......................................................................................................................................................................... 225 +23 .3 NMLS ID (Organization)............................................................................................................................................ 225 +23 .4 Sta te Code + License I D - UPDATED ........................................................................................................................ 225 +23 .5 Contact (Primary) .......................................................................................................................................................... 225 +23 .6 NMLS ID (Contac t) ..................................................................................................................................................... 225 +23 .7 Sta te Code + License I D - UPDATED ...................................................................................................................... 225 +23 .8 Email .............................................................................................................................................................................. 225 +23 .9 Phone ............................................................................................................................................................................. 225 +A. Contact Table Relationships in the UCD File .........................................................................................................................226 +1. diff --git a/chunks/txt/5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e.txt b/chunks/txt/5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e.txt new file mode 100644 index 0000000000000000000000000000000000000000..4b82257b042d42eecfc2e084addf09219d9fc7ef --- /dev/null +++ b/chunks/txt/5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e.txt @@ -0,0 +1,57 @@ +Page 142 + +Appendix B-1: URAR Implementation Guide v1.3 + +06 Energy Efficient and Green Features + +Page 143 + +The Energy Efficient and Green Features section provides information about the following and their impacts to value and/or marketability: + +• Renewable energy components, such as solar panels +• Building certifications, such as Leadership in Energy and Environmental Design (LEED) and National Green Building Standard (NGBS + +Green™) + +• Green efficiency ratings, such as HERS® and WaterSense + +This section provides space for additional commentary and exhibits. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 144 + +The Energy Efficient and Green Features section displays when one or more of the three energy efficient or green features is “true”. (Figure 6 +- 1) + +• Known Renewable Energy Components: RenewableEnergyComponentExistsIndicator (UID: 2600.0005, FID: 6.000) +• Known Building Certifications: GreenCertificationExistsIndicator(UID: 2600.0004, FID: 6.004) +• Known Efficiency Ratings: EfficiencyRatingExistsIndicator (UID: 2600.0003, FID:6.010) + +Figure 6 - 1 + +If all indicators are “false”, the section does not display. +If one indicator is “true”, the section displays. + +• +• +• When RenewableEnergyComponentExistsIndicator (UID: 2600.0005, FID: 6.000) = “true”, do not display “Known Renewable Energy + +Components” (Figure 6 - 2) + +• When an indicator is “true”, a table with additional data displays. (Figure 6 - 3) + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 145 + +Figure 6 - 2 + +Figure 6 - 3 + +Report +Field ID + +Report Label + +Energy Efficient and Green Features: General Information diff --git a/chunks/txt/5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e.txt b/chunks/txt/5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e.txt new file mode 100644 index 0000000000000000000000000000000000000000..02735f2ddf6e4cee7714018a2b3f157a2e91738e --- /dev/null +++ b/chunks/txt/5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e.txt @@ -0,0 +1,20 @@ +Revision History ...................................................................................................................................................................................... 2 +Table of Contents .................................................................................................................................................................................... 8 +Introduction ............................................................................................................................................................................................ 9 +Overview ............................................................................................................................................................................................... 10 +Header and Footer ................................................................................................................................................................................ 24 +01 Summary .......................................................................................................................................................................................... 25 +02 Assignment Information ................................................................................................................................................................... 33 +03 Subject Property ............................................................................................................................................................................... 46 +04 Site ................................................................................................................................................................................................... 55 +05 Disaster Mitigation ........................................................................................................................................................................... 85 +06 Energy Efficient and Green Features ................................................................................................................................................. 87 +07 Sketch............................................................................................................................................................................................... 91 +08 Dwelling Exterior .............................................................................................................................................................................. 92 +09 Manufactured Home ...................................................................................................................................................................... 116 +10 Unit Interior.................................................................................................................................................................................... 125 +11 Functional Obsolescence ................................................................................................................................................................ 148 +12 Outbuilding .................................................................................................................................................................................... 150 +13 Vehicle Storage ............................................................................................................................................................................... 161 +14 Subject Property Amenities ............................................................................................................................................................ 166 +15 Overall Quality and Condition ......................................................................................................................................................... diff --git a/chunks/txt/5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57.txt b/chunks/txt/5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b498c5b8943c44fa9a63c41066a423888267cf7 --- /dev/null +++ b/chunks/txt/5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57.txt @@ -0,0 +1,82 @@ +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +4.028 + +Impact + +4.029 + +Comment + +Adverse, +Beneficial, or +Neutral + +Free-form + +Required for each +identified Apparent +Environmental +Condition + +Required for each +identified Apparent +Environmental +Condition + +Commentary on the nature of the environmental condition, and its impact to +value and / or marketability. + +Allowable Answer + +None + +Hazardous Above Ground +Storage Tank + +Apparent Environmental Condition (Choose all that apply) + +Definition / Additional Guidance + +Select this answer if there are no apparent environmental conditions that influence the property, and the Apparent +Environmental Condition row does not display. + +Stationary storage tank above the surface grade with capacity of 1000 gallons or more of flammable or explosive material. + +Hazardous Substances + +Any material that may be harmful to humans, the property, and / or the environment. + +Landfill + +Radon + +An area of land that is built up from deposits of solid refuse in layers covered by soil. + +A heavy radioactive gaseous element formed by the decay of radium. + +Appendix F-1: URAR Reference Guide + +Page 64 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Allowable Answer + +Slush Pit + +Apparent Environmental Condition (Choose all that apply) + +Definition / Additional Guidance + +Earthen pit or basin excavated next to drilling rigs that are used for the collection and disposal of drilling muds and well +cuttings. + +Soil Contamination + +The presence of chemicals or other alterations to the natural soil environment. diff --git a/chunks/txt/5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68.txt b/chunks/txt/5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68.txt new file mode 100644 index 0000000000000000000000000000000000000000..6bdb6760b5ae70bdea522476b3de2e4c073ba6bf --- /dev/null +++ b/chunks/txt/5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68.txt @@ -0,0 +1,124 @@ +Vehicle Storage + +Storage +Driveway + +Garage + +Number of Parking Spaces +5 + +2 + +Detail +Gravel + +Detached +700 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Appraisal Version #3 + +Fannie Mae | Freddie Mac +September 2024 + +Appraiser Reference ID + +2222-55HG + +Client Reference ID BL2345-1234567 + +Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 15 of 30 + +Vehicle Storage (continued) + +Vehicle Storage Exhibits + +Garage - Unfinished Space + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Material +Wood + +Wood + +Whole Home + +Indoor Fireplace + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck - Deck 1 + +Deck - Deck 2 + +Detail +100 Sq. Ft. +Not Attached to Manufactured Home + +100 Sq. Ft. +Not Attached to Manufactured Home + +Total Number - 1 + +This is where the Deck 1 photo would display. + +This is where the Deck 2 photo would display. + +Indoor Fireplace + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 16 of 30 +Page 16 of 30 + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition + +C1 +C1 +C1 + +Reconciliation of Overall Quality and Condition + +The building is a standard building plan with standard grade building materials. + +Highest and Best Use + +Is the present use of the subject property ... + +Legally Permissible +Physically Possible diff --git a/chunks/txt/5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a.txt b/chunks/txt/5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a.txt new file mode 100644 index 0000000000000000000000000000000000000000..59a921daaaa8f824f4868a7138a14a99a825716b --- /dev/null +++ b/chunks/txt/5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a.txt @@ -0,0 +1,83 @@ +7.5.1 to Payee Type & Name + +7.4.1 $ + +7.5.2 $ + +7.5.3 $ + +7.5.4 $ + +7.5.5 $ + +7.5.6 $ + +7.6 C. Services Borrower Did Shop For +7.7 Fee Item + +7.7.1 to Payee Type & Name + +7.6.1 $ + +7.7.2 $ + +7.7.3 $ + +7.7.4 $ + +7.7.5 $ + +7.7.6 $ + +7.8 D. TOTAL LOAN COSTS (Borrower-Paid) +7.9 Loan Costs Subtotals (A + B + C) + +7.8.1 $ + +7.9.2 $ + +7.9.3 $ + +Other Costs +8.1 E. Taxes and Other Government Fees +8.2 Recording Fees +8.3 Transfer Tax + +8.0 + +8.2 Deed: 8.2.1 $ 8.2 Mortgage 8.2.1 $ +8.3.1 to Jurisdiction Name + +8.1.1 $ + +8.2.2 $ +8.3.2 $ + +8.2.3 $ +8.3.3 $ + +8.2.4 $ +8.3.4 $ + +8.2.5 $ +8.3.5 $ + +8.2.6 $ +8.3.6 $ + +8.4 F. Prepaids +8.5 Homeowner’s Insurance Premium 8.5.1 (n mo.) to Payee Type & Name +8.6.1 (n mo.) to Payee Type & Name +8.6 Mortgage Insurance Premium +8.7.1 ($ per day from Date to Date) +8.7 Prepaid Interest +8.8.1 (n mo.) to Payee Type & Name +8.8 Property Taxes +8.9.1 (n mo.) to Payee Type & Name +8.9 Prepaid Item + +8.5.2 $ +8.6.2 $ +8.7.2 $ +8.8.2 $ +8.9.2 $ diff --git a/chunks/txt/5ae3e14544321fb5d44a1c1c7319b00e1a57922810dc710df050405ec581d4e5.txt b/chunks/txt/5ae3e14544321fb5d44a1c1c7319b00e1a57922810dc710df050405ec581d4e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ed2a9f25f7c05c01c5bfb8ccd0fdf88f20d9d1a --- /dev/null +++ b/chunks/txt/5ae3e14544321fb5d44a1c1c7319b00e1a57922810dc710df050405ec581d4e5.txt @@ -0,0 +1,100 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix E‐3: Report Style Guide Supplement – Completion Report with Codes +Document Version 1.2 +September 17, 2024 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of  the +Federal Housing Finance Agency. +©2024 Freddie Mac and Fannie Mae. Trademarks of the respective owners. + +Revision History + +Date + +Version # + +Report Section + +Change # + +Revision Description + +9/17/2024 + +1.2 + +Footer + +2024‐028 + +Updated date in Footer to September 2024 + +Footer + +2023‐061 + +Updated date in Footer to December 2023 + +12/12/2023 + +3/29/2023 + +1.1 + +1.0 + +Certifications and Scope +of Work + +2023‐003 + +Updated predefined text for all Supervisory Appraiser Certifications + +Initial Publication + +Introduction + +The Report Style Guide Supplement is a visual guide to the Report Style Guide. + +Each section of the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and +Completion Report is provided with codes in the Report Style Guide. Codes are the specific type face, placement, +and visual treatment that must be applied for each component within the sections. + +Appendix E Supplements are as follows: + + Report Style Guide Supplement – URAR with Codes + + Report Style Guide Supplement – Restricted Appraisal Update Report with Codes + + Report Style Guide Supplement – Completion Report with Codes + +HDR-L + +TAB + +Subject Property + +TXR-B +TXR-B + +Physical Address +County + +2 COLUMN PAGE FORMAT + +HDR-R + +H1 + +TXC + +TAB + +TXR-B + +TXR-B +TXC-B + +Legal Description diff --git a/chunks/txt/5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877.txt b/chunks/txt/5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877.txt new file mode 100644 index 0000000000000000000000000000000000000000..f89907c92ff6ce89cca026d55f187cac64dda815 --- /dev/null +++ b/chunks/txt/5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877.txt @@ -0,0 +1,101 @@ +Information for each Exterior Feature + +Dwelling Exterior: Quality and Condition – Information for each Exterior Feature + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +8.024 + +N/A + +Always displays + +N/A + +Definition / Additional Guidance + +The table below supports the Exterior Quality and Condition ratings and reflects +the market value condition of this report + +8.041 + +Feature + +Always required + +Choose applicable +answers from the +Definition / +Additional +Guidance column + +Exterior Feature +• +Exterior Walls and Trim +• +Foundation +• +Roof +• Windows +• + +Other (Describe) - If applicable (Exterior Feature Other Description) + +8.026 +8.030 +8.034 +8.038 +8.043 + +8.028 +8.032 +8.036 +8.040 +8.045 + +Quality +Comment + +If needed to describe +the current quality of +the exterior feature + +Free-form + +Brief description of the quality of the exterior feature as of the effective date. +For further expansion of commentary, use Dwelling Exterior Commentary +(8.061). +Notes: +• + +For manufactured homes, the appraiser must indicate whether tie downs +or anchoring systems exist. +For CHOICEHome® and MH Advantage®, the appraiser must confirm +whether or not the home has a “solid perimeter foundation”. + +• + +Condition +Comment + +If needed to describe +the current condition +of the exterior feature + +Free-form + +A brief description of the current condition of the exterior feature as of the +effective date. For further expansion of commentary, use Dwelling Exterior +Commentary (8.061). + +When the item will cause the Market Value Condition of the appraisal (26.009) +to be subject to repair, the appraiser must also reference the Apparent +Defects, Damages, Deficiencies table. diff --git a/chunks/txt/5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1.txt b/chunks/txt/5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1.txt new file mode 100644 index 0000000000000000000000000000000000000000..5cb709ecf996ce166d1253c516b2494370b650b5 --- /dev/null +++ b/chunks/txt/5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1.txt @@ -0,0 +1,84 @@ +Search Criteria Description Detached, 1 story, manufactured, modular, and site built dwellings with no basements located within Market +Boundaries and sold from 6/1/21 - 3/1/22. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +15 +120 +$89,000 +$265,000 +$400,000 +1 + +Sales in Past 24 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Price Trend Source + +27 +$159,000 +$250,000 +$375,000 +No +Local MLS +Smokey Bear Gazette + +Price Trend Analysis Commentary Market data reflects the manufactured and modular home market in the subject’s area. The data +indicates the market is stable to slightly increasing with sales activity of 1 to 2 sales per month which is typical for this rural area. The Smokey +Bear Gazette is a local print media that reports non-MLS home sales and listings. 2 active listings and 3 sales were reported for the 9 months +prior to the effective date of the appraisal and are included in the data reported above. + +Housing Trends + +Demand/Supply + +In Balance + +Marketing Time + +3 to 6 Months + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +MLS + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Transfer Terms +Land Sale + +Date +06/16/2019 + +Amount +$38,500 + +Data Source +Assessor Record +Previous Appraisal File + +Analysis of Prior Sale and Transfer History of Subject Property The prior transfer of the subject was a land sale. Purchase of the +manufactured home was separate from this transaction. The manufactured home was installed after the purchase of the land. diff --git a/chunks/txt/5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec.txt b/chunks/txt/5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..e51333893472e51e2cd895480a121be48d48b80b --- /dev/null +++ b/chunks/txt/5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec.txt @@ -0,0 +1,96 @@ +Proximity +4.0(cid:21)(cid:25) + +Detail +4.0(cid:21)(cid:26) + +Impact +4.0(cid:21)(cid:27) + +Comment +4.0(cid:21)(cid:28) + +Site Influence Commentary + +4.030 + +Water Frontage with Private Access + +Total Linear Measurement + +4.0(cid:22)(cid:20) + +Frontage +4.0(cid:22)(cid:23) + +Name +4.0(cid:22)(cid:24) + +Water Frontage Commentary + +4.0(cid:22)(cid:27) + +View and Impact to Value/Marketability + +View +4.0(cid:22)(cid:28) + +View Commentary + +4.0(cid:23)(cid:21) + +Permanent Waterfront Feature + +4.0(cid:22)(cid:21) + +Right to Build + +4.0(cid:22)(cid:22) + +Waterfront Access Rights +4.0(cid:22)(cid:25) + +Access Depth +4.0(cid:22)(cid:26) + +Range of View +4.0(cid:23)(cid:19) + +Impact +4.0(cid:23)(cid:20) + +Site Features and Impact to Value/Marketability + +Feature +Non-Residential Property Use + +4.0(cid:23)(cid:22) + +Hazard Zone + +Property Restriction + +Easement + +Encroachment + +Site Characteristic + +Detail +4.0(cid:23)(cid:23) + +4.0(cid:23)(cid:26) + +4.0(cid:24)(cid:19) + +4.0(cid:24)(cid:20) + +4.0(cid:24)(cid:23) + +4.0(cid:24)(cid:24) + +4.0(cid:24)(cid:27) + +4.0(cid:24)(cid:28) + +4.0(cid:25)(cid:21) diff --git a/chunks/txt/5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe.txt b/chunks/txt/5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe.txt new file mode 100644 index 0000000000000000000000000000000000000000..42076c28050ea9e4a9ddf598ed3c197762259cbf --- /dev/null +++ b/chunks/txt/5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe.txt @@ -0,0 +1,193 @@ +MLS + +AssessorRecord + +PropertyManagementCompany + +23412-D + +MLS + +32481-D + +MLS + +12438-D + +MLS + +Big Data Price Trends, Inc. + +700 1st Ave, NW + +Unit + +1206 + +Washington + +District of Columbia + +20001 + +DC + +ParkingGarage + +1 + +Owned + +None + +The subject's project and building are on the National Register of Historic Places; as such it serves as an architectural landmark. Its nomenclature as a Historic Designation is considered beneficial in this market. Moreover, the subject's unit and all other units located in this project reap the benefit of this Historic Designation. + +HistoricPreservation + +Beneficial + +ConditionsCovenantsRestrictions + +false + +false + +false + +1 + +Rainwater runoff can carry pesticides, plastics, wastewater, and agricultural runoff that is released into the Potomac. + +Offsite + +HazardousSubstances + +Neutral + +None + +2631 + +Monthly + +AssociationDues + +Electricity + +Gas + +SanitarySewer + +Water + +AssociationSpecialAssessment + +None + +3000 + +OneTime + +OwnershipTransferFee + +true + +false + +true + +false + +Dwelling + +false + +false + +1971 + +false + +None + +Carpet + +The flooring throughout the subject has been replaced over the last 2-5 years. + +TypicalWearAndTear + +Blended wool carpet, pad + +Hardwood + +Refinished approximately 5 years ago. + +TypicalWearAndTear + +Refinished hardwood flooring + +Flooring + +FullyUpdated + +Add comment if needed. + +TypicalWearAndTear + +Add comment if needed. + +WallsAndCeiling + +EightFeet + +Flat + +AboveGrade + +1209 + +LevelOne + +0 + +0 + +0 + +0 + +0 + +1209 + +0 + +false + +false + +1 + +false + +12 + +1 + +0 + +C3 + +Q3 + +1 + +FullyUpdated + +false + +false + +OwnerOccupied + +Additional commentary can be added here, if needed by the Appraiser. diff --git a/chunks/txt/5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1.txt b/chunks/txt/5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..c92c646f27b103101043387426a5ca4ff11cd92a --- /dev/null +++ b/chunks/txt/5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1.txt @@ -0,0 +1,72 @@ +the grids (Sales Comparison, Rental Comparison, GRM Comparison). + +Inspection and Reporting Tips + +Below is a quick guide to the key UAD 3.6 differences from UAD 2.6. + +For additional details on each item summarized in Inspection and Reporting Tips, see Appendix F-1: URAR +Reference Guide. The Report Field ID (red number) identifies the field on the URAR, which can be used to +locate the field within the URAR Reference Guide. + +2 + +Section Name +(Black Tab) + +When Physically Inspecting the Property + +Non-Residential Use + +4.015-4.019 + +Site + +Water Frontage with Private Access + +4.031-4.038 + +Data Description (Not all enumerations have been included. +Refer to the Reference Guide for all enumerations.) + +Non-residential uses | Primarily Residential |Non-Residential +Modifications | Any impact on marketability + +Has private access to water | Access Rights (By Permit, +Deeded, Privately Owned...) | Right to Build | Total Linear +Measurement | Access Depth (Deep Water, Non-Navigable, +Shallow Water...) + +View and Impact to +Value/Marketability + +4.039-4.042 + +View (Primary) | Range (Full, Partial, Seasonal…) + +Mitigation Feature + +5.000 + +A feature designed to prevent or reduce the impacts and risks +of hazards caused by natural disasters (Flood Vents, Impact +Resistant Glass, Storm Shutters…) + +Renewable Energy Components + +6.000-6.003 + +Solar, Wind Turbine… | Ownership (Leased, Owned…) + +Front Door Elevation + +8.005 + +Converted Area + +8.012-8.013 + +Approximate elevation from grade to the bottom of the front +door (Ground Level, Up to 1 foot, 1-2 Ft… 10 or more feet) + +Areas within the structure that have been converted from +their original use into living area. diff --git a/chunks/txt/5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1.txt b/chunks/txt/5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1.txt new file mode 100644 index 0000000000000000000000000000000000000000..50c7b4d77fc1b21b3954f60ff41d1583fc11fa3e --- /dev/null +++ b/chunks/txt/5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1.txt @@ -0,0 +1,288 @@ +$0 + +$0 + +No + +09/15/2021 + +11/01/2021 + +42 + +— + +— + +— + +— + +— + +— + +Detached + +Detached + +No + +12/05/2021 + +02/15/2022 + +86 + +Detached + +14,000 Sq. Ft. + +22,216 Sq. Ft. + +$(20,540) + +13,939 Sq. Ft. + +4 Miles NW + +$229,999 + +Settled Sale + +— + +$219,950 + +$0 + +$0 + +$0 + +$0 + +5 Miles S + +$265,000 + +Settled Sale + +— + +$247,000 + +$0 + +$0 + +No + +11/15/2021 + +01/28/2022 + +110 + +Detached + +20,037 Sq. Ft. + +$(12,075) + +South View + +No Zoning + +Arterial Street +| Concrete + +$0 + +$0 + +$0 + +East Street +Estates + +Legal + +Local Road +| Asphalt + +Rolling + +$0 + +Flat + +$0 + +Residential + +$5,000 + +Busy Roadway + +$20,000 + +Neighborhood Name + +Magic Hill New Forest Pond + +$0 + +Zoning Compliance + +Street Type | Surface + +Topography + +Legal + +Local Road | Asphalt + +Flat + +Site Influence (Location) + +Park | Residential + +Legal + +Local Road +| Asphalt + +Flat + +Pond | +Residential + +View | Range + +Dwelling(s) + +Year Built + +Residential | Full + +Pond | Full + +$(10,000) + +Residential | Full + +Residential | Full + +2020 + +2019 + +$0 + +2017 + +$0 + +2019 + +$0 + +Construction Method + +Manufactured | Site Built + +Multi + +Heat Pump | Electric + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Centralized + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Manufactured Home Width + +Heating + +Cooling + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Foundation + +Condition + +Exterior Walls and Trim + +Roof + +Interior Quality and Condition + +Quality + +Kitchen + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +1,568 Sq. Ft. + +1,700 Sq. Ft. + +$(8,580) + +1,352 Sq. Ft. + +$14,040 + +1,580 Sq. Ft. diff --git a/chunks/txt/5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10.txt b/chunks/txt/5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10.txt new file mode 100644 index 0000000000000000000000000000000000000000..9a7fea2416c35b623e7ef49d0fbaa207acd170a4 --- /dev/null +++ b/chunks/txt/5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/enterprise-affordable-housing-allocations" +date_accessed: "2026-01-27T17:47:56.047Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1.txt b/chunks/txt/5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1.txt new file mode 100644 index 0000000000000000000000000000000000000000..33558995f4a0b4e176496cb846828718472c9a82 --- /dev/null +++ b/chunks/txt/5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1.txt @@ -0,0 +1,7 @@ +Assignment Information and Scope of Work Commentary ......................................................................................................................................... 46 + +Page 5 + +09 Certifications and Intended Use/User ....................................................................................................................................................................... 47 + +Overview ................................................................................................................................................................................................................................... 47 diff --git a/chunks/txt/5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55.txt b/chunks/txt/5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ba9cb187cc7d453a412dd65bbc3d4a76e9cc188 --- /dev/null +++ b/chunks/txt/5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55.txt @@ -0,0 +1,260 @@ +.PROPERTY +..SALES_CONTRACT +...SALES_CONCESSION_EXTENSION +....SALES_CONCESSION_EXTENSION_SECTION +Extension Section Organization Name +…..SALES_CONCESSION_EXTENSION_SECTION_DATA + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +CR + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +CR + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +CR + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +CR + +T + +T + +CR + +CR + +CR +CR +CR +CR +T +CR +CR + +T + +T + +CR + +CR + +CR +CR +CR +CR +T +CR +CR + +T + +T + +CR + +CR + +CR +CR +CR +CR +T +CR +CR + +T + +T + +CR +CR +CR +CR +CR +CR +T +CR +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 19 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +…...SALES_CONCESSION +GSE Undefined Concession Amount Indicator + +.PROPERTY +..PROPERTY_EXTENSION +...PROPERTY_EXTENSION_SECTION +Extension Section Organization Name +….PROPERTY_EXTENSION_SECTION_DATA +…..PROPERTY_TYPE +GSE PUD Indicator + +.VALUATION_METHODS +Valuation Methods Additional Description** + +.VALUATION_METHODS +..COST_ANALYSIS +Site Estimated Value Amount + +Site Estimated Value Comment + +Data Source Description + +Cost Service Quality Rating Description + +New Improvement Total Cost Amount + +New Improvement Depreciated Cost Amount + +Site Other Improvements As Is Amount + +Estimated Remaining Economic Life Years Count + +Value Indicated By Cost Approach Amount + +Cost Analysis Comment** + +Cost Analysis Type** + +.VALUATION_METHODS +..COST_ANALYSIS +...COST_ANALYSIS_EXTENSION +....COST_ANALYSIS_EXTENSION_SECTION +Extension Section Organization Name +.….COST_ANALYSIS_EXTENSION_SECTION_DATA +.…..COST_APPROACH_DATA_SOURCE +GSE Cost Data Source Effective Date Description diff --git a/chunks/txt/5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab.txt b/chunks/txt/5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf2053987dd9d8972a7dc5bd0764b2635f10d598 --- /dev/null +++ b/chunks/txt/5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab.txt @@ -0,0 +1,132 @@ +Yes No +Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support?   + +CK + +Y/N + +TXR-B + +Modification, Attachment, or Addition + +TXC-B + +Description of Modification, Attachment, or Addition + +H1 + +HUD Data Plate + +TXR-B +TXR-B +TXR-B + +HUD Data Plate Attached +Date of Manufacture +Serial Number + +H1 + +HUD Certification Label + +TXR-B + +Label Present for All Sections + +H1 + +Manufactured Home Certification Program + +Certification + +Identifier + +TCH +TB + +H1 + +Invoice Information + +TXR-B +TXR-B + +Purchased from Retailer +Retailer Name + +TXC-B + +Commentary on Why Invoice(s) Not Reasonable + +Manufactured Home Commentary + +H1 +TXC + +H1 + +Manufactured Home Exhibits + +TXR-B +TXR-B +TXR-B + +HUD Wind Zone +HUD Thermal Zone +HUD Roof Load Zone + +TXR-B + +HUD Certification Number + +TXR-B +TXR-B +TXR-B + +Retailer’s Invoice Reviewed +Manufacturer’s Invoice Reviewed +Invoice(s) Appear Reasonable + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +HDR-R + +2 COLUMN PAGE FORMAT + +TAB + +Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier] + +Area Breakdown + +Finished Above Grade +Finished Above Grade (Nonstandard) +Unfinished Above Grade +Finished Below Grade +Finished Below Grade (Nonstandard) +Unfinished Below Grade + +Area Data Source +Below Grade Finish Compared +to Above + +ADU + +Legally Rentable +Data Source +Typical for Market +Ingress/Egress +Separate Postal Address + +Level and Room Detail + +Y/N + +Yes No +  diff --git a/chunks/txt/5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b.txt b/chunks/txt/5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b.txt new file mode 100644 index 0000000000000000000000000000000000000000..f1990d28b03d8d21a81de6c4952e0bef68a2c66a --- /dev/null +++ b/chunks/txt/5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b.txt @@ -0,0 +1,77 @@ +9.010 + +Report Label + +When to Include + +Allowable +Answers / Format + +HUD Data Plate +Attached + +Always required + +Yes | No + +9.011 + +Date of +Manufacture + +Required if HUD Data +Plate Attached is Yes +or if available + +mm/dd/yyyy + +Definition / Additional Guidance + +Indicates whether the manufactured home has a HUD data plate (also referred +to as the Manufactured Home Data Plate or Compliance Certificate) is attached +within the manufactured home. If the HUD Data Plate is not attached but is +available, select No and explain in Manufactured Home Commentary (9.026). + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +If available, a photo of the HUD Data Plate or the verification source must be +provided. The photos display in Manufactured Home Exhibits, with the caption +“HUD Data Plate”. An additional caption may be provided to further identify +the photo. + +The date the manufactured home was built, as shown on the HUD data plate or +other source. +Notes: +• +• + +The year must match Year Built in the Dwelling Exterior section (8.010). +If the Date of Manufacture exceeds 12 months from the Effective Date of +Appraisal (26.011), Overall Condition Rating (15.005) cannot be C1. + +9.012 + +Serial Number + +Required if HUD Data +Plate Attached is Yes +or if available + +9.013 + +HUD Wind Zone Required if HUD Data +Plate Attached is Yes +or if available + +Free-form + +The serial number per section of the manufactured home, as shown on the +HUD data plate or other source. + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c.txt b/chunks/txt/5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c.txt new file mode 100644 index 0000000000000000000000000000000000000000..40b0a2d15bbb8a5b075ec001a88229f2e3ce81be --- /dev/null +++ b/chunks/txt/5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c.txt @@ -0,0 +1,67 @@ +In order for lenders to fully automate and utilize the API more efficiently, the following should be supported: + +▪ The ability to send the DU casefile ID to the property data collection vendor. + +▪ The ability to identify when property data collection is being ordered. + +▪ The ability to receive and collect the Property Data ID from the vendor. + +▪ The ability to receive insight into the findings provided by the API to the vendor. + +▪ The ability to submit the Property Data ID using the field below from the DU specification to DU: + +Unique ID + +12.0033 + +DU Specification + +Data Point Name + +Implementation Notes + +DU:PropertyDataIdentifier This is a GUID generated by Fannie Mae’s Property Data API. + +For example: 7E1946C5AEE02AD5E053E16CCF0A8392 + +© 2023 Fannie Mae 3.1.23 1 of 2 + +Special Feature Code (SFC) Updates + +The DU message that lists applicable SFC will be updated with the changes below. These SFC update will also be reflected in t he +SpecialFeatureCode attribute in the DU Codified Findings. + +How will this affect my integrated system(s)? + +Integrated systems that parse the SpecialFeatureCode attribute in the DU Codified Findings (XML file) will require updates to +support the new SFC within the LOS and Loan Delivery systems. + +Action + +New + +Updated Description + +Retired + +Special Feature Code Description + +774 + +801 + +873 + +Value Acceptance + Property Data + +Value Acceptance (Appraisal Waiver) + +AMI LLPA Waiver + +Release Test Cases + +Will be posted to the DU section of Technology Integration Resources website on or about Mar. 17, 2023. + +Release Support + +The DU Version 11.1 April Update will be implemented in the DU integration environment on or around Mar. 15, 2023. diff --git a/chunks/txt/5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236.txt b/chunks/txt/5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236.txt new file mode 100644 index 0000000000000000000000000000000000000000..b748bbeefbb486ad3f121cd9233ff58155955ab9 --- /dev/null +++ b/chunks/txt/5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236.txt @@ -0,0 +1,122 @@ +Negotiated + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +© 2025 Fannie Mae + +12.10.2025 + +4 of 7 + +Code + +Whole +Loan/MBS + +508 + +Both + +588 + +Both + +630 + +Both + +Description/Definition + +eMortgage +Used to identify a mortgage as an eMortgage loan. +Delivery is optional – code is auto-derived + +Detached Condominium Unit +Used to identify detached units in an attached or detached condominium project. +Delivery is optional – code is auto-derived +Resale Restrictions Terminate at Foreclosure with LTV ratio Based on Market Value +Used to identify a mortgage secured by a property with resale restrictions that expire or +terminate in the event of foreclosure or acceptance of a deed-in-lieu of foreclosure. This +SFC is not applicable if the property is owned by a community land trust. + +Delivery +Type* + +Both + +Both + +Both + +631 + +Both + +679 + +Both + +707 + +Both + +754 + +Both + +773 + +Both + +774 + +Both + +777 + +Both + +784 + +Both + +785 + +Both + +791 + +Both + +792 + +Both + +Resale Restrictions Survive at Foreclosure +Used to identify a mortgage secured by a property with resale restrictions that remain in +place or survive in the event of foreclosure or acceptance of a deed-in-lieu of foreclosure. +This SFC is not applicable if the property is owned by a community land trust. + +HomePath Properties with an Eligible Exception +Used to identify a loan secured by a HomePath property if the multiple financed property +and/or the interested party contribution exceptions apply to the transaction. This SFC should +not be used for a loan secured by a HomePath property that is subject solely to the resale +restriction exception. + +Employment Contract +Used to identify mortgage loans that meet the Selling Guide requirements to document and +verify income and employment using a legally enforceable, unconditional contract of +employment. The loan is delivered prior to the borrower starting employment under the +contract. diff --git a/chunks/txt/5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214.txt b/chunks/txt/5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3c45c5e2860958796958ad2c08c4b8bd66f41e5 --- /dev/null +++ b/chunks/txt/5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13736","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51.txt b/chunks/txt/5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51.txt new file mode 100644 index 0000000000000000000000000000000000000000..748008f7ce9ba2e5279e9eae0ec25d2ccc4ea065 --- /dev/null +++ b/chunks/txt/5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51.txt @@ -0,0 +1,29 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 19 of 19 +Page 19 of 19 + +Certifications (continued) + +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject to +certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain +to disclosure or distribution by me. diff --git a/chunks/txt/5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361.txt b/chunks/txt/5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9213609ba12c25d3f6abcefa464d72e6072c49e --- /dev/null +++ b/chunks/txt/5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361.txt @@ -0,0 +1,35 @@ +home improvements have been completed. The +certification must be documented using the +Appraisal Update and/or Completion Report (Form +1004D) or one of the applicable alternatives +specified in the Selling Guide. + +This loan casefile is eligible for a Uniform Residential +Appraisal Report (Traditional Appraisal - Cooperative +Interest). If the loan casefile is eligible for other property +assessment and valuation options, all options will be +displayed in the Property and Appraisal Information +section. +This loan casefile is eligible for a Uniform Residential +Appraisal Report (Traditional Appraisal - Cooperative +Interest). If the loan casefile is eligible for other property +assessment and valuation options, all options will be +displayed in the Property and Appraisal Information +section +A Comparable Rent Schedule is required when the +borrower needs rental income to qualify. + +If rental income is used to qualify the borrower, a value +acceptance offer must not be exercised and a traditional +Uniform Residential Appraisal Report with a Comparable +Rent Schedule is required. Otherwise, the lender may +exercise the value acceptance offer. + +The Completion Report is required to verify the home +improvements have been completed. This must be +documented using the Completion Report or one of the +applicable alternatives specified in the Selling Guide. + +© 2025 Fannie Mae 9.24.25 + +3 of 3 diff --git a/chunks/txt/5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb.txt b/chunks/txt/5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..437f8dee74ecda164a5efe1b46159861c9f2b3df --- /dev/null +++ b/chunks/txt/5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb.txt @@ -0,0 +1,27 @@ +[*Uniform Residential Loan Application (URLA) Round 7 Consumer Testing Briefing (July 2016) -*Conducted by Kleimann Communication Group](/sites/default/files/documents/Round-7-SanFran_7-29-16.pdf)*(8/4/2017)* + +[FHFA Extends Deadline to July 31 on Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-extends-deadline-to-july-31-on-request-for-input-to-improve-access-to-credit-for-qualified) *(6/29/2017)* + +[*Language Access for Limited English Proficiency Borrowers: Final Report* - Conducted by Kleimann Communication Group for Freddie Mac and Fannie Mae (April 2017)](/sites/default/files/2023-04/Borrower-Language-Access-Final-Report-June-2017.pdf) *(6/14/2017)* + +[FHFA Issues Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-issues-request-for-input-to-improve-access-to-credit-for-qualified-mortgage-borrowers-with) *(5/25/2017)* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473.txt b/chunks/txt/5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473.txt new file mode 100644 index 0000000000000000000000000000000000000000..b9ea8cc41be9536a10666787a931778bead3e9a0 --- /dev/null +++ b/chunks/txt/5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473.txt @@ -0,0 +1,105 @@ +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb +orhoodLocationType='Urban'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb +orhoodLocationType='Suburban'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb +orhoodLocationType='Rural'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange +Type='Over75Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange +Type='25To75Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange +Type='Under25Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy +pe='Rapid'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy +pe='Stable'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy +pe='Slow'] + +8 + +8 + +8 + +14 + +14 + +14 + +6 + +6 + +6 + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue +TrendType='Increasing'] + +10 + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +One and only one of fields 1-53, 1-54, +1-55 (values of Property Neighborhood +Location Type) should be indicated. +One and only one of fields 1-53, 1-54, +1-55 (values of Property Neighborhood +Location Type) should be indicated. +One and only one of fields 1-53, 1-54, +1-55 (values of Property Neighborhood +Location Type) should be indicated. +One and only one of fields 1-56, 1-57, +1-58 (values of Neighborhood Builtup +Range Type) should be indicated. +One and only one of fields 1-56, 1-57, +1-58 (values of Neighborhood Builtup +Range Type) should be indicated. +One and only one of fields 1-56, 1-57, +1-58 (values of Neighborhood Builtup +Range Type) should be indicated. +One and only one of fields 1-59, 1-60, +1-61 (values of Neighborhood Growth +Pace Type) should be indicated. +One and only one of fields 1-59, 1-60, +1-61 (values of Neighborhood Growth +Pace Type) should be indicated. +One and only one of fields 1-59, 1-60, +1-61 (values of Neighborhood Growth +Pace Type) should be indicated. +One and only one of fields 1-62, 1-63, +1-64 (values of Neighborhood Property +Value Trend Type) must be indicated. diff --git a/chunks/txt/5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf.txt b/chunks/txt/5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..008d8bbfda611601bda03a4fbdfc264bbc9f870a --- /dev/null +++ b/chunks/txt/5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf.txt @@ -0,0 +1,95 @@ +Actual Income table + +• Table sets in two parts; each is 3 columns x 22 picas + +o “Rent” sets as TCH for first part + +▪ Column 1: 11 picas 9 points + +▪ Column 2: 5 picas 3 points + +▪ Content in table set as TB-I + +▪ + +Last row Subtotal sets as TB-B, aligned right + +• Columns 1, 2: 5 picas 3 points + +▪ Set 1 line space to second part below + +o “Other Real Property Rental Income” sets as TCH for second part + +▪ Column 1: 11 picas 9 points + +▪ Column 2: 5 picas 3 points + +▪ Content in table set as TB-I + +▪ Second to last row “Subtotal” sets as TB-B + +• Columns 1, 2: 5 picas 3 points + +▪ + +Last row “Total” sets as TB_sub-H1-R in white type. + +• Columns 1, 2: 5 picas 3 points + +ACTUAL INCOME TABLE + +Appendix E: Report Style Guide + +Page 65 of 90 + +Version 1.4 + +Opinion of Market Income (Monthly) (H2-1) + +Right-hand side of page + +• + +“Opinion of Market Income (Monthly)” sets H2-1 x 22 picas + +Opinion of Market Income table + +• Table sets in two parts; each is 3 columns x 22 picas + +o “Rent” sets as TCH for first part + +▪ Column 1: 11 picas 9 points + +▪ Column 2: 5 picas 3 points + +▪ Content in table sets as TB-I + +▪ + +Last row Subtotal sets as TB-B + +• Columns 1, 2: 5 picas 3 points + +▪ Set 1 line space to second part below + +o “Other Real Property Rental Income” sets as TCH for second part + +▪ Column 1: 11 picas 9 points + +▪ Column 2: 5 picas 3 points + +▪ Content in table sets as TB-I + +▪ Second to last row “Subtotal” sets as TB-B + +• Columns 1, 2: 5 picas 3 points + +▪ + +Last row “Total” sets as TB_sub-H1-R + +• Columns 1, 2: 5 picas 3 points + +OPINION OF MARKET INCOME TABLE + +Comparable Rental Properties (H1) diff --git a/chunks/txt/5b940500d4522d430a86c73b589882feac2dd0af3714a43dc7714e75fa025dc4.txt b/chunks/txt/5b940500d4522d430a86c73b589882feac2dd0af3714a43dc7714e75fa025dc4.txt new file mode 100644 index 0000000000000000000000000000000000000000..39572b4f7de73c7329b55ed084204e0dcfe92418 --- /dev/null +++ b/chunks/txt/5b940500d4522d430a86c73b589882feac2dd0af3714a43dc7714e75fa025dc4.txt @@ -0,0 +1,4 @@ +--- +source_url: "https://youtu.be/A-7GhWtLLBo" +date_accessed: "2026-01-27T17:46:38.511Z" +--- diff --git a/chunks/txt/5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84.txt b/chunks/txt/5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84.txt new file mode 100644 index 0000000000000000000000000000000000000000..5810c057c4045eac608344a1177c9d2c5b31658a --- /dev/null +++ b/chunks/txt/5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84.txt @@ -0,0 +1,177 @@ +Off-site Improvements—Type +Street 111 +Alley 114 + +FEMA Map Date 121 + +105 + 108 + 119 + +112 + +115 + +122 + +126 + +125 + +118 + +113 + +116 + +Public Private + +General Description + +Foundation + +materials/condition Interior + +materials/condition + +Exterior Description +Foundation Walls 152 + 153 + 154 + +143 + +141 + +131 + +135 + +133 + +136 + +128 + +144 + 145 + 147 + +140 + Full Basement Partial Basement Exterior Walls + 142 + sq. ft. Roof Surface + +Units One One with Accessory Unit Concrete Slab Crawl Space + 129 +# of Stories 130 +Type Det. Att. S-Det./End Unit Basement Area + 132 + Existing Proposed Under Const. Basement Finish + 134 +Design (Style) 137 +Year Built e-8; 138 +Effective Age (Yrs) 139 +Attic + Drop Stair + 165 +Floor + 167 + Finished + Other 180 + 169 + 179 +Appliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe) 213 + 206 +Finished area above grade contains: 214 +Additional features (special energy efficient items, etc.) 218 + +Outside Entry/Exit Sump Pump Window Type 156 + 146 +Evidence of Infestation + 148 + Dampness Settlement + 150 +Heating FWA HWBB Radiant Amenities + Other 175 +Fuel 176 + 174 +Cooling Central Air Conditioning + Individual + 178 + +None + 164 + Stairs + 166 + Scuttle + 168 + Heated + 170 + +Storm Sash/Insulated 157 + 158 +Screens + +% Gutters & Downspouts 155 + +Bath(s) 217 + +Rooms 215 + +Bedrooms + +216 + +210 + +173 + +211 + +212 + +207 + +177 + +171 + +151 + +208 + +172 + +209 + +Woodstove(s) # 188 Driveway Surface 198 + 187 + Fireplace(s)# 182 Fence 190 + 181 + 189 + Porch 192 + 191 + 183 + Pool 186 + Other 194 + 185 + 193 + +Garage + 199 + Carport + 201 + Att. + 203 + +Patio/Deck 184 + +Det. +204 + +# of Cars 200 +# of Cars 202 + +Built-in + 205 diff --git a/chunks/txt/5b9c073769e62190815e0bed4f5cb01799d5a1d76d81b0dfad25ee5edec5aa97.txt b/chunks/txt/5b9c073769e62190815e0bed4f5cb01799d5a1d76d81b0dfad25ee5edec5aa97.txt new file mode 100644 index 0000000000000000000000000000000000000000..4383ec9c36195b6a73c325134514182747d193fc --- /dev/null +++ b/chunks/txt/5b9c073769e62190815e0bed4f5cb01799d5a1d76d81b0dfad25ee5edec5aa97.txt @@ -0,0 +1,100 @@ +Subject Property + +The real estate property being purchased in the transaction described in the Closing +Disclosure, and serving as collateral for the loan. + +TILA + +UAD + +UCD + +UCD Value + +I-Guide + +UCDP + +ULAD + +Truth in Lending Act (Regulation Z) + +Uniform Appraisal Dataset + +Uniform Closing Dataset + +The data included in the UCD XML document that is required to accurately and +completely represent the provided data. + +Appendix E: UCD Implementation Guide + +Uniform Collateral Data Portal + +Uniform Loan Application Dataset + +Appendix E: UCD Implementation Guide + +Page 252 of 254 + +Version 1.4 + +Uniform Closing Dataset + +VI. Glossary + +Term + +ULDD + +UMDP + +USDA + +XLink + +XPath + +Definition + +Uniform Loan Delivery Dataset + +Uniform Mortgage Data Program + +United States Department of Agriculture + +XML Linking Language – W3C. An XML markup language that provides methods for +creating internal and external links within ML documents, and associating metadata with +those links. + +XML Path Language – W3C. A syntax for defining parts of an XML document. XPath uses +path expressions to navigate XML documents. + +Appendix E: UCD Implementation Guide + +Page 253 of 254 + +Version 1.4 + +Uniform Closing Dataset + +VIII. Uniform Closing Dataset (UCD) Specification Resources + +VIII. UNIFORM CLOSING DATASET (UCD) SPECIFICAT ION RESOURCES + +The following documents are available on the UMDP pages at each GSE’s Web sites: + +• + +• + +Fannie Mae: https://www.fanniemae.com/singlefamily/uniform-closing-dataset + +Freddie Mac: http://www.freddiemac.com/singlefamily/sell/ucd.html + +Artifact + +Title + +Appendix A + +Closing Disclosure Mapping to the MISMO v3.3.0.0 Reference Model (.pdf version) diff --git a/chunks/txt/5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc.txt b/chunks/txt/5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc.txt new file mode 100644 index 0000000000000000000000000000000000000000..f669033a44e6aa826fe2f5f1ab26363d643d94ae --- /dev/null +++ b/chunks/txt/5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc.txt @@ -0,0 +1,125 @@ +23.2.3 +789 Local Lane +Sometown, ST 12345 + +23.2.4 +987 Suburb Ct. +Someplace, ST 12340 + +23.3.2 22222 + +23.3.3 + +23.4.2 + +23.4.3 + +23.3.4 + +23.4.4 + +23.5.2 Linda Jones + +23.5.3 Samuel Green + +23.5.4 Joseph Cain + +23.1 Name +PARTY/LEGAL_ENTITY/LEGAL_ENTI +TY_DETAIL/FullName + +23.2 Address +AddressLineText, +AddressUnitIdentifier +CityName, StateCode PostalCode + +23.3 NMLS ID +LicenseIdentifier + +23.4 License ID +LicenseIdentifier + +23.5 Contact +PARTY/INDIVIDUAL/NAME/ +FirstName LastName + +UCD v2.0 Implementation Guide + +- 142 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 117. XML File Conditional Mortgage Broker and Real Estate Agent Data as Rendered on the CD. + +Contact Information + +23.0 + +Mortgage Broker 23.0.2 +PartyRoleType = +“MortgageBroker” + +Real Estate Broker (B) 23.0.3 +PartyRoleType = +“RealEstateAgent” +RealEstateAgentType = +“Selling” + +Real Estate Broker (B) 23.0.4 +PartyRoleType = +“RealEstateAgent” +RealEstateAgentType = +“Listing” + +23.6.2 889977 + +23.6.3 + +23.7.2 + +23.7.3 + +23.8.2 ljones@ +betabroker.com + +23.8.3 sam@ +omegare.biz + +23.6.4 + +23.7.4 + +23.8.4 joe@ +alphare.biz + +23.9.2 888-456-7890 + +23.9.3 123-555-1717 + +23.9.4 321-555-7171 + +23.6 Contact NMLS ID +LicenseIdentifier + +23.7 Contact License ID +LicenseIdentifier + +23.8 Email +ContactPointEmailValue + +23.9 Phone +ContactPointTelephoneValue + +a. Mortgage Broker Data – If applicable + +The data point requirements for the Mortgage Broker are identical to those for the Note Pay To. If the Mortgage Broker + +has an NMLS ID, the data point LicenseIdentifier with the NMLS ID must be delivered. + +N O T E : The following optional license data points and attribute have been removed from UCD v2.0: +LicenseAuthorityLevelType, IdentifierOwnerURI, LicenseIssueDate, LicenseIssuingAuthorityName and +LicenseIssuingAuthorityStateCode. diff --git a/chunks/txt/5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c.txt b/chunks/txt/5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c.txt new file mode 100644 index 0000000000000000000000000000000000000000..67de4fc1b3e75c5d0c25149427e2d78f1017c6a0 --- /dev/null +++ b/chunks/txt/5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c.txt @@ -0,0 +1,40 @@ +FHFA applied suppression of the Duty-to-Serve rural indicator in Version 2.0 of the PUF to ensure no +suppressed tract could be reidentified. Specifically, FHFA suppressed the rural indicator for records +where the census tract number was suppressed. + +4g. Rounding + +Some property characteristics in the UAD appraisal records were originally continuous data fields +representing dollar values. For the UAD Appraisal-Level PUF, where appropriate, FHFA rounded the +data field to the midpoint of each $10,000 buckets. Examples included appraised value +(appraised_value) and contract value (contract_price). + +4h. Binning + +Some property characteristics in the UAD appraisal records were originally continuous data fields with +precise values. For the UAD Appraisal-Level PUF, where appropriate, FHFA binned continuous data +fields into categorical data fields with value range groups. For example, FHFA binned the lot size +continuous data field into a categorical data field (lot_size) with five categories representing value ranges. + +4i. Recoding + +Some property characteristics in the UAD appraisal records were originally categorical data fields with +numerous categories. For the UAD Appraisal-Level PUF, where appropriate, FHFA combined some +categories to reduce the overall number of categories. For example, FHFA reduced the property +condition data field (condition) from six to five categories. + +4j. Bottom Coding and Top Coding + +6 https://www.huduser.gov/portal/portal/sites/default/files/pdf/PDR-Privacy-Rule-of-Eleven.pdf + +Federal Housing Finance Agency + +6 + +UAD PUF Version 2.1 Data Documentation + +Some property characteristics in the UAD appraisal records were originally continuous data fields with +especially low or high values. For the UAD Appraisal-Level PUF, where appropriate, FHFA capped +these values at or near the 1st, 95th, or 99th percentile, often in combination with rounding, binning, or +recoding. For example, the contract value data field (contract_price) was top coded at $1.7 million for +high-cost areas and at $720,00 for other areas.7 diff --git a/chunks/txt/5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200.txt b/chunks/txt/5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200.txt new file mode 100644 index 0000000000000000000000000000000000000000..558384921dc218b1fdb9eec91fa6681871c40a3b --- /dev/null +++ b/chunks/txt/5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/faqs/mortgage-loan-and-natural-disaster" +date_accessed: "2026-01-27T18:10:56.418Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0.txt b/chunks/txt/5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..d37c63750cdabda0655ff1790400ea4a1100490c --- /dev/null +++ b/chunks/txt/5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0.txt @@ -0,0 +1,34 @@ +Pool Number Required + +You will need at least one Pool Number to test the Wire Instruction Reference Identifier (Wire Nickname). + +Option 1: + +• +• + +Include a mock pool number in the ULDD Phase 5 XML import file +Leave the pool number blank on the import window + +© 2025 Fannie Mae 5.14.25 Page 1 of 3 + +Option 2: + +• Do not include a mock pool number in the ULDD Phase 5 XML import file +• Add the pool number on the import window + +© 2025 Fannie Mae 5.14.25 Page 2 of 3 + +Importing a Wire Instruction Reference Identifier + +Use any value for Wire Instruction Reference Identifier in the ULDD Phase 5 XML import file: + +Open the Pool in the Loan Delivery User Interface (UI) and verify the Wire Instruction Reference Identifier (Wire Nickname) has +been imported on the Loan Details page: + +TSPs will receive Fatal Edit 2022 in the test environment due to TSPs not being able to set up valid Wire Instructions. Lenders can +test using their valid Wire Instructions and will not get this edit. + +N O T E : Any Pool related edits can be ignored for Mock Pool Numbers. + +© 2025 Fannie Mae 5.14.25 Page 3 of 3 diff --git a/chunks/txt/5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680.txt b/chunks/txt/5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680.txt new file mode 100644 index 0000000000000000000000000000000000000000..165175d2f0060b0606f833b6afe01bffd0ef823c --- /dev/null +++ b/chunks/txt/5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680.txt @@ -0,0 +1,98 @@ +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +If field 6-27 (Supervisor Name) is +populated or field 6-15 is populated +with 'trainee', then one and only one of +fields 6-34, 6-35 (Appraiser License +Identifier) must be populated. + +If field 6-27 (Supervisor Name) is +populated or field 6-15 is populated +with 'trainee', then one and only one of +fields 6-34, 6-35 (Appraiser License +Identifier) must be populated. + +String + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• USPS two-letter state or territory representation + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +T + +T + +T + +UAD Requirement – Refer to Appendix D Appraiser Certification Section + +531 + +6 + +37 + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Expiration Date of Certification +or License + +Appraiser License +Expiration Date + +The expiration date of the appraiser's +license. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/ +@_ExpirationDate + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +This field should be populated if field 6- +27 (Supervisor Name) is populated. + +CR + +CR + +CR + +532 + +6 + +38 + +APPRAISER +CERTIFICATION + +Did not inspect subject property + +Appraisal +Inspection Type + +Specifies the extent of the property +inspection. diff --git a/chunks/txt/5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96.txt b/chunks/txt/5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96.txt new file mode 100644 index 0000000000000000000000000000000000000000..b15e5eeeb643522124dcdac97f2edf53a0bf261f --- /dev/null +++ b/chunks/txt/5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96.txt @@ -0,0 +1,108 @@ +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp +e='Legal'] + +13 + +Enumerated + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp +e='Nonconforming'] + +13 + +Enumerated + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp +e='NoZoning'] + +13 + +Enumerated + +Zoning Compliance +Illegal + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp +e='Illegal'] + +13 + +Enumerated + +Zoning Compliance +Illegal (describe) + +Is the highest and best use of +subject as improved (or as +proposed per plans and +specifications) the present use? +Yes +Is the highest and best use of +subject as improved (or as +proposed per plans and +specifications) the present use? +No +Is the highest and best use of +subject as improved (or as +proposed per plans and +specifications) the present use? If +No, describe + +Utilities +Electricity +Public + +Utilities +Electricity +Other + +1 + +1 + +Boolean + +Boolean + +Highest Best Use +Indicator + +Indicates that the present use is the +highest and best of the site as improved. + +/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator +='Y'] + +Highest Best Use +Indicator + +Indicates that the present use is the +highest and best of the site as improved. + +/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator +='N'] + +Highest Best Use +Description + +Specifies a use, other than the present +use, that would constitute a higher and +best use of the site. diff --git a/chunks/txt/5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee.txt b/chunks/txt/5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..5fd4eca1ba98282b47700dc891185b9a0c559acb --- /dev/null +++ b/chunks/txt/5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee.txt @@ -0,0 +1,31 @@ +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/29501","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6.txt b/chunks/txt/5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6.txt new file mode 100644 index 0000000000000000000000000000000000000000..6a864bad11ea2ed3347e8ab87f0e1a1514ebffaa --- /dev/null +++ b/chunks/txt/5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6.txt @@ -0,0 +1,64 @@ +ULDD Integration Impact Memo + +Uniform Loan Delivery Dataset (ULDD) Phase 5 Adoption Process + +Implementation + +Fannie Mae has updated the Uniform Loan Delivery Dataset (ULDD) Phase 5 specification to include implementation and mandate +dates for alignment of ULDD property data points with Uniform Appraisal Dataset (UAD) redesign specification (3.6) and the +business-critical enhancements. Phase 5 of the ULDD updates has been given a July 28, 2025, mandate. + +Note the date definitions below: + +▪ + +Effective dates (test and production environment) are when an update is available in that environment. + +▪ Mandate dates are when an update is required based on the conditionality for that data point. + +Review the ULDD Phase 5 Specification Release Notesn to learn more about implementation and mandate dates for various data +point changes. + +Partner Responsibilities + +Partners are responsible for reviewing the updated specification document, timeline, and required changes to determine any +required system changes necessary to support the new ULDD Phase 5 updates. + +The following documentation is available for review: + +▪ ULDD Phase 5 Extension Schema + +▪ ULDD FAQs + +▪ ULDD Scenarios and Test Cases + +▪ ULDD Release Notes Summary + +▪ ULDD Phase 5 Implementation Considerations + +▪ + +Loan Delivery FAQs + +Adoption Process + +The following process will be managed to complete adoption of the new ULDD Phase 5 changes: + +1. + +2. + +3. +4. + +5. + +(Required) Partners will review the provided documentation to determine internal system changes to follow the ULDD +Phase 5 changes. +(Required) Once changes are completed on the partner’s technology, internal testing should be completed using the +updated Fannie Mae ULDD Scenarios and Test Cases. +(Recommended) Test cases should be sent to the Fannie Mae ULDD Integration Team for review. +(Recommended) The ULDD Integration Team will review the provided files and will work with partners to clear any +discrepancies or fatal errors. +(Optional) Once all errors have been cleared, the partner will complete a *Solution Review demonstration, presenting the +internal process of generating the ULDD file on their systems. diff --git a/chunks/txt/5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266.txt b/chunks/txt/5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266.txt new file mode 100644 index 0000000000000000000000000000000000000000..4cdea16b3075fb2b47253deb910723d8f2a78172 --- /dev/null +++ b/chunks/txt/5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266.txt @@ -0,0 +1,136 @@ +Units Excluding ADUs + +livingUnitExcludingAd +uCount + +The number of separate living units in the subject +property, excluding any accessory dwelling units. + +Value R&W + +freValueRepAndWarr +antRelief + +Value Rep and Warrant +Relief + +fnmValueRepAndWar +rantRelief + +Freddie Mac collateral representation and warranty +relief eligibility corresponds to an appraisal with a +risk score of 2.5 or lower. + +Fannie Mae indicator whether the submitted +document is eligible for representation and warranty +relief. + +Both + +Both + +Both + +Both + +FRE + +FNM + +X + +X + +X + +X + +X + +X + +PDF / JSON + +X + +X + +PDF / JSON + +X + +X + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +PDF Data Point Name + +JSON SSR +Field Name + +ZIP Code + +postalCode + +-- + +-- + +-- + +-- + +-- + +-- + +additionalAttributeKe +yValues + +attachmentType + +dataPointName + +relatedFieldName + +reportPath + +uniqueId + +*Fannie Mae (FNM); Freddie Mac (FRE) + +Definition / Description + +Appears on… +[FNM, FRE, Both] * + +URAR + +The postal code (ZIP Code in the US) for the address. +ZIP Code may be either 5 or 9 digits. + +This is TBD (for future expansion). + +A value from a MISMO-prescribed list that specifies +the type of physical attachment, if any, between the +dwelling and adjacent dwellings. + +The XML element name of the associated primary +data element. + +The name of the appraisal form field that is related +to a given rule. May contain 0, 1, or more related +element names and their values to assist the reader +in fully understanding the finding. diff --git a/chunks/txt/5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea.txt b/chunks/txt/5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..faf1cc9bf97d35e111356f01a9699feb771f749e --- /dev/null +++ b/chunks/txt/5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea.txt @@ -0,0 +1,48 @@ +If field 1-112 (Site Utility Non Public +Indicator) is indicated, this field is required. +If no utilities are present 'None' must be +populated. + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If a street exists, at least one of fields 1-115, +1-116 (values of Property Off Site +Improvement Ownership Type) should be +indicated. + +If a street exists, at least one of fields 1-115, +1-116 (values of Property Off Site +Improvement Ownership Type) should be +indicated. + +UAD Instruction - Refer to Appendix D Site Section +This field should indicate the alley type. The value 'None' should be indicated if none +is present. + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If an Alley exists, at least one of fields 1- +118, 1-119 (values of Property Off Site +Improvement Ownership Typ)e should be +indicated. + +If an Alley exists, at least one of fields 1- +118, 1-119 (values of Property Off Site +Improvement Ownership Typ)e should be +indicated. + +One and only one of fields 1-120, 1-121 +(values of GSE Special Flood Hazard Area +Indicator) should be indicated. diff --git a/chunks/txt/5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b.txt b/chunks/txt/5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b.txt new file mode 100644 index 0000000000000000000000000000000000000000..7ccce594a13d588780f44bb0bcebd86387754e68 --- /dev/null +++ b/chunks/txt/5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b.txt @@ -0,0 +1,32 @@ +This document is designed to work in tandem with the UAD Appraisal-Level PUF Data Dictionary. The +Data Dictionary contains the full list of data fields, their allowable values, additional information about +disclosure avoidance, and helpful notes for users. + +2. About the UAD + +The UAD is a standardized industry dataset for appraisal information that the Enterprises receive +electronically through the Uniform Collateral Data Portal® (UCDP®). The Enterprises, at the direction of +FHFA, developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance +Organization (MISMO®) Reference Model 2.6. MISMO models provide consistent data standards for +mortgage loans acquired by the Enterprises.1 + +A UAD appraisal record includes information collected by appraisers using the Uniform Residential +Appraisal Report (URAR). The current version of the URAR for one-unit single-family homes is Fannie + +1 This information is sourced from the Enterprises websites describing the UAD: +https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset and +https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad. + +Federal Housing Finance Agency + +1 + +UAD PUF Version 2.1 Data Documentation + +Mae Form 1004 and Freddie Mac Form 70.2,3 Other federal agencies, including the FHA, also use the +URAR. + +Not all mortgage loans acquired by the Enterprises will have a UAD appraisal record. For instance, both +Enterprises waive traditional appraisals in certain instances where they deem automated appraisal +methods as adequate. Thus, UAD appraisal records include only mortgage loans requiring traditional +appraisals. diff --git a/chunks/txt/5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa.txt b/chunks/txt/5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..c82106305639c8713c4a102a971a5b9589e45632 --- /dev/null +++ b/chunks/txt/5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa.txt @@ -0,0 +1,28 @@ +1 10000001 06 41740 073 015706 51.96 34307 111734 0.3070 119500 27735000 7 1 1 1 53.80 1 60 5 5.830 27735000 51565000 57 1 1 9 9 60 1 0 0 0 0 1 0 0 +1 10000002 36 10580 093 033500 26.48 97679 109385 0.8930 117800 645000 7 1 1 1 70.40 1 120 1 5.700 6905000 925000 117 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000003 28 99999 087 000600 81.47 20208 75009 0.2694 79600 2415000 1 5 1 1 80.00 1 60 3 6.140 2415000 3015000 57 1 9 9 9 100 1 1 0 0 1 1 0 0 +1 10000004 18 23060 003 011608 26.14 122100 83564 1.4612 88000 1995000 9 1 1 2 66.70 1 65 3 7.780 1995000 20355000 62 1 9 9 9 0 1 0 0 0 0 0 0 0 +1 10000005 13 99999 137 000604 61.39 46755 74176 0.6303 78800 4195000 1 1 1 1 78.00 1 84 2 6.190 4195000 5375000 81 1 1 9 9 0 1 1 0 0 0 0 0 0 +1 10000006 51 40060 087 200144 57.20 126563 104391 1.2124 110000 10865000 9 1 1 2 71.50 1 87 5 8.010 10865000 89905000 84 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000007 48 19100 113 008200 45.91 99875 99957 0.9992 107300 25705000 2 1 1 1 64.00 1 84 5 5.480 210705000 41705000 81 1 1 9 9 50 1 0 0 0 0 0 0 0 +1 10000008 13 12060 121 010604 97.87 44107 98569 0.4475 106100 18005000 7 1 1 1 61.00 2 60 5 6.190 18005000 29505000 57 1 1 9 9 0 1 0 0 0 0 1 0 0 +1 10000009 13 12060 121 005504 87.37 51420 98569 0.5217 106100 54725000 7 1 1 1 60.50 1 60 5 5.260 54725000 90405000 57 1 1 9 9 15 1 0 0 0 0 1 0 0 +1 10000010 18 34620 035 002000 19.47 47386 68452 0.6923 73400 7985000 1 1 1 1 74.80 2 84 4 5.970 10495000 10665000 81 1 1 9 9 0 1 0 0 0 0 1 0 0 +1 10000011 17 16980 031 063301 27.46 133036 106055 1.2544 109800 11575000 7 1 1 1 55.40 1 60 4 5.590 11575000 20905000 57 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000012 26 19820 125 193100 22.86 127232 93779 1.3567 97300 20995000 1 3 1 1 85.00 1 204 4 5.050 20995000 24705000 180 1 9 9 9 100 1 0 0 0 0 0 0 0 +1 10000013 05 30780 119 004220 76.46 75344 81609 0.9232 86400 20975000 7 1 1 1 74.10 1 120 5 5.500 20975000 28305000 117 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000014 34 35620 017 012300 61.78 113397 113844 0.9961 119300 1005000 7 1 1 1 35.70 1 84 1 5.980 1005000 2805000 81 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000015 38 99999 053 962301 17.74 122571 102045 1.2012 108300 8215000 7 1 1 1 55.00 2 84 3 5.490 8215000 14945000 81 1 1 9 9 0 1 1 0 0 0 0 0 0 +1 10000016 48 19100 439 113516 40.61 105605 99957 1.0565 107300 9875000 7 1 1 1 70.00 1 60 3 5.430 9875000 14105000 57 1 1 9 9 20 1 0 0 0 0 0 1 0 +1 10000017 36 10580 001 001400 34.78 150815 109385 1.3788 117800 2805000 7 1 1 1 48.30 2 120 2 5.920 2805000 5805000 117 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000018 51 47260 710 005800 88.90 69464 95214 0.7296 100000 25505000 1 1 1 1 64.90 2 60 5 5.880 25505000 39275000 57 1 1 9 9 0 1 0 0 0 0 1 0 0 +1 10000019 48 19100 251 130211 23.27 120579 99957 1.2063 107300 20375000 1 1 1 1 56.90 1 60 5 5.000 20375000 35845000 57 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000020 13 12020 059 140300 75.11 48885 85162 0.5740 90900 935000 1 1 1 2 70.00 1 77 2 8.690 935000 5825000 74 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000021 53 14740 035 092101 23.43 111294 109621 1.0153 119700 43565000 7 1 1 1 59.70 1 60 5 5.050 43565000 72945000 57 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000022 31 99999 141 965302 22.67 107625 90843 1.1847 96500 3545000 7 1 1 1 65.00 1 120 3 6.020 8405000 5455000 117 1 1 9 9 0 1 1 0 0 0 0 0 0 +1 10000023 06 41740 073 014701 46.80 116550 111734 1.0431 119500 10395000 7 1 1 1 63.40 1 60 2 5.560 10395000 16405000 57 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000024 48 19100 085 031720 83.59 40913 99957 0.4093 107300 32105000 7 3 1 1 57.10 1 60 5 4.820 32105000 56255000 57 1 1 9 9 0 1 0 0 0 0 1 0 0 +1 10000025 48 19100 439 122702 41.56 72574 99957 0.7261 107300 12085000 1 1 1 1 75.00 1 84 4 5.700 12085000 16115000 81 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000026 47 34980 165 021204 24.98 119484 96905 1.2330 104700 15045000 1 1 1 1 63.60 1 84 5 4.740 15045000 23655000 81 1 1 9 9 0 1 0 0 0 0 0 0 0 +1 10000027 48 19100 113 002001 71.35 93451 99957 0.9349 107300 24955000 2 1 1 1 41.40 1 60 5 5.030 24955000 60215000 57 1 1 9 9 0 1 0 0 0 0 1 0 0 +1 10000028 37 49180 067 002002 71.67 34333 76701 0.4476 8 diff --git a/chunks/txt/5c10d6b3fd717b495217115b10219feed1d17bef551085dd38d82e9c431966c0.txt b/chunks/txt/5c10d6b3fd717b495217115b10219feed1d17bef551085dd38d82e9c431966c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e2d320e1c040764564cae792d183253db35f38f --- /dev/null +++ b/chunks/txt/5c10d6b3fd717b495217115b10219feed1d17bef551085dd38d82e9c431966c0.txt @@ -0,0 +1,33 @@ +[Fannie Mae and Freddie Mac Joint Servicing Market Survey Executive Summary (April 2018)](/sites/default/files/2023-05/ExecSummary4252018.pdf) + +[Fannie Mae and Freddie Mac Joint Servicing Market Survey Results (April 2018)](/sites/default/files/2023-03/marketanalysissummaryoffindings_4252018.pdf) + +[Requirements for Enterprise Seller/Servicers](/node/13116) [page] + +[Alternative Mortgage Servicing Compensation Initiative](/node/12831) [page] + +[Loss Mitigation Programs](/node/12271) [page] + +## Archived: + +[Secretaries of USDA, HUD, VA, Treasury, and FHFA Acting Director Release Joint Statement on Agency Actions to Prevent Evictions](/node/10256) (7/30/2021) + +[FHFA Extends COVID-19 REO Eviction Moratorium Through September 30, 2021](/node/10261) (7/30/2021) + +[FHFA Expands Use of Interest Rate Reduction to Help Borrowers with a Covid-19 Hardship Reduce their Monthly Mortgage Payment](/node/10216) (6/30/2021) + +[FHFA Protects Borrowers After COVID-19 Foreclosure and REO Eviction Moratoriums End](/node/10206) (6/29/2021) + +[FHFA Extends COVID-19 Foreclosure and REO Eviction Moratoriums](/node/10186) (6/24 /2021) + +​[FHFA Announces Extension of COVID-Related Loan Flexibilities](/node/10076) (4/21/2021) + +[FHFA Further Extends COVID-Related Loan Flexibilities](/node/10056) (3/11/2021) + +[FHFA Extends COVID-19 Multifamily Forbearance through June 30, 2021](/node/10051) (3/4/2021) + +[FHFA Extends COVID-19 Forbearance Period and Foreclosure and REO Eviction Moratoriums](/node/10041) (2/25/2021) + +[FHFA Further Extends COVID-Related Loan Flexibilities](/node/10026) (2/10/2021) + +[FHFA Extends Foreclosure and REO Eviction Moratoriums and COVID Forbearance Period](/node/10021) (2/9/2021) diff --git a/chunks/txt/5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7.txt b/chunks/txt/5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..23c37651d7c07fe6849a806db54fd53f75e06907 --- /dev/null +++ b/chunks/txt/5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7.txt @@ -0,0 +1,58 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/OVERALL_CONDITI +ON_RATING_EXTENSION/OVERALL_CONDITION_RATING_EXTENSION +_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/OVERALL_CONDITION_RATING_EXTENSION_SECTION_DA +TA/OVERALL_CONDITION_RATING/@GSEUpdateLastFifteenYearIndicator + +292 + +2 + +e-11 + +UNIT +DESCRIPTION + +Describe the condition of the +property (including needed +repairs, deterioration, +renovations, remodeling, etc.) + +GSE Improvement +Area Type + +The area of the subject property structure +to be noted regarding updating or +remodeling. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CONDITION_DETAIL +_EXTENSION/CONDITION_DETAIL_EXTENSION_SECTION[@ExtensionSe +ctionOrganizationName='UNIFORM APPRAISAL +DATASET']/CONDITION_DETAIL_EXTENSION_SECTION_DATA/CONDIT +ION_DETAIL[@_SequenceIdentifier='1..2']/@GSEImprovementAreaType + +1 + +9 + +Note: This data appears in more than one place for the subject (field 3-32) on the +appraisal form and must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate whether any material work was completed on the +kitchen or bathrooms of the residence within the last 15 years. If no such updates have +occurred, this field must take a value of 'N' and the text “No updates in the prior 15 +years” should print; otherwise this field must take a value of 'Y' and no corresponding +text should print. + +Boolean + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Improvements Section +This field must occur two times, and must take the following allowable values in the +order presented: +Kitchen +Bathrooms diff --git a/chunks/txt/5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197.txt b/chunks/txt/5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197.txt new file mode 100644 index 0000000000000000000000000000000000000000..c20947e68f779f07defed0924925818f1b81048c --- /dev/null +++ b/chunks/txt/5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197.txt @@ -0,0 +1,221 @@ +Driveway | 2 | Asphalt + +Driveway | 4 | Asphalt + +$0 + +$10,000 + +$10,000 + +— + +— + +$340,000 + +$325,000 + +$325,000 + +$(39,120) + +$191 + +$285,880 + +Less + +$229,999 + +$219,950 + +$219,950 + +$54,040 + +$163 + +$273,990 + +Less + +$265,000 + +$247,000 + +$247,000 + +$20,425 + +$156 + +$267,425 + +Most + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$275,000 + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 13 of 20 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +123 Anywhere St +Somecity, TN 12435 + +3026 Old West St +Somecity, TN 12435 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Site + +Site Size + +Neighborhood Name + +Zoning Compliance + +Street Type | Surface + +This is where the +Comparable 4 photo +would display. + +MLS 193032 | Assessor Record + +2 Miles SW + +$285,000 + +Pending + +$275,000 + +— + +03/08/2022 + +— + +92 + +— + +— + +— + +— + +— + +— + +— + +$0 + +$0 + +$0 + +Detached + +Detached + +14,000 Sq. Ft. + +13,068 Sq. Ft. + +Magic Hill + +Legal + +Local Road | Asphalt + +Southwest +Lake Gardens + +Legal + +Local Road +| Asphalt + +Topography + +Flat + +Sloping + +$0 + +Site Influence (Location) + +Park | Residential + +Lake | Residential + +$(15,000) + +View | Range + +Dwelling(s) + +Year Built + +Residential | Full + +Residential | Full + +2020 + +2020 + +Construction Method + +Manufactured | Site Built + +Manufactured Home Width + +Heating + +Cooling + +Unit(s) diff --git a/chunks/txt/5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee.txt b/chunks/txt/5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..f952b9291c783f88b9042752a5e2f6b544d05c7e --- /dev/null +++ b/chunks/txt/5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee.txt @@ -0,0 +1,98 @@ +Appraisal Update Commentary + +The Appraisal Update Commentary section displays when comments are provided. + +Appraisal Update Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +03.003 Appraisal + +If applicable + +Free-form + +Update +Commentary + +Definition / Additional Guidance + +Additional commentary specific to the Restricted Appraisal Update Report. +Commentary may include: +• +• + +Details captured above that require additional support. +Information pertinent to the appraisal update that is not captured in the +details above. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 12 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +03 Appraisal Update + +Appraisal Update Exhibits + +With the exception of the following, all photos and images display in Appraisal Update Exhibits. +• A photo displays at the top of the Subject Property section. +• + +Legal Description image, if applicable, displays in the Legal Description subsection of the Subject Property +section (01.004). + +If there are no additional photos or images, this section does not display. Reference published guidelines by the +GSEs, government agencies, or other identified secondary market participants for specific guidance. + +Appraisal Update Exhibits + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +See +iGuide + +Appraisal +Update Exhibits + +If required by client or +scope of work + +Photo(s) + +See +iGuide + +Appraisal +Update Exhibits + +If required by client or +scope of work + +Photo(s) + +Definition / Additional Guidance + +Dwelling Front Photo +Photo(s) of the front of the dwelling may be provided, which display in +Appraisal Update Exhibits with the caption “Dwelling Front.” A caption may be +provided to further identify each photo. diff --git a/chunks/txt/5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78.txt b/chunks/txt/5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ca2c0e1cd53194b943b1d4409bf84dba5c96b38 --- /dev/null +++ b/chunks/txt/5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78.txt @@ -0,0 +1,82 @@ +4.053 + +Property +Restriction +(Impact) + +Property +Restriction +(Comment) + +Adverse, +Beneficial, or +Neutral + +Free-form + +Required for each +property restriction + +Required for each +property restriction if +Impact is Adverse or +Beneficial, or as +needed + +Definition / Additional Guidance + +Property Restriction: Limitation(s) on the use, development, or transfer of a +property. +• +Age +• +Historic Preservation +• +Income +• +Land Use +• +Rental +• +Sale Price +• +Other (Describe) + +When Adverse or Beneficial, describe the impact to value and / or +marketability. Additional commentary may be provided to include details and +other information. + +Allowable Answer + +Age + +Property Restriction (Choose all that apply) + +Definition / Additional Guidance + +A restriction that limits the conveyance and ownership of the property based on an individual meeting a specified age +threshold (e.g., 55+ communities). + +Historic Preservation + +A restriction that prevents owner from altering the property in its entirety or specific portion of the property to preserve +its historical relevance or character. + +Income + +Land Use + +Rental + +Sale Price + +A restriction that limits the conveyance and ownership of the property based on an individual meeting income +requirements. +Note: For affordable housing programs, select both Income and Sale Price, if applicable. + +A restriction that controls use of the land. + +A restriction on the amount of rent that can be charged or increased in a certain period (e.g., rental cap, rent control). + +A restriction that places a sale price threshold on the property (e.g., minimum sale price, maximum sale price). +Note: For affordable housing programs, select both Income and Sale Price, if applicable. diff --git a/chunks/txt/5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851.txt b/chunks/txt/5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851.txt new file mode 100644 index 0000000000000000000000000000000000000000..770b704c5ff78571f0a69e80050f8786e635ff88 --- /dev/null +++ b/chunks/txt/5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851.txt @@ -0,0 +1,69 @@ +A free-form text field used to describe the +zoning classification of the property site. + +/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationDescript +ion + +4000 + +String + +This field should contain a description of the zoning classification of the subject +property. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point + +PROJECT SITE + +Zoning Compliance +Legal + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='Le +gal'] + +PROJECT SITE + +Zoning Compliance +Legal Nonconforming + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='No +nconforming'] + +13 + +13 + +Enumerated + +Enumerated + +This data is referenced more than once on the form for the subject property and must be +represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +UAD Requirement - Refer to Appendix D Site Section +If a view factor not on the list materially affects the value of the subject property, the +appraiser must select “other” and enter a description of the view associated with the +property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. + +This data is referenced more than once on the form for the subject property and must be +represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68.txt b/chunks/txt/5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a09827d42754f948a12aed25544a37efb28502d --- /dev/null +++ b/chunks/txt/5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68.txt @@ -0,0 +1,64 @@ +Property Amenity Category: Whole Home + +Appendix F-1: URAR Reference Guide + +Page 167 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +14 Subject Property Amenities + +Allowable Answer + +Definition / Additional Guidance + +Subject Property Amenities and Categories (Choose all that apply) + +Elevator + +EV Station + +A mechanized platform used for raising and lowering people or things from one level to another. + +A system designed to provide on-demand charging for compatible electric vehicles. + +Fire Suppression System + +A system designed to extinguish fires. + +Indoor Fireplace + +A self-contained unit or framed opening located inside of a structure that is used for containing fire. +Note: Amenity Count must be provided. + +Multiple Zone HVAC + +A system that allows independent control of the temperature for various areas of the dwelling. + +Smart Home System + +A system that allows remote control of household systems. + +Whole House Ventilation + +A system designed to provide continuous exchange of air within the dwelling (e.g., air exchanger, whole house fan). + +Wood Stove + +Airstrip + +A free-standing heating mechanism fueled by wood or wood pellets. +Note: Amenity Count must be provided. + +Property Amenity Category: Miscellaneous + +An individually owned runway with very basic or no aircraft support facilities that is designed for the take-off and landing +of smaller personal aircraft. +Note: Do not include shared airstrips that serve a project or community. These are reported in Common Amenities / +Services (18.012). + +Club Membership + +A club membership that conveys with the property (e.g., golf club membership, health club membership). diff --git a/chunks/txt/5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916.txt b/chunks/txt/5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0761213198b6067baf6a67670841e15915e4fec --- /dev/null +++ b/chunks/txt/5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916.txt @@ -0,0 +1,105 @@ +If applicable, Structure Identifier (8.000) redisplays from the Dwelling Exterior +section. + +Appendix F-1: URAR Reference Guide + +Page 312 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +25 Cost Approach + +Replacement or Reproduction Cost for each Dwelling + +Cost Approach – Replacement or Reproduction Cost (Dwelling) + +Report +Field ID + +Report Label + +When to Include + +25.006 N/A + +Required for each +dwelling + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Area Type: The area for which costs to reproduce or replace are being +estimated. +• +• +• +• +• +• +• +• +• +• +• + +Above Grade Finished Area +Above Grade Finished Area (Nonstandard) +Above Grade Unfinished Area +Attached Garage +Below Grade Finished Area +Below Grade Finished Area (Nonstandard) +Below Grade Unfinished Area +Built-in Garage +Carport +Foundation +Other (Describe) + +Note: Each selected answer displays in a separate row. + +25.007 N/A + +25.008 @ + +25.008 N/A + +Required for each +indicated Area Type + +Number of square +feet + +Area Size + +Required for each +indicated Area Type + +Required for each +indicated Area Type + +Dollar amount + +Dollar amount + +Replacement or Reproduction Cost per Unit of Measure (e.g., cost per square +foot). + +Area Type Cost: The total cost for the line item. +Calculated: Area Size x Replacement or Reproduction Cost per Unit of Measure + +Depreciation For Each Dwelling + +One of the following may be provided for each dwelling: +• Separate physical, functional and external depreciation (percent and dollar amount), or + +• Total depreciation (dollar amount). This is an aggregate number representing physical, functional, and diff --git a/chunks/txt/5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46.txt b/chunks/txt/5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46.txt new file mode 100644 index 0000000000000000000000000000000000000000..737e1cb222b6a2e5b6e16bf5e492d8b5ca265ff1 --- /dev/null +++ b/chunks/txt/5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46.txt @@ -0,0 +1,111 @@ +Windows + +Low E thermal + +Upgraded meeting Energy +Star® requirements. + +New or Like New + +Check #A + +Mechanical System Details + +Heating + +Cooling + +System +Heat Pump + +Centralized + +Detail +Electric + +Core Heating System Below Grade + +Other Mechanical Systems + +Water Heater + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +Subject meets requirements for CHOICEHome® and MH Advantage and features a poured concrete perimeter foundation and skirting, Low E +thermal windows, a 30-year roof, aluminum siding and synthetic stone accents. + +Dwelling Exterior Exhibits + +Dwelling Rear + +This is where the Dwelling Rear photo would display. + +Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 6 of 20 + +Manufactured Home + +Manufacturer Name +Year Installed +Moved Since Original Installation No + +XYZ Homes +2020 + +Attached to Permanent +Foundation +Towing Hitch, Wheels, Axles +Removed +Manufactured Home Width +Skirting + +Yes + +Yes +Multi +Poured Concrete + +Yes No +Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support?   + +HUD Data Plate + +HUD Data Plate Attached +Date of Manufacture +Serial Number + +HUD Certification Label + +Yes +09/01/2020 +gaelw43232790-er293/ +gbelw43232790-er293 + +HUD Wind Zone +HUD Thermal Zone +HUD Roof Load Zone + +Zone I +Zone 1 +South + +Label Present for All Sections + +Yes + +HUD Certification Number + +ere32498213 +ere32498214 + +Manufactured Home Certification Program diff --git a/chunks/txt/5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4.txt b/chunks/txt/5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4.txt new file mode 100644 index 0000000000000000000000000000000000000000..b25a41ac09ba11d5b3b5c01ac12e8a6b309d035f --- /dev/null +++ b/chunks/txt/5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4.txt @@ -0,0 +1,39 @@ +[FHFA Announces Refinance and Home Purchase Eligibility for Borrowers in Forbearance](/node/9611) (5/19/2020) + +[FHFA Extends Foreclosure and Eviction Moratorium; Moratorium applies to Enterprise-backed mortgages](/node/9691) (5/14/2020) + +[Enterprises to Offer Payment Deferral as a New Repayment Option for Homeowners in COVID-19 Forbearance Plans](/node/9601)(5/13/2020) + +[CFPB, FHFA, & HUD Launch Joint Mortgage and Housing Assistance Website for Americans Impacted by COVID-19](/news/news-release/cfpb-fhfa-hud-launch-joint-mortgage-and-housing-assistance-website-for-americans-impacted-by-covid) (5/12/2020) + +[FHFA Extends Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers](/node/9591) (5/5/2020) + +["No Lump Sum Required at the End of Forbearance" says FHFA's Calabria](/node/9576) (4/27/2020) + +[FHFA Announces that Enterprises will Purchase Qualified Loans in Forbearance to Keep Lending Flowing](/node/9561) (4/22/2020) + +[FHFA Suspends Foreclosures and Evictions for Enterprises During National Emergency](/node/9501) (3/18/2020) + +[Statement from FHFA Director Mark Calabria on Coronavirus](/node/9491) (3/10/2020)​ + +*Page Last Updated: November 1, 2023​​​​​* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506.txt b/chunks/txt/5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506.txt new file mode 100644 index 0000000000000000000000000000000000000000..b063988d9209303de7817786feeb6e7edc1ce5ea --- /dev/null +++ b/chunks/txt/5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506.txt @@ -0,0 +1,5 @@ +The [National Survey of Mortgage Originations (NSMO)](/programs/nmdb#NSMO) is a component of the [National Mortgage Database (NMDB®)](/programs/nmdb) program. It is a quarterly mail survey jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). NSMO provides unique and rich information for a nationally representative sample of newly originated closed-end first-lien residential mortgages in the United States, particularly about borrowers’ experiences getting a mortgage, their perceptions of the mortgage market, and their future expectations. This voluntary survey is administered by Westat, a survey and data collection corporation, to the borrowers associated with the sample mortgages. The respondents can either return the English questionnaire by mail or complete the survey online in English or Spanish. + +NSMO draws its sample from newly originated mortgages that are part of the NMDB, which is a 1-in-20 sample of closed-end first-lien residential mortgages newly reported to one of the three national credit bureaus. Beginning with mortgages originated in 2013, a simple random sample of about 6,000 mortgages per quarter is drawn for NSMO from loans newly added to the NMDB. The NSMO survey has been conducted quarterly since the first quarter of 2014. The current survey package sent to the respondents can be viewed [here](/programs/nmdb#NSMO). + +The NSMO public use file was updated on October 24, 2025 to append additional survey records and additional quarters of mortgage performance information. It replaced the public use file released on July 1, 2024. The updated file contains 58,381 sample mortgages originated from 2013 through 2023 based on the first 42 quarterly waves of the NSMO survey. For these mortgages, the updated file contains mortgage performance information through the fourth quarter of 2024. diff --git a/chunks/txt/5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951.txt b/chunks/txt/5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951.txt new file mode 100644 index 0000000000000000000000000000000000000000..32eff912546e392b3652e429880f74cde5685c2d --- /dev/null +++ b/chunks/txt/5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951.txt @@ -0,0 +1,116 @@ +D. Submission Summary Report List of Data Elements + +PDF Data Point Name + +JSON SSR +Field Name + +Accessory Dwelling Units +(FRE PDF) + +accessoryDwellingUni +tTotalCount + +Definition / Description + +Appears on… +[FNM, FRE, Both] * + +The total number of accessory dwelling units in the +subject property (e.g., in-law quarters, apartment +over a garage, etc.) + +Note: This data point appears as “Number of ADUs” in +the Fannie Mae PDF. + +Appraisal Sequence +Number + +appraisalSequenceNu +mber + +A sequence number used to indicate the upload +order of the documents into UCDP. + +Appraisal Update +Effective Date + +appraisalUpdateRepo +rtEffectiveDate + +Appraiser Name + +appraiserName + +This is the date of when the appraiser’s analyses, +opinions, and conclusions regarding the property’s +values apply (are effective) on the Restricted +Appraisal Update Report. + +The name of the appraiser who performed the +appraisal of the property. + +Assignment Reason + +valuationAssignment +Type + +Specifies the business reason that motivated the +order for a valuation. + +Borrower Name(s) + +borrowers + +City + +cityName + +Construction Method(s) + +constructionMethodT +ype + +Identifies the name of either a person(s) or legal +entity applying for the loan. May return up to six +names (individual(s) and/or legal entity(ies)). + +The name of the city or Military APO FPO +designation. + +A value that represents the manner in which the +structure was constructed (e.g., Container; +Manufactured; Modular; On Frame Modular; Other; +SiteBuilt; Three-Dimensional Printing Technology). + +Report Type + +URAR + +X + +Update +Report + +Completion +Report + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X diff --git a/chunks/txt/5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477.txt b/chunks/txt/5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e7b32ea91f0bb43671364eda05528af24abaaf4 --- /dev/null +++ b/chunks/txt/5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477.txt @@ -0,0 +1,27 @@ +[]() + +- [Home](/) + - [Learning Center](/learning-center) + - Appendix C | XML Samples + +# Appendix C | XML Samples + +Contains Uniform Loan Delivery Dataset (ULDD) XML samples necessary when submitting single-family loan delivery data in the MISMO XML file format. + +## Scenarios + +[**Scenario 1** | Fannie Mae Conventional Fixed-Rate Purchase – Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-1)**(Updated)** + +[**Scenario 2** | Fannie Mae Conventional ARM Refinance – Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-2)**(Updated)** + +[**Scenario 3** | Fannie Mae Conventional Fixed-Rate Condo Purchase - Whole Loan Delivery](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-3)**(Updated)** + +[**Scenario 4**| Fannie Mae Purchase 30 Year Conventional Mortgage Transaction Updated for UAD 3.6 Narrative - Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-4) **(New)** + +[Download all ULDD Fannie Mae Test Cases (XML) (Appendix C) >](/media/document/zip/xml-samples-zip-appendix-c) + +[Uniform Loan Delivery Dataset (ULDD) >](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset) + +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); } }); + +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) diff --git a/chunks/txt/5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7.txt b/chunks/txt/5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..c01b0f2f39dd764a9f2b211b0de2d6beb234b90b --- /dev/null +++ b/chunks/txt/5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7.txt @@ -0,0 +1,103 @@ +AMA_PUDB_definitions_2016 + +Data Definitions +Federal Housing Finance Agency +Federal Home Loan Bank Purchased Mortgage Files +For 2016 Data Release + +Effective 10/18/16 + +Column + +1 Year +2 Assigned ID +3 Bank +4 FIPSStateCode +5 FIPSCountyCode +6 MSA + +7 FeatureID +8 Tract +9 MinPer +10 TraMedY +11 LocMedY +12 TractRat +13 Income +14 CurAreY +15 IncRat +16 UPB +17 LTV +18 MortDate +19 AcquDate +20 Purpose + +21 Coop + +22 Product + +23 FedGuar + +24 Term + +25 AmorTerm +26 SellType + +27 NumBor +28 First + +Definition +Year Loan was reported +Unique Record ID (Not Actual Loan Number) +Name of Federal Home Loan Bank District +FIPS State Code +FIPS County Code +Core Based Statistical Area +99999=State/County/Tract combination is not located in a CBSA + +Geographic Names Information System (GNIS) Feature ID +Census Tract +Census Tract Minority Percentage +Census Tract Median Family Income in Whole Dollars +Local Area Median Income in Whole Dollars +Tract Income Ratio +Total Borrower(s) Annual Income in Whole Dollars +Area Median Family Income in Whole Dollars +Borrower Income Ratio +Acquisition Unpaid Principal Balance in Whole Dollars +Loan to Value Ratio at Origination +Year of Mortgage Note +Year of Acquisition Note +Loan Purpose +1=purchase; +2=refinancing; +3=second mortgage; +4=new construction; +5=rehabilitation + +Cooperative Unit Mortgage +1=yes; +2=no + +Product Type +01=Fixed Rate; +02=ARM; +03=Balloon; +04=GPM/GEM; +05=Reverse Annuity Mortgage; +06=other + +Federal Guarantee +0=no federal guarantee; +1=FHA; +2=VA; +3=FMHA-Guaranteed Rural Housing Loan; +4=HECMs; +5=Title1-FHA + +Term of Mortgage at Origination in months + +Amortization Term in months +Type of Acquiring Lender Institution +1=Insured depository institution; +2=Housing Associate; +3=Insurance Company diff --git a/chunks/txt/5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45.txt b/chunks/txt/5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c75f544150cfc955e471f527955bf430fecf847 --- /dev/null +++ b/chunks/txt/5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45.txt @@ -0,0 +1,39 @@ +UCD Collection Solution Test Environment +Overview + +The Fannie Mae Uniform Closing Dataset (UCD) Collection Solution Test Environment is available to support the +rollout of enhancements to the UCD Collection Solution. UCD CLVE mirrors the UCD production application. The UCD CLVE allows +lenders and technology service providers to test UCD XML files. + +Getting Started + +• UCD CLVE Direct URL: https://ucd-clve.fanniemae.com/UCDepot/ +• +• Use your UCD production user ID/password to access UCD CLVE. + +For UCD CLVE internet browser requirements, please refer to the Technology Requirements. + +o + +If you do not have access currently, and require access to UCD CLVE, have your Corporate Administrator request +access for you through Technology Manager. + +• + +NOTE: In Technology Manager the Corporate Administrator will find the “UCD CLVE" link from the list of available +applications. +Select this to grant access to users within your company. All users must be assigned the UCD_SUBMIT role. Users who +initiate, approve, or view established relationships between a Correspondent and their Aggregator should also be +provisioned with the UCD_ADMIN role. + +o Once access has been granted by your Corporate Administrator, log in with your UCD production user + +o + +ID/password. +If you do not know who your Corporate Administrator is, contact your Account Team representative or the +Customer Contact Center. + +NOTE: If you need any assistance with getting access, contact Technology Support Center 800-2FANNIE (232-6643) option 5. + +NOTE: Technology Service Providers that need assistance with testing should contact the Integration Support mailbox. diff --git a/chunks/txt/5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527.txt b/chunks/txt/5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ae3fc7776d723a3654216831bfe09c3a19afc21 --- /dev/null +++ b/chunks/txt/5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527.txt @@ -0,0 +1,116 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='Quality']/@_Amount + +10 + +Money + +308 + +2 + +e-17 + +SALES +COMPARISON +APPROACH + +Actual Age + +GSE Age Estimation +Indicator + +Indicates that the age of the property is +estimated. + +309 + +310 + +2 + +2 + +70 + +71 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Actual Age + +Sale Price +Adjustment +Description + +Actual Age Adjustment + +Sale Price +Adjustment Amount + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +311 + +2 + +72 + +SALES +COMPARISON +APPROACH + +Condition + +GSE Overall +Condition Type + +The overall condition rating of the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEAgeEstimationIndicator + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘Age’]/@_Description + +1 + +3 + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘Age’]/@_Amount + +10 + +Money + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEOverallConditionType diff --git a/chunks/txt/5c84f4839fdbeaeda1b9e14760a000bdf1808f5ebe1c5466e6cd3158427dd467.txt b/chunks/txt/5c84f4839fdbeaeda1b9e14760a000bdf1808f5ebe1c5466e6cd3158427dd467.txt new file mode 100644 index 0000000000000000000000000000000000000000..78707c7196365003218f167dfbae5e9794e40e66 --- /dev/null +++ b/chunks/txt/5c84f4839fdbeaeda1b9e14760a000bdf1808f5ebe1c5466e6cd3158427dd467.txt @@ -0,0 +1,41 @@ +For co-op projects—The co-op project must comply with all requirements for co-op projects (as provided +in Selling Guide B4-2.3-02, Co-op Project Eligibility, B4-2.3-03, Legal Requirements for Co-op Projects, +and B4-2.3-05, Geographic-Specific Co-op Project Considerations). + +All rehabilitation work involved in the condo or co-op conversion must have been completed in a +professional manner. + +A current reserve study prepared by a qualified, independent professional company, accompanied by an +engineer's report, or functional equivalent, must comment favorably on the structural integrity of the +project and the remaining useful life of the major project components. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 142 of 166 + +UAD 3.6 Policy + +✓ + +Lender Pre-PERS Submission Review Requirements – For Newly Converted Non-Gut Rehabilitation +Condo or Co-op Projects + +The project budget must contain line items for + +• +• + +reserves to adequately support the costs identified in the reserve study, and +a utility contingency of at least 10% of the previous year's utility costs if the utilities are not +separately metered. + +Funds to cover the total cost of any items identified in the reserve study or engineer's report that need to be +replaced within five years from the date of the study must be deposited in the reserve account of the HOA or +of the co-op corporation, in addition to the amount stated immediately above. + +The developer must provide a detailed description of the work proposed or already completed in order for +the project units to be ready for sale. + +Generally, at least 50% of the total condo units or co-op stocks or shares in the project or subject legal phase +must have been conveyed or be under contract for purchase to principal residence or second home +purchasers. diff --git a/chunks/txt/5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7.txt b/chunks/txt/5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa00edcaf861ab6f618b9ae2a04145760d24c547 --- /dev/null +++ b/chunks/txt/5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7.txt @@ -0,0 +1,3 @@ +## Membership Listings + +The Federal Home Loan Banks (FHLB) members include thrift institutions, commercial banks, credit unions, and insurance companies. A financial institution joins the FHLBank district that serves the state where the institution's home office or principal place of business is located. A financial institution may become a member by meeting certain statutory requirements. diff --git a/chunks/txt/5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1.txt b/chunks/txt/5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1.txt new file mode 100644 index 0000000000000000000000000000000000000000..55cb4801cf3e643d302cdb5d15d99e62396ba82b --- /dev/null +++ b/chunks/txt/5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1.txt @@ -0,0 +1,100 @@ +8. 16 OTHER + +Figure 86 illustrates sample line items to be provided in Section H. These can include all real estate brokerage +fees, homeowner’s or condominium association charges paid at closing, home warranties, and inspection fees. +This section is where Seller-paid fees most frequently occur. + +8.0 Other Costs + +8.1 E. Taxes and Other Government Fees + +8.4 F. Prepaids + +8.10 G. Initial Escrow Payment at Closing + +8.16 H. Other +018. 17 HOA Special Assessment 8.17.1to HOA Acre Inc. + +02 Home Inspection Fee to HOA Acre Inc. + +03 Home Warranty Fee to Engineers Inc. + +04 Mold Inspection to Inspector Inc. + +05 Real Estate Commission (Listing) to Alpha Real Estate + +Broker + +06 Real Estate Commission (Selling) to Omega Real Estate + +Broker + +Borrower-Paid + +Seller-Paid + +At Closing + +Before Closing + +At Closing + +Before Closing + +Paid by +Others + +8.1.1 $985.00 + +8.4.1 $1,598.00 + +8.10.1 $619.65 + +8.16.1 $1,650.00 + +8.17.2 $500.00 8.17.3 + $150.00 + +8.17.4 + +8.17.5 + +8.17.6 + +$750.00 + +$450.00 + +$5,700.00 + +$5,700.00 + +07 Title – Owner’s Title Insurance (optional) to Epsilon Title + +$1,000.00 + +Co. + +Appendix E: UCD Implementation Guide + +Page 138 of 254 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +Figure 86. Other Line Items + +All line items for Other Costs are disclosed according to the following pattern: + +1. + +Identify the charge using clear and conspicuous terminology describing the service or function paid for. + +a. Precede all costs paid to a title company with the prefix “Title-”. + +b. Include the notation “(optional)” after premiums for separate insurance, warranty, guarantee, + +or event-coverage products. diff --git a/chunks/txt/5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714.txt b/chunks/txt/5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f76bdebc788e5bcdd10039479cbeb0045bae123 --- /dev/null +++ b/chunks/txt/5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714.txt @@ -0,0 +1,143 @@ +Number of Comparable Sales + +Comparable Sales +Researched Count + +Specifies the total number of comparable +property sales researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/RESEARCH/@ComparableSalesResearchedCount + +Comparable Sales Price Range +Low + +Comparable Sales Price Range +High + +Comparable Sales +Price Range Low +Amount +Comparable Sales +Price Range High +Amount + +Specifies the low sale value in the range +of values within the group of comparable +sales researched. +Specifies the high sale value in the range +of values within the group of comparable +sales researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/RESEARCH/@ComparableSalesPriceRangeLowAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/RESEARCH/@ComparableSalesPriceRangeHighAmount + +5 + +15 + +15 + +5 + +15 + +15 + +Numeric + +PDF Display Format: +Numeric, 5-digit maximum. + +Money + +PDF Display Format: +Whole dollars only. + +Money + +PDF Display Format: +Whole dollars only. + +Numeric + +PDF Display Format: +Numeric, 5-digit maximum. + +Money + +PDF Display Format: +Whole dollars only. + +Money + +231 + +2 + +11 + +SALES +COMPARISON +APPROACH + +Address +(Line 1) + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_StreetAddress + +60 + +String + +232 + +2 + +12a + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property City + +The city in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_City + +40 + +String + +233 + +2 + +12b + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property State + +The state in which the subject property is +located. diff --git a/chunks/txt/5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d.txt b/chunks/txt/5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c4dd3bd86eaa6d674b99ff2e6cf99d0fe9c0b80 --- /dev/null +++ b/chunks/txt/5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d.txt @@ -0,0 +1,92 @@ +definitions of property types using +specific characteristics to +determine the risk profile. + +M A R C H 2 0 2 3 + +7 + +How Are the Appraisal Forms Changing? + +There are just too many appraisal forms, and they were all originally designed to be completed on +typewriters. All current forms will be retired, and will be replaced by a single, data-driven, flexible and +dynamic report that will be better organized and populated based on the property type and characteristics. +It will be a report that provides clear-cut support for the appraiser’s final value conclusion and will be more +understandable for anyone reviewing it. + +Some of the most exciting updates include: + +Dynamic +sales grid + +No more +general +addenda + +New summary +page + +Photos placed +within relevant +sections + +M A R C H 2 0 2 3 + +8 + +Appraisal Software Vendor Roadmap + +Spec Delivery + +Build to the Spec + +Test and Verify + +q UAD 3.6 spec delivered to industry. + +q Start building as soon as possible. + +q Familiarize yourself with MISMO 3.6 + +spec (visit MISMO.org). +q Check in with all partners to +determine possible impacts. + +q Start thinking about allocating + +resources you'll need to implement +changes to your process. + +q Make necessary system + +enhancements to support the +UAD 3.6 spec. + +q Develop vendor-specific training to +help AMCs/appraisers get familiar +with your updated systems. + +q Offer AMCs/appraisers access to +your updated systems for testing. + +2023 + +2023-2024 + +2024 + +M A R C H 2 0 2 3 + +9 + +UCDP Direct Integration Vendor Roadmap + +Spec Delivery + +q UAD 3.6 spec delivered to industry. + +q Familiarize yourself with MISMO 3.6 + +spec (visit MISMO.org). +q Check in with all partners to +determine possible impacts. diff --git a/chunks/txt/5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6.txt b/chunks/txt/5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6.txt new file mode 100644 index 0000000000000000000000000000000000000000..76a58d5aa68d505b6e09f5be2202f9113544fbd3 --- /dev/null +++ b/chunks/txt/5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6.txt @@ -0,0 +1,82 @@ +If more than one prior transfer of the subject +property or any of the comparable sale(s) +occurred within the applicable time period, the +additional transfer(s) must be listed and +reported in the “Analysis of Prior Sale or +Transfer History of the Subject Property and +Comparable Sales” field. + +Reporting Format: +Date of Prior Sale/Transfer – mm/dd/yyyy + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +*FIELDS ARE LOCATED +IN PRIOR SALE +HISTORY SECTION + +Page 56 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +*FIELDS ARE LOCATED +IN PRIOR SALE +HISTORY SECTION + +Price of Prior Sale/Transfer +The appraiser must report the price(s) of prior +sale(s) or transfer(s) of the subject property +for the three years prior to the effective date of +the appraisal. The appraiser must report the +price(s) of the prior sale(s) or transfer(s) of +any comparable property during the twelve +months prior to its date of sale. + +If more than one prior transfer of the subject +property or any of the comparable sales +occurred within the applicable time period, the +additional transfer(s) must be listed and +reported in the “Analysis of Prior Sale or +Transfer History of the Subject Property and +Comparable Sales” field. diff --git a/chunks/txt/5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f.txt b/chunks/txt/5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f52ca907f5cbb665a8d844e74133a7dd6730ce03 --- /dev/null +++ b/chunks/txt/5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f.txt @@ -0,0 +1,3 @@ +17 Market ............................................................................................................................................................................................................................................ 234 + +Overview ................................................................................................................................................................................................................................................ 234 diff --git a/chunks/txt/5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f.txt b/chunks/txt/5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..79eb084d132911ec50ceb9303b1163be518805a6 --- /dev/null +++ b/chunks/txt/5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f.txt @@ -0,0 +1,41 @@ + + + SubjectPropertyAmenities +Commentary may be added here. + +Page 227 + + + +Subject Property Amenities Exhibits + +The Subject Property Amenities Exhibits subsection displays when images are provided. + +Amenity Type + +• + +Images provided for amenities must be delivered in the IMAGE container of the instance of the AMENITY container that represents the +referenced amenity. E.g., image data associated with the patio must be provided in the IMAGE container located in the instance of the +AMENITY container where AmenityType = “Patio”. + +• The enumerated value of the AmenityType (UID: 1400.0638, FID: 14.002.1) displays above the image. +• An additional image caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 14.002.2) and will display above + +the image following the amenity type. + +Apparent Defects, Damages, Deficiencies + +• + +Images provided for Apparent Defects, Damages, Deficiencies (Subject Property Amenities) must be delivered in the IMAGE container located in +the instance of the DEFECT container that represents the given defect. + +• The text “Apparent Defects, Damages, Deficiencies - ” precedes the AmenityType (UID: 1400.0638, FID: 14.006.1). +• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 14.006.2) and will also display above the + +image following the amenity type. + +Additional Exhibits + +• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 14.012.1) = diff --git a/chunks/txt/5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d.txt b/chunks/txt/5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d.txt new file mode 100644 index 0000000000000000000000000000000000000000..606247cd92182b65a223cd8b602fcaf03017204b --- /dev/null +++ b/chunks/txt/5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d.txt @@ -0,0 +1,107 @@ +Plat Map +Previous Appraisal File +Property Data Report +Property Management Company +Property Owner +Property Tenant +Real Estate Agent +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 183 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Project Unit Counts + +Report on the unit counts for the project in which the subject is located, not the master or umbrella association. + +Report +Field ID + +Report Label + +When to Include + +18.006 Total Units + +18.007 Units Sold + +18.008 Units for Sale + +18.009 Units Rented + +18.009 Units Rented + +Required if the +property is in a +condominium, +cooperative, or +condop + +Required if the +property is in a +condominium, +cooperative, or +condop + +Required if the +property is in a +condominium, +cooperative, or +condop + +Required if the +property is in a +condominium, +cooperative, or +condop + +Required if the +property is in a +condominium, +cooperative, or +condop + +Project Information: Project Unit Counts + +Allowable +Answers / Format + +Number + +Definition / Additional Guidance + +Total number of individual dwelling units in the project. Includes: +• +• +• + +Completed units +Planned or under-construction units if the project is not complete +Units held by the developer or sponsor + +Number + +Number + +Number + +Yes | No + +Total number of units in the project that have been sold by the developer, i.e., +settled sales, conveyed to unit purchasers. +• + +If all units have been sold by the developer, Units Sold would equal Total +Units. + +Total number of units in the project that are currently for sale, whether by the +developer/sponsor or resales by individual owners. Includes: +• +• diff --git a/chunks/txt/5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7.txt b/chunks/txt/5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..097b225690602c932c4e9419f0085befea10c1f6 --- /dev/null +++ b/chunks/txt/5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7.txt @@ -0,0 +1,19 @@ +As shown under the MISMO v3.3.0 Context column in the first instance of CASH TO CLOSE ITEM, above, the entire +content of the Calculating Cash to Close table is supported by the DOCUMENT SPECIFIC DATA SETS structure. Ten +instances of CASH TO CLOSE ITEM are used to convey all line item content and totals for the Calculating Cash to +Close table. + +Each line within the section is identified using the data point Integrated Disclosure Cash To Close Item Type with +the appropriate enumeration. The enumerations are the same as the required line item names. For each line +item the amount from the Loan Estimate is represented using the Integrated Disclosure Cash To Close Item +Estimated Amount and the Final amount is represented using the Integrated Disclosure Cash To Close Item Final +Amount. The data point Integrated Disclosure Cash To Close Item Amount Change Indicator is used to answer the +question “Did this change?” and if the amount has changed, the Integrated Disclosure Cash To Close Item +Amount Change Description is used to describe the change. + +The totals within the section are identified using the data point Integrated Disclosure Cash To Close Item Type +equal to “Cash To Close Total”. An alternative mapping for the Total lines would be to include both Integrated +Disclosure Cash To Close Item Estimated Amount and Integrated Disclosure Cash To Close Item Final Amount in +the same container as Integrated Disclosure Cash To Close Item Type = “Cash to Close Total”. However, since the +Alternative Calculating Cash to Close table mapping requires the Estimate and Final amounts to be in separate +containers, that same mapping approach is used here for consistency. diff --git a/chunks/txt/5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549.txt b/chunks/txt/5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ef3b6d8bf98eb2881256f725c2c16e56c1f2980 --- /dev/null +++ b/chunks/txt/5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549.txt @@ -0,0 +1,27 @@ +August 6, 2024 + +## [2024 Duty to Serve Public Listening Sessions: Manufactured Housing Market](/news/videos/2024-duty-to-serve-listening-session-manufactured-housing) + +![Preview image for the video "2024 Duty to Serve Public Listening Sessions: Manufactured Housing Market".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + +August 6, 2024 + +## [2024 Duty to Serve Listening Session: Affordable Housing Preservation](/news/videos/2024-duty-to-serve-listening-session-affordable-housing-preservation) + +![Preview image for the video "2024 Duty to Serve Listening Session: Affordable Housing Preservation".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + +July 3, 2024 + +## [FHLBank and CDFI Symposium](/news/videos/fhlbank-and-cdfi-symposium) + +![Preview image for the video "FHLBank and CDFI Symposium".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + +May 28, 2024 + +## [FHFA House Price Index 2024 Q1](/news/videos/fhfa-house-price-index-2024-q1) + +![Preview image for the video "FHFA House Price Index 2024 Q1".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video diff --git a/chunks/txt/5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c.txt b/chunks/txt/5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c.txt new file mode 100644 index 0000000000000000000000000000000000000000..70d38fc706b1052c2680f62eb1e5956d1b25c38f --- /dev/null +++ b/chunks/txt/5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c.txt @@ -0,0 +1,35 @@ +[FHFA and CFPB Release Additional Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-additional-data-from-the-national-survey-of-mortgage-originations-for-public) (2/20/2020) + +[FHFA and BCFP Release National Survey of Mortgage Originations Dataset for Public Use](/news/news-release/fhfa-and-bcfp-release-national-survey-of-mortgage-originations-dataset-for-public-use) (11/8/2018) + +[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012) + +**Other Data** + +[NMDB Aggregate Statistics](/data/nmdb) (9/25/2025) + +**Flyer** + +[NSMO](/document/nsmo-flyer-v60.pdf) (10/24/2025) + +**Technical Documentation** + +[NMDB](/document/NMDB-Technical-Documentation.pdf) (12/28/2022) + +[NSMO](/document/nsmo-technical-report-v60.pdf) (10/24/2025) + +**NMDB Staff Working Papers​** + +[18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience](/research/papers/nmdb-wp1802) (3/14/2018) + +[18-01: Mortgage Experience of Rural Borrowers](/research/papers/nmdb-wp1801) (3/14/2018)​​​ + +**NSMO Symposium in Cityscape** + +[Link](https://www.huduser.gov/portal/periodicals/cityscpe/vol21num2/index.html) to *Cityscape* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0.txt b/chunks/txt/5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0.txt new file mode 100644 index 0000000000000000000000000000000000000000..b052c9731a9b039f03418f030a0e0453874e3bf9 --- /dev/null +++ b/chunks/txt/5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0.txt @@ -0,0 +1,3 @@ +Appraiser ...................................................................................................................................................................................................................... 57 + +Supervisory Appraiser .................................................................................................................................................................................................. 57 diff --git a/chunks/txt/5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9.txt b/chunks/txt/5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9.txt new file mode 100644 index 0000000000000000000000000000000000000000..cbbd5d506b8f1e22a0d46bce202b5af0c21eefdf --- /dev/null +++ b/chunks/txt/5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9.txt @@ -0,0 +1,7 @@ +Edits. + +5. Once the Integration Analyst signs off on the required test cases, the partner will be considered “validated” to provide + +UCD v2.0. + +© 2025 Fannie Mae 7.7.25 Page 2 of 2 diff --git a/chunks/txt/5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de.txt b/chunks/txt/5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de.txt new file mode 100644 index 0000000000000000000000000000000000000000..b4755e7f5f2a5d16c5ee882af8c933ffd189af06 --- /dev/null +++ b/chunks/txt/5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de.txt @@ -0,0 +1,48 @@ +B. Containers + +The “Containers” worksheet contains an alphabetical list of the containers (Complex Type +XML Elements) used in the V3.0 Reference Model. The “Containers” worksheet can be +used to answer the following questions: + +Figure III-2. Questions Answered by the Containers Worksheet. + + + +Is there a MISMO data category that corresponds to a business process or +a section of form or system screen? + + Where in the Reference Model is a container used? + + What is the parent container? + + + +Is a container the child of more than one parent? + + What is the correct spelling or definition of a container? + +The following information is presented in the columns associated with each container: + +1. Container + +The “Container” column lists the containers used in the V3.0 Reference Model. +Container names are determined by the submitting MISMO Workgroup and approved + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 19 of 76 + +Section III. Using the MISMO v3.0 Logical Data Dictionary + +by MISMO. The container name must comply with the same MISMO naming +conventions governing data points and valid values. MISMO container names are +expressed in ALL_CAPS with underscores joining each word. (Note that for +readability in this document, the container names are shown in SMALL_CAPS, and the +underscores are omitted from some figures. This special formatting must not be used +in the loan delivery file or the file will not process properly.) + +Example III-12. MISMO LDD Container Names. + +Container: diff --git a/chunks/txt/5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147.txt b/chunks/txt/5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147.txt new file mode 100644 index 0000000000000000000000000000000000000000..63734baa1029172c44209c7ea85ac573781ebee4 --- /dev/null +++ b/chunks/txt/5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147.txt @@ -0,0 +1,16 @@ +--- + +**Year** **Format** **Dictionary** **DTS Plan Cycle​** ​2024 [[ZIP]](/sites/default/files/2024-07/SF_SFI_LIST_2024.zip) [​[PDF]](/sites/default/files/2024-07/SFI_README_2024.pdf)​ 2025-2027 ​2020 [[ZIP]](/sites/default/files/2023-10/SF_SFI_LIST_2020.zip) [​[PDF]](/sites/default/files/2023-10/SF_SFI_README_2020.pdf)​ 2022-2024​ + +## Interactive Maps + +- ## High Needs Counties with Rural Tracts Map + +The Duty to Serve High-Needs Counties with Rural Tracts Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serve High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Interacting with any county on the map allows users to view a map of census tracts within the county, and whether the tracts are classified as Duty to Serve Rural or Not Duty to Serve Rural. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition. + +- [2022-2024 High Needs Counties with Rural Tracts Map](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2022-2024) + - [2018-2020 High-Needs Counties with Rural Tracts Map](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2018-2020) + +- ## All Rural Tracts Map + +The Duty to Serve (DTS) All Rural Tracts Map shows the census tracts that are considered rural areas or non-rural areas for DTS purposes. Users can select a state to view the underlying Census tracts that meet the DTS rural definition. diff --git a/chunks/txt/5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823.txt b/chunks/txt/5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823.txt new file mode 100644 index 0000000000000000000000000000000000000000..a794a2ded2706ad2851bf5b49c636c60ffdf3bde --- /dev/null +++ b/chunks/txt/5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823.txt @@ -0,0 +1,42 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Signature + +Appraiser +Annie Appraiser +Annie Appraiser + +08/28/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified General +294210393 +DC +02/28/2020 + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Manufactured Home Scenario 1 (MH1) + +Introduction + +This report is for a manufactured home with multiple sections. It has 1,568 sq. ft. of finished area, three +bedrooms, and two baths. The appraisal is for a refinance of the existing mortgage on the land, with a +new construction manufactured home. The manufactured home has not been occupied and is in C1 +condition. diff --git a/chunks/txt/5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea.txt b/chunks/txt/5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2e562511fbbf145e4b2872f2a23b58e7b24a272 --- /dev/null +++ b/chunks/txt/5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea.txt @@ -0,0 +1,258 @@ +No + +$0 + +$0 + +$0 + +No + +$0 + +03/30/2018 + +$5,000 + +05/10/2019 + +$0 + +406 + +Detached + +Fee Simple + +No + +Mineral Rights + +Mineral Rights + +Mineral Rights + +Mineral Rights + +No + +No + +No + +Street Type | Surface + +Rural Road | Gravel + +5 Acres + +Magic Hill + +No Hazard Zone Noted + +4.93 Acres + +Magic Hill + +No Hazard +Zone Noted + +Rural Road +| Gravel + +Lake | Overhead Electric +Power Transmission Line + +Lake | Park + +$(5,000) + +Landfill + +Landfill + +$0 + +5 Acres + +$(25,000) + +1 Acre + +$30,000 + +Diagonal Alley + +$(5,000) + +Magic Hill + +No Hazard +Zone Noted + +Cul-de-Sac | +Concrete + +Canal | Gated +Community + +Underground +Storage Tank + +$0 + +FEMA Special +Flood Hazard +Area + +Rural Road +| Gravel + +$(10,000) + +$(10,000) + +Park | River + +$(5,000) + +$0 + +Radon + +$0 + +Lake | Full +High Voltage Power Lines | +Seasonal +Woods | Partial + +Woods | Full + +$(3,000) + +Valley | Full + +$(3,000) + +Woods | Full + +$(3,000) + +Water Frontage with Private Access + +$(5,000) + +$15,000 + +$30,000 + +Water Frontage + +Permanent Waterfront +Feature + +Right to Build + +Total Linear Measurement + +Dwelling(s) + +Year Built + +Lake | Lake Virginia +| Shallow Water + +Dock | Pier + +— + +40 Ft. + +Lake | Lake Virginia +| Shallow Water + +Canal | Deep Water + +None + +Yes + +40 Ft. + +Dock | Pier + +— + +10 Ft. + +— + +— + +— + +— + +2019 + +1989 + +$10,000 + +2001 + +$0 + +1981 + +$10,000 + +Construction Method + +Manufactured Home Width + +Manufactured + +Manufactured + +Manufactured + +Multi + +Multi + +Multi + +Heating + +Forced Warm Air | Electric + +Forced Warm +Air | Propane + +$0 + +Forced Warm +Air | Electric + +Manufactured + +Multi + +Forced Warm +Air | Propane + +$0 + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Appraisal Version #3 diff --git a/chunks/txt/5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d.txt b/chunks/txt/5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a7198b764985fffc041499dc1bc3f695af3692bd --- /dev/null +++ b/chunks/txt/5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d.txt @@ -0,0 +1,72 @@ +If the property has multiple distinct addresses, include them in Alternate +Physical Address. Examples: +• + +Corner lots +o + +Example: A house at the corner of Main St and 1st St that faces 1st St +may have an address of 123 Main St and an additional address of +200 1st St. + +3.002 + +County + +Always required + +Free-form + +• Multiple city names that use the same ZIP code + +• +• + +• + +o + +Example: Colesville MD, Burtonsville MD and Silver Spring MD are all +valid cities for ZIP code 20904. +Address changed by the local jurisdiction +Rural property with a rural delivery address. Some properties do not have +traditional “city style” addresses that denote the physical address. +o + +Example: Enter RD #6 Chase Rd for Physical Address and Box 40 +Chase Rd for Alternate Physical Address. + +Condos, co-ops, or condops where the legal description differs from the +USPS address. +o + +Example: Mailboxes located in a cluster box in a lobby or outside of +the building. Enter 123 Oak St for Physical Address and 123 Oak St, +Box 11 for Alternate Physical Address. + +Name of county or parish as defined by the state. +Notes: +• + +If the subject property is not located in any county (located in an +independent city), enter the name of the local municipality or district in +which the property is located. Examples: Baltimore City, Fairfax City. +If the property is located in more than one county, provide the county +that corresponds to the Physical Address, and provide further details in +Subject Property Commentary (3.032). + +• + +3.003 + +Neighborhood +Name + +If applicable + +Free-form + +The neighborhood name may be a name recognized by the municipality in +which the property is sited. +Note: +• diff --git a/chunks/txt/5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2.txt b/chunks/txt/5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..603edb888e862db5a9702b03a090289a653cbf60 --- /dev/null +++ b/chunks/txt/5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2.txt @@ -0,0 +1,25 @@ +Note: The ANSI standard cannot be used to measure apartment/multifamily buildings; however, it must be used in all other cases +for single-family dwellings including townhomes, rowhouses, and detached dwellings. When measuring an apartment unit in a +condo or co-op project building, the appraiser must use interior perimeter measurements. + +The appraiser must be consistent when reporting the finished above-grade square footage, below-grade square footage, and +room count. The need for consistency also applies from report to report. For example, when using the same transaction as a +comparable sale in multiple reports, the room count, and square footage(s) must not change. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 83 of 166 + +UAD 3.6 Policy + +The square footage of any nonstandard finished area(s) (NSFA) such as finished area(s) with direct interior access from within the +dwelling not conforming to the ANSI ceiling height requirements or accessed through unfinished area(s) (e.g., an unfinished +hallway, a room, or staircase, etc.) must be calculated and reported separately in accordance with the ANSI standard. +Additionally, the appraiser must provide the reason(s) this area does not comply with the ANSI standard and also acknowledge +any contribution of the additional square footage. + +Fannie Mae considers a level to be below-grade if any portion of it is below-grade, regardless of the quality of its finish or the +window area of any room. Therefore, a walk-out partially below-grade area with finished rooms would not be included in the +above-grade square footage. Appraisers should include both above- and below-grade rooms in the total bedroom and bathroom +counts. However, when providing the level and room detail, the appraiser must identify the level, whether the room is above- or +below-grade, and if the area is finished (includes NSFA) or unfinished. diff --git a/chunks/txt/5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a.txt b/chunks/txt/5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a.txt new file mode 100644 index 0000000000000000000000000000000000000000..c956d5822d5c223769a613ba2881d204a814dc41 --- /dev/null +++ b/chunks/txt/5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a.txt @@ -0,0 +1,29 @@ +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 21 of 22 +Page 21 of 22 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. diff --git a/chunks/txt/5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2.txt b/chunks/txt/5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c78d57d1a27a3e244e6abb3635a461dba31d2ea --- /dev/null +++ b/chunks/txt/5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2.txt @@ -0,0 +1,26 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +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 + +29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. + +Description of Prior Services: + +Additional Appraiser Certifications + +Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +1. + +Supervisory Appraiser Certifications + +The Supervisory Appraiser certifies and agrees that: diff --git a/chunks/txt/5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63.txt b/chunks/txt/5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63.txt new file mode 100644 index 0000000000000000000000000000000000000000..7db20cac51b9a82af76694a0674daba93d9b4dc9 --- /dev/null +++ b/chunks/txt/5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/information-quality" +date_accessed: "2026-01-27T17:47:55.378Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800.txt b/chunks/txt/5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f3af5d776c6ee6859ce28509d82490354adf59b --- /dev/null +++ b/chunks/txt/5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800.txt @@ -0,0 +1,30 @@ +The lender must represent and warrant that the property + +• does not have soundness or structural integrity issues; +• does not have significant items of incomplete construction or renovation; and +• meets Fannie Mae's property eligibility requirements (see SB2-3-01, General Property Eligibility). + +To make these representations and warranties in the absence of an appraisal, the lender must examine the descriptive +information and photo exhibits from the property data collection to determine whether the property meets the above +requirements. + +When the property data collection denotes items that potentially do not meet the eligibility requirements, the lender may need to +obtain a professionally prepared report from a qualified professional to confirm the eligibility of the property and if repairs are +required (well, septic, foundation, roof, electrical, mold, etc.). If repairs or alterations are necessary to bring the property into +compliance with Fannie Mae's eligibility requirements, the lender must provide satisfactory evidence and documentation +showing the condition has been corrected or completed prior to sale of the loan to Fannie Mae. + +See Completion Report and Completion Alternatives in SB4-1.2-05, Requirements for Verifying Completion and Postponed +Improvements for the applicable requirements to verify completion of repairs, alterations, or inspections. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 127 of 166 + +UAD 3.6 Policy + +SB4-2.1-01, General Information on Project Standards (12/10/2025) + +Introduction + +This topic contains general information on Fannie Mae’s project standards, including: diff --git a/chunks/txt/5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111.txt b/chunks/txt/5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111.txt new file mode 100644 index 0000000000000000000000000000000000000000..216767197581628c3a0e6bec902fb2ff401ab315 --- /dev/null +++ b/chunks/txt/5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111.txt @@ -0,0 +1,21 @@ +Technology Manager Release Notes + +May 1, 2020 + +Technology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access to Fannie Mae +applications. Registered users can view and modify their user profile and security information, and company designated +administrators can assign various applications to their users. + +What's new in this release? + +Technology Manager now provides a self-serve functionality to manage System IDs. Corporate and User Administrators* are now +able to access this feature and perform the following actions: + +1. Create System IDs +2. Manage Access for System IDs +3. Unlock, Deactivate and Reactivate System IDs +4. Change System ID Passwords (available since 4/3/2020) + +*User Administrators for Mortgage Broker-type organizations are those without a five-digit Seller/Servicer Number. + +© 2020 Fannie Mae 4.30.20 Page 1 of 1 diff --git a/chunks/txt/5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f.txt b/chunks/txt/5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f.txt new file mode 100644 index 0000000000000000000000000000000000000000..0619e7d2c4a6c512befbd57a85a51b4128dc0382 --- /dev/null +++ b/chunks/txt/5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f.txt @@ -0,0 +1,36 @@ +Affordable LTV Message + +Selling Guide Announcement SEL-2023-04 updated requirements for loans that are part of shared equity transactions. The DU +message that is issued on loans using the Affordable LTV feature will be updated to reflect these updates. + +© 2023 Fannie Mae. + +7.12.23 + +2 of 3 + +Manufactured Homes with Temporary Interest Rate Buydowns + +Selling Guide Announcement SEL-2023-05 specified that Fannie Mae will now permit temporary interest rate buydowns on +manufactured homes. DU will no longer issue an Ineligible recommendation for these transactions. + +Qualifying Rate Changes + +Selling Guide Announcement SEL-2023-05 updated the qualifying interest rate requirements for 7- and 10-year ARMs. For +borrowers obtaining a 7- or 10-year ARM, DU will now calculate the qualifying payment using the note rate, instead of the greater +of note rate and fully indexed rate. + +Note: The greater of the note rate and the fully indexed rate is still required for loans that are higher-priced mortgage loans +or higher-priced covered transactions under Regulation Z. Those loans must be manually underwritten. + +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. + +© 2023 Fannie Mae. diff --git a/chunks/txt/5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e.txt b/chunks/txt/5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8181c7443f9051186147ec2e2efb6981f72fa3bc --- /dev/null +++ b/chunks/txt/5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/house-price-index" +date_accessed: "2026-01-27T17:47:50.189Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b.txt b/chunks/txt/5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b.txt new file mode 100644 index 0000000000000000000000000000000000000000..46cc83995393b585ab15b3e811b2e5b9bb23e3f7 --- /dev/null +++ b/chunks/txt/5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b.txt @@ -0,0 +1,5 @@ +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 258 + +Subject Listing Information Exhibits ......................................................................................................................................................................................... 261 + +Subject Listing Information – Arcrole Relationships ................................................................................................................................................................ 262 diff --git a/chunks/txt/5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2.txt b/chunks/txt/5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..77788c5269d51e98d0842afc9e2c7833ed76d2d6 --- /dev/null +++ b/chunks/txt/5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2.txt @@ -0,0 +1,50 @@ +Action Taken Date (Loan Originated): + +Action Taken Date is an unchanged +HMDA data element that reports the +action, and the date the action was +taken.64 For the Enterprise data and +PUDB purposes, the relevant HMDA +Action Taken Date values are Loan +Originated and Purchased Loan +(discussed below in Section II.B.2.ii.).65 +The CFPB intends to withhold all +Action Taken Dates from its public +dataset since the exact dates could be +used to match to other public datasets +with individually identifying +information.66 However, the year of +origination or year of purchase can +always be inferred from the CFPB’s +public dataset because it only contains +loans that were originated or purchased +in that year—e.g., the dataset with 2018 +data only contains loans originated or +purchased in 2018. + +The current PUDB Single-Family + +National File B includes a field for Date +of Mortgage Note, which conforms with +the HMDA Loan Originated value. Date +of Mortgage Note is modified in the +current PUDB to indicate whether the +loan was originated in the same year it +was acquired, or in any prior year. This +modification conforms with the CFPB’s +intended withholding of the month and +day from its public dataset. +Accordingly, Date of Mortgage Note will +be disclosed in the PUDB Single-Family +Census Tract File in the same manner, +in conformance with the CFPB Privacy +Guidance.67 + +63 84 FR at 656. +64 12 CFR 1003.4(a)(8)(i)(A) and (ii). The PUDB + +combines Action Taken and Action Taken Date +since there is only one possible action by the +Enterprises (purchase) and there are two available +dates in the Enterprise data (origination and +purchase). diff --git a/chunks/txt/5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329.txt b/chunks/txt/5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329.txt new file mode 100644 index 0000000000000000000000000000000000000000..b055829b526f364fdcbe796a7bd8e2959fa3238b --- /dev/null +++ b/chunks/txt/5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329.txt @@ -0,0 +1,48 @@ +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 7 of 76 + +Section V. Resources + +Shared use of the MISMO standard will enable both GSEs to better capture consistent and +accurate data for the loans that are submitted for purchase and/or securitization by: + +a. Reducing ambiguities in the types and definitions of data elements required for selling + +loans to the GSEs, + +b. Enabling collection of additional data at a more granular level that will provide market + +participants with an increased, common understanding of loan data, + +c. Allowing for easier collection of new data in the future, and + +d. Establishing a foundation set of mortgage data that can be easily used by lenders for + +other purposes throughout the loan life cycle. + +D. Overview of ULDDS and ULDD Documentation + +1. Uniform Loan Delivery Data Specification + +The GSEs released the ULDDS on June 8, 2010. The ULDDS defines and documents +the GSEs’ shared use of a subset of the V3.0 Reference Model. + +a. Appendix A - XML Data Requirements + +Appendix A to the ULDDS (ULDDS Appendix A) is the key document within the +ULDDS package. ULDDS Appendix A (also referred to as the “joint loan delivery +dataset”) identifies and defines the shared GSE loan delivery data specification, +including the list of required data elements (known as “data points”), their +definitions, and format types. The data point names, definitions and format types +are dictated by (and identical to) Version 3.0 of the MISMO Logical Data +Dictionary (LDD). + +ULDDS Appendix A also documents the GSEs’ shared requirements for +submission of each data point, providing guidance on the business condition +governing when the data must be sent (conditionality), and detailed format and +usage instructions. In some cases, each GSE’s underlying business policy and +procedures dictate that the conditionality of a given data point differs depending on +which GSE is to receive it. diff --git a/chunks/txt/5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db.txt b/chunks/txt/5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e4509a7bd901fa5dde090627d50a0acb2932167 --- /dev/null +++ b/chunks/txt/5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db.txt @@ -0,0 +1,3 @@ +MISMO XML Version 3.6 ........................................................................................................................................................................................................................ 28 + +Data format types .................................................................................................................................................................................................................................... 28 diff --git a/chunks/txt/5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c.txt b/chunks/txt/5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8137b40fe2ff304357964c8f9e1ca8be32d5c8ad --- /dev/null +++ b/chunks/txt/5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c.txt @@ -0,0 +1,65 @@ +Appendix F-1: URAR Reference Guide + +Page 15 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Impact (Adverse, Beneficial, or Neutral) + +Impact is reported as discrete data in the sections listed below. + +Allowable Answer + +Definition / Additional Guidance + +Impact + +Adverse + +Beneficial + +Neutral + +• Site + +The market reaction has a negative impact on the property’s value or marketability. + +The market reaction has a positive impact on the property’s value or marketability. + +No measurable market impact on the property’s value or marketability. + +Note: Neutral does not mean equal to other properties. For example, if the subject and all comparables have the same +view, that does not necessarily mean that Impact is Neutral. + +o Zoning (4.012) +o Site Influence (4.028) +o View and Impact to Value/Marketability (4.041) +o Site Features and Impact to Value/Marketability (4.045, 4.048, 4.052, 4.056, 4.060, 4.064) +o Private Utility Impact in Utilities and Impact to Value/Marketability (4.073, 4.079, 4.085, 4.091, + +4.097) + +• Energy Efficient and Green Features + +o Energy Efficient and Green Features Impact to Value/Marketability (6.014) + +• Project Information + +o Project Factors and Impact to Value/Marketability (18.074 – 18.083) + +Defects, Damages, Deficiencies + +The appraiser must report any significant items and associate any defect, damage, or deficiency with the most +appropriate section of the URAR. These defects, damages, and deficiencies are items that: +• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the + +industry, or + +• Negatively affect the integrity / composition of the site itself, or +• Negatively affect the soundness or structural integrity of the improvements to the site, or +• Measurably impact the marketability or value of the property, or +• Require completion diff --git a/chunks/txt/5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d.txt b/chunks/txt/5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a41fb948877642d85804305aae1a96dfd24fc9c2 --- /dev/null +++ b/chunks/txt/5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d.txt @@ -0,0 +1,140 @@ +Page 121 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +477 + +3 + +130 + +RECONCILIATIO +N + +The appraisal is made “subject +to the following required +inspection” + +Valuation +Reconciliation +Condition Of +Appraisal Type + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION +_OF_APPRAISAL[@_Type=‘SubjectToInspections’] + +20 + +Enumerated + +UAD Requirement - Refer to Appendix D Reconciliation Section +A separate Valuation Reconciliation Condition of Appraisal element must be populated +for each box that is checked. + +478 + +3 + +131 + +RECONCILIATIO +N + +Comment Area + +Valuation +Reconciliation +Conditions +Comment + +A free-form text field used to summarize +and clarify the conditions of the subject +property upon which its valuation is +based. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Conditions +Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +479 + +3 + +132 + +RECONCILIATIO +N + +Market Value + +Property Appraised +Value Amount + +Statement of property's value from a valid +property valuation source. + +/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount + +12 + +Money + +480 + +3 + +133 + +RECONCILIATIO +N + +As of (Effective Date) diff --git a/chunks/txt/5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524.txt b/chunks/txt/5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524.txt new file mode 100644 index 0000000000000000000000000000000000000000..b8f55b19e3486dded3670d028b1c5257b0be705c --- /dev/null +++ b/chunks/txt/5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524.txt @@ -0,0 +1,19 @@ +10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable +condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or +structural integrity of the property. + +11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. diff --git a/chunks/txt/5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b.txt b/chunks/txt/5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b.txt new file mode 100644 index 0000000000000000000000000000000000000000..668933f668ea7a7843392a7776cb0b5c24adadef --- /dev/null +++ b/chunks/txt/5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b.txt @@ -0,0 +1,32 @@ +DU for Government Loans Release Notes +January 2026 Release + +Jan. 7, 2026 + +During the weekend of Jan. 24, 2026, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA +changes. + +N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.” + +FHA Loan Limits + +FHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2026 county +loan limit updates. + +However, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit, and the FHA +National Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU +will display the 2025 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 24 where a property +county cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or +resubmitted on or after the weekend of Jan. 24 where a property county cannot be determined, DU will display the 2026 FHA +National Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the +correct limit is applied when determining eligibility. + +VA 2026 County Loan Limit Changes + +The 2026 county loan limits are available on VA’s website. + +VA loan casefiles submitted or resubmitted prior to the weekend of Jan. 24 will be underwritten using the 2025 VA county loan +limits. All VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 24 will be underwritten using the 2026 VA +county loan limits. Because the 2026 VA county loan limits will not be implemented on the date they are in effect, lenders are +responsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from Jan. 1 +through Jan. 24. diff --git a/chunks/txt/5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea.txt b/chunks/txt/5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c4e15c4549a4ef39d8e7ac823ef87481e230993 --- /dev/null +++ b/chunks/txt/5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea.txt @@ -0,0 +1,9 @@ +The data are provided for public transparency and to promote fair lending, but do not by themselves prove or disprove unlawful discrimination. + +## Statistics Reported + +The *accept rate* represents the proportion of applicants who were approved by the AUS and whose loans are eligible for purchase based on their credit characteristics. It does not represent final credit decisions concerning applicants, which are made by lenders. The accept rate is influenced by the population of borrowers applying for mortgage credit. The number borrowers who are submitted to the AUS is constantly changing and fluctuates with changes in market interest rates, affordability, household formation, lender selection, and other market factors. Additionally, lenders may use one or both AUS systems to assess an applicant. + +The *accept rate gap* represents the raw difference between the protected class accept rate and the comparison group (Non-Hispanic white) accept rate. The *accept rate ratio* represents the protected class accept rate divided by the comparison group accept rate. These statistics help FHFA to assess the impact of changes in the population applying for credit and policy changes in the AUS. + +Loans that are accepted by the AUS and originated by lender may or may not result in an Enterprise loan acquisition, or funding. Enterprise loan acquisitions are influenced by a variety of factors such as the lender’s propensity to securitize or retain loans on the balance sheet, pricing and execution, as well as other economic variables. Loan acquisition data are displayed by race and ethnicity along with the proportion (or share) of loan acquisitions for that quarter. diff --git a/chunks/txt/5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a.txt b/chunks/txt/5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed2c052c48e388e4b63d56f8ee8433f4eda1ddb7 --- /dev/null +++ b/chunks/txt/5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a.txt @@ -0,0 +1,3 @@ +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 diff --git a/chunks/txt/5dcaae922f2d1b4cd0c82b09f1da10a0465dc40d2ba3387ede3081f42ef41aa8.txt b/chunks/txt/5dcaae922f2d1b4cd0c82b09f1da10a0465dc40d2ba3387ede3081f42ef41aa8.txt new file mode 100644 index 0000000000000000000000000000000000000000..afef94e520f508ee2ca7a9a459aa92ebd8cb5b38 --- /dev/null +++ b/chunks/txt/5dcaae922f2d1b4cd0c82b09f1da10a0465dc40d2ba3387ede3081f42ef41aa8.txt @@ -0,0 +1,3 @@ +Site ............................................................................................................................................................................................................................................ 283 + +Water Frontage with Private Access ........................................................................................................................................................................................ 284 diff --git a/chunks/txt/5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b.txt b/chunks/txt/5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b.txt new file mode 100644 index 0000000000000000000000000000000000000000..0cabe384aad825eb778e075f0b505ede390a0c01 --- /dev/null +++ b/chunks/txt/5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b.txt @@ -0,0 +1,180 @@ +This field should be indicated if the value of +field 1-188 (Amenity Count) is greater than +zero. + +String + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +Boolean + +A value of 'Y' indicates a fence exists, a value of 'N' indicates the box is not +checked. + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the fence. If there is no fence indicate +'None' + +This field should be populated if the value +indicated in field 1-190 (Amenity Detailed +Description) is not equal to 'None' + +Boolean + +A value of 'Y' indicates a porch exists, a value of 'N' indicates the box is not +checked. + +This field should be populated if the value +indicated in field 1-192 is not equal to 'None' + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the porch. If no porch indicate +'None'. + +Boolean + +A value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box +is not checked. + +This field should have a value of 'Y' if the +value indicated in field 1-194 (Amenity Type +Other Description) is not equal to 'None' + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 45 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description diff --git a/chunks/txt/5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128.txt b/chunks/txt/5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128.txt new file mode 100644 index 0000000000000000000000000000000000000000..46e1a0271ef9c264b1fc91cc6d512ff34f00e467 --- /dev/null +++ b/chunks/txt/5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128.txt @@ -0,0 +1,81 @@ +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +8 +44 +$550,000 +$875,000 +$1,450,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Price Trend Source + +32 +$535,000 +$850,000 +$1,350,000 +No +Blank Gazette + +Price Trend Analysis Commentary The subject is located in a suburban area where there has not been a robust sales market for new +construction within a golf community. To develop a reasonable price trend there was a need to go back 12 months to review enough activity +to develop a market trend. The inventory remains low to moderate, and homes are selling in less than 60 days on average. + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time + +Under 3 Months + +The subject is located in a golf course community so comparable selection focused on properties with similar influences. The subject is +considered a site condominium, which means the dwelling is maintained by the owner, the land is not owned in common, but the legal +description has an undivided interest. These property types are somewhat unique so finding sales with the same ownership rights is more +limited. There is no measurable impact to marketability within this area. + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Yes No +  + +  +  + +Project Name +Project Information Data Source Assessor Record + +Grammy Gold + +Project Completeness + +Are units, common areas, and amenities in project +complete? +Converted in Past 3 Years diff --git a/chunks/txt/5dfde8e6ae4de9b9c3621d67d0d9d9620c0a1d0eed50109933c0efb3408ca14a.txt b/chunks/txt/5dfde8e6ae4de9b9c3621d67d0d9d9620c0a1d0eed50109933c0efb3408ca14a.txt new file mode 100644 index 0000000000000000000000000000000000000000..06aca6ec39e3b1d996f1c680e5e70cdf4750a3c0 --- /dev/null +++ b/chunks/txt/5dfde8e6ae4de9b9c3621d67d0d9d9620c0a1d0eed50109933c0efb3408ca14a.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/20006","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUFFyxSAIvJDGIzmoxNpgSIUkLz19TfLa6Uyn7Q8Cu6ywAVWxeXwsLJj8WKiX4jLO2IBMIHg_XCg8wCs8TOSGLnJdeMZZZRhfRrB2ZO5Dv4ALZLRalPAmpLYuQENRrJaKqMGHUpmnT-BZmnPaBeI4-cpNc5fx2mAWAi08y03ACoWsrEFiK8sJ3P1MHKADenSxfPV8LRLdtdT5ga2YCtge1BAcvKpPncAbtsP1CyKTeVtLnBSCuK_MyCF9dRdA0KyyJ_Fn6sYGFXduk9kK7uKueJv2vVE5rd2JHcPIrbrnOyBh7Z4NCbXfI4PA9j9JOec_tCqKdNN-4Gf4AKffwmM","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/mortgage-translations\/search":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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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', trigg diff --git a/chunks/txt/5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc.txt b/chunks/txt/5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b20338ffd74c88c357e011f43bc528fbe6b397f --- /dev/null +++ b/chunks/txt/5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc.txt @@ -0,0 +1,89 @@ +154 + +155 + +156 + +157 + +IMPROVEMENTS + +IMPROVEMENTS + +IMPROVEMENTS + +IMPROVEMENTS + +Exterior Description +Exterior Walls +Exterior Description +Roof Surface +Exterior Description +Gutters and Downspouts +Exterior Description +Window Type + +158 + +IMPROVEMENTS + +159 + +IMPROVEMENTS + +160 + +IMPROVEMENTS + +Heating +FWA + +Heating +HWBB + +Heating +Radiant + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_A +NALYSIS/STRUCTURE_ANALYSIS_EXTENSION/STRUCTURE_ANA +LYSIS_EXTENSION_SECTION[@ExtensionSectionOrganizationName=' +UNIFORM APPRAISAL +DATASET']/STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA +/EFFECTIVE_AGE/@GSEEffectiveAgeDescription +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[ +@_Type='Slab']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[ +@_Type='Crawlspace']/@_ExistsIndicator + +Indicates that there is a foundation. + +Indicates that there is a foundation. + +Indicates that there is a foundation. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[ +@_Type='Basement']/@_ExistsIndicator + +Indicates that the basement is finished. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[FOUNDATION[ +@_Type='Basement']]/BASEMENT[@_FinishedIndicator='Y'] + +Indicates that there is a foundation. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[ +@_Type='PartialBasement']/@_ExistsIndicator + +Indicates that the basement is finished. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[FOUNDATION[ +@_Type='PartialBasement']]/BASEMENT[@_FinishedIndicator='Y'] + +A free-form text field used to describe the +exterior feature. +A free-form text field used to describe the +exterior feature. +A free-form text field used to describe the +exterior feature. +A free-form text field used to describe the +exterior feature. diff --git a/chunks/txt/5e1e358e452905a4eb3158ddf55457db895742d35332165729a3cac4ea1274c9.txt b/chunks/txt/5e1e358e452905a4eb3158ddf55457db895742d35332165729a3cac4ea1274c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a318a0c53e6876e3249b35438b167466835e7ed --- /dev/null +++ b/chunks/txt/5e1e358e452905a4eb3158ddf55457db895742d35332165729a3cac4ea1274c9.txt @@ -0,0 +1,105 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='Refrigerator']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='RangeOven']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='Dishwasher']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='Disposal']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='Microwave']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='WasherDryer']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='Other']@_ExistsIndicator + +201 + +IMPROVEMENTS + +Finished Area Above Grade +Contains +Rooms + +Total Room Count + +Specifies the total number of livable +rooms. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalRoomCou +nt + +202 + +IMPROVEMENTS + +Finished Area Above Grade +Contains +Bedrooms + +Total Bedroom +Count + +Specifies the total number of bedrooms. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBedroom +Count + +210 + +1 + +203 + +IMPROVEMENTS + +Finished Area Above Grade +Contains +Bath(s) + +Total Bathroom +Count + +Specifies the total number of bathrooms. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBathroom +Count + +8 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +Enumerated + +Boolean + +A value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box was +not checked. + +Boolean + +A value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box was +not checked. + +Boolean + +A value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box was +not checked. diff --git a/chunks/txt/5e26c741aef19112c337f784f21234ff38ce9a4b6a23f8bcae3c6344de5adf0d.txt b/chunks/txt/5e26c741aef19112c337f784f21234ff38ce9a4b6a23f8bcae3c6344de5adf0d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7d1bfc8c06708479f331d9c2b732bf53ee9c015 --- /dev/null +++ b/chunks/txt/5e26c741aef19112c337f784f21234ff38ce9a4b6a23f8bcae3c6344de5adf0d.txt @@ -0,0 +1,129 @@ +CR + +CR + +CR + +R + +R + +R + +CR + +CR + +CR + +R + +R + +R + +CR + +CR + +CR + +String + +This is a free text field which should describe any porch, patio, or deck. + +T + +T + +T + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-107 and fields +(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3- +72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84, +3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3- +99, 3-101, 3-103, 3-105, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 120 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +If field 3-44 is populated, then this field +should be populated. + +T + +T + +T + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-109 and fields +(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3- +72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84, +3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3- +99, 3-101, 3-103, 3-105, 3-107, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e.txt b/chunks/txt/5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..110b643a3a3a3dede027bdcc363dc159f3dd63fc --- /dev/null +++ b/chunks/txt/5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/27411","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805.txt b/chunks/txt/5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a1c666180febb451fe0e7c9cdb521ebae441398 --- /dev/null +++ b/chunks/txt/5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805.txt @@ -0,0 +1,26 @@ +##### Release Notes + +- [UCDP Change Notification | April 9, 2020](/media/document/pdf/ucdp-change-notification-april-9-2020) + - [UCDP Change Notification | August 20, 2020](/media/document/pdf/ucdp-change-notification-august-20-2019) + - [UCDP Change Notification | July 14, 2018](/media/document/pdf/ucdp-change-notification-july-14-2018) + +Uniform Loan Delivery Dataset (ULDD) + +##### Data Standards File Formats Specification + +- [ULDD Specification (Excel)](/media/document/xlsx/uldd-specification-appendix-d) + +##### Data Standards Supporting Resources + +- [MISMO V. 3.0 and ULDD Specification (ULDDS) User Guide](/media/document/pdf/mismo-v-30-and-uldd-specification-uldds-user-guide) +- [MISMO V. 3.0 Reference Model with GSE Extensions (.zip)](/media/document/zip/mismo-v-30-reference-model-gse-extensions-zip-appendix-e) +- [ULDD Implementation Guide](/media/document/pdf/uldd-implementation-guide) +- [Standard ARM Plan Matrix](/media/document/pdf/standard-arm-plan-matrix) +- [Special Feature Codes](/media/document/pdf/special-feature-codes) +- [Wire Instruction Reference Identifier Guide (TSPs)](/media/document/pdf/wire-instruction-reference-identifier-guide-tsps) + +##### Integration Impact Memos + +- [ULDD Integration Impact Memo | Nov. 18, 2024](/media/document/pdf/uldd-integration-impact-memo-nov-18-2024) + - [ULDD Integration Impact Memo | Jan. 31, 2024](/media/document/pdf/uldd-integration-impact-memo-jan-31-2024) + - [ULDD Integration Impact Memo | Dec. 15, 2023](/media/document/pdf/uldd-integration-impact-memo-dec-15-2023) diff --git a/chunks/txt/5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540.txt b/chunks/txt/5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540.txt new file mode 100644 index 0000000000000000000000000000000000000000..64d710b04f6eeea40977670e2c634112e5f0d3d2 --- /dev/null +++ b/chunks/txt/5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540.txt @@ -0,0 +1,112 @@ +• + +Appendix F-1: URAR Reference Guide + +Page 326 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Examples: Client Requested Conditions + +Example 1: + +Example 2: + +Appendix F-1: URAR Reference Guide + +Page 327 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Information for each Client-Requested Condition + +Enter a row and define each client-requested condition or restriction. + +Reconciliation: Client Requested Conditions + +Report +Field ID + +Report Label + +When to Include + +26.014 Value Condition Required for each + +client-requested +condition + +26.015 Marketing or + +Exposure Time + +Required for each +client-requested +condition + +26.016 Duration + +26.017 Alternate + +Opinion of Value + +Required for each +client-requested +condition + +Required for each +client-requested +condition + +Allowable +Answers / Format + +Choose one or +more allowable +answers from +table (Value +Condition) + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Number of days or +range of days + +Definition / Additional Guidance + +• +• +• +• + +As Is +Subject to Completion Per Plans +Subject to Inspection +Subject to Repair + +Either the marketing or exposure time supporting the Alternate Opinion of +Value and Value Condition for the indicated client-requested condition. +• + +Client-Imposed Restricted Marketing Time (marketing time provided by +client). Example: 0-30 days, also referred to as a “quick sale”. +Reasonable Exposure Time (appraiser-defined). + +• +Note: If the client has requested both a marketing and exposure time, enter +each of them on separate rows. + +The total number of days indicated. diff --git a/chunks/txt/5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728.txt b/chunks/txt/5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728.txt new file mode 100644 index 0000000000000000000000000000000000000000..d50eca0c839bac0104959c48dc1b828fadf188c3 --- /dev/null +++ b/chunks/txt/5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728.txt @@ -0,0 +1,23 @@ +[View More](/data/dashboard/dts/high-needs-counties-map/2025) + +- ## Duty to Serve Multifamily Dashboard + +The Duty to Serve Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans and investments that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets. + +[View More](/data/dashboard/dts/multifamily/2024) + +- ## Enterprise Multifamily Public Use Database (MF PUDB) Aggregate Statistics Dashboard + +Interactive data visualization tools for displaying the data published in the MF PUDB. The Aggregate Statistics in the Dashboard are created from the three Multifamily PUDB datasets. Users can interactively create, analyze, and export custom charts and data tables. The Dashboard provides users a way to generate statistics derived from the MF PUDB files without the need to download PUDB data files and import them into statistical software for further analysis. + +[View More](/data/dashboard/enterprise-multifamily-public-use-database) + +- ## Enterprise Single-Family Public Use Database Dashboard + +The Enterprise Single-Family Public Use Database (PUDB) Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data from single-family mortgages that Fannie Mae and Freddie Mac acquire. + +[View More](/data/dashboard/enterprise-single-family-public-use-database) + +- ## FHFA HPI® County Map + +A map displaying annual house price appreciation rates at the county level. Based on a developmental all-transactions index. Indexes are constructed on a yearly basis to provide data for very small geographic areas. Minor adjustments were made to produce more localized measures. diff --git a/chunks/txt/5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373.txt b/chunks/txt/5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373.txt new file mode 100644 index 0000000000000000000000000000000000000000..1528e69111c61e3ce7765562539b107a32e49b0c --- /dev/null +++ b/chunks/txt/5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373.txt @@ -0,0 +1,33 @@ +In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA technical report documents the statistical forecast models that... + - Staff Working Papers + +May 24, 2024 + +## [Working Paper 24-05: Tracking Our Footprint: CO2 Emissions from US Single-Family Homes](/research/papers/wp2405) + +We estimate residential energy use and CO2 emissions for single-family homes using administrative data from approximately 45 million property appraisals, or 1.8 billion property-month observations. First, we find that from 2013 to 2021, CO2 emissions decreased by 8.8 percent in aggregate while... + - Staff Working Papers + +May 15, 2024 + +## [Working Paper 24-04: Measuring Price Effects from Disasters Using Public Data: A Case Study of Hurricane Ian](/research/papers/wp2404) + +Natural disasters can disrupt housing markets, causing destruction to communities and distress to economic activity. To estimate the effects of disasters on home prices, publicly-available data on property damages are often used to classify “treated” properties. However, by design these data lack... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [6](?page=5) + - [7](?page=6) + - [8](?page=7) + - [9](?page=8) + - … + - [Next](?page=1) + - [Last](?page=15) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d.txt b/chunks/txt/5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d.txt new file mode 100644 index 0000000000000000000000000000000000000000..082cb75cfb1a6f2bc1803707a26604e02f1c5adf --- /dev/null +++ b/chunks/txt/5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d.txt @@ -0,0 +1,120 @@ +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 22 of 30 +Page 22 of 30 + +Sales Comparison Approach (continued) + +PG BRK + +Sales Comparison Map + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 23 of 30 +Page 23 of 30 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +This is where the Comparable 3 photo would display. + +Cost Approach + +Indicated Value by Cost Approach + +Depreciated Cost of Dwellings +Depreciated Cost of Outbuildings +As Is Value of Site Improvements +Opinion of Site Value + +$459,500 + +$154,500 +$23,500 +$31,500 +$250,000 + +Depreciated Cost - Dwelling + +Above Grade Finished Area + +1,568 Sq. Ft. @ $95.66 + +Total Depreciation + +Manufactured Home Delivery, +Installation, and Setup + +Remaining Economic Life +Effective Age + +45 years +0 + +$150,000 + +$0 + +$4,500 + +Total + +$154,500 + +Commentary on Effective Age Subject property dwelling is a new manufactured home. + +Depreciated Cost - Outbuilding - Barn + +Unfinished Area + +Total Depreciation + +800 Sq. Ft. @ $18.75 + +Depreciated Cost - Outbuilding - Rec Room/Garage + +Garage + +Finished Area + +Total Depreciation + +700 Sq. Ft. @ $22.22 + +200 Sq. Ft. @ $47.23 + +$15,000 + +$(9,000) + +$6,000 + +$15,554 + +$9,446 + +$(7,500) + +$17,500 + +Total + +Total + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5.txt b/chunks/txt/5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e81217ef081107b64499b09adf4ab64283cfa02 --- /dev/null +++ b/chunks/txt/5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5.txt @@ -0,0 +1,140 @@ +This is where the photo +of 123 Something Pl +would display. + +This is where the +photo of 341 Nothing +Dr would display. + +Data Source + +Proximity to Subject + +Units Excluding ADUs + +Sale Price + +Sale Date + +Gross Monthly Rent + +Gross Rent Multiplier + +Comparable Weight + +4 + +$10,150 + +MLS XY-324811 + +3 Miles N + +4 + +$850,000 + +03/30/2023 + +$10,800 + +79 + +Less + +MLS XY-123994 + +4.5 Miles S + +MLS XY-238849 + +3.5 Miles E + +4 + +$750,000 + +12/20/2022 + +$10,000 + +75 + +Less + +4 + +$780,000 + +02/15/2023 + +$10,400 + +75 + +Most + +Indicated Value by Income Approach + +Total Monthly Market Rent +$10,400 + +× + +Gross Rent Multiplier +75 + += + +Indicated Value by Income Approach +$780,000 + +this must appear + +Income Approach Commentary + +The appraiser’s analysis of comparable sales of rental properties shows a range for the gross rent multiplier of 75 to 79. This is considered +reliable and provides support for the value estimate. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 23 of 26 +Page 23 of 26 + +Income Approach (continued) + +Income Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the photo of 181 Cattledrive St would display. + +This is where the photo of 123 Something Pl would display. + +Comparable #3 + +This is where the photo of 341 Nothing Dr would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Sales Comparison Approach +$785,000 + +Income Approach +$780,000 + +Cost Approach + +Not Necessary for Credible Results + +Appraisal Summary diff --git a/chunks/txt/5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177.txt b/chunks/txt/5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177.txt new file mode 100644 index 0000000000000000000000000000000000000000..9538f521970aa9f404eefb9e4d899c94ef66c962 --- /dev/null +++ b/chunks/txt/5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177.txt @@ -0,0 +1 @@ +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/241&order=field_release_date&sort=asc) Report Attachment September 12, 2025 [Enterprise Non-Performing Loan Sales Report - December 2024](/reports/enterprise-non-performing-loan-sales-report/2024-12) [Read Report](/document/enterprise-non-performing-loan-sales-report-december-2024) December 17, 2024 [Enterprise Non-Performing Loan Sales Report - June 2024](/reports/enterprise-non-performing-loan-sales-report/2024-06) [Read Report](/document/enterprise-non-performing-loan-sales-report-june-2024) June 18, 2024 [Enterprise Non-Performing Loan Sales Report - December 2023](/reports/enterprise-non-performing-loan-sales-report/2023-12) [Read Report](/document/enterprise-non-performing-loan-sales-report-december-2023) February 01, 2024 [Enterprise Non-Performing Loan Sales Report - June 2023](/reports/enterprise-non-performing-loan-sales-report/2023-06) [Read Report](/document/enterprise-non-performing-loan-sales-report-june-2023) October 10, 2023 [Enterprise Non-Performing Loan Sales Report - December 2022](/reports/enterprise-non-performing-loan-sales-report/2022-12) [Read Report](/document/enterprise-npl-sales-report-december-2022) December 21, 2022 [Enterprise Non-Performing Loan Sales - June 2022](/reports/enterprise-non-performing-loan-sales-report/2022-06) [Read Report](/document/enterprise-npl-sales-report-june-2022) July 11, 2022 [Enterprise Non-Performing Loan Sales Report - December 2021](/reports/enterprise-non-performing-loan-sales-report/2021-12) [Read Report](/document/enterprise-npl-sales-report-december-2021) November 22, 2021 [Enterprise Non-Performing Loan Sales - June 2021](/reports/enterprise-non-performing-loan-sales-report/2021-06) [Read Report](/document/enterprise-npl-sales-report-june-2021) May 27, 2021 [Enterprise Non-Performing Loan Sales Report - December 2020](/reports/enterprise-non-performing-loan-sales-report/2020-12) [Read Report](/document/enterprise-npl-sales-report-december-2020) December 15, 2020 [Enterprise Non-Performing Loan Sales - June 2020](/reports/enterprise-non-performing-loan-sales-report/2020-06) [Read Report](/document/enterprise-npl-sales-report-june-2020) June 01, 2020 [Enterprise Non-Performing Loan Sales Report - December 2019](/reports/enterprise-non-performing-loan-sales-report/2019-12) [Read Report](/document/enterprise-npl-sales-report-december-2019) December 02, 2019 [Enterprise Non-Performing Loan Sales Report - June 2019](/reports/enterprise-non-performing-loan-sales-report/2019-06) [Read Report](/document/enterprise-npl-sales-report-june-2019) June 17, 2019 [Enterprise Non-Performing Loan Sales Report - December 2018](/reports/enterprise-non-performing-loan-sales-report/2018-12) [Read Report](/document/enterprise-npl-sales-report-december-2018) December 04, 2018 [Enterprise Non-Performing Loan Sales Report - June 2018](/reports/enterprise-non-performing-loan-sales-report/2018-06) [Read Report](/document/enterprise-npl-sales-report-june-2018) June 13, 2018 [Enterprise Non-Performing Loan Sales Report - December 2017](/reports/enterprise-non-performing-loan-sales-report/2017-12) [Read Report](/document/enterprise-npl-loan-sales-report-december-2017) December 05, 2017 [Enterprise Non-Performing Loan Sales Report - June 2017](/reports/enterprise-non-performing-loan-sales-report/2017-06) [Read Report](/document/enterprise-npl-sales-report-june-2017) June 01, 2017 [Enterprise Non-Performing Loan Sales Report - December 2016](/reports/enterprise-non-performing-loan-sales-report/2016-12) [Read Report](/document/enterprise-npl-sales-report-december-2016) November 16, 2016 [Enterprise Non-Performing Loan Sales Report - August 2016](/reports/enterprise-non-performing-loan-sales-report/2016-08) [Read Report](/document/enterprise-npl-sales-report-august-2016) June 30, 2016 [Enterprise Non-Performing Loan Sales Report - May 2016](/reports/enterprise-non-performing-loan-sales-report/2016-05) [Read Repor diff --git a/chunks/txt/5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe.txt b/chunks/txt/5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..f10b7592d72af3a66f1f0955bc0751f37b3427b3 --- /dev/null +++ b/chunks/txt/5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe.txt @@ -0,0 +1,7 @@ +Page 4 + +Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 19 + +04 New Observed Items for Repair ................................................................................................................................................................................. 21 + +Overview ................................................................................................................................................................................................................................... 21 diff --git a/chunks/txt/5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941.txt b/chunks/txt/5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941.txt new file mode 100644 index 0000000000000000000000000000000000000000..2d67c323ab5e77b5a35d5a49ed422f1603e7aa70 --- /dev/null +++ b/chunks/txt/5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941.txt @@ -0,0 +1,55 @@ +Represents a collection of DEAL containers that may or may not be +related. A delivery file may contain several DEAL_SET containers, +one per combination of pool/pool suffix of loans. Only one +DEAL_SET container should be provided for Cash deliveries. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 13 of 22 + +Container Name + +Container Description + +DEAL + +COLLATERAL + +Represents a single loan delivery. Contains multiple instances of +LOAN containers that together provide all data points needed to +define the delivered loan and any supporting information from +associated related loans. + +Contains the PROPERTY container that captures information about +the property that secures the delivered loan. There is only one +COLLATERAL container used per delivered loan. + +PROPERTY + +Captures information about the property that secures the delivered +loan. There is only one PROPERTY container per delivered loan. + +ASSET + +POOL + +PARTY + +Fannie Mae does not support the ASSET container. If provided in +the loan delivery XML file, the ASSET container will be ignored. + +Only required for MBS submissions and captures information about +pooling of loans for securitization. + +Captures specific information about each person or entity that plays +a role in the loan origination and delivery process. Because there are +many roles in this process, there will be multiple PARTY containers +within a DEAL. Every loan delivery (DEAL container) will have a +separate PARTY container for each party, such as: Borrower, +Appraiser, Appraiser Supervisor, Loan Originator, and Loan +Origination Company. The PARTY container will also be repeated +for multiple borrowers. The PARTY container also appears under the +DEAL_SETS and DEAL_SET containers to capture additional party +information. Refer +to Appendix A: Fannie Mae XML Data +Requirements for a complete list of supported PARTIES. diff --git a/chunks/txt/5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13.txt b/chunks/txt/5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3952553fc5d5f423bfb0f00a6b129c170758c40 --- /dev/null +++ b/chunks/txt/5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13.txt @@ -0,0 +1,53 @@ +Outbuilding is the only subsection that has an adjustment at the row sub-header level for each instance of Outbuilding Type. (Figure 22 - 5) + +• When an AdditionalComparisonLineItemIdentifier is provided, ComparableAdjustmentType (UID: 1800.0318, FID: Not on report) must + +be delivered as SalesComparableAdditionalNonAdjustableComparisonItem for each additional row within Outbuilding. + +There are 11 defined rows in this subsection. + +➢ No rows are required (Always) +➢ +➢ +➢ + +1 row is conditionally required (If Applicable) +10 rows may be provided (If Relevant) +Additional rows may be provided + +Appendix B-1: URAR Implementation Guide v1.3 + +Summary + +The Summary subsection always displays in the Sales Comparison Approach section. + +Summary is the last subsection in the sales comparison grid and has no adjustments. + +There are 10 defined rows in this subsection. + +➢ +➢ +➢ + +5 rows are required (Always) +4 rows are conditionally required (If Applicable) +1 row may be provided (If Relevant) + +Figure 22 - 19 + +Page 293 + +Indicated Value by Sales Comparison Approach + +The Indicated Value by Sales Comparison Approach sub-header always displays in the Summary subsection. + +Indicated Value - ValueIndicatedBySalesComparisonAmount (UID: 1300.0006, FID: 22.15.15) always displays when +SalesComparisonApproachIndicator = "true". + +Appendix B-1: URAR Implementation Guide v1.3 + +Reconciliation of Sales Comparison Approach + +The Reconciliation of the Sales Comparison Approach subsection always displays when SalesComparisonApproachIndicator = "true". + +− SalesComparisonCommentDescription (UID: 1800.0278, FID: 22.16.01) diff --git a/chunks/txt/5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7.txt b/chunks/txt/5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9056f55bd25e7088666d05d451a11d26d59a6ac --- /dev/null +++ b/chunks/txt/5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7.txt @@ -0,0 +1,120 @@ +Listing Status + +Property Description + +Construction Method +Attachment Type + +Jennifer Jones +None + +Manufactured +Detached + +Overall Quality +Overall Condition + +Q4 +C1 + +Yes No +  +  +  +  +  + +Yes No +  + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Land Use +Property Restriction +No Zoning +Zoning Compliance +HUD Data Plate Attached +Yes +HUD Label Present for All Sections Yes + +This is where the Subject Property photo would display. + +Apparent Defects, Damages, Deficiencies Requiring Action + +There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 2 of 30 +Page 2 of 30 + +page break + +before + +Assignment Information + +Assignment Reason +Borrower Name + +Refinance +Harry James +Jennifer James + +Current Owner of Public Record Harry James + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Yes No +  + +Jennifer Jones + +Appraiser Fee + +$0 + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +XYZ Lending Inc. +239 Spooky St +Anytown, VA 20141 + +Annie Appraiser +Overall Appraisal Services +123 Diagonal St +Anytown, VA 20141 diff --git a/chunks/txt/5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9.txt b/chunks/txt/5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b6513f1f0504cef3dfd20830ae87fb8f7146d73 --- /dev/null +++ b/chunks/txt/5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Mortgage Translations](/mortgage-translations) + - Language Translation Disclosure + +# Language Translation Disclosure + +FHFA, Fannie Mae, and Freddie Mac have created a Language Translation Disclosure for borrowers about language-related services for mortgage transactions. The Disclosure states that the loan transaction is likely to be conducted in English and that not all communications related to a mortgage transaction will be in the borrower's preferred language. It refers borrowers to the multi-lingual housing counseling services that may be available from HUD-approved housing counseling agencies. diff --git a/chunks/txt/5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631.txt b/chunks/txt/5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ab5b7b38ad72077893f1884eee06549ca1ad0df --- /dev/null +++ b/chunks/txt/5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631.txt @@ -0,0 +1,5 @@ +Units Used in Style Guide .................................................................................................................................... 13 + +Terminology Used in Style Guide ........................................................................................................................ 13 + +Page Size ............................................................................................................................................................. 15 diff --git a/chunks/txt/5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f.txt b/chunks/txt/5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f.txt new file mode 100644 index 0000000000000000000000000000000000000000..120a3b1a02d9ef681ac9ba4316e24992b7a81b38 --- /dev/null +++ b/chunks/txt/5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f.txt @@ -0,0 +1,95 @@ +Seller Is Owner +Indicator + +Indicates that the seller is the owner of the +property. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne +rIndicator=‘N’] + +CONTRACT + +Contract +Data Source(s) + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@DataSourceD +escription + +CONTRACT + +51 + +CONTRACT + +Is there any financial assistance +(loan charges, sales concessions, +gift or downpayment assistance, +etc.) to be paid by any party on +behalf of the borrower? Yes + +Is there any financial assistance +(loan charges, sales concessions, +gift or downpayment assistance, +etc.) to be paid by any party on +behalf of the borrower? No + +Sales Concession +Indicator + +Indicates that someone made concessions +for the current sales contract. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess +ionIndicator=‘Y’] + +Sales Concession +Indicator + +Indicates that someone made concessions +for the current sales contract. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess +ionIndicator=‘N’] + +1 + +25 + +1 + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +String + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and +only one of fields 1-47, 1-48 must be +indicated. + +This field should be populated if field 1- +33 (Appraisal Purpose Type = +'Purchase') is indicated. + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and +only one of fields 1-50, 1-51 (values of +Sales Concession Indicator) must be +indicated. diff --git a/chunks/txt/5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4.txt b/chunks/txt/5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4.txt new file mode 100644 index 0000000000000000000000000000000000000000..7d76684671b9e04057ad6a82c8959c58141457aa --- /dev/null +++ b/chunks/txt/5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4.txt @@ -0,0 +1,158 @@ +One and only one of fields 1-173, 1-174 +(values of Project Developer Controls +Project Management Indicator) must be +indicated. +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 140 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +183 + +184 + +185 + +186 + +187 + +1 + +1 + +1 + +1 + +1 + +176 + +177 + +PROJECT +INFORMATION + +Management Group +Developer + +Project Management +Type + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Dev +eloper'] + +PROJECT +INFORMATION + +Management Group +Management Agent + +Project Management +Type + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ma +nagementAgent'] + +175, 176 + +PROJECT +INFORMATION + +Management Group +Homeowners' Association and +Developer + +Project Management +Type Other +Description + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth +er' and +@_ManagementTypeOtherDescription='HomeownersAssociationAndDeveloper'] + +175, 177 + +PROJECT +INFORMATION + +Management Group +Homeowners' Association and +Management Agent + +Project Management +Type Other +Description diff --git a/chunks/txt/5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863.txt b/chunks/txt/5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863.txt new file mode 100644 index 0000000000000000000000000000000000000000..b857f70ca0541b4d16a22259de0e08f6ec7fd80e --- /dev/null +++ b/chunks/txt/5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863.txt @@ -0,0 +1,115 @@ +Above Grade Room +Count Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. + +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. + +330 + +2 + +75 + +331 + +2 + +76 + +332 + +2 + +77 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Above Grade Room +Count Total Rooms + +Total Room Count + +Specifies the total number of livable +rooms. + +Above Grade Room +Count Bdrms. + +Total Bedroom Count + +Specifies the total number of +bedrooms. + +Above Grade Room +Count Baths + +Total Bathroom +Count + +Specifies the total number of +bathrooms. + +333 + +2 + +78 + +SALES +COMPARISON +APPROACH + +Above Grade Room +Count Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DETAIL_EXTENSION/CO +MPARISON_DETAIL_EXTENSION_SECTIO +N[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEOverallConditionType + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Con +dition']/@_Amount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Oth +er' and +@_TypeOtherDescription='RoomAboveGradeLi +ne1']/@_Amount diff --git a/chunks/txt/5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529.txt b/chunks/txt/5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529.txt new file mode 100644 index 0000000000000000000000000000000000000000..49914b24b17dea3f1c2408504db2b0cb9b82d497 --- /dev/null +++ b/chunks/txt/5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529.txt @@ -0,0 +1,66 @@ +Alliance Agreement. + +Parties: American President Lines, +LLC; APL Co. Pte. Ltd.; CMA CGM S.A.; +COSCO SHIPPING Lines Co., Ltd.; +Evergreen Line Joint Service Agreement; +OOCL (Europe) Limited, and Orient +Overseas Container Line Limited. + +Filing Party: Robert Magovern; Cozen + +O’Connor. + +Synopsis: The Amendment adds + +Bahrain, Iraq, and Oman to the +geographic scope of the Agreement. + +Proposed Effective Date: 7/11/2020. +Location: https://www2.fmc.gov/ + +FMC.Agreements.Web/Public/ +AgreementHistory/1214. + +Dated: May 29, 2020. + +Rachel Dickon, +Secretary. +[FR Doc. 2020–11940 Filed 6–2–20; 8:45 am] + +BILLING CODE 6730–02–P + +FEDERAL RESERVE SYSTEM + +Notice of Proposals To Engage in or +To Acquire Companies Engaged in +Permissible Nonbanking Activities + +The companies listed in this notice +have given notice under section 4 of the +Bank Holding Company Act (12 U.S.C. +1843) (BHC Act) and Regulation Y, (12 +CFR part 225) to engage de novo, or to +acquire or control voting securities or +assets of a company, including the +companies listed below, that engages +either directly or through a subsidiary or +other company, in a nonbanking activity +that is listed in § 225.28 of Regulation Y +(12 CFR 225.28) or that the Board has +determined by Order to be closely +related to banking and permissible for +bank holding companies. Unless +otherwise noted, these activities will be +conducted throughout the United States. + +Each application is available for + +inspection at the Federal Reserve Bank +as indicated. The application also will +be available for inspection at the offices +of the Board of Governors. Interested +persons may express their views in +writing on the question whether the +proposal complies with the standards of +section 4 of the BHC Act. diff --git a/chunks/txt/5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94.txt b/chunks/txt/5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94.txt new file mode 100644 index 0000000000000000000000000000000000000000..92d9a08166a35334e8c4b38535e641951d60384f --- /dev/null +++ b/chunks/txt/5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94.txt @@ -0,0 +1,89 @@ +Specifies the type of arrangement between +the project and the assigned car storage +for the subject unit. +Specifies the type of arrangement between +the project and the assigned car storage +for the subject unit. +The identification of the parking space or +spaces assigned to the subject unit (e.g., +space numbers). + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[@Pa +rkingSpaceAssignmentType='Assigned'] + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[@Pa +rkingSpaceAssignmentType='Owned'] + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@Pa +rkingSpaceIdentifier + +UNIT +IMPROVEMENTS + +Finished area above grade contains +Rooms + +Total Room Count + +Specifies the total number of livable +rooms. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalRoomCount + +285 + +2 + +83 + +UNIT +IMPROVEMENTS + +Finished area above grade contains +Bedrooms + +Total Bedroom +Count + +Specifies the total number of bedrooms. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBedroomCount + +Boolean + +A value of 'Y' indicates that there is a garage. A value of 'N' indicates the box was not +checked. + +Enumerated + +A separate car storage location element must be populated for each box that is checked. + +Enumerated + +A separate car storage location element must be populated for each box that is checked. + +UAD Requirement - Refer to Appendix D Improvements Section + +Numeric + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +Enumerated + +Enumerated + +String + +Numeric + +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Rooms Only + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Bedrooms Only diff --git a/chunks/txt/5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df.txt b/chunks/txt/5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa080710acae6d152cafb2ba9376d5959775906d --- /dev/null +++ b/chunks/txt/5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df.txt @@ -0,0 +1,5 @@ +Ownership Rights (H1) ........................................................................................................................................ 36 + +Legal Description (H1) ......................................................................................................................................... 37 + +Subject Property Commentary (H1) ................................................................................................................... 37 diff --git a/chunks/txt/5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2.txt b/chunks/txt/5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2.txt new file mode 100644 index 0000000000000000000000000000000000000000..7424d4142fe080e1777b89e2547312fbcf1b4ff0 --- /dev/null +++ b/chunks/txt/5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2.txt @@ -0,0 +1,78 @@ +If Homeowner Responsible for all Exterior Maintenance of Dwellings is No, this subsection does not display. + +Note: Any observed project deficiencies are reported in the Project Information section (18.014) and not here. + +Exterior Quality and Condition Ratings + +Report +Field ID + +8.022 + +Exterior Quality +Rating + +8.023 + +Exterior +Condition Rating + +Dwelling Exterior: Quality and Condition - Exterior Quality and Condition Ratings + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Required if +Homeowner +Responsible for all +Exterior Maintenance +of Dwellings is Yes + +Required if +Homeowner +Responsible for all +Exterior Maintenance +of Dwellings is Yes + +Q1 to Q6 + +Reference Appendix 2: Condition and Quality Rating Definitions for definitions. + +If applicable, Exterior Quality Rating also displays in Overall Quality and +Condition (15.002) and Sales Comparison Approach (22.08.02). + +C1 to C6 + +Reference Appendix 2: Condition and Quality Rating Definitions for definitions. + +If applicable, Exterior Condition Rating also displays in Overall Quality and +Condition (15.007) and Sales Comparison Approach (22.08.09). + +Note: Reflects the condition as if any required repairs, inspections, or +completions have been satisfactorily completed. + +Appendix F-1: URAR Reference Guide + +Page 101 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Exterior Features + +08 Dwelling Exterior + +The Exterior Features table supports the Exterior Quality and Condition ratings, and includes a row for each of +the following: +• Exterior Walls and Trim +• Foundation +• Roof +• Windows +• Other (Describe) (Displays when relevant) diff --git a/chunks/txt/5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7.txt b/chunks/txt/5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2daf5e508e8b5bb8836c24e8e623a003dd4dd73 --- /dev/null +++ b/chunks/txt/5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7.txt @@ -0,0 +1,95 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix B-1: URAR Implementation Guide +Document Version 1.3 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Page 2 + +Revision History + +Date + +Version Change # + +iGuide Chapter + +Revision Description + +2025-002 Report PDF + +2025-018 Report PDF + +Corrected Universal Residential Appraisal Report to Uniform Residential +Appraisal Report + +Added guidance for including Condition and Quality Rating Definitions at the +end of the report + +2025-049 + +Key Concepts + +Clarified Appraisal Report PDF Requirements + +2025-024 + +01 Summary + +Updated text in Figure 1 – 4 + +2025-058 + +03 Subject Property + +Clarified display rule for the Ownership Rights subsection and +CommunityLandTrustIndicator (UID: 1500.0031, FID: 3.020) + +06/10/2025 + +1.3 + +2025-015 + +04 Site + +2025-033 + +04 Site + +Clarified display rule for DistanceFromPropertyLinearMeasure (UID: +1500.0015, FID: 4.026) + +Clarified display when Other utility is non-public and is shared +UtilitySharedIndicator (UID: 1500.0103, FID: 4.096) + +2025-002 + +08 Dwelling Exterior + +Corrected FID for HeatingFuelType to 12.015 + +2025-024 + +08 Dwelling Exterior + +Updated Figure 8 - 6 + +2025-022 + +10 Unit Interior + +Corrected display rules to include CeilingStyleType (UID: 0700.0108; FID: +10.045) + +2025-002 + +12 Outbuilding + +Corrected UID/FID for ImageCategoryType (UID: 1400.0640, FID: 12.007.1) +and ImageCaptionCommentDescription (UID: 1400.0638, FID: 12.007.2) in +OutbuildingExhibit diff --git a/chunks/txt/5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc.txt b/chunks/txt/5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..cdf4d22dcac9659ec25099b8587f91de0951ffb2 --- /dev/null +++ b/chunks/txt/5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc.txt @@ -0,0 +1,100 @@ +- 103 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 72. XML Snippet - FEE_SMMARY AND FORECLOSURES + +false + + + + + + +… + + +UCD v2.0 Implementation Guide + +- 104 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +O. HIGH-COST AND QM DATA + +The Home Ownership and Equity Protection Act (HOEPA) was enacted in 1994 as an amendment to TILA to address abusive +practices in refinances and closed-end home equity loans with high interest rates or high fees. None of the High-Cost or QM +data points in UCD v2.0 are rendered on the CD. + +Table 48. XML File Container Structure for High-Cost and QM Data. + +UCD UIDs Containers + +UCD Usage Notes + +999.228 + +HIGH_COST_MORTGAGES + +Groups one or more sets of high-cost mortgage data points. + +999.229 + +HIGH_COST_MORTGAGE + +Holds data points providing details about high-cost +mortgages and calculations. + +… + +999.237 + +LOAN_PRODUCT + +Holds containers describing loan product information. + +999.238 + +LOAN_PRICE_QUOTES + +Groups one or more sets of loan pricing information. + +999.239 + +LOAN_PRICE_QUOTE + +Only one instance is required when applicable. + +999.240 + +LOAN_PRICE_QUOTE_DETAIL + +Holds LoanPriceQuoteInterestRatePercent. + +… + +999.255 QUALIFIED_MORTGAGE + +Holds containers categorizing QM information. + +999.256 | +999.257 + +EXEMPTIONS/EXEMPTION + +Groups one or more sets of QM exemption data points. + +999.258 QUALIFIED_MORTGAGE_DETAIL Holds data points with QM parameters. + +999.721 | +999.722 + +EXTENSION/OTHER diff --git a/chunks/txt/5f5a3895b53a272c73754e30d693f9645b13f537351e8a85018a8fdb40b9b863.txt b/chunks/txt/5f5a3895b53a272c73754e30d693f9645b13f537351e8a85018a8fdb40b9b863.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ad7ec92f9c089edd8b696991d7527cc6a282036 --- /dev/null +++ b/chunks/txt/5f5a3895b53a272c73754e30d693f9645b13f537351e8a85018a8fdb40b9b863.txt @@ -0,0 +1,38 @@ +Page 58 + +Unit Interior + +Each defect identified in the living unit (including an ADU) must be linked to the instance of the PROPERTY_UNIT container where the defect +is identified. For example, + +• Defects associated with the living unit in a dwelling must be linked to the PROPERTY_UNIT container in the instance of the + +IMPROVEMENT where ImprovementType= “Dwelling”. + +• Defects associated with an ADU in the outbuilding must be linked to the PROPERTY_UNIT container in the instance of the + +IMPROVEMENT where ImprovementType= “Outbuilding” and the applicable OutbuildingType. + +A DefectComponentLabelType is used for reporting defects associated with the living unit (including an ADU). + +• Flooring +• Walls and Ceiling +• Other (Describe) + +DefectComponentLabelType = “Other” and DefectComponentLabelTypeOtherDescription are used to report defects that are pertaining to +other components/features of the living unit (including an ADU). The DEFECT containers are linked to the appropriate instance of the +PROPERTY_UNIT container. + +For example, a 2- to 4-unit property has two dwellings with 1 living unit in each building. + +• A defect has been identified with “Walls and Ceiling” in the living unit located in Building 1. The DEFECT container that represents + +this defect with “Walls and Ceiling” must be linked to the instance of the PROPERTY_UNIT in Building 1. + +• Another defect has been identified in the Kitchen located in Building 2. The DEFECT container that represents this defect is linked to + +the instance of the PROPERTY_UNIT in Building 2. + +Appendix B-1: URAR Implementation Guide v1.3 + +Outbuilding diff --git a/chunks/txt/5f5a6e9b18147cda1d8f730bf33981949bf03fa60815f0114181bd18c0b59571.txt b/chunks/txt/5f5a6e9b18147cda1d8f730bf33981949bf03fa60815f0114181bd18c0b59571.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fd5717ac83d9a1ba67b27f7c5f08e61be086cad --- /dev/null +++ b/chunks/txt/5f5a6e9b18147cda1d8f730bf33981949bf03fa60815f0114181bd18c0b59571.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/credit-risk-transfer-progress-report" +date_accessed: "2026-01-27T17:48:02.092Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/5f658cbc96ec9ccf144435c27f2263c73a2a1cb63b3c456d72fac7b6f3b3f932.txt b/chunks/txt/5f658cbc96ec9ccf144435c27f2263c73a2a1cb63b3c456d72fac7b6f3b3f932.txt new file mode 100644 index 0000000000000000000000000000000000000000..62f135fa3781f9c79086e9b92f4d91f907132892 --- /dev/null +++ b/chunks/txt/5f658cbc96ec9ccf144435c27f2263c73a2a1cb63b3c456d72fac7b6f3b3f932.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Programs](/programs) + - FHFA's Housing Finance Examiner Commission Program + +Program + +# FHFA's Housing Finance Examiner Commission Program + +FHFA launched the Housing Finance Examiner Commissioning Program in June 2013. + +The main objective of the program is to provide examiners with broad-based knowledge to conduct successful risk-based examinations. diff --git a/chunks/txt/5f6cbdcff01b3d53425d54ccf713037c91cac7c334dfea19007c2b652868ec1f.txt b/chunks/txt/5f6cbdcff01b3d53425d54ccf713037c91cac7c334dfea19007c2b652868ec1f.txt new file mode 100644 index 0000000000000000000000000000000000000000..2fbde41ecdeb309559031324d6e7a60af062fb03 --- /dev/null +++ b/chunks/txt/5f6cbdcff01b3d53425d54ccf713037c91cac7c334dfea19007c2b652868ec1f.txt @@ -0,0 +1,5 @@ +Significant Real Property Appraisal Assistance .......................................................................................................................................................................... 98 + +Property Data Report ............................................................................................................................................................................................................... 100 + +Assignment Information and Scope of Work Commentary ..................................................................................................................................................... 102 diff --git a/chunks/txt/5f73bb68d8f5a4072ec29c11f066ae67e177232a086321259c8187a828be71f4.txt b/chunks/txt/5f73bb68d8f5a4072ec29c11f066ae67e177232a086321259c8187a828be71f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..a88a4eb4f249109f9fb259fe4a96cc0e42ef9d3b --- /dev/null +++ b/chunks/txt/5f73bb68d8f5a4072ec29c11f066ae67e177232a086321259c8187a828be71f4.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/871","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425.txt b/chunks/txt/5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c3180976ba0a8217ff33970265cbe63a751d90c --- /dev/null +++ b/chunks/txt/5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425.txt @@ -0,0 +1,87 @@ +Total Monthly Market Rent +$1,800 + +× + +Gross Rent Multiplier +110 + += + +Indicated Value by Income Approach +$198,000 + +this must appear + +Income Approach Commentary + +The appraiser’s analysis of comparable sales of rental properties shows a range for the gross rent multiplier of 107 to 115. Comparable #3 +is most similar in size and utility and is given most weight. The income approach is considered reliable and provides support for the value +estimate. Comparable #1’s gross monthly rent estimated due to owner occupancy of one of the units. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 23 of 29 +Page 23 of 29 + +Income Approach (continued) + +Income Approach Exhibits + +Map of GRM Comparables + +This is where the GRM Comparable Map photo would display. + +Comparable #1 + +Comparable #2 + +This is where the GRM Comparable 1 photo would display. + +This is where the GRM Comparable 2 photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 24 of 29 +Page 24 of 29 + +Income Approach (continued) + +Comparable #3 + +This is where the GRM Comparable 3 photo would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Appraisal Summary + +Contract Price +Opinion of Market Value +Market Value Condition + +Sales Comparison Approach +$195,000 + +Income Approach +$198,000 + +Cost Approach + +Difficulty Estimating Depreciation + +$160,000 +$195,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal diff --git a/chunks/txt/5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904.txt b/chunks/txt/5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904.txt new file mode 100644 index 0000000000000000000000000000000000000000..83ee9a1525a6be748a12b6fba38f220f080ebe2f --- /dev/null +++ b/chunks/txt/5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904.txt @@ -0,0 +1,81 @@ +The Cash to Close total is the sum of the amounts for the eight line items in the Loan Estimate and the Final columns of +the Cash to Close Table. A negative number is the amount that the borrower will receive from the transaction at closing. A +result of zero means that the borrower neither paid nor received any amount from the closing table transaction. + +The UCD v2.0 Excerpt below shows the first instance of CASH_TO_CLOSE. The XML snippet that follows illustrates the + +entire Cash to Close table example provided in Figure 45. + +UCD v2.0 Implementation Guide + +- 61 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 35. UCD v2.0 Spec Excerpt - Cash to Close Item Data- Purchase Data Requirements. + +UCD +UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation +Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUME +NT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITE +M + +9.034 + +IntegratedDisclosureCashToCloseItemAmountChangedIndicator + +true + +9.036 + +IntegratedDisclosureCashToCloseItemChangeDescription + +See Total Loan Costs (D) and +Total Other Costs (I) + +9.003 + +IntegratedDisclosureCashToCloseItemEstimatedAmount + +9.014 + +IntegratedDisclosureCashToCloseItemFinalAmount + +8054.00 + +9712.10 + +9.002 + +IntegratedDisclosureCashToCloseItemType + +TotalClosingCosts + +9.034 + +IntegratedDisclosureCashToCloseItemAmountChangedIndicator + +true + +9.036 + +IntegratedDisclosureCashToCloseItemChangeDescription + +You paid these Closing Costs +before closing + +9.003 + +IntegratedDisclosureCashToCloseItemEstimatedAmount diff --git a/chunks/txt/5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952.txt b/chunks/txt/5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e2deb3ae674eb149c891dcf67e43c740dee6d2e --- /dev/null +++ b/chunks/txt/5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952.txt @@ -0,0 +1,58 @@ +1750.00 + true + 2024-04-18 + + + +… + + +UCD v2.0 Implementation Guide + +- 78 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +2. SECTION AND SUBSECTION HEADINGS AND TOTALS + +The most CD-specific container structure of all has the sole purpose of identifying CD sections, subsections and totals. This +is not best practice for developing a dataset; however, the CD is complicated and the same data point values are rendered in +multiple places on the form. Additionally, the same data points are used repeatedly to support multiple form sections. For +these reasons, the XML file includes containers and data points to enable systematic population of each section of the CD +with the correct line items. + +Table 41. XML File Containers Supporting CD Sections, Subsections and Totals. + +UCD UIDs Containers + +CD Section Supported + +999.134 + +INTEGRATED_DISCLOSURE_SECTION_SUMMARIES + +Holds all instances of +INTEGRATED_DISCLOSURE_SECTION_SUMMARY. + +Multiple + +INTEGRATED_DISCLOSURE_SECTION_SUMMARY + +Holds child containers identifying CD sections, subsections and +totals. + +Multiple + +INTEGRATED_DISCLOSURE_SECTION_SUMMARY_ +DETAIL + +Holds data points identifying CD section and subsection labels and +section totals. + +Multiple + +INTGEGRATED_DISCLOSRE_SUBSECTION_PAYMENTS Holds child containers with subsection payment information. diff --git a/chunks/txt/5f8f54ff44e45e84ae63e46e9aa8bc57f5cefdb1759d4bf3503c41c88954c925.txt b/chunks/txt/5f8f54ff44e45e84ae63e46e9aa8bc57f5cefdb1759d4bf3503c41c88954c925.txt new file mode 100644 index 0000000000000000000000000000000000000000..3d3c075370bee7a02ca1a25fdc8be0e34944a661 --- /dev/null +++ b/chunks/txt/5f8f54ff44e45e84ae63e46e9aa8bc57f5cefdb1759d4bf3503c41c88954c925.txt @@ -0,0 +1,72 @@ +− +Display when SiteInfluenceType = "BodyOfWater" +− + +If there are multiple Bodies of Water, then Site Influence = Body of Water +would be selected multiple times, and each display in a separate row in +the Site Influence table + +4.028 + +Impact + +1500.0177 + +ValueMarketabilityImpactType + +Display when EnvironmentalConditionType <> "None" + +1500.0176 + +EnvironmentalConditionIdentifiedDescription + +Display when EnvironmentalConditionType <> "None" + +4.029 + +Comment + +1500.0247 + +BodyOfWaterDescription + +1500.0181 + +SiteInfluenceDescription + +Site Influence Commentary + +Display when SiteInfluenceType = “BodyOfWater” AND +(ValueMarketabilityImpactType = "Adverse" OR "Beneficial") OR Exists +Display when SiteInfluenceType = “BodyOfWater” AND +(ValueMarketabilityImpactType = "Adverse" OR "Beneficial") OR +(InfluenceMeetsPolicyRequirementsIndicator = "false") OR Exists + +4.030 + +Commentary + +1500.0257 + +ValuationCommentText + +Display when exists + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 4 - 6 + +Page 123 + +Water Frontage with Private Access + +When Influence - SiteInfluenceType (UID: 1500.0087, FID: 4.025) <> “BodyOfWater”, Water Frontage with Private Access subsection does not +display. + +When Influence - SiteInfluenceType (UID: 1500.0087, FID: 4.025) = “BodyOfWater”, Water Frontage with Private Access must be determined +for each body of water. + +• When PrivateAccessIndicator (UID: 1500.0075) = ”false” for all bodies of water, this subsection does not display. +• When PrivateAccessIndicator (UID: 1500.0075) = ”true” for 1 or more body of water, additional information is needed for each + +instance, which displays on a separate row in the Water Frontage with Private Access table: diff --git a/chunks/txt/5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77.txt b/chunks/txt/5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77.txt new file mode 100644 index 0000000000000000000000000000000000000000..7ea50783ee5c39b42110d1f959b70418ed81e3eb --- /dev/null +++ b/chunks/txt/5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77.txt @@ -0,0 +1,71 @@ +8 + +Atypical Properties + +Atypical properties, which do not have a clear mapping are not included in the Legacy Forms Mapping. The URAR fills the gap on the properties that, due to certain property characteristics, did +not fit on a legacy form. The new URAR can accommodate the distinct characteristics of each property. + +• Properties with more than 1 accessory dwelling unit (ADU) +• Site condominium +• Manufactured Home with more than 1 unit +• Manufactured Home with an additional construction method +• Manufactured Home - condominium or cooperative +• Hybrid (independent of property type) +• Desktop (independent of property type) +• Condops + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +9 + +Atypical Properties Mapping with Property Characteristics + +This table provides examples of atypical properties with property characteristic mapping. These examples did not have a specific legacy form but are now accommodated with UAD 3.6 and the +new dynamic URAR. + +Atypical Property Examples + +Site Condominium + +Manufactured Home +with more than 1 unit + +Manufactured Home +Condominium + +Manufactured Home +Cooperative + +Cooperative + +Cooperative + +(Hybrid) + +(Desktop) + +Property Valuation Method + +(UID: 1000.0158, FID: 1.010) + +Construction Method + +(UID: 0300.0034, FID: 1.012) + +Does not apply for High-rise, +Mid-rise, or Low-rise structures. + +Traditional + +Traditional + +Traditional + +Traditional + +Hybrid + +Desktop + +Site Built diff --git a/chunks/txt/5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c.txt b/chunks/txt/5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c.txt new file mode 100644 index 0000000000000000000000000000000000000000..57e414692c20909ae38e74df275913fee9313e18 --- /dev/null +++ b/chunks/txt/5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c.txt @@ -0,0 +1,39 @@ +Example 5 Other ethnicity origin types + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +27 + +Sex + +Sex is reported in the HMDAGenderType data point under a detail structure for a single answer. If the +borrower checked both Male and Female on the redesigned Form 1003, use the +ApplicantHasSelectedBothMaleAndFemale enumeration. If the borrower did not wish to provide this +information, then use HMDAGenderRefusalIndicator. + +Race + +Race is reported in the HMDARaceType data point under a repeating structure for multiple answers. If the +borrower identified with more than one race included in the enumerations list, report each race separately +under the repeating container, e.g., Black or African American, White. If the borrower identified as Other +Asian, e.g., Pakistani, Laotian, etc; or as Other Pacific Islander, e.g., Fijian, Tongan, etc., use the +HMDARaceDesignationTypeOtherDescription. + +If the borrower identified as a member of an American Indian or Alaska Native tribe, use the +HMDARaceTypeAddtionalDescription to provide the name of the tribe as in the following example 6: + +Example 6 Additional race type description + +The MISMO HMDA Implementation Toolkit v.1.16 on the MISMO.org website is a tool that will help +implementers understand the usage of the HMDA data in MISMO. + +Section 9: Loan Originator Information +FHA loans require the Loan Originator Organization Name, Loan Originator Name, and NMLS IDs if the +information is available. Although this information is optional for Conventional loans, DU will collect it, +if made available. + +Lender Loan Information +This section is used to capture the information completed by the lender on the application. It is important +to remember that the borrower does not complete any of the data points in this section. diff --git a/chunks/txt/5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844.txt b/chunks/txt/5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844.txt new file mode 100644 index 0000000000000000000000000000000000000000..bb54f224209d1ea4103f1a4c6ad97c464d7da831 --- /dev/null +++ b/chunks/txt/5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Conservatorships Performance Goals - Scorecard + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Conservatorships Performance Goals - Scorecard + +The purpose of the Conservatorship Scorecard is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and Common Securitization Solutions, LLC (CSS) focus on their core mission responsibilities, operate in a manner appropriate for entities in conservatorships with limited capital buffers, and undertake those activities necessary to support an exit from conservatorship. diff --git a/chunks/txt/5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6.txt b/chunks/txt/5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..d8f0ddd148d95e99d73ef56458001d314cf4794e --- /dev/null +++ b/chunks/txt/5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6.txt @@ -0,0 +1,52 @@ +(HMDA), and sets out the privacy +protections for the HMDA data. The +Order also adds geographic indicators +related to the Enterprise Duty to Serve +program to the Enterprise PUDB to +provide greater transparency to the +public about the Enterprises’ Duty to +Serve activities. All the data +specifications set out in the Order apply +to future annual PUDB releases, until +further modified by FHFA. A new 2018 +PUDB will be released by FHFA +containing the data elements added by +the Order, replacing an interim PUDB +released on September 23, 2019 that +does not include the new HMDA data +elements or Duty to Serve geographic +indicators. The revised matrices setting +out the PUDB data requirements and +privacy and proprietary protection +modifications are available on FHFA’s +website at https://www.fhfa.gov/ +DataTools/Downloads/Pages/Public- +Use-Databases.aspx. The expansion of +the PUDB data requirements will +enhance transparency about the +Enterprises’ mortgage purchase +activities. +DATES: The Order is applicable May 27, +2020. +FOR FURTHER INFORMATION CONTACT: For +questions on data or methodology, +contact Ian Keith, Senior Program +Analyst, (202) 649–3114, Ian.Keith@ +fhfa.gov; for legal questions, contact +Maura Dundon, Assistant General +Counsel, (202) 649–3961, +Maura.Dundon@fhfa.gov, or Sharon +Like, Managing Associate General +Counsel, (202) 649–3057, Sharon.Like@ +fhfa.gov (these are not toll-free +numbers); Federal Housing Finance +Agency, 400 Seventh Street SW, +Washington, DC 20219. The +Telecommunications Device for the Deaf +is (800) 877–8339. +SUPPLEMENTARY INFORMATION: + +I. Background + +A. Statutory and Regulatory +Requirements diff --git a/chunks/txt/5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97.txt b/chunks/txt/5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97.txt new file mode 100644 index 0000000000000000000000000000000000000000..cff102a76e27bfca53f988eee8b5ab78e3ad4ab9 --- /dev/null +++ b/chunks/txt/5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97.txt @@ -0,0 +1,64 @@ +Parcel table + +• + +“Assessor Parcel Number (APN),” “APN Description,” “Parcel Size”— set as TCH in 3 equal +width column table set full width (45 picas). + +• Content sets as TB (~60 characters max per line in each cell). + +PARCEL TABLE + +Left-hand side of page + +• Zoning: “Zoning” sets as TXR-B on a line by itself, in left column. + +o “Compliance,” “Classification Code,” “Classification Code Description,” “Reasons +Illegal,” “Impact,” “Rebuildable to Current Density/Use” set as TXR-I, TXR. + +o “Description of Zoning Compliance” text sets as TXC-B1 (bold lead in to Myriad Pro + +Regular text). + +Appendix E: Report Style Guide + +Page 37 of 90 + +Version 1.4 + +• Property Use: “Property Use” sets as TXR-B, on A line by itself (below Zoning information on + +left). + +o “Primarily Residential,” “Residential Use,” “Non-Residential Use,” “Non-Residential + +Modification,” set as TXR-I, TXR. + +o “Description of Non-Residential Use/Modification” sets as TXC-B1 (bold lead in to + +Myriad Pro Regular text). + +Right-hand side of page + +• Property Access: “Property Access” sets as TXR-B, on a line by itself (sets top right-hand + +column). + +o “Primary Access,” “Street Type and Surface,” “Known Maintenance Agreement,” + +“Typical for Market” set as TXR-I, TXR. + +o “Description of Property Access” text sets as TXC-B1 (bold lead in to Myriad Pro + +Regular text) in right column. + +Site Influence (H1) + +Site Influence table + +• + +“Influence,” “Proximity,” “Detail,” “Impact,” “Comment” — set as TCH in a 5 equal column +table set full width (45 picas). + +• Content sets as TB (~36 characters max per line in each cell). diff --git a/chunks/txt/5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de.txt b/chunks/txt/5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de.txt new file mode 100644 index 0000000000000000000000000000000000000000..d01b357408e7abdfcec60502eb02e8f90a012fec --- /dev/null +++ b/chunks/txt/5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de.txt @@ -0,0 +1,25 @@ +30 Year Fixed Rate – Second Home specified product option +coming to PE – Whole Loan + +Integration Impact Memo + +September 29, 2022 + +Beginning Thursday, September 29, a new 30 Year Fixed Rate – Second Home specified product option will be available for +committing in Pricing & Execution - Whole Loan® (PE - Whole Loan®): + +• 30 Year Fixed Rate – Second Home product code: 222030 + +The product mapping guide has been updated. + +This new specified product option is available in our test environment. Committing second home loans into this new specified +product option is not required. + +Please use the following endpoints for testing: + +• Browse Price: https://api-clve.fanniemae.com/soap/BrowsePriceB2BService +• Commitment: https://api-clve.fanniemae.com/soap/CommitmentB2BService + +Questions? Please email the PE - Whole Loan Integrations Team. + +© 2022 Fannie Mae 9.27.22 Page 1 of 1 diff --git a/chunks/txt/5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc.txt b/chunks/txt/5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d86d151246878ebef8ff3dc879081645bd551bb --- /dev/null +++ b/chunks/txt/5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc.txt @@ -0,0 +1,67 @@ +- About - About FHFA - [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) + - Supervision & Regulation - [Advisory Bulletins](/advisory-bulletin) + - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests) + - [​Examiner Resources](/supervision/examiner-resources) + - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac) + - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) + - [Legal Documents & Suspensions](/supervision/legal-documents) + - [LIBOR Transition](/supervision/libor-transition) + - [Rulemaking and Federal Register](/regulation/rulemaking) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Policy & Programs - [Policy](/policy) - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations) + - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform) + - [Credit Risk Transfer](/policy/credit-risk-transfer) + - [Credit Scores](/policy/credit-scores) + - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio) + - [Executive Compensation](/policy/executive-compensation) + - [Guarantee Fees](/policy/guarantee-fees) + - [Language Access](/policy/language-access) + - [Mortgage Servicing](/policy/mortgage-servicing) + - [Multifamily Businesses](/policy/enterprise-multifamily-businesses) + - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales) + - [Pilot Transparency](/policy/pilot-transparency) + - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers) + - [Representation and Warranty Framework](/policy/representation-and-warranty-framework) + - [Programs](/programs) - [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research - [Data](/data) - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) + - [Resea diff --git a/chunks/txt/5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b.txt b/chunks/txt/5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a46e1d53c73fae18872596d48c969ec176f217c0 --- /dev/null +++ b/chunks/txt/5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b.txt @@ -0,0 +1,52 @@ +• +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 9.027.2) display caption if + +provided. + +Page 175 + +Appendix B-1: URAR Implementation Guide v1.3 + +10 Unit Interior – [Outbuilding Type] – [Structure Identifier] – [Unit Identifier] + +Page 176 + +The Unit Interior section describes the interior of each unit (including an ADU) and provides space for commentary and exhibits to support +the description, and to report any defects, damages, or deficiencies. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 177 + +The Unit Interior section always displays. + +• When there is a single living unit (LivingUnitExcludingADUCount = 1 AND AccessoryDwellingUnitTotalCount = 0), the Unit Interior + +section displays after the Dwelling Exterior section. + +• When there are multiple living units (LivingUnitExcludingADUCount > 1 AND AccessoryDwellingUnitTotalCount = 0), the section + +displays after the applicable Dwelling Exterior section. Reference the Appendix D-1: 2- to 4-Unit Sample Scenario for an example. + +• When there are ADUs (AccessoryDwellingUnitTotalCount > 0) + +• +• + +In a dwelling, the section displays after the applicable Dwelling Exterior section. Reference Appendix D-1: SF4 for an example. +In an outbuilding, the section displays after the applicable Outbuilding section. Reference Appendix D-1: SF3 for an example. + +The Unit Interior section header provides context as to where the unit is located. (Figure 10 - 1) + +Figure 10 - 1 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point/Attribute Name + +Display Rules + +Unit Interior: Section Header diff --git a/chunks/txt/600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e.txt b/chunks/txt/600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e.txt new file mode 100644 index 0000000000000000000000000000000000000000..0528e94857d11d2affa57c88fae3dcafae72bce7 --- /dev/null +++ b/chunks/txt/600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e.txt @@ -0,0 +1,141 @@ +Market + +Project Information + +Appendix B-1: URAR Implementation Guide v1.3 + +Always + +Always + +Always + +Always + +Always + +When the property is in a project (condominium, +condop, cooperative) or in a PUD + +Never + +Never + +Never + +Never + +Never + +Never + +Section # Section Header + +When Section Displays on Report + +When Section Displays Multiple Times + +Page 27 + +19 + +20 + +21 + +Subject Listing Information + +Always + +Sales Contract + +When there is an active sales contract + +Prior Sale and Transfer History + +Always + +22 + +Sales Comparison Approach + +When applicable + +Note: Although most appraisals include the Sales +Comparison Approach, there are cases where this +section would not be included. + +23 + +24 + +25 + +26 + +27 + +28 + +29 + +Rental Information + +When applicable + +Income Approach + +When applicable + +Cost Approach + +Reconciliation + +When applicable + +Always + +Revision History + +When applicable + +Supplemental Information + +When applicable + +Certifications and Scope of Work + +Always + +Never + +Never + +Never + +Never + +Never + +Never + +Never + +Never + +Never + +Never + +Never + +Condition and Quality Rating Definitions may be appended at the end of the appraisal report so that users and readers of appraisal reports +are able to understand the standardized ratings. These are available on the GSE websites in Condition and Quality Rating Definitions and in +Appendix F-1: URAR Reference Guide in Appendix 2: Condition and Quality Rating Definitions. + +Appendix B-1: URAR Implementation Guide v1.3 + +MISMO XML Version 3.6 + +Many MISMO v3.6 data points and containers are reusable and may show up in several different locations within one XML file. The location +or context in which a data point is used must be known to fully understand the business meaning. The location is expressed using the diff --git a/chunks/txt/600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87.txt b/chunks/txt/600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87.txt new file mode 100644 index 0000000000000000000000000000000000000000..84cc2e8f1e64e835f2a75b175868d00df42fcad5 --- /dev/null +++ b/chunks/txt/600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87.txt @@ -0,0 +1,238 @@ +Uniform Residential Appraisal Report + +Page 13 of 22 +Page 13 of 22 + +PG BRK + +Sales Comparison Approach + +General Information + +Property Address + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +201 Underhill Dr, Unit 202 +Nowhere, CA 90021 + +201 Underhill Dr, Unit 204 +Nowhere, CA 90021 + +1633 Hundred Ave, Unit 801 +Nowhere, CA 90021 + +1639 Town St, Unit 333 +Nowhere, CA 90021 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Sale Price + +Financing Type + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Project Information + +Project Name | Same +Project as Subject + +Monthly Fee + +Assessor Record | +MLS M32583 + +Assessor Record | +MLS M32380 + +Assessor Record | +MLS M28713 + +0.01 Miles S + +$778,000 + +Settled Sale + +$778,000 + +$0 + +$0 + +$0 + +Cash + +No + +05/19/2019 + +06/19/2019 + +40 + +Attached + +Fee Simple + +0.47 Miles SE + +$790,000 + +Settled Sale + +$794,000 + +0.44 Miles S + +$768,000 + +Settled Sale + +$765,000 + +VA + +$10,000 + +06/19/2019 + +08/19/2019 + +11 + +Attached + +Fee Simple + +FHA + +$5,000 + +06/15/2019 + +07/15/2019 + +21 + +Attached + +Fee Simple + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +The MI5 | Yes + +ABC Estates | No + +The Arena | No + +$604 + +$525 + +$475 + +— + +— + +— + +— + +— + +Attached + +Fee Simple + +The MI5 + +$604 + +Common Amenities/Services + +Built-in Pool | Inground +Spa | Unit Storage + +Built-in Pool | Inground +Spa | Unit Storage + +Inground Pool | Inground Spa + +Inground Pool + +Special Assessments + +Existing + +Existing + +None + +Proposed + +Site + +Neighborhood Name + +View | Range + +Dwelling(s) + +Year Built + +Structure Design + +Heating + +Cooling + +Units + +Floor Number + +Corner Unit diff --git a/chunks/txt/601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7.txt b/chunks/txt/601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..2fbe2a7dcdf12ac9c7033afae9fb5ccb72733b05 --- /dev/null +++ b/chunks/txt/601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7.txt @@ -0,0 +1,17 @@ +UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025 + +The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +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 webpages to view all UAD resources. + +UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + +The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on 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) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP® ) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. diff --git a/chunks/txt/602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a.txt b/chunks/txt/602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a.txt new file mode 100644 index 0000000000000000000000000000000000000000..1147d5b653189afc6034c432fe13ff6b2d6b43b7 --- /dev/null +++ b/chunks/txt/602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a.txt @@ -0,0 +1,80 @@ +• + +• + +• + +Large general living areas or main bedroom +with all other rooms sufficiently sized. +Some rooms may have vaulted ceilings, and +custom design elements such as built-ins, +upgraded trim, finishes, mouldings and wall +treatments. +Upgraded or high-grade floor coverings +that exceed the quality and durability of +standard-grade. + +• Moderately sized kitchens featuring +upgraded appliances, cabinetry and +countertops or a mix of upgraded and high- +grade elements. + +• Multiple bathrooms of moderate size with +some bathrooms specifically dedicated to +certain bedrooms as well as at least one +common bathroom; containing upgraded +cabinetry and plumbing fixtures or a +mixture of upgraded and high-end +elements. + +• + +• + +Sufficiently sized rooms typically with flat +ceilings and some vaulted ceilings in larger +rooms, some trim or finishes of basic +design. +Standard floor coverings that exceed the +quality and durability of economy grade. + +• Moderately sized kitchens featuring + +• + +• + +• + +• + +• + +• + +• +• + +• + +standard-grade appliances, cabinetry and +countertops or a mix of economy and +upgraded elements. +Usually featuring multiple bathrooms of +moderate size containing standard-grade +cabinetry and plumbing fixtures or a +mixture of economy and upgraded +elements. + +Small rooms typically with flat ceilings, +minimal trim or finishes of basic design. +Economy floor coverings that meet +minimum standards. +Small kitchens featuring economy-grade +appliances, cabinetry, and countertops or a +mix of standard and economy grade. +Bathrooms that are limited in size and +number, and feature economy-grade +cabinetry and plumbing fixtures or a +mixture of economy and standard-grade +elements. diff --git a/chunks/txt/60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46.txt b/chunks/txt/60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46.txt new file mode 100644 index 0000000000000000000000000000000000000000..27c28a032cadfaac6e6f6964988dd9cc9d2d110a --- /dev/null +++ b/chunks/txt/60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46.txt @@ -0,0 +1,29 @@ +[![Letter with Checkmark icon](/sites/default/files/2025-11/currenteval.png) + +### Evaluation Guidance](/document/dts-evaluation-guidance-2025-8.pdf) + +[![House Icon](/sites/default/files/2025-11/housing.png) + +### Annual Housing Report](/reports/annual-housing-report) + +[![Congressional Building Icon](/sites/default/files/2025-11/reportcongress.png) + +### Annual Report to Congress](/reports/annual-report-to-congress) + +## Data and Tools + +Image + +![2021 Duty to Serve Single Family Dashboard Thumbnail](/sites/default/files/styles/large/public/2023-06/2021-dts-single-family-dashboard-thumbnail_0.jpg?itok=0omzeOPY) + +Access datasets and interactive maps​ on the [DTS Eligibility Data Page](/data/duty-to-serve/eligibility-data) or DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty. Also, access information and dashboards on the [DTS Performance Data Page](/data/duty-to-serve/performance-data). + +[2024 DTS Single-Family Dashboard](/data/dashboard/dts/single-family/2024) + +The Single-Family Dashboard is an interactive map that looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels. + +[2024 DTS Multifamily Dashboard](/data/dashboard/dts/multifamily/2024) + +The Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets. + +## ​We Want to Hear From You diff --git a/chunks/txt/603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd.txt b/chunks/txt/603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd.txt new file mode 100644 index 0000000000000000000000000000000000000000..9897877142877ea47d5548e72443fef083394181 --- /dev/null +++ b/chunks/txt/603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd.txt @@ -0,0 +1,34 @@ +o Clients, Lenders, AMCs, and other parties as identified by the appraiser + +o Appraiser and Supervisory Appraiser + +o Person(s) providing significant real property appraisal assistance + +o Entity providing a property data report + +PARTY Element + +The PARTY container will be leveraged to capture information about various parties associated with the appraisal. Information about each +party involved in the appraisal must be provided in a separate instance of a PARTY container. Party information such as the address, contact +information, license details, and the role(s) played by the given party must be provided as indicated in the URAR Delivery Specification +document. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 42 + +INDIVIDUAL/LEGAL_ENTITY Element + +The INDIVIDUAL and LEGAL_ENTITY containers are part of the XML schema choice group in the PARTY container. XML schema choice group +contains a list of mutually exclusive elements, i.e., it allows only one of the elements contained in the choice group to be present in an +instance of the parent container. As INDIVIDUAL and LEGAL_ENTITY containers are part of the choice group, only one of these containers +must be included, but not both, in an instance of the PARTY container. The INDIVIDUAL container must be used when the party being +referenced is an individual and the LEGAL_ENTITY container must be used when the party being referenced is a legal entity. Refer to the +URAR Delivery Specification document for mapping details. + +Appendix B-1: URAR Implementation Guide v1.3 + +• + +If the party being referenced is an individual, the FirstName and LastName of this party must be provided in the INDIVIDUAL +container. For example, first name and last name of the appraiser are provided in the INDIVIDUAL/NAME container. diff --git a/chunks/txt/603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e.txt b/chunks/txt/603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e.txt new file mode 100644 index 0000000000000000000000000000000000000000..dddd7f33d89c6a5f27944e2d483c96454644fc70 --- /dev/null +++ b/chunks/txt/603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e.txt @@ -0,0 +1,114 @@ +Always displays + +17.004 + +Search Criteria Description + +3000.0010 + +MarketInventorySearchParameterDescription + +Always displays + +Market: General Information + +Search Results Metrics + +The Search Results Metrics subsection always displays. (Figure 17 - 1) + +Active Listings + +Market: Search Result Metrics + +Display Rules + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display when MarketInventoryType (UID: 3000.0023, FID: Not on report) = +"ActiveListings" AND… +Always displays + +17.005 + +Active Listings + +3000.0018 MarketInventoryCount + +Deliver even if zero. + +17.006 + +Median Days on Market 3000.0021 MarketInventoryMedianDaysOnMarketCount + +… AND MarketInventoryCount > 0 + +17.007 + +Lowest List Price + +3000.0020 MarketInventoryLowestPriceAmount + +… AND MarketInventoryCount > 0 + +17.008 + +Median List Price + +3000.0022 MarketInventoryMedianPriceAmount + +… AND MarketInventoryCount > 0 + +17.009 + +Highest List Price + +3000.0019 MarketInventoryHighestPriceAmount + +… AND MarketInventoryCount > 0 + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 17 - 1 + +Page 236 + +▪ When there are no active listings, the report labels Median days on Market, Lowest List Price, Median List Price, and Highest List Price + +do not display. (Figure 17 - 2) + +Figure 17 - 2 + +Pending Sales + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +17.010 + +Pending Sales + +3000.0024 MarketInventoryCount + +Always display when MarketInventoryType (UID: 3000.0025, FID: Not on report) += "PendingSales" + +Deliver even if zero. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 17 - 3 + +Page 237 + +Sales within the lookback period diff --git a/chunks/txt/60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f.txt b/chunks/txt/60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f0fa9c9fd268be19b2b3de9a9bfd0754b49129fd --- /dev/null +++ b/chunks/txt/60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/annual-housing-report" +date_accessed: "2026-01-27T17:47:55.848Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79.txt b/chunks/txt/604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79.txt new file mode 100644 index 0000000000000000000000000000000000000000..04842901ccb41fcb942466e4f5e73ee0b5b01f9d --- /dev/null +++ b/chunks/txt/604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79.txt @@ -0,0 +1,117 @@ +Public + + + + + +If more + +than 1 + +Unit-- + +different + +set up + +Apparent Defects, Damages, Deficiencies (Site) + +None + +Site Exhibits + +Property Access (Street Scene) - Site Influence - View + +Site Influence - Park + +This is where the Park photo would display. + +Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 4 of 20 + +Sketch + +Measurement Standard + +ANSI + +Floor Plan + +Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 5 of 20 + +Dwelling Exterior + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method + +Converted Area + +1 +Ranch +2-3 Ft. +2020 +Manufactured +Site Built +None + +Quality and Condition + +Exterior Quality Rating + +Q3 + +Exterior Condition Rating + +C2 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Foundation + +Roof + +Detail +Aluminum | Synthetic Stone + +Poured Concrete | Crawl +Space + +Asphalt +Estimated Age: 1-10 years + +Quality Comment + +The subject has a crawl space +set on a poured concrete +perimeter footer. + +Condition Status +New or Like New + +New or Like New + +30+ year asphalt shingle roof. New or Like New + +Condition Comment + +The roof was installed +at manufacturing and +installation/set-up 2 years +ago and is in like new +condition. diff --git a/chunks/txt/6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148.txt b/chunks/txt/6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c695327730bcc6ad0c4b21c2c6f9bd41bdb9f17 --- /dev/null +++ b/chunks/txt/6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148.txt @@ -0,0 +1,26 @@ +[Watch Video](https://youtu.be/A-7GhWtLLBo) + +[See Infographic](/media/document/pdf/uad-infographic) + +![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ) + +## []()**UAD 2.6 and Resources** + +##### Legacy Documentation + +The forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents. + +- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad) +- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules) +- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide) +- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping) +- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls) +- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields) +- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements) + +##### Related Links + +- [Appraisers](/learning-center/applications/appraisers-property-underwriting) + - [Technology Integration](/technology-integration/technology-integration-resources) + - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability) + - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811) diff --git a/chunks/txt/6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c.txt b/chunks/txt/6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c.txt new file mode 100644 index 0000000000000000000000000000000000000000..6a86b9c97a4690833c9ca0c1f564aeea0598180a --- /dev/null +++ b/chunks/txt/6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c.txt @@ -0,0 +1,53 @@ +11 For example, as discussed below in Section +II.B.1, the PUDB includes Enterprise Application +Channel data, although it does not completely align +with the Application Channel data in the CFPB’s +public dataset. + +policymakers to monitor Enterprise +activities. The differences between the +PUDB and the CFPB’s dataset published +under Regulation C reflect Congress’s +intent that the PUDB supplement +HMDA.12 + +While the Enterprises are in + +conservatorship, FHFA has +implemented the Safety and Soundness +Act to require the Enterprises to provide +to FHFA only the data they collect from +their loan sellers as part of their +established mortgage purchasing +activities.13 + +In 2010, FHFA added HMDA data +elements to the PUDB to implement the +Safety and Soundness Act +requirement.14 In 2018, new definitions +for HMDA data elements added by the +CFPB to Regulation C took effect. As a +result, new Enterprise data elements +that generally conform to the HMDA +definitions must be added to the PUDB +starting with the PUDB released in 2019 +that contains 2018 data (2018 PUDB). +FHFA reviewed the data collected by +the Enterprises from their loan sellers in +2018 and identified the HMDA data +elements to be disclosed starting with +the 2018 PUDB. These data +specifications will apply to future PUDB +annual releases, until further modified +by FHFA. + +B. Structure of the PUDB + +The PUDB is a loan-level dataset +containing data elements related to the +single-family and multifamily loans +acquired by the Enterprises in the +previous calendar year. It includes +seasoned loans originated in years prior +to acquisition, and loans originated in +the same year as acquisition. diff --git a/chunks/txt/60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28.txt b/chunks/txt/60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28.txt new file mode 100644 index 0000000000000000000000000000000000000000..c266cd2f76edf6f2b30d5d8a4fa0c9bdfe62bd11 --- /dev/null +++ b/chunks/txt/60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28.txt @@ -0,0 +1,68 @@ +Subject to Inspection + +Opinion of Market Value is based on the itemized list of required inspections being completed and the extraordinary +assumption that any deficiency does not require alteration or repair. + +Note: If this answer is selected, the standard Subject to Inspection language displays as part of the Final Value Condition +Statement (26.013). + +Subject to Repair + +Opinion of Market Value is based on the hypothetical condition that the repairs have been completed as of the appraisal +report effective date. + +Note: If this answer is selected, the standard Subject to Repair language displays as part of the Final Value Condition +Statement (26.013). + +Appendix F-1: URAR Reference Guide + +Page 325 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Reasonable Exposure Time, Effective Date, FHA REO Insurability Level + +Reconciliation: Appraisal Summary – Reasonable Exposure Time and FHA REO Insurability + +Report +Field ID + +Report Label + +When to Include + +26.010 Reasonable + +Always required + +Exposure Time + +Allowable +Answers / Format + +Number of days or +range of days + +Definition / Additional Guidance + +The total number of days the property would have been offered on the market +prior to a hypothetical sale at market value as of the appraisal report effective +date. + +26.011 Effective Date of +Appraisal + +Always required + +mm/dd/yyyy + +The date to which the appraiser’s analyses, opinions, and conclusions apply; +also referred to as date of value. Reference published guidelines by the GSEs, +government agencies, or other identified secondary market participants for +specific guidance. +Note: If Property Valuation Method (2.004) is: +• diff --git a/chunks/txt/606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce.txt b/chunks/txt/606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9638706760e19b880686f2738d00b2e7ff5d824 --- /dev/null +++ b/chunks/txt/606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce.txt @@ -0,0 +1,8 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-36-resources" +date_accessed: "2026-01-27T17:45:43.147Z" +--- + +[Skip to main content](#main-content) + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav diff --git a/chunks/txt/606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051.txt b/chunks/txt/606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051.txt new file mode 100644 index 0000000000000000000000000000000000000000..4defd355fc20232a3d10e2701f59bf667b43ae1a --- /dev/null +++ b/chunks/txt/606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051.txt @@ -0,0 +1,172 @@ +Bedrooms + +Baths - Full | Half + +Multi + +Heat Pump | Electric + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Centralized + +3 + +2 | 0 + +3 + +2 | 0 + +Finished Area Above Grade + +Finished Area Below Grade + +1,568 Sq. Ft. + +1,410 Sq. Ft. + +$10,270 + +0 Sq. Ft. + +0 Sq. Ft. + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Q3 + +Exterior Walls and Trim + +Aluminum | Synthetic Stone + +Foundation + +Condition + +Exterior Walls and Trim + +Roof + +Interior Quality and Condition + +Quality + +Kitchen + +Crawl Space + +C2 + +New or Like New + +New or Like New + +Q3 + +Aluminum + +Crawl Space + +C3 + +Typical Wear and Tear + +Typical Wear and Tear + +Q3 + +Q3 + +Energy Star appliances +and wood cabinets + +Energy Star appliances +and wood cabinets + +Overall Bathrooms + +Metal plumbing fixtures + +Metal plumbing fixtures + +Condition + +Kitchen + +Overall Bathrooms + +C2 + +Fully Updated + +Fully Updated + +C3 + +Partially Updated + +Fully Updated + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 14 of 20 + +Sales Comparison Approach (continued) + +Property Address + +Subject Property + +Comparable #4 + +123 Anywhere St +Somecity, TN 12345 + +3026 Old West St +Somecity, TN 12345 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Vehicle Storage + +Type | Spaces | Detail + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight diff --git a/chunks/txt/60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73.txt b/chunks/txt/60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73.txt new file mode 100644 index 0000000000000000000000000000000000000000..a857eda6dc4189e237040436b2de92e9ed824c41 --- /dev/null +++ b/chunks/txt/60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73.txt @@ -0,0 +1,80 @@ +At Closing + +Before Closing + +At Closing + +Before Closing + +Paid by +Others + +8.1.1 $985.00 + +8.4.1 $1,598.00 + +8.10.1 $619.65 + +018.11 Homeowner’s Insurance 8.11.1 ($100.83 per month + +8.11.2 $201.66 + +for 2 mo.) + +028.12 Mortgage Insurance 8.12.1 ($109.00 per month for + +8.12.2 $218.00 + +8.11.4 + +8.12.4 + +2 mo.) + +Appendix E: UCD Implementation Guide + +Page 134 of 254 + +8.11.6 + +8.12.6 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +038.13 Property Taxes 8.13.1 ($105.30 per month for 2 mo.) 8.13.2 + +8.13.4 $210.60 + +048.14Condominium Dues 8.14.1 ($50.00 per month for 4 mos.) 8.14.2 $200.00 + +8.14.4 + +088.15 Aggregate Adjustment + +8.15.2 (-$0.01) + +8.13.6 + +8.14.6 + +Figure 85. Initial Escrow Payment at Closing + +Except for 8.15 Aggregate Adjustment, all Initial Escrow Payment at Closing line items are disclosed according +to the following pattern. + +1. 8.11 – 8.14 Identify the charge. If the name of the item is not specified by Regulation, implementers must + +describe the service or function paid for using clear and conspicuous terminology. + +a. Per the Regulation, escrow items are paid to the creditor or a mortgage servicer, so the payee is not + +identified. However, in support of ATR/QM, the type of entity receiving the payment must be provided +to identify Broker or Lender affiliates. + +b. Identify the monthly premium and number of months covered by the initial escrow payment. + +2. Determine if the payment was broken out across multiple payors. If paid by one payor, disclose the full diff --git a/chunks/txt/607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50.txt b/chunks/txt/607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50.txt new file mode 100644 index 0000000000000000000000000000000000000000..0f624065bf81ccd9f4334564b686aebf7589f554 --- /dev/null +++ b/chunks/txt/607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50.txt @@ -0,0 +1,144 @@ +This field is required if the value of field e-6 +(GSE View Type) is 'Other'. + +CR + +CR + +CR + +95 + +96 + +97 + +98 + +99 + +100 + +101 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +89 + +90 + +91 + +92 + +93 + +94 + +95 + +SITE + +Specific Zoning +Classification + +SITE + +Zoning Description + +Site Zoning +Classification +Identifier + +Site Zoning +Classification +Description + +Identifies the zoning classification +applied to the site. + +/VALUATION_RESPONSE/PROPERTY/SITE +/@_ZoningClassificationIdentifier + +25 + +String + +This field should indicate the specific zoning classification of the subject +property. + +A free-form text field used to describe +the zoning classification of the +property site. + +/VALUATION_RESPONSE/PROPERTY/SITE +/@_ZoningClassificationDescription + +4000 + +String + +This field should contain a description of the zoning classification of the +subject property. + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +SITE + +SITE + +SITE + +SITE + +SITE + +Zoning Compliance +Legal + +Site Zoning +Compliance Type + +Indicates the level of compliance of +the subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE +[@_ZoningComplianceType='Legal'] + +Zoning Compliance +Legal Nonconforming +(Grandfathered Use) + +Site Zoning +Compliance Type + +Indicates the level of compliance of +the subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE +[@_ZoningComplianceType='Nonconforming'] + +Zoning Compliance +No Zoning + +Site Zoning +Compliance Type + +Indicates the level of compliance of +the subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE +[@_ZoningComplianceType='NoZoning'] diff --git a/chunks/txt/607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1.txt b/chunks/txt/607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1.txt new file mode 100644 index 0000000000000000000000000000000000000000..47e345e192f8a28ed552fc35ca9bf4a8cfe61b2c --- /dev/null +++ b/chunks/txt/607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1.txt @@ -0,0 +1,101 @@ +OverallQualityAndCondition + +The subject is new construction that is less than 12 months old, never lived in, and meets the C1 rating definition. The subject was built with materials that align with a Q3 rating. Though the subject is not custom it was built with materials to withstand the elements and have lower overall maintenance. + +SubjectPriorSalesAndTransferHistory + +Land was purchased in a bulk sale for the current subdivision Grammy Gold. + +ComparablesPriorSalesAndTransferHistory + +Comparable #1 had a prior transfer. The prior sale appears to be a market motivated arms-length transaction with no unusual concessions noted. The increase in value appears to be based upon recent improvements made to the comparable which include, but are not limited to, the finishing of the below grade area to include a family room, bedroom, and bathroom. No other prior sales have been reported for the remaining comparable properties. + +DisasterMitigation + +The house was built with impact resistant roof and windows for mitigation against hail and high winds. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2018-05-23 + +90 + +30 + +ReasonableExposureTime + +900000 + +false + +123456 + +false + +AmericanNationalStandardsInstitute + +false + +false + +true + +URAR Delivery Specification v1.3 + +NoPhysicalInspection + +MYAPP + +Some Appraisal Creator + +11.2.1 + +Nowhere Technologies + +DIY AMC + +500 Park St + +Othertown + +54322 + +IL + +AppraisalManagementCompanyFee + +0 + +2020-10-31 + +12345 + +IL + +ManagementCompany + +Client + +ABC Lender + +400 Apple Ln + +Anytown + +54321 + +IL + +Lender + +Sam + +Appraiser + +123 Main St + +Anytown diff --git a/chunks/txt/60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38.txt b/chunks/txt/60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38.txt new file mode 100644 index 0000000000000000000000000000000000000000..a58bcba0ea3fbe95e5b46206a454379c308fdc0a --- /dev/null +++ b/chunks/txt/60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38.txt @@ -0,0 +1,39 @@ +1. CLOSI NG DI SCLOSURE – BORROWER ONLY + +The Closing Disclosure - Borrower Only variation is identical to the Model Form with one exception (Figure 3). +Under Summaries of Transactions, the SELLER’S TRANSACTION Sections 14.0-M. Due to Seller at Closing, 15.0- +N. Due from Seller at Closing, and 16.0-CALCULATION are either excluded or left blank. + +Figure 3. Closing Disclosure - Borrower-Only Variation – Summaries of Transactions + +2. CLOSI NG DI SCLOSURE – SELLER ONLY - UPDATED + +As of June 24, 2019, the seller data required in UCD is reduced and the Split – Seller Only PDF is not required. +Error! Reference source not found. has the original seller data requirements. + +Appendix E: UCD Implementation Guide + +Page 17 of 254 + +Version 1.4 + +Uniform Closing Dataset + +III. Closing Disclosure Variations – UPDATED + +a. XML FI LE STRUCTURE - NEW + +Because of the limited Seller data requirements, lenders can deliver all required Seller data within the Borrower +DOCUMENT container and not required to send data in the Seller DOCUMENT container. All the Seller-Only data +points required in UCD are already included on the Closing Disclosure Borrower-Only: + +a. 2.2 Seller + +b. 7.2.4 – 7.7.5 Seller-Paid charges At or Before Closing. + +c. SELLER’S TRANSACTION fields 14.4 – 14.7 Adjustments for Items Paid by Seller in Advance and 15.7, +15.9-15.12 Adjustments for Items Unpaid by Seller are identical to the corresponding BORROWER’S +TRANSACTION fields 11.6 – 11.9 Adjustments for Items Paid by Seller in Advance and 12.5, 12.8-12.11 +Adjustments for Items Unpaid by Seller. + +d. 23.0.3-23.9.3 Real Estate Broker (B) | 23.0.4-23.9.4 Real Estate Broker (S) | 23.0.5 | 23.0.0 – 23.9.5 diff --git a/chunks/txt/6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af.txt b/chunks/txt/6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af.txt new file mode 100644 index 0000000000000000000000000000000000000000..b454f0c3548738d7df10acd0c9c2518a60f19059 --- /dev/null +++ b/chunks/txt/6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af.txt @@ -0,0 +1,7 @@ +Introduction .................................................................................................................................................... 4 + +Usability and Implementation Guidance ......................................................................................................... 4 + +Enumerated Values ------------------------------------------------------------------------------------------------------------ 4 + +Calculations ---------------------------------------------------------------------------------------------------------------------- 4 diff --git a/chunks/txt/6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb.txt b/chunks/txt/6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e2c25d2d4b7ad3c821a80d5cb9db5fef1c822be --- /dev/null +++ b/chunks/txt/6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb.txt @@ -0,0 +1,6 @@ +Neighborhood Section ............................................................................................................................................... 18 +Site Section ................................................................................................................................................................. 20 + +Project Information Section ...................................................................................................................................... 23 +Improvements Section .................................................................................................................................. 25 +Sales Comparison Approach Section ............................................................................................................ 33 diff --git a/chunks/txt/609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4.txt b/chunks/txt/609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4.txt new file mode 100644 index 0000000000000000000000000000000000000000..9a1e17ffdc3b327c7a67aa32c8760ba6920d03e5 --- /dev/null +++ b/chunks/txt/609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4.txt @@ -0,0 +1,39 @@ +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) + +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) + +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) + +1=Hispanic or Latino; 2=Not Hispanic or Latino; +3=Information not provided; 4=Not applicable (First or +primary borrower is an institution, corporation or +partnership); 5=No Co-Borrower +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower + +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower + +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower diff --git a/chunks/txt/6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5.txt b/chunks/txt/6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..7851c9646261381e929c263431d8c943ccc8a2be --- /dev/null +++ b/chunks/txt/6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5.txt @@ -0,0 +1,62 @@ +2025 Archive: Loan Delivery Enhancements +Quick Guide for Loan Delivery Enhancements + +December 31, 2025 + +This Loan Delivery Enhancements guide provides access to this year’s previous, current, and upcoming Loan Delivery updates in +an easy-to-read format all in one document. + +Looking for business rules updates? Review the LD Edit Change Effective Date column on the Edits_LD tab in the Business Rules +Dictionary for business rule updates. + +In Case You Missed It + +Effective +Date + +Jan 27, +2025 + +Jan 27, +2025 + +Impacted Area + +Description + +ULDD Phase 5 +Updates + +ULDD documents have been updated for Wire Instruction Reference Identifier and Deed +Restriction, please see ULDD Phase 5 Implementation Considerations for details. + +Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing + +of effective edit updates including: + +• + +• + +3 edits moving from informational to warning to validate LTV/CLTV, interest rate, +and HomeReady VLIP LLPA credit +2 DU compare edits moving from warning to fatal to validate monthly income + +Feb 3, +2025 + +Wire +Instructions +Update + +Effective February 3, 2025, the Seller’s Designation of Wire Transfer Instructions (Form 482) +has been updated for sellers to provide Beneficiary Address (street, city, state, zip) +information for whole loan purchases. This is a new requirement to conform to the Federal +Reserve’s ISO 20022 standards. The required beneficiary address is the address of the +business entity receiving the funds. + +In preparation to conform to the new ISO 20022 standards, Fannie Mae will update existing +wiring instructions by March 3, 2025, using address information available in other Fannie Mae +systems. If an address is unavailable, Fannie Mae will reach out to the Seller, Warehouse +Lender or Disbursement Agent to gather an appropriate beneficiary address to be used. +Delays in responding may cause funding delays due to wires being rejected. diff --git a/chunks/txt/60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291.txt b/chunks/txt/60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291.txt new file mode 100644 index 0000000000000000000000000000000000000000..3abd31412696a33c7b5479f0adfc787f8cafedaf --- /dev/null +++ b/chunks/txt/60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291.txt @@ -0,0 +1,95 @@ +• Client Reference ID - AdditionalValuationIdentifier (UID: 2100.0003, FID: HF.007) + +o Displays when AdditionalValuationIdentifierType (UID: 2100.0004, FID: HF.007) = "Client" + +• AMC Reference ID - AdditionalValuationIdentifier (UID: 2100.0007, FID: HF.008) + +o Displays when AdditionalValuationIdentifierType (UID: 2100.0008, FID: HF.008) = "ManagementCompany” + +Figure HF - 2 + +See Appendix E – Report Style Guide for details displaying the footer. + +Note: Text can be included in the footer for vendor branding. However, the text must not overlap the + +predefined fields. + +Appendix B-1: URAR Implementation Guide v1.3 + +01 Summary + +Page 68 + +The Summary section provides a synopsis of key information from the URAR to serve as a quick reference to the reader, including actions to +be taken into consideration by a reviewer. + +The data in this section is redisplayed from other sections of the report. + +Appendix B-1: URAR Implementation Guide v1.3 + +The Summary section always displays. The Source Section FID column indicates the origin of the summary data. All information repopulates +from the associated source sections. + +Page 69 + +Report Field ID + +Report Label + +Summary: General Information + +Source Section FID + +Original Section + +1.000 + +1.001 + +1.085 + +1.002 + +1.003 + +1.004 + +1.005 + +1.006 + +1.007 + +1.008 + +1.009 + +1.010 + +1.011 + +Address + +Opinion of Market Value + +(Cooperative Interest) + +Final Value Condition Statement + +Effective Date of Appraisal + +Assignment Reason + +Borrower Name + +Current Owner of Public Record + +Contract Price + +Listing Status + +Market Value Condition + +Property Valuation Method + +Appraiser Name diff --git a/chunks/txt/60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de.txt b/chunks/txt/60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de.txt new file mode 100644 index 0000000000000000000000000000000000000000..06af961290946d2ea5db5c7f0b8346670e8ac74f --- /dev/null +++ b/chunks/txt/60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de.txt @@ -0,0 +1,42 @@ +- [Stress tests and risk scenarios](/data/fhlb-stress-tests) +**Other Reports and Initiatives** + +- [Annual Report on Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks) +- [FHLBank System at 100](/programs/fhlbank-system-at-100-focusing-on-the-future) + +- ## Related Links + +- [Advisory Bulletins](/advisory-bulletin) +- [Reports](/advisory-bulletin) +- [About FHLBank System](/supervision/federal-home-loan-bank-system/about) +- [Additional Resources](#additional-resources) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231.txt b/chunks/txt/60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231.txt new file mode 100644 index 0000000000000000000000000000000000000000..6ee7d7a29b96b5926286a36106a01887dffd9563 --- /dev/null +++ b/chunks/txt/60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231.txt @@ -0,0 +1,105 @@ +APPRAISER +CERTIFICATION + +LENDER/CLIENT +Company Name + +Lender Unparsed +Name + +The name of the party or entity designated +as the lender for the loan. + +/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName + +APPRAISER +CERTIFICATION + +LENDER/CLIENT +Company Address + +APPRAISER +CERTIFICATION + +LENDER/CLIENT +Email Address + +Appraisal Forms +Lender Unparsed +Address + +Contact Point +Value + +The unparsed address of the lender. +Generally includes the street address, +suite number, city, state and zip code. +FORM SPECIFIC FIELD +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. + +/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd +dress + +/VALUATION_RESPONSE/PARTIES/LENDER/CONTACT_DETAIL/CONTA +CT_POINT[@_Type=‘Email’]/@_Value + +48 + +48 + +90 + +25 + +String + +String + +String + +String + +Note: This data is referenced more than once on the form (field 2-134) and must be +represented consistently. + +UAD Requirement - Refer to Appendix D Appraiser Certification Section +This field must contain either the name of the management company involved or the +text 'No AMC'. + +This field contains the lender/client company name. This data is referenced more than +once on the form (refer to field 1-37) and must be represented consistently, to the +extent the available space permits. The printed version of this field must appear +completely in at least one location on the form, but may be truncated in the other +location + +This address information is treated differently from other address fields on the +appraisal form in order to accomodate lender requirements. + +R + +R + +R + +R + +R + +R + +R + +R + +T + +T + +T + +R + +R + +R diff --git a/chunks/txt/60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a.txt b/chunks/txt/60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e62cd2eb35bfa19938bc72421eec9097cad6da3 --- /dev/null +++ b/chunks/txt/60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a.txt @@ -0,0 +1,47 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 50 of 166 + +UAD 3.6 Policy + +SB4-1.1-04, Unacceptable Appraisal Practices (06/04/2025) + +Introduction +This topic contains examples of unacceptable practices, many of which are reflected in the appraiser’s certifications on the +appraisal reports. + +• Unacceptable Appraisal Practices + +Unacceptable Appraisal Practices +The following are examples of unacceptable appraisal practices: + +• development of or reporting an opinion of market value (including responses to requests for a borrower-initiated + +reconsideration of value) that is not supportable by market data or is misleading; + +• development of a valuation conclusion based either partially or completely on the sex, race, color, religion, disability, +national origin, or familial status, or including a reference to any protected class, of either the prospective owners or +occupants of the subject property or the present owners or occupants of the properties in the vicinity of the subject +property; +reference to crime rate or related data; + +• +• use of unsupported assumptions, interjections of personal opinion, or perceptions about factors in the valuation process + +and the use of subjective terminology, including, but not limited to: + +o +o +o +o +o +o + +“pride of ownership,” “no pride of ownership,” and “lack of pride of ownership”; +“poor neighborhood”; +“good neighborhood”; +“crime” (and its variants); +“desirable neighborhood or location”; or +“undesirable neighborhood or location”; + +• development of a valuation conclusion based on factors that local, state, or federal law designate as discriminatory, and diff --git a/chunks/txt/60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff.txt b/chunks/txt/60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d656fc00a31a17086f7d1e371a3f8f90066d134 --- /dev/null +++ b/chunks/txt/60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff.txt @@ -0,0 +1,77 @@ +1 + +Numeric + +PDF Display Format: +Numeric, 1-digit maximum. + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of finished bedrooms in the basement. + +1 + +Numeric + +PDF Display Format: +Numeric, 1-digit maximum. + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of finished bathrooms in the basement. + +3 + +Numeric + +PDF Display Format: +Full Bath Count.Half Bath Count +n.n + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of other finished rooms in the basement. + +1 + +Numeric + +PDF Display Format: +Numeric, 1-digit maximum. + +Refer to Appendix E for PDF Rendering and Parsing Instructions + +20 + +String + +This is a free text field which should describe the functional utility. + +20 + +String + +This is a free text field which should describe the heating/cooling. + +This field is required if the value of field e-18 +(GSE Below Grade Total Square Feet Number) +is greater than zero. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. diff --git a/chunks/txt/60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d.txt b/chunks/txt/60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..82febb612348a7a3a07f85ae4415ee8d38cdce8a --- /dev/null +++ b/chunks/txt/60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d.txt @@ -0,0 +1,99 @@ +The Appraisal Summary subsection always displays. However, there are fields within this subsection that may not display. + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Reconciliation: Appraisal Summary + +26.006 + +Contract Price + +0600.0008 + +SalesContractAmount + +26.007 + +Opinion of Market Value + +1300.0017 + +OpinionOfValueAmount + +26.074 +26.075 + +[Static text] + +Not on report + +N/A + +26.008 + +Pro Rata Share Calculation +Method + +1300.0033 + +LineOfCreditProRataShareSelectionMethodType + +26.009 + +Market Value Condition + +1300.0010 + +PropertyValuationConditionalConclusionType + +Display when SalesContractReviewedIndicator = "true" +Redisplay from Sales Contract section. +Always displays + When ProjectLegalStructureType = "Cooperative" OR “Condop”: (Figure 26 - +2) + +− Display (Cooperative Interest) in parenthesis on the right. +− Display text in italics below Market Value Condition: The market value +represents the cooperative interest. The cooperative interest is the +equity portion that is over and above the pro rata share of the blanket +mortgage(s). + +Display when (ProjectLegalStructureType = "Cooperative" OR "Condop") +AND ProjectBlanketFinancingIndicator = "true" AND LineOfCreditIndicator = +"true" +For this to display, at least one lien must have LineOfCreditIndicator = “true” +Always displays + +− When multiple conditions are provided, display as stacked on separate + +lines. + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Reconciliation: Appraisal Summary + +Page 349 + +26.010 + +Reasonable Exposure Time diff --git a/chunks/txt/60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79.txt b/chunks/txt/60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce6d59eeb1138a513557c34e8ed3f5adcc2b44b7 --- /dev/null +++ b/chunks/txt/60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79.txt @@ -0,0 +1,88 @@ +• + +“Primary Site Valuation Method” TXR-B, TXR. + +Valuation Methodology table + +• Column heads: “#,” “Address,” “County,” “Data Source,” “Assessor Parcel Number (APN), + +“Site Size,” “Sale Date,” “Price” set as TCH in 8 column table x 45 picas. + +• Column 1: + +1 pica 6 points wide (~6 characters max) + +• Column 2–8: + +set equal widths (~24 characters max per line in each cell). + +• Content sets as TB. + +Appendix E: Report Style Guide + +Page 40 of 90 + +Version 1.4 + +SITE VALUATION METHODOLOGY TABLE + +• + +“Reconciliation of Site Value” sets as TXC-B text x 45 picas (bold lead in to Myriad Pro Regular +text). + +Site Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Site Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Disaster Mitigation” sets as TAB. + +Left-hand side of page + +• + +“Mitigation Feature” sets as TXR-B, TXR. + +Disaster Mitigation Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Disaster Mitigation Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Energy Efficient and Green Features” sets as TAB. + +Left-hand side of page + +• Known Renewable Energy Components sets as TXR-B, TXR. + +Renewable Energy Components table + +• Column heads: “Renewable Energy Component,” “Ownership,” “Financing Arrangement” set + +as TCH. + +• Set 3 equal column table x 45 picas (~60 characters max per line in each cell). + +• Content sets as TB. + +RENEWABLE ENERGY COMPONENTS TABLE + +Appendix E: Report Style Guide + +Page 41 of 90 + +Version 1.4 + +Left-hand side of page + +• Known Building Certifications sets as TXR-B, TXR. + +Building Certifications table + +• Column heads: “Building Certification Organization,” “Certification,” “Year,” “Version,” diff --git a/chunks/txt/60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa.txt b/chunks/txt/60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c1b71849d6511654fea73abbbc9080d2ee5c1a9 --- /dev/null +++ b/chunks/txt/60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa.txt @@ -0,0 +1,96 @@ +Search Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built +within the past 10 years, located within the subject’s market area (east of Washington Park) during the past 12 months. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +Housing Trends + +Demand/Supply + +Market Commentary + +7 +52 +$325,000 +$349,000 +$369,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +43 +$325,000 +$340,000 +$370,000 +No +Price Trend +ABC MLS + +In Balance + +Marketing Time + +Under 3 Months + +The Price Trend graph indicates no measurable change in prices during the identified lookback period. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 9 of 19 +Page 9 of 19 + +Market (continued) + +Market Exhibits + +Price Trend + +This is where the Price Trend graph would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +MLS + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Transfer Terms +Typically Motivated + +Date +10/30/2018 + +Amount +$250,000 + +Analysis of Prior Sale and Transfer History of Subject Property This was a builder sale. + +Comparable Transfer History diff --git a/chunks/txt/60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6.txt b/chunks/txt/60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6.txt new file mode 100644 index 0000000000000000000000000000000000000000..be020a1850965a71b4e0f8a74634d76f1e71d131 --- /dev/null +++ b/chunks/txt/60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6.txt @@ -0,0 +1,91 @@ +Additionally, the appraiser may use the +additional space, as needed, for a text +description. The PDF creator shall render a + +Page 53 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +delimiter in the form of a semicolon (;) and +insert the delimiter prior to the text description. +Attributes such as assigned and owned may +be noted within the text description. + +If there is no off-street parking, the appraiser +should enter “None”. + +The appraiser may include all parking types if +all types are present. If all types are not +present, only the appropriate abbreviations +should be used. + +Abbreviated +Entry + +Parking Type + +g + +cv + +op + +Garage + +Covered + +Open + +Examples: + +• 2g + +• 1g1cv + +• 1cv + +• None + +• None;street permit + +• 1g1cv;1 Owned + +• 2g1cv1op;1a 2ow + +**Note: In the last example, the appraiser +should note the use of any additional +abbreviations within the report so that the +reader can interpret the entry. + +Page 54 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + ++(-) $ Adjustment +If a feature or aspect of the subject property +differs from a feature or aspect of a +comparable property and the appraiser +determines that no adjustment is warranted, +the appraiser must enter a zero (0) in the +adjustment line. The zero (0) will indicate to +the reader/user of the report that the +appraiser considered the difference and +determined that no adjustment should be +made. 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 default to zero. diff --git a/chunks/txt/60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5.txt b/chunks/txt/60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5.txt new file mode 100644 index 0000000000000000000000000000000000000000..bfa0e250842bcbd760915cc4ebf266b208f8632b --- /dev/null +++ b/chunks/txt/60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5.txt @@ -0,0 +1,61 @@ +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q3 +Q3 +Q3 + +Overall Condition + +Exterior Condition +Interior Condition + +C2 +C2 +C2 + +Reconciliation of Overall Quality and Condition + +The overall quality and condition ratings are reflective of the interior and exterior quality and condition ratings. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 10 of 20 + +Highest and Best Use + +Is the present use of the subject property … + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Highest and Best Use Commentary + +The subject is legally permissible and physically possible under the current zoning, 1-5 MH Residential, which allows for manufactured and +modular 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 +improved with comparable manufactured and modular homes demonstrating market acceptance. Sales prices of vacant and improved +properties support the conclusion that the subject represents the highest and best use as improved. The property is outside the city limits and +all types of single family homes are appropriate. + +Market + +Market Area Boundary Main Road to the North, East Main Road to the East, West Main Road to the West, and Southern Highway to the +South. diff --git a/chunks/txt/6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66.txt b/chunks/txt/6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66.txt new file mode 100644 index 0000000000000000000000000000000000000000..408925dec5d5787afd69dc5c89c33618c14a8428 --- /dev/null +++ b/chunks/txt/6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66.txt @@ -0,0 +1,50 @@ +Notes: +• These rows must be brought into the sales comparison grid when there is relevant and meaningful information for the subject and all +comparables, and adding the row leads to credible results. Not reporting a meaningful attribute can be misleading by omission. +• These rows are indicated in this chapter with the Report Label in blue italics, and “If relevant” in the “When Row Displays” column. + +Appendix F-1: URAR Reference Guide + +Page 216 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Additional Rows + +One or more additional rows may be added to the following relevant subsections to provide context and impactful details. These rows must only be +used when atypical characteristics are observed. Do not add rows for information that is already available as a predefined row. Choose the +applicable subsection for the characteristic. +• General Information +• Site +• Dwelling(s) +• Unit(s) +• Vehicle Storage +• Outbuilding + +Adjustments + +Adjustments in the sales comparison grid fall into one of two categories: +• An overall or rollup adjustment that is supported by non-adjustable rows. Example: + +• A line-item adjustment. Example: + +For a full list of rows in the sales grid and whether each is adjustable, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in +Comparable Grids. + +Appendix F-1: URAR Reference Guide + +Page 217 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +If a feature or characteristic of the subject property differs from a feature or characteristic of a comparable property and there is no market support +for an adjustment, enter a $0 in the adjustment line. The zero indicates that the appraiser has considered the difference and determined that there +is no measurable impact. This includes information that is not applicable (“grayed out”) for the subject, such as Financing Type and Sale Date. diff --git a/chunks/txt/610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6.txt b/chunks/txt/610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4447beb97e12d2e608ff14d63c42f043a3b3993 --- /dev/null +++ b/chunks/txt/610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6.txt @@ -0,0 +1,74 @@ +1100.0078 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residentia +l/DATA_SOURCE_IsDataSourceFor +_COST_APPROACH + +1100.0079 + +RELATIONSHIP + +@xlink:from + +DATA_SOURCE_n + +1100.0080 + +RELATIONSHIP + +@xlink:to + +COST_APPROACH_n + +1100.0074 + +COST_APPROACH + +@xlink:label + +COST_APPROACH_n + +0700.0124 + +DATA_SOURCE + +@xlink:label + +DATA_SOURCE_n + +Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information. + +Appendix B-1: URAR Implementation Guide v1.3 + +26 Reconciliation + +Page 346 + +The Reconciliation section includes information about the different approaches to value, market value conditions, the final opinion of market +value, reporting of client requested conditions (if any), and an overall reconciliation of value. This section also contains a summary of all +identified defects, damages, and deficiencies, and provides space for additional commentary and exhibits. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 347 + +The Reconciliation section always displays. + +Approaches to Value + +The Approaches to Value subsection always displays. When a value is not indicated for an approach, a Reason for Exclusion displays in the +table. (Figure 26 - 1) + +When Sales Comparison Approach is not developed, the only supported enumeration for the Reason for Exclusion - +ValuationApproachExclusionReasonType (UID: 1300.0007, FID: 26.001) = “Other”. The text describing the reason for exclusion must be +delivered using ValuationApproachExclusionReasonTypeOtherDescription (UID: 1300.0008, FID: 26.001). + +Report +Field ID +Sales Comparison Approach + +Report Label diff --git a/chunks/txt/6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c.txt b/chunks/txt/6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c.txt new file mode 100644 index 0000000000000000000000000000000000000000..919b8b3697749fb5e4691be505749bf119f0fa49 --- /dev/null +++ b/chunks/txt/6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c.txt @@ -0,0 +1,50 @@ +Manufactured Housing Appraisal Cost Approach Requirements + +Fannie Mae requires a detailed and supported cost approach to value all manufactured homes which may include: + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 110 of 166 + +UAD 3.6 Policy + +site value + +• +• home delivery, installation, and setup; +• +replacement or reproduction; and +• depreciation + +The sales comparison and cost approach to value are complementary for the valuation of manufactured housing and must support the +final value conclusion. A properly developed and detailed cost approach will provide the information necessary for an appraiser to + +recognize differences in manufactured home construction quality based on the UAD quality rating definitions, + +• +• understand the difference between the comparable sales and the subject property, +• +• + +extract from the market appropriate adjustments for the sales comparison analysis, and +identify sales of manufactured homes that are similar to the subject property to use as comparable sales. + +Note: Personal property must not be included in the cost approach to value. + +Sources of Manufactured Housing Data + +Sources such as MLS and public records are important and may contain some manufactured housing data; however, appraisers +must utilize other data sources, such as manufactured home dealers and construction companies/builders experienced in the +delivery, installation, and setup of manufactured homes. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 111 of 166 + +UAD 3.6 Policy + +SB4-1.4-05, Leasehold Interests Appraisal Requirements (06/04/2025) + +Introduction + +This topic contains information on special appraisal considerations for properties subject to leasehold interests, including: diff --git a/chunks/txt/611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa.txt b/chunks/txt/611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..f794650fbf3a951aec7b0377bd11030c0e219026 --- /dev/null +++ b/chunks/txt/611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa.txt @@ -0,0 +1,13 @@ +**Notes:** + +1) All CSV file headers are now standardized as described in the Data Dictionary and Technical Notes and all CSV files are zipped. + +2) Alternate wide format CSV files are available. The wide format may be more easily opened by MS Excel. + +**New Residential Mortgage Statistics** + +New Residential Mortgage Statistics Format Release Date **Annual Data (1998-2024)** All Geographic Areas [[CSV]](/document/nmdb-new-mortgage-statistics-all-annual.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-annual.zip) 12/30/2025 States [[CSV]](/document/nmdb-new-mortgage-statistics-states-annual.zip) 12/30/2025 **Quarterly ​Data (1998 Q1 - 2025 Q1)** National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-quarterly.zip) 12/30/2025 **Monthly ​Data (January 1998 - March 2025)** Nati​onal, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-monthly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-new-mortgage-statistics-wide-column-format.zip) 12/30/2025 + +**Outstanding Residential Mortgage Statistics** + +Outstanding Residential Mortgage Statistics Format Release Date **Quarterly ​Data (2013 Q1 - 2025 Q3)** All Geographic Areas [[CSV]](/document/nmdb-outstanding-mortgage-statistics-all-quarterly.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-outstanding-mortgage-statistics-national-census-areas-quarterly.zip) 12/30/2025 States [[CSV]](/document/nmdb-outstanding-mortgage-statistics-states-quarterly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-outstanding-mortgage-statistics-wide-column-format.zip) 12/30/2025 diff --git a/chunks/txt/611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533.txt b/chunks/txt/611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533.txt new file mode 100644 index 0000000000000000000000000000000000000000..bc71f18d055affa43be32b782f7c3155ed1ba428 --- /dev/null +++ b/chunks/txt/611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533.txt @@ -0,0 +1,97 @@ +50 12 CFR 1003.4(a)(21); CFPB, 2018 Reportable +HMDA Data: A Regulatory and Reporting Overview +Reference Chart for HMDA Data Collected in 2018 +at 27, https://files.consumerfinance.gov/f/ +documents/201710_cfpb_reportable-hmda-data_ +regulatory-and-reporting-overview-reference- +chart.pdf (Aug. 31, 2018). + +51 84 FR at 656. +52 80 FR at 66180–81; 12 CFR 1003.4(a)(5) and + +(31). + +53 12 CFR 1003.2(n). The Safety and Soundness + +Act also defines multifamily as five or more +dwelling units. 12 U.S.C. 4502(18). + +49 84 FR at 661–663, 671–673. + +54 84 FR at 656. + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00041 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +34201 + +maturity.55 For purchased loans, Loan +Term is measured from origination.56 +The PUDB Single-Family National File +C currently includes the data element +Term of Mortgage at Origination, which +corresponds to HMDA Loan Term. Loan +Term will be disclosed in the PUDB +Single-Family Census Tract File without +modification, in conformance with the +CFPB Privacy Guidance.57 + +Combined Loan-to-Value (CLTV): + +CLTV is a new HMDA data element that +discloses the ratio at origination of the +total amount of debt secured by the +property to the value of the property +relied on in making the credit decision +(discussed above in Section II.B.1.), +disclosed as a percentage.58 LTV or +CLTV if available is currently disclosed +in the PUDB Single-Family National +Files A and C in ranges, without +disclosing whether the value is LTV or +CLTV. To conform with HMDA, the +actual ratio for LTV or CLTV will be +disclosed in the PUDB Single-Family +Census Tract File without modification, +and without disclosing whether it is +LTV or CLTV, in conformance with the +CFPB Privacy Guidance.59 diff --git a/chunks/txt/61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d.txt b/chunks/txt/61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d.txt new file mode 100644 index 0000000000000000000000000000000000000000..07e9c89942656da565200b05debbf79c4860fdd0 --- /dev/null +++ b/chunks/txt/61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d.txt @@ -0,0 +1,63 @@ +The text of the Orders is as follows: + +Federal Housing Finance Agency + +Order Nos. 2020–OR–FNMA–2; and + +2020–OR–FHLMC–2. + +Revisions to Data Requirements for +Enterprise Public Use Database To +Include New Home Mortgage Disclosure +Act Data Elements + +Whereas, the Federal Housing +Enterprises Financial Safety and +Soundness Act of 1992 (Safety and +Soundness Act) (12 U.S.C. 4543) +requires the Federal Housing Finance +Agency (FHFA) to make available +annually to the public certain loan-level +mortgage data elements related to +single-family and multifamily mortgages +purchased by the Federal National +Mortgage Association (Fannie Mae) and +the Federal Home Loan Mortgage +Corporation (Freddie Mac) (collectively, +the Enterprises) in a calendar year; + +Whereas, FHFA publishes annually +the required Enterprise mortgage data +elements in an Enterprise Public Use +Database (PUDB); + +178 12 U.S.C. 4543(a)(1). + +Whereas, the mortgage data elements + +for the PUDB are submitted by Fannie +Mae and Freddie Mac to FHFA in the +reports required under section 309(m) of +the Federal National Mortgage +Association Charter Act (12 U.S.C. +1723a(m)) and section 307(e) of the +Federal Home Loan Mortgage +Corporation Act (12 U.S.C. 1456(e)), +respectively, and in other submissions +to FHFA; + +Whereas, the Safety and Soundness +Act (12 U.S.C. 4543(a)(2), 4546(d)(1)) +further provides that the mortgage data +elements must include data elements +that are the same as those required to be +reported under the Home Mortgage +Disclosure Act of 1975 (HMDA) (12 +U.S.C. 2801 et seq.), which must be +made available to the public at the +census tract level, subject to privacy +considerations, as described in section +304(j) of HMDA (12 U.S.C. 2803(j)), and +thus may not be withheld from public +disclosure notwithstanding any +Enterprise proprietary interests; diff --git a/chunks/txt/6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde.txt b/chunks/txt/6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde.txt new file mode 100644 index 0000000000000000000000000000000000000000..557af5e1d4ab22cde618cd42ef10e4901428ecda --- /dev/null +++ b/chunks/txt/6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde.txt @@ -0,0 +1,159 @@ +N/A - XML + +11.5 + +N/A - XML + +@gse:DisplayLabelT +ext + +Tenant Security +Deposit + +ClosingAdjustmentI +temAmount + +100.00 + +Represented on the +form as $100.00 + +ClosingAdjustmentI +temPaidOutsideOfC +losingIndicator + +false + +Not Shown + +IntegratedDisclosur +eSectionType + +DueFromBorrower +AtClosing + +Not Shown + +IntegratedDisclosur +eSubsectionType + +Adjustments + +Not Shown + +Second instance of CLOSING_ADJUSTMENT_ITEM_DETAIL + +11.5 + +Principal Reduction …/CLOSING_ADJUS +TMENT_ITEM/CLOS +ING_ADJUSTMENT_ +ITEM_DETAIL + +ClosingAdjustmentI +temType + +Other + +ROF as “Principal +Reduction” + +ClosingAdjustmentT +ypeOtherDescriptio +n + +PrincipalReduction + +Appendix E: UCD Implementation Guide + +Page 168 of 254 + +Version 1.4 + +Uniform Closing Dataset + +11.0 K. Due from Borrower at Closing + +Table 111. Adjustments to Items Due from Borrower at Closing + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +@gse:DisplayLabelT +ext + +$500 Principal +Reduction for +exceeding legal +limits P.O.C. Ficus +Bank + +Since this is a string +field, the text is +represented on the +form exactly as +provided + +ClosingAdjustmentI +temAmount + +500.00 + +ROF as $500.00 + +ClosingAdjustmentI +temPaidOutsideOfC +losingIndicator + +true + +ROF as “P.O.C.” + +IntegratedDisclosur +eSectionType + +DueFromBorrower +AtClosing + +IntegratedDisclosur +eSubsectionType + +Adjustments + +FullName + +Ficus Bank + +ROF “Ficus Bank” + +11.5.1 Principal Reduction + +($) + +11.5.1 + +11.5 N/A - XML + +11.5 N/A - XML + +11.5 + +…/CLOSING_ADJUS +TMENT_ITEM//CLO +SING_ADJUSTMENT +_ITEM_PAID_BY/IN +DIVIDUAL/NAME + +11. 6 – 11. 9 ADJUSTMENTS FOR I TEM S PAI D BY SELLER I N ADVANCE diff --git a/chunks/txt/6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb.txt b/chunks/txt/6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..7e76ccf28fb437c8b248553403dcdb3696fadcac --- /dev/null +++ b/chunks/txt/6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb.txt @@ -0,0 +1,215 @@ +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions +Only Alternate Form + +1.0 + +2.0 + +3.0 + +4.0 + +5.0 + +6.0 + +Closing Information + +Transaction Information + +Loan Information + +Loan Terms Table + +Projected Payments Table + +Costs at Closing + +7.0 + +Loan Costs Table (A – D) + +8.0 + +Other Costs Table (E – I) + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +Seller-Paid Columns Only +for fees & real estate +commissions for both +agents + +Seller-Paid Columns Only +for fees & real estate +commissions for both +agents + +9.0 + +10.0 + +J. Total Closing Costs +Table + +Calculating Cash to Close +Table + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +1.7 label variation + +2.1 & 2.3 only + +✓ + +✓ + +✓ + +Adds designation From/To +Borrower + +Borrower & Paid By Others +Columns Only + +Borrower and Paid By Others +Columns Only + +Borrower and Paid By Others +Columns Only + +Appendix E: UCD Implementation Guide + +Page 15 of 254 + +Version 1.4 + +Uniform Closing Dataset + +III. Closing Disclosure Variations – UPDATED + +Table 3. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions +Only Alternate Form + +10.A + +11.0 + +12.0 + +13.0 + +14.0 + +15.0 + +16.0 + +17.0 + +18.0 + +19.0 + +20.0 + +21.0 + +22.0 + +23.0 + +Alternative Calculating +Cash to Close Table + +K. Due from Borrower at +Closing + +L. Paid Already by or on +Behalf of Borrower at +Closing + +CALCULATION + +✓ + +✓ + +✓ + +✓ + +M. Due to Seller at Closing + +14.4-14.7 + +N. Due from Seller at +Closing + +CALCULATION + +Loan Disclosures + +Escrow Account + +Adjustable Payment (AP) +Table + +15.7 and 15.9-15.12 diff --git a/chunks/txt/616ae66d028da63ddfe8dc753cbbe08080833da90c3a6ed5efccef9321f63601.txt b/chunks/txt/616ae66d028da63ddfe8dc753cbbe08080833da90c3a6ed5efccef9321f63601.txt new file mode 100644 index 0000000000000000000000000000000000000000..46bbb65e51ba913fde240b5d03b00df3fe692c18 --- /dev/null +++ b/chunks/txt/616ae66d028da63ddfe8dc753cbbe08080833da90c3a6ed5efccef9321f63601.txt @@ -0,0 +1,51 @@ +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +This field should be populated if field 1-173 +(Project Developer Controls Project +Management Indicator = 'Y') is indicated. +One and only one of fields 2-7, 2-8 (values +of Project Common Elements Leased +Indicator) should be indicated. + +One and only one of fields 1-185, 1-186 +(values of Project Common Elements +Completed Indicator) should be indicated. + +One and only one of fields 1-185, 1-186 +(values of Project Common Elements +Completed Indicator) should be indicated. + +This field should be populated if 1-186 +(Management Group +Homeowners' Association and Management +Agent) is populated. + +One and only one of fields 1-188, 1-189 +(values of Project Commercial Space +Indicator) should be indicated. + +One and only one of fields 1-188, 1-189 +(values of Project Commercial Space +Indicator) should be indicated. + +This field must be populated if field 1-188 +(Project Commercial Space Indicator = 'Y') +is indicated. + +This field should be populated if field 1-188 +(Project Commercial Space Indicator = 'Y') +is indicated. diff --git a/chunks/txt/61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139.txt b/chunks/txt/61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d304dd266a0040eb5e100c08dede2ccdd5229c1 --- /dev/null +++ b/chunks/txt/61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139.txt @@ -0,0 +1,32 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 22 of 22 +Page 22 of 22 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716.txt b/chunks/txt/6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae5072396ba0785b6342996ce699a0bc1c0a90e0 --- /dev/null +++ b/chunks/txt/6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716.txt @@ -0,0 +1,31 @@ +• be legally classified as real property, and + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 18 of 166 + +UAD 3.6 Policy + +• + +conform to all local building codes in the jurisdiction in which they are permanently located. + +The purchase, conveyance, and financing (or refinancing) must be evidenced by a valid and enforceable first-lien mortgage or +deed of trust that is recorded in the land records and must represent a single real estate transaction under applicable state law. +The lender is responsible for perfecting the real estate title and obtaining any needed title endorsements before selling the loan +to Fannie Mae when a unit is titled as personal property similarly to manufactured homes. + +All factory-built units must be permanently attached to a foundation that meets the standards for local building codes where the +unit will be placed and in accordance with the recommendations prescribed by the unit’s manufacturer (when applicable). If the +unit had axles, wheels, tow hitch, or other hardware to facilitate ease of transportation to the site, the lender is responsible for +ensuring that all such hardware is removed prior to selling the loan to Fannie Mae. + +Fannie Mae treats modular, prefabricated, panelized, or sectional housing the same as site-built housing. Therefore, Fannie Mae +does not have minimum requirements for width, size, roof pitch, or any other specific construction details. + +Modular Construction Techniques on Multi-Unit Buildings + +Multi-unit buildings such as condos, co-ops, and townhomes may be constructed, in whole or in part, through the use of modular +construction techniques. All buildings must conform to local building codes in the jurisdiction in which they are permanently +located. Units in these buildings are provided the same treatment as units in multi-unit buildings constructed with site-built +techniques. diff --git a/chunks/txt/617a58f20f629a1123a66ed77c85df8add080ca15445eba9898c66d57c0a55e6.txt b/chunks/txt/617a58f20f629a1123a66ed77c85df8add080ca15445eba9898c66d57c0a55e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ff48e334696ca4e7b9f589a20dced3de6e8e130 --- /dev/null +++ b/chunks/txt/617a58f20f629a1123a66ed77c85df8add080ca15445eba9898c66d57c0a55e6.txt @@ -0,0 +1,270 @@ +This is where the +Comparable 5 photo +would display. + +MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record + +0.06 Miles NW + +0.03 Miles SW + +$880,000 + +Pending + +$880,000 + +— + +$0 + +$875,000 + +Pending + +$866,000 + +No + +No + +04/10/2019 + +05/01/2019 + +30 + +Attached + +Fee Simple + +— + +15 + +Attached + +Fee Simple + +Unknown + +06/01/2019 + +— + +19 + +Attached + +Fee Simple + +1,765 Sq. Ft. + +1,976 Sq. Ft. + +$0 + +2,111 Sq. Ft. + +$890,000 + +Pending + +$880,000 + +— + +$0 + +$0 + +$0 + +$0 + +Site Influence (Location) + +Busy Roadway | Park + +Busy Roadway +| Park + +View | Range + +Residential | Full + +Residential | Full + +Dwelling(s) + +Year Built + +2016 + +2015 + +$0 + +Structure Design + +Rowhouse/Townhouse + +Townhouse End Unit + +Townhouse Back to Back + +Yes + +No + +Townhouse Location + +No Units Above/Below + +Rowhouse/ +Townhouse + +Yes + +No + +No Units +Above/Below + +Busy Roadway +| Park + +Residential | Full +Commercial +| Partial + +2016 + +Rowhouse/ +Townhouse + +Yes + +No + +No Units +Above/Below + +Heating + +Forced Warm Air | Natural Gas + +Forced Warm Air + +Forced Warm Air + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Unfinished Area +Below Grade + +5 + +4 | 1 + +4 + +3 | 2 + +$0 + +$5,000 + +4 + +3 | 2 + +3,308 Sq. Ft. + +3,442 Sq. Ft. + +$0 + +3,442 Sq. Ft. + +$0 + +$5,000 + +$0 + +720 Sq. Ft. + +72 Sq. Ft. + +420 Sq. Ft. + +$6,000 + +420 Sq. Ft. + +$6,000 + +272 Sq. Ft. + +$0 + +272 Sq. Ft. + +$0 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Condition + +Interior Quality and Condition + +Quality + +Condition + +Q3 + +Brick | Wood + +Q3 + +Brick | Wood + +Q3 + +Brick | Wood + +C3 + +Q2 + +C3 + +C3 + +Q2 + +C3 + +C3 + +Q2 + +C3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) diff --git a/chunks/txt/617c554524c6656099145ba05fd83a2211817d5bc4a4d4b7acf9461104817d99.txt b/chunks/txt/617c554524c6656099145ba05fd83a2211817d5bc4a4d4b7acf9461104817d99.txt new file mode 100644 index 0000000000000000000000000000000000000000..c426320773c389ed313b5667ed6aa78278f02991 --- /dev/null +++ b/chunks/txt/617c554524c6656099145ba05fd83a2211817d5bc4a4d4b7acf9461104817d99.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/376","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\/stress-tests-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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I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. + +6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal +report. + +7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in +appraising this type of property in this market area. + +8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax +assessment records, public land records, and other such data sources for the area in which the property is located. diff --git a/chunks/txt/6186b96a70322f301b172737b0609a0c48dada14d64b703d091a64d6b2456e3c.txt b/chunks/txt/6186b96a70322f301b172737b0609a0c48dada14d64b703d091a64d6b2456e3c.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f25f5fa07bdcecc52e0d2d72b6021d44d94e5a1 --- /dev/null +++ b/chunks/txt/6186b96a70322f301b172737b0609a0c48dada14d64b703d091a64d6b2456e3c.txt @@ -0,0 +1,51 @@ +• +• + +Report Estimated Percentage of Commercial Space as 20%. + +Example 2: The subject unit is in a 10-story building. Each floor is 10,000 square +feet. +• +• +• + +The first 2 floors of the building are retail/commercial. +The upper 8 floors are residential condominium units. +The retail commercial project and the residential condominium project +are separate and unrelated legal entities, sometimes referred to as a +“floating” condo. + +Report Estimated Percentage of Commercial Space as 20%. + +There is no commercial space in buildings 1 – 3. +Building 4 is 100% commercial. + +Example 3: The subject unit is located in Building 1 in a condominium project +with 4 buildings. Each of the buildings are 50,000 square feet. +• +• +Report Estimated Percentage of Commercial Space as 25%, and the percentage +of commercial space in the subject building as 0% in Commercial Space +Comment. + +Example 4: Project has 2 buildings; total size of each building is 40,000 square +feet. +• +• + +Building 1 (which includes the subject unit) has no commercial space. +Building 2 has an estimated 10,000 square feet of retail commercial space +on the first floor that is a separate legal entity from the project. +Report Estimated Percentage of Commercial Space as 12.5%, and the +percentage of commercial space in the subject building as 0% in Commercial +Space Comment. + +Example 5: Project has 2 buildings; total size of each building is 40,000 square +feet. +• +• + +Building 1 has no commercial space. +Building 2 (which includes the subject unit) has an estimated 10,000 +square feet of retail commercial space on the first floor that is a separate +legal entity from the project. diff --git a/chunks/txt/618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5.txt b/chunks/txt/618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..543c0e5948370bb7faa46fb3b9e75d8372da3e46 --- /dev/null +++ b/chunks/txt/618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5.txt @@ -0,0 +1,23 @@ +## UAD Documentation + +The following UAD resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. + +[### UAD 3.6 Subschema Zip File + +The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement.](/docs/zip/uad-3.6-schema.zip) + +## Uniform Residential Appraisal Report + +[### Appendix A-1: UAD URAR Delivery Specification + +This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.](/docs/xls/requirements/appendix-a-1-urar-delivery-specification.xlsx) + +[### Appendix B-1: URAR Implementation Guide (iGuide) + +This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids, and provide guidance for creating the user interface.](/docs/zip/requirements/appendix-b-1-urar-implementation-guide.zip) + +[### Appendix C-1: URAR Layout + +This zip file contains the URAR Layout with Report Field IDs and the URAR Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.](/docs/zip/requirements/appendix-c-1-urar-layout.zip) + +[### Appendix D-1: URAR Sample Scenarios and XML Files diff --git a/chunks/txt/618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997.txt b/chunks/txt/618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997.txt new file mode 100644 index 0000000000000000000000000000000000000000..47bfe6e2889a90494e1a68ac49bdd2d6e42faf94 --- /dev/null +++ b/chunks/txt/618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997.txt @@ -0,0 +1,169 @@ +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-38, 6-39, 6- +41 (Appraisal Inspection Property Type = +'Subject' and values of Appraisal Inspection +Type) should be indicated. + +If field 6-41 (Appraisal Inspection Property +Type = 'Subject' and Appraisal Inspection +Type = 'ExteriorAndInterior') is indicated this +field should be populated. + +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-43, 6-44 +(Appraisal Inspection Property Type = +'Comparable' and values of Appraisal +Inspection Type) should be indicated. +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-43, 6-44 +(Appraisal Inspection Property Type = +'Comparable' and values of Appraisal +Inspection Type) should be indicated. + +T + +CR + +CR + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 79 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +518 + +6 + +45 + +APPRAISER +CERTIFICATION + +Date of Inspection + +Inspection Date + +The date the inspection of the +property was performed. + +519 + +All + +226 + +FOOTER + +BLANK + +Appraisal Report +Content Identifier + +An additional identifier that is used +for uniquely identifying appraisal +forms or addendums. This may be an +internal systems identifier. diff --git a/chunks/txt/6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519.txt b/chunks/txt/6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c2eae7ecdf20f28e5bd8b65b6aa51572a756774 --- /dev/null +++ b/chunks/txt/6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519.txt @@ -0,0 +1,19 @@ +Contracts and purchase orders are definitive contracting mechanisms that define specific performance periods, prices, and terms. Contracts typically are for larger acquisitions greater than $350,000, and purchase orders are usually for smaller amounts. + +- ### Acquisitions $15,000 and Less + +- When a requirement is $15,000 or less, competitive pricing is not required. Awards may be made directly using the FHFA purchase card. +- FHFA prefers this method for acquiring low-cost goods and administrative services because it is efficient, cost effective, and saves money. +- ### Acquisitions $350,000 and Less + +- FHFA uses simplified acquisition procedures for contracting requirements that are not complex in nature and are $350,000 or less. +- We may make telephone calls or issue written requests for quotes from generally a minimum of three firms. Award documents are typically commercial (short form) contracts. +- ### Contracts Greater than $350,000 + +- FHFA uses more formal contracting procedures for requirements that are complex and greater than $350,000. We issue formal solicitations and award contracts for these requirements. +- We generally solicit a minimum of three firms. Award decisions are generally based on a best-value basis to responsible firms. +- ### Noncompetitive Acquisition + +- If FHFA determines only one firm can provide the goods or services required, we use noncompetitive contracting procedures following the Competition in Contracting Act of 1984. +- Unique situations may and do arise in which competitive acquisition is not possible. These generally involve urgent or specialized requirements. +## Contracting on a Best-Value Basis diff --git a/chunks/txt/6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695.txt b/chunks/txt/6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a78d48328648951af55abbe8a9ec2bd711a3d7b --- /dev/null +++ b/chunks/txt/6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/enterprise-non-performing-loan-sales-report" +date_accessed: "2026-01-27T17:48:04.326Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9.txt b/chunks/txt/619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9.txt new file mode 100644 index 0000000000000000000000000000000000000000..51216009557a386b96c71215ba91afec8ccacac9 --- /dev/null +++ b/chunks/txt/619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9.txt @@ -0,0 +1,56 @@ +Appraiser Certifications (H1) + +• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +o Numbers set Myriad Pro Bold, followed by a period to text. + +• + +“Description:” (Certification #6) indent 1 pica 6 points and sets as TXC-NPI-B Myriad Pro Bold (lead in to +Myriad Pro Regular text) x 45 picas. + +Additional Appraiser Certifications (H2) + +• + +“Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.” sets as +TXC-I Myriad Pro Italic x 45 picas. + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +o Numbers set Myriad Pro Bold, followed by a period to text. + +Supervisory Appraiser Certifications (H1) + +• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +o Numbers set Myriad Pro Bold, followed by a period to text. + +Appendix E: Report Style Guide + +Page 89 of 90 + +Version 1.4 + +Additional Supervisory Appraiser Certifications (H2) + +• + +“Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser +Certifications.” sets as TXC-I Myriad Pro Italic x 45 picas. + +• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +o Numbers set Myriad Pro Bold, followed by a period to text. + +Signature (H1) + +Left-hand side of page + +• + +“[Role]” sets as TX-B (brackets do not set, they indicate a placeholder). diff --git a/chunks/txt/61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c.txt b/chunks/txt/61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c.txt new file mode 100644 index 0000000000000000000000000000000000000000..02088b8dc1fd507d424f266fac144d8a04c14bb0 --- /dev/null +++ b/chunks/txt/61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c.txt @@ -0,0 +1,119 @@ +Homeowner’s +Association Dues + +18.4 | +8.10.1 + +Initial Escrow +Payment at Closing – +Borrower-Paid ($) + +…/INTEGRATED_DISC +LOSURE_SECTION_S +UMMARY_DETAIL + +IntegratedDisclosure +SectionTotalAmount + +412.25 + +18.4 | +8.10.1 + +Initial Escrow +Payment at Closing + +IntegratedDisclosure +SectionType + +InitialEscrowPayment +AtClosing + +N/A - XML + +18.5 | +5.4.1 + +…/PROJECTED_PAYM +ENT + +@SequenceNumber 1 + +ROF as “$3,461.76” + +ROF as +“Homeowner’s +Insurance, Property +Taxes, MI” + +Represented on from +as “$1800.00” + +Represented as +“Homeowner’s +Association Dues” + +ROF as “$412.25” + +Represented on the +form as “Initial +Escrow Payment at +Closing” + +Not shown – part of +mapping for +Projected Payments +table + +ProjectedPaymentEst +imatedEscrowPayme +ntAmount + +288.48 + +ROF as “$288.48” + +…/LOAN_DETAIL + +EscrowIndicator + +true + +ROF as “ will have +an escrow account” + +18.5 | +5.4.1 + +Monthly Escrow +Payment ($) + +18.1 | +5.4 + +…  will have an +escrow account… + +1. MAPPI NG GUI DANCE + +18.1 Although the EscrowIndicator also supports 5.4 in the Projected Payments table, it is included in the UCD + +XML file only once. + +18.2 | 18.2.1 | 18.3 | 18.3.1 The data points used to populate these fields (First Year Total Escrow Payment + +Amount, First Year Total Escrow Payment Description, First Year Total Non Escrow Payment Amount, +and First Year Total Non Escrow Payment Description) are unique to the Closing Disclosure and are + +Appendix E: UCD Implementation Guide + +Page 193 of 254 + +Version 1.4 + +Uniform Closing Dataset + +18.0 Escrow Account - UPDATED + +calculated and disclosed according to the Regulation. For this reason, they are included in the document- +specific INTEGRATED_DISCLOSURE_DETAIL. diff --git a/chunks/txt/61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821.txt b/chunks/txt/61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821.txt new file mode 100644 index 0000000000000000000000000000000000000000..1bf1f3cec40c99a32170410ca17d1db3c2e483b4 --- /dev/null +++ b/chunks/txt/61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821.txt @@ -0,0 +1,184 @@ +Assessor Record + +Analysis of Prior Sale and Transfer History of Comparable Sales Comp#1: Kitchen and Bathrooms have been upgraded and updated since +the last sale. + +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 16 of 22 +Page 16 of 22 + +Sales Comparison Approach + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +456 Something Rd +Somewhere, VA 12345 + +35361 Place Rd +Somewhere, VA 12345 + +38243 Liberty Rd +Somewhere, VA 12345 + +35422 Peace Rd +Somewhere, VA 12345 + +0.40 Miles N + +$789,000 + +Settled Sale + +— + +$770,000 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +None + +None + +This is where the Dwelling +Front photo would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +Assessor Record | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Annual Ground Rent + +Site + +Site Size + +$799,900 + +Pending + +$765,000 + +No + +08/20/2019 + +79 + +Detached + +Leasehold + +$1,200 + +0.9 Miles N + +$839,999 + +Settled Sale + +— + +$810,000 + +$0 + +$0 + +$0 + +No + +06/01/2019 + +08/01/2019 + +7 + +Detached + +Leasehold + +$1,250 + +0.56 Miles E + +$839,900 + +Settled Sale + +— + +$820,000 + +$0 + +$0 + +$0 + +Unknown + +07/01/2018 + +01/01/2019 diff --git a/chunks/txt/61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f.txt b/chunks/txt/61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b3f76baf86fadda5176a37e6e1d86cdd9ac36a1 --- /dev/null +++ b/chunks/txt/61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f.txt @@ -0,0 +1,73 @@ +DOE + +Rating +HERS + +Home Energy Score + +Financing Arrangement + +Score +65 + +7 + +Check #A + +Energy Efficient and Green Features Impact to Value/Marketability + +Impact to Value/Marketability + +Neutral + +Description The solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is +sold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference +of any purchaser of the property. + +Energy Efficient and Green Features Commentary + +The Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion +of market value for the subject. The subject and comparable #2 have solar panels and had energy audits that provided efficiency ratings. +Analysis of the data available indicates there is no measurable impact on market value. Analysis indicated that properties with energy efficient +features and certifications have, on average, a lower number of days on market than properties with no energy efficiency noted. + +Energy Efficient and Green Features Exhibits + +Solar Panels + +HERS Score + +This is where the Solar Panel photo would display. + +DOE Score + +This is where the image of the Home Energy Score would display. + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 5 of 22 +Page 5 of 22 + +Sketch + +Measurement Standard + +ANSI + +Sketch + +22' + +' + +2 + +Bath + +Walk in +Closet + +Family +Room diff --git a/chunks/txt/61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c.txt b/chunks/txt/61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2b14a1df718353f31c8419bf9dc6a365f103bb7 --- /dev/null +++ b/chunks/txt/61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c.txt @@ -0,0 +1,129 @@ +The same data points used for 1.6 also populate 17.6 Security Interest, and appear in the XML file only once. + +Table 14. Property includes Personal Property + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +1.6 + +Property + +…/COLLATERAL/PLE +DGED_ASSET/ASSET +_DETAIL + +AssetType + +SavingsBond + +Appendix E: UCD Implementation Guide + +Page 35 of 254 + +Version 1.4 + +Uniform Closing Dataset + +1.0 Closing Information + +Table 14. Property includes Personal Property + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +AssetTypeOtherDesc +ription + +N/A + +Not provided unless +Asset Type is “Other” + +1. 7 SALE PRI CE / APPRAI SED PROP. VALUE / EST I MATED PROP. VALUE + +The form field name for 1.7 depends on the type of transaction and is determined by the value entered in 3.2 +Purpose (Figure 11). + +1. SALE PRI CE (PURCHASE TRANSACTI ON) + +For purchase transactions, “Purchase” is entered for 3.2 Purpose, so the form field name for 1.7 must be Sale +Price, as illustrated in Figure 11. + +1.0 Closing Information + +2.0 Transaction Information + +3.0 Loan Information + +1.1 Date Issued + +4/15/2018 + +2.1 Borrow er Michael Jones & Mary Stone + +3.1 Loan Ter m + +30 Years + +1.2 Closing Date + +4/18/2018 + +1.3 Disbursement Date 4/19/2018 + +123 Anywhere Street + +3.2 Purpose + +Purchase + +Anytown, ST 12345 + +3.3 Product + +5/3 Adjustable Rate + +1.4 Settlement Agent + +Epsilon Title Company + +2.2 Seller + +Steve Cole and Amy Doe + +1.5 File # + +CD-3456 + +321 Somewhere Drive + +3.4 Loan Type + + Conventional  FHA + +1.6 Property + +456 Somewhere Avenue, #284 diff --git a/chunks/txt/61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc.txt b/chunks/txt/61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..5cb3bfa26174913c2c9c062e742ae6ba69c1ec11 --- /dev/null +++ b/chunks/txt/61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc.txt @@ -0,0 +1,61 @@ +999.357 | 999.392 + +…ROLE/REAL_ESTATE_AGENT + +999.289/999.290/999.291 | +999.595/999.424/999.425 | +999.593/999.322/999.323 + +LICENSES/LICENSE/LICENSE_DETAIL + +LEGAL_ENTITY + +999.429 | 999.262 | 999.398 | +999.295 | 999.440 | 999.327 | +999.363 + +PARTY + +Holds RealEstateAgentType identifying the +RealEstateAgent as the “Listing” or “Selling” agent. +The Listing agent represents the property seller and +the Selling agent represents the property buyer. + +This structure ending with LICENSE_DETAIL holds the +Nationwide Multistate Licensing System & Registry +(NMLS) LicenseIdentifier for the individual lender and +mortgage broker, and the LicenseIdentifier for the +individual closing agent. + +▪ These PARTY containers hold borrower or seller (if +a legal entity) and the companies that were part of +the transaction. + +▪ A minimum of three instances of PARTY under + +DEAL must exist in every XML file for the +borrower, lender and settlement agent. + +▪ Note that one other PARTY (under DEAL_SETS) is +also required in every XML file to identify the file +submitter. See III.A.2.b File Submitter Data. + +999.433/999.434 | 999.264/999.265 +| 999.400/999.401 | +999.297/999.298 | 999.444/999.445 +| 999.329/999.330 | +999.365/999.366 + +999.435/999.436 | 999.266/999.267 +| 999.402/999.403 | +999.299/999.300 | 999.446/999.447 +| 999.331/999.332 | +999.367/999.368 + +999.437/999.438/999.439 | +999.268/999.269/999.275 | +999.404/999.405/999.410 | +999.301/999.302/999.609 | +999.448/999.449/999.450 | +999.333/999.334/999.342 | +999.369/999.370/999.377 diff --git a/chunks/txt/61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9.txt b/chunks/txt/61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d5d5504456d063d328cea894101b99159d7a2f0 --- /dev/null +++ b/chunks/txt/61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9.txt @@ -0,0 +1,46 @@ +The Affidavit must be signed by both the lender and the borrower(s), preferably recorded, and must be retained in the loan +file. + +Failure to include the Affidavit of Affixture in the loan file may result in the loan being ineligible for delivery to Fannie Mae. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 189 of 166 + +UAD 3.6 Policy +• + +If state law requires a Uniform Commercial Code (UCC) filing in order to perfect a security interest in a manufactured +home, the lender must make such filing in any and all appropriate locations. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 190 of 166 + +UAD 3.6 Policy + +SE-3, Acronyms and Glossary of Defined Terms + +Note: The following terms are NOT included in the current Selling Guide. + +E-3-13, Acronyms and Glossary of Defined Terms: M (12/10/2025) + +multi-section manufactured home + +A manufactured home built in a factory as two or more sections, transported separately to the site, and assembled to create a single +structure containing one dwelling or multiple living units. The home is permanently affixed to the land, legally classified as real +property, and may include multi-story structures as permitted by HUD Code. + +E-3-16, Acronyms and Glossary of Defined Terms: P (06/04/2025) + +property data collection + +The act of physically or virtually observing and reporting property characteristics. + +E-3-19, Acronyms and Glossary of Defined Terms: S (12/10/2025) + +single-section manufactured home + +A manufactured home built as a single section in the factory and transported intact to the site. The home is permanently affixed to the +land, legally classified as real property, and may include multi-story designs (provided the structure on which the manufactured home +is placed is not another manufactured home). diff --git a/chunks/txt/61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60.txt b/chunks/txt/61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0258cde8239b510ce42d27587276f48e1dfac5e --- /dev/null +++ b/chunks/txt/61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/19","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"extlink_extra":{"extlink_alert_type":"page","extlink_modal_width":0,"extlink_alert_timer":0,"extlink_alert_url":"https:\/\/www.fhfaoig.gov\/now-leaving","extlink_cache_fix":0,"extlink_exclude_warning":".*\\.gov","extlink_508_fix":1,"extlink_508_text":" [external link]","extlink_url_override":0,"extlink_url_params":[]},"google_analytics":{"account":"UA-27672623-1","trackOutbound":true,"trackMailto":true,"trackDownload":true,"trackDownloadExtensions":"7z|aac|arc|arj|asf|asx|avi|bin|csv|doc(x|m)?|dot(x|m)?|exe|flv|gif|gz|gzip|hqx|jar|jpe?g|js|mp(2|3|4|e?g)|mov(ie)?|msi|msp|pdf|phps|png|ppt(x|m)?|pot(x|m)?|pps(x|m)?|ppam|sld(x|m)?|thmx|qtm?|ra(m|r)?|sea|sit|tar|tgz|torrent|txt|wav|wma|wmv|wpd|xls(x|m|b)?|xlt(x|m)|xlam|xml|z|zip"},"responsive_menus":[{"toggler_text":"\u2630 Menu","selectors":["#block-mainnavigation"],"media_size":"768","media_unit":"px","absolute":1,"disable_mouse_events":0,"remove_attributes":1,"responsive_menus_style":"responsive_menus_simple"}],"data":{"extlink":{"extTarget":true,"extTargetNoOverride":false,"extNofollow":false,"extNoreferrer":false,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":"","extInclude":"","extCssExclude":"","extCssExplicit":"","extAlert":false,"extAlertText":"\u0026lt;h1\u0026gt;WARNING: You are about to leave the government site\u0026lt;\/h1\u0026gt;\r\n\r\n\u0026lt;div class=\u0026quot;extlink-extra-leaving\u0026quot;\u0026gt;Legal text about leaving the government web space. Once you have read this, you may continue to \u0026lt;a class=\u0026quot;ext\u0026quot; href=\u0026quot;[extlink:external-url]\u0026quot; rel=\u0026quot;noopener noreferrer\u0026quot; target=\u0026quot;_blank\u0026quot;\u0026gt;[extlink:external-url]\u0026lt;span class=\u0026quot;ext\u0026quot; aria-label=\u0026quot;(link is external)\u0026quot;\u0026gt;\u0026lt;\/span\u0026gt;\u0026lt;\/a\u0026gt;.\u0026lt;\/div\u0026gt;\r\n","mailtoClass":"0","mailtoLabel":"(link sends email)","extUseFontAwesome":false,"extIconPlacement":"append","extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","whitelistedDomains":null}},"viewsSlideshowCycle":{"#views_slideshow_cycle_main_slideshow_graphics_view-block_1":{"num_divs":1,"id_prefix":"#views_slideshow_cycle_main_","div_prefix":"#views_slideshow_cycle_div_","vss_id":"slideshow_graphics_view-block_1","effect":"fade","transition_advanced":1,"timeout":3000,"speed":700,"delay":0,"sync":1,"random":0,"pause":1,"pause_on_click":0,"action_advanced":0,"start_paused":0,"remember_slide":0,"remember_slide_days":1,"pause_in_middle":0,"pause_when_hidden":0,"pause_when_hidden_type":"full","amount_allowed_visible":"","nowrap":0,"fixed_height":1,"items_per_slide":1,"items_per_slide_first":0,"items_per_slide_first_number":1,"wait_for_image_load":1,"wait_for_image_load_timeout":3000,"cleartype":0,"cleartypenobg":0,"advanced_options":"{}","advanced_options_choices":0,"advanced_options_entry":""}},"viewsSlideshow":{"slideshow_graphics_view-block_1":{"methods":{"goToSlide":["viewsSlideshowSlideCounter","viewsSlideshowPager","viewsSlideshowCycle"],"nextSlide":["viewsSlideshowSlideCounter","viewsSlideshowPager","viewsSlideshowCycle"],"pause":["viewsSlideshowControls","viewsSlideshowCycle"],"play":["viewsSlideshowControls","viewsSlideshowCycle"],"previousSlide":["viewsSlideshowSlideCounter","viewsSlideshowPager","viewsSlideshowCycle"],"transitionBegin":["viewsSlideshowSlideCounter","viewsSlideshowPager"],"transitionEnd":[]},"paused":0}},"superfish":{"superfish-main":{"id":"superfish-main","sf":{"animation":{"opacity":"show","height":"show"},"speed":"fast","autoArrows":false,"dropShadows":false},"plugins":{"touchscreen":{"disableHover":0,"cloneParent":0,"mode":"window_width","breakpoint":980},"smallscreen" diff --git a/chunks/txt/61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e.txt b/chunks/txt/61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..10bb2d25334f54b7a8b4cd56355327e339ea82fe --- /dev/null +++ b/chunks/txt/61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e.txt @@ -0,0 +1,207 @@ +This field should be populated if field 1-94 +(Site Zoning Compliance Type = 'Illegal') is +indicated. + +One and only one of fields 1-96, 1-97 (values +of Highest and Best Use Indicator) should be +indicated. + +One and only one of fields 1-96, 1-97 (values +of Highest and Best Use Indicator) should be +indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 38 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +106 + +107 + +108 + +109 + +110 + +111 + +112 + +113 + +114 + +115 + +116 + +117 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +100 + +SITE + +Utilities +Electricity +Other + +Site Utility Non +Public Indicator + +Indicates whether the utility specified +by Site Utility Type is a non-public +utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='Electricity']/@_Non +PublicIndicator + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +If no electric service is present, indicate 'None' in the description field. + +Utilities +Electricity +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe +the ownership of the utility specified +by Site Utility Type if it is a non- +public utility. diff --git a/chunks/txt/620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612.txt b/chunks/txt/620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612.txt new file mode 100644 index 0000000000000000000000000000000000000000..919a5e806c162eecf34419908f8b3222285746ad --- /dev/null +++ b/chunks/txt/620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612.txt @@ -0,0 +1,29 @@ +Have R​acial and ​Ethnic Valuation Gaps in Home Purchase Narrowed? + +[New Measures in the UAD Aggregate Statistics: Opportunities to Explore Data on Comparable Properties and Structural, Lot, and Neighborhood Characteristics](/blog/statistics/new-measures-in-the-uad-aggregate-statistics) + +[Using the New UAD Aggregate Statistics Top 100 Metro Areas Dashboard to Explore Changes in Median Appraisal Values](/blog/statistics/using-the-new-uad-aggregate-statistics-top-100-metro-areas-dashboard-to-explore-changes-in-median-appraisal-values) + +[How Similar Are Appraisal Values and House Prices?](/blog/statistics/how-similar-are-appraisal-values-and-house-prices) + +[What Do the UAD Aggregate Statistics Reveal About Home Sizes During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-home-sizes-during-pandemic) + +[What Do the UAD Aggregate Statistics Reveal About Rising Home Appraisals During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-rising-home-appraisals-during-pandemic) + +[FHFA Uniform Appraisal Dataset Aggregate Statistics: A New Resource to Provide Insights on Home Valuation](/blog/statistics/fhfa-uniform-appraisal-dataset-aggregate-statistics) + +### FHFA Insights Bl​og + +[Exploring Appraisal Bias Using UAD Aggregate Statistics](/blog/insights/exploring-appraisal-bias-using-uad-aggregate-statistics) + +Page Updated: March 4, 2025 + +- **Other Data** + +[UAD Appraisal Level PUF](/data/uad/puf) (10/28/2024) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c.txt b/chunks/txt/62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c.txt new file mode 100644 index 0000000000000000000000000000000000000000..9d01eb438c6e76dd40caecf186ca153208e71eb6 --- /dev/null +++ b/chunks/txt/62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c.txt @@ -0,0 +1,107 @@ +4.3.1 $761.78 + +4.3.2 NO/YES + +4.3.3 • Adjusts every 3 years starting in year 6 + +• Can go / Goes as high as $1,870 in year 14 +• Includes only interest and no principal until year + +14 + +• See AP T able on page 4 for details + +Does the loan have these features? If yes: + +4.4 Prepayment Penalty + +4.4.2 NO/YES + +4.4.3 • As high as $1,000 if you pay off the loan during + +the first 5 years + +4.5 Balloon Payment + +4.5.2 NO/YES + +4.5.3 • You will have to pay $149,263 at the end of + +year 7. + +Appendix E: UCD Implementation Guide + +Page 60 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +Figure 30. Loan Terms Table + +As illustrated by the Appendix I excerpts for 4.1.3 – 4.5.3, these “dynamic” boilerplate statements are based on +values in discrete data points. See V. Consolidated Mapping Guidance entry for “Boilerplate.” + +4. 1 LOAN AMOUNT + +Loan Amount is the amount of credit to be extended to the borrower(s) under the terms of the legal obligation. + +Along with the note amount, GSE-specific RegulationZTotalLoanAmount is required to support ATR/QM +requirements (see Table 44). + +4.0 Loan Terms + +Can this amount increase after closing? + +4.1 Loan Amount + +4.1.1 $162,000 + +4.1.2 NO + +4.1.3 + +Figure 31. Loan Amount + +Table 44. UCD Loan Amount Data Points + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +UID +4.034 + +GSE (Loan Amount) …/LOAN/HIGH_COST +_MORTGAGES/HIGH +_COST_MORTGAGE + +RegulationZTotalLoa +nAmount + +xxxxxx.xx + +Not shown - ATR / +QM + +4.1.1 + +Loan Amount + +…/LOAN/TERMS_OF +_LOAN + +NoteAmount + +162000.00 diff --git a/chunks/txt/6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc.txt b/chunks/txt/6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..8288e7ee335b33c842556c48aa6e73e5d40083cb --- /dev/null +++ b/chunks/txt/6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Contact Us + +​FHFA is an independent federal regulatory agency located in Washington, D.C. with a mission to provide oversight of the Housing Government-Sponsored Enterprises of Fannie Mae, Freddie Mac and the Federal Home Loan Bank System. Additionally, FHFA is the Conservator of Fannie Mae and Freddie Mac. + +**Address:** + +Constitution Center + 400 7th Street, SW + Washington, D.C. 20219 diff --git a/chunks/txt/621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb.txt b/chunks/txt/621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6af324cb3a9b9a6adb9ab56c36548c837ea72be --- /dev/null +++ b/chunks/txt/621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb.txt @@ -0,0 +1,100 @@ +Data Definitions +Federal Housing Finance Agency +Federal Home Loan Bank Purchased Mortgage Files +For 2018 Data Release + +AMA_PUDB_definitions_2018.xlsx + +Effective 10/18/16 + +Column + +1 Year +2 Assigned ID +3 Bank +4 FIPSStateCode +5 FIPSCountyCode +6 MSA + +7 FeatureID +8 Tract +9 MinPer +10 TraMedY +11 LocMedY +12 TractRat +13 Income +14 CurAreY +15 IncRat +16 UPB +17 LTV +18 MortDate +19 AcquDate +20 Purpose + +21 Coop + +22 Product + +23 FedGuar + +24 Term +25 AmorTerm +26 SellType + +27 NumBor +28 First + +Definition +Year Loan was reported +Unique Record ID (Not Actual Loan Number) +Name of Federal Home Loan Bank District +FIPS State Code +FIPS County Code +Core Based Statistical Area +99999=State/County/Tract combination is not located in a CBSA + +Geographic Names Information System (GNIS) Feature ID +Census Tract +Census Tract Minority Percentage +Census Tract Median Family Income in Whole Dollars +Local Area Median Income in Whole Dollars +Tract Income Ratio +Total Borrower(s) Annual Income in Whole Dollars +Area Median Family Income in Whole Dollars +Borrower Income Ratio +Acquisition Unpaid Principal Balance in Whole Dollars +Loan to Value Ratio at Origination +Year of Mortgage Note +Year of Acquisition Note +Loan Purpose +1=purchase; +2=refinancing; +3=second mortgage; +4=new construction; +5=rehabilitation + +Cooperative Unit Mortgage +1=yes; +2=no +Product Type +01=Fixed Rate; +02=ARM; +03=Balloon; +04=GPM/GEM; +05=Reverse Annuity Mortgage; +06=other + +Federal Guarantee +0=no federal guarantee; +1=FHA; +2=VA; +3=FMHA-Guaranteed Rural Housing Loan; +4=HECMs; +5=Title1-FHA + +Term of Mortgage at Origination in months +Amortization Term in months +Type of Acquiring Lender Institution +1=Insured depository institution; +2=Housing Associate; +3=Insurance Company diff --git a/chunks/txt/621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02.txt b/chunks/txt/621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02.txt new file mode 100644 index 0000000000000000000000000000000000000000..544457c4d0f87f4aa81547d3296965d2e94609bb --- /dev/null +++ b/chunks/txt/621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02.txt @@ -0,0 +1,211 @@ +Cost Analysis +Comment + +Estimated +Remaining +Economic Life Years +Count + +Site Estimated Value +Amount + +A free-form text field used to further +describe the application of the Cost +Approach valuation method to the subject +property. +Specifies the estimated remaining +economic life of property improvements. +This value is used in calculating the +depreciation of the property +improvements +The dollar value estimated for the +property site (e.g. land that is improved +so that it is ready to be used for a specific + +389 + +390 + +391 + +392 + +393 + +394 + +395 + +396 + +397 + +398 + +399 + +400 + +401 + +402 + +403 + +404 + +405 + +406 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +8 + +9 + +COST APPROACH Source of Cost Data + +10 + +COST APPROACH Quality Rating from Cost Service + +11 + +COST APPROACH Effective Date of Cost Data + +12 + +COST APPROACH Comments on Cost Approach + +13 + +COST APPROACH + +Estimated Remaining Economic +Life + +14 + +COST APPROACH Opinion of Site Value + +15 + +COST APPROACH + +16 + +COST APPROACH + +17 + +COST APPROACH + +18 + +COST APPROACH + +19 + +COST APPROACH + +20 + +COST APPROACH + +21 + +COST APPROACH + +Cost-New Improvements +Dwelling +Sq. Ft. + +Cost-New Improvements +Dwelling +Price/Sq. Ft. + +Cost-New Improvements +Dwelling +Cost +Cost-New Improvements +Other +Description +Cost-New Improvements +Other +Sq. Ft. + +Cost-New Improvements +Other +Price/Sq. Ft. + +Cost-New Improvements +Other +Cost + +23 + +COST APPROACH + +24 + +COST APPROACH + +25 + +COST APPROACH + +Cost-New Improvements +Extras +Cost +Cost-New Improvements +Garage/Carport +Sq. Ft. + +Cost-New Improvements +Garage/Carport +Price/Sq.Ft. + +22 + +COST APPROACH + +Cost-New Improvements +Extras + +New Improvement +Cost Description diff --git a/chunks/txt/6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29.txt b/chunks/txt/6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ccf567fff91dce195bfdb2c2e6db74dfcca9c48 --- /dev/null +++ b/chunks/txt/6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29.txt @@ -0,0 +1,70 @@ +Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 5 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Co-Borrower Ethnicity +1 -- Hispanic or Latino +2 -- Not Hispanic or Latino +3 -- Information not provided by borrower in mail, Internet, or telephone application +5 -- No Co-Borrower + +Co-Borrower Race 2 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Co-Borrower Race 3 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Page 4 of 5 + +Column +75 CoRace4 + +76 CoRace5 + +77 HOEPA + +78 LienStatus + +79 SpcHsgGoals + +80 FedFinStbltyPlan + +81 AcqTyp + +82 GSEREO + +AMA_PUDB_definitions_2018.xlsx + +Definition +Co-Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower diff --git a/chunks/txt/6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9.txt b/chunks/txt/6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..d758c1cf9b7145092b12c0b2a7db6fcef9df045e --- /dev/null +++ b/chunks/txt/6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9.txt @@ -0,0 +1,29 @@ +6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to +the date of sale of the comparable sale, unless otherwise indicated in this report. + +7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. + +8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that +has been built or will be built on the land. + +9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject +property and the comparable sales. + +10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in +the sale or financing of the subject property. + +11. I have knowledge and experience in appraising this type of property in this market area. + +12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing +services, tax assessment records, public land records and other such data sources for the area in which the property is located. + +13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from +reliable sources that I believe to be true and correct. + +14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject +property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I +have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the +subject property or that I became aware of during the research involved in performing this appraisal. I have considered these +adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and +marketability of the subject property. diff --git a/chunks/txt/623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d.txt b/chunks/txt/623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba2ecc3e6b6eaf28902bc52285c16812ffbab3c0 --- /dev/null +++ b/chunks/txt/623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d.txt @@ -0,0 +1,96 @@ +UID + +MISMO +v3.3.0 +Data Point +Name + +8.196 + +FeeType + +Preview of Update to Critical Edits Matrix (One Cell Only) + +UCD Supported Enumerations +(blue underlined text indicates new accepted +value) + +Criteria/Conditionality + +DocumentaryStampFee | FilingFee | +MortgageSurchargeCountyOrParish | +MortgageSurchargeMunicipal | +MortgageSurchargeState | +MunicipalLienCertificateFee | Other | + +No change +Must exist for all loans +when tax listed in Col F +in an amount ≠ "0" is +reported on the CD + +Critical Edit +will fire +when: + +Required +for +Complete +Line Item + +No change + +No change + +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +Confidential + +Fannie Mae Confidential + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by +Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +UID + +MISMO +v3.3.0 +Data Point +Name + +Preview of Update to Critical Edits Matrix (One Cell Only) + +UCD Supported Enumerations +(blue underlined text indicates new accepted +value) + +Criteria/Conditionality + +Critical Edit +will fire +when: + +Required +for +Complete +Line Item + +under E. Taxes And +Other Government +Fees + +PowerOfAttorneyRecordingFee | +RecordingFeeForAssignment | +RecordingFeeForMunicipalLienCertificate | +RecordingFeeForRelease | +RecordingFeeForSubordination | +TaxStampForCityDeed | +TaxStampForCityMortgage | +TaxStampForCountyDeed | +TaxStampForCountyMortgage | +TaxStampForStateDeed | +TaxStampForStateMortgage | TransferTaxTotal + +4. Do not use UID 8.234-FeeTypeOtherDescription unless you have recorded on the CD a tax- +related fee that is not covered by one of the UCD-supported enumerations. All MISMO v3.3 +FeeTypes related to taxes are now supported by UCD. diff --git a/chunks/txt/623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0.txt b/chunks/txt/623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b76c96a8847c80db7c5adc95bb2cc970b70d889 --- /dev/null +++ b/chunks/txt/623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0.txt @@ -0,0 +1,119 @@ +Enumerated + +This field is required if field e-10 (GSE +Update Last Fifteen Year Indicator) +indicates improvements occurred in the +last 15 years. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 103 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +293 + +2 + +e-12 + +UNIT +DESCRIPTION + +Describe the condition of the +property (including needed +repairs, deterioration, +renovations, remodeling, etc.) + +GSE Improvement +Description Type + +The level of work completed on the +subject property. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CONDITION_DETAIL +_EXTENSION/CONDITION_DETAIL_EXTENSION_SECTION[@ExtensionSe +ctionOrganizationName='UNIFORM APPRAISAL +DATASET']/CONDITION_DETAIL_EXTENSION_SECTION_DATA/CONDIT +ION_DETAIL[@_SequenceIdentifier='1..2']/@GSEImprovementDescriptionType + +UAD Requirement - Refer to Appendix D Improvements Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +NotUpdated not updated +Updated updated +Remodeled remodeled + +This field is required once for each +occurrence of field e-11 (GSE +Improvement Area Type). + +CR + +CR + +CR + +294 + +2 + +e-13 + +UNIT +DESCRIPTION diff --git a/chunks/txt/624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56.txt b/chunks/txt/624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56.txt new file mode 100644 index 0000000000000000000000000000000000000000..96a1c8e4323be315653e02d378b3267b248a3ebc --- /dev/null +++ b/chunks/txt/624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56.txt @@ -0,0 +1,23 @@ +[View More](/data/dashboard/fhfa-hpi-county-map) + +- ## FHFA HPI® Summary Table + +A summary data table of state, city, and census division indexes for the most current period. It is based on the purchase-only, seasonally adjusted index using prices from sales transactions of mortgage data obtained from the Enterprises. + +[View More](/house-price-index?tab=HPI%20Summary%20Table) + +- ## FHFA HPI® ZIP5 Map + +A map displaying annual house price appreciation rates at the five-digit ZIP code level. Based on a developmental all-transactions index. Indexes are constructed on a yearly basis to provide data for very small geographic areas. Minor adjustments were made to produce more localized measures. + +[View More](/data/dashboard/fhfa-hpi-zip5-map) + +- ## National Mortgage Database (NMDB®) Residential Mortgage Performance Statistics Dashboard + +Interactive data visualization tool for displaying the data published in the Residential Mortgage Performance Statistics data series of the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables. + +[View More](/data/dashboard/nmdb-residential-mortgage-performance-statistics) + +- ## Uniform Appraisal Dataset (UAD) Aggregate Statistics Dashboards + +The UAD Aggregate Statistics Dashboards are the visual front end of the [UAD Aggregate Statistics](/data/uad) Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Through the Dashboards, users may access a broad set of data points and trends found in appraisal reports, and group appraisal statistics by property, site and neighborhood characteristics, and geographic levels (national, state plus the District of Columbia and Puerto Rico, Metropolitan Statistical Areas (MSAs) or Metropolitan Divisions, county, and tract). diff --git a/chunks/txt/6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf.txt b/chunks/txt/6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ed05e52de9819c297538465fe0b6b66deb59225 --- /dev/null +++ b/chunks/txt/6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/examiner-resources" +date_accessed: "2026-01-27T17:47:55.166Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488.txt b/chunks/txt/6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba3af0a0939ea1bda92a9a3dfd71355d27181143 --- /dev/null +++ b/chunks/txt/6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488.txt @@ -0,0 +1,71 @@ +@gse:DisplayLabelText Second Loan + +IntegratedDisclosureSec +tionType + +PaidAlreadyByOrOnBeha +lfOfBorrowerAtClosing + +12.4 N/A + +…/LOAN_DETAIL TotalSubordinateFinanci + +100000.00 + +ngAmount + +ROF as “$2,000.00” + +Not shown unless “true” + +ROF as “Second Loan” + +Not Shown – ties +associated Closing +Adjustment Item Type to +this SOT section + +ROF as “(Principal +Balance $10,000.00)” + +12. 4 BORROWER’ S SATI SFACTI ON OF SELLER’ S LI EN + +If the borrower is satisfying existing liens that will not be deducted from the sales price, the amount of the +outstanding balance of the loan must be disclosed in 12.4. If a borrower has paid off a seller’s second lien with +funds other than closing funds, any amount paid toward the second mortgage payoff must be disclosed, +indicating the payor and that it was paid outside of closing. Note that this amount is disclosed for information +only, and is not part of the calculation of Cash Due From / To the Borrower. + +Summaries of Transactions +BORROWER’S TRANSACTION + +12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00 + +05 12.4Satisfaction of Junior Lien ($5,000 POC + +12.4.1 + +Borrower) + +0612.5 Seller Credit + +12.5.1 + +$2,500.00 + +Appendix E: UCD Implementation Guide + +Page 175 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +Figure 102. Borrower’s Satisfaction of Seller’s Lien + +The data points used to provide this information are shown in the table below. When a borrower satisfies the +seller’s external liability as a condition of the sale, it is disclosed as 12.4 using LiabilityDescription. The liability +and dollar amount are disclosed for information purposes only and the amount is not used in the +determination of cash to close. diff --git a/chunks/txt/625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6.txt b/chunks/txt/625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6.txt new file mode 100644 index 0000000000000000000000000000000000000000..432798d3ce6017d51620e942814816957f416608 --- /dev/null +++ b/chunks/txt/625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6.txt @@ -0,0 +1,19 @@ +VA Regional Loan Centers: Contact +Information + +https://www.benefits.va.gov/homeloans/contact_rlc_info.asp + +Release Support + +VA Version 3.0 June Release will be implemented in the DU integration environment on or about May 11, 2022. Integration +partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation. + +If you have questions about the integration impact or if you require support specific to this release, contact Integration Support. +For more information about DU, visit the DU & DO web page or contact your Fannie Mae Business Account Management Solutions +(BAMS) team or your Digital Alliances Manager. + +© 2022 Fannie Mae. Trademarks of Fannie Mae. + +5.11.22 + +1 of 1 diff --git a/chunks/txt/6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284.txt b/chunks/txt/6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284.txt new file mode 100644 index 0000000000000000000000000000000000000000..45fb576adefb76e26521277922aa011bf368f331 --- /dev/null +++ b/chunks/txt/6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284.txt @@ -0,0 +1,71 @@ +D. Availability: Any vs. Choice Group + +Figure IV-2 illustrates an important container usage concept called “Choice Groups.” As +discussed above, most containers in the V3.0 Reference Model are parents of one or more +child containers. Usually, any or all of the child containers can be used within any +occurrence of the parent, as the business partners’ business requirements dictate. +However, some containers hold child containers that are mutually exclusive. Users must +choose from a selection of two or more child containers. Effectively, this enforces a one- +to-one relationship between the parent and the child selected from the choice group. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 33 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +INDIVIDUAL + +CONTACT_POINTS + +NAME + +LEGAL_ENTITY + +LEGAL_ENTITY_DETAIL + +ADDRESSES + +ADDRESS + +PARTY_ROLE_IDENTIFIERS + +PARTY + +ROLES + +ROLE + +APPRAISER + +APPRAISER_SUPERVISOR + +BORROWER + +CLOSING_AGENT + +LOAN_ORIGINATOR + +TAXPAYER_IDENTIFIERS + +TAXPAYER_IDENTIFIER + +ROLE_DETAIL + +Diagram Legend + +Represents choice group + +Figure IV-2. V3.0 Reference Model – PARTY Container Availability. + +Example IV-4. Container Choice Group + + + +INDIVIDUAL OR LEGAL_ENTITY: In the PARTY container, business partners must +specify whether the information within this container describes an individual or +a legal entity. Depending on the selection, the name of the party will be +reported either in the NAME container for individuals or in the +LEGAL_ENTITY_DETAIL container for non-individuals. diff --git a/chunks/txt/6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633.txt b/chunks/txt/6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd6fa5a48a4f966fd3f0b3352de97021d3649b0a --- /dev/null +++ b/chunks/txt/6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633.txt @@ -0,0 +1,91 @@ +N O T E : In UCD v2.0 the following v1.5 MortgageType enumerations have been removed to align with ULDD: +LocalAgency | Other | StateAgency. + +UCD v2.0 Implementation Guide + +- 127 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 108. XML Snippet - Example of REFINANCE and TERMS_OF_LOAN Data. + + +… + + + + + + + +true + + + + +FirstLien + Refinance + Conventional + 579000 + 3.875 + + + +… + + +UCD v2.0 Implementation Guide + +- 128 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +W. UNDERWRITING DATA + +The final set of data points that is used to help the GSEs identify loans across UMDP datasets provides the automated +underwriting system (AUS) and AUS identifier. UCD v2.0 indicates that one or both of the DU and LPA AUS Identifiers may be +provided. + +Table 67. XML File Container Structure for Underwriting Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +999.575 + +UNDERWRITING + +Holds containers categorizing underwriting information. + +999.576 + +AUTOMATED_UNDERWRITINGS + +999.577 + +AUTOMATED_UNDERWRITING + +Groups one or more sets of automated underwriting data +points. + +Holds data points describing an automated underwriting +transaction. + +999.578 + +UNDERWRITING_DETAIL + +Holds data points describing the underwriting process. + +Table 68. UCD v2.0 Spec Excerpt – AutomatedUnderwritingSystemType Data Requirements. diff --git a/chunks/txt/627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7.txt b/chunks/txt/627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7.txt new file mode 100644 index 0000000000000000000000000000000000000000..d93b301ad8a5a1992303de2f5256f28954d1c185 --- /dev/null +++ b/chunks/txt/627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7.txt @@ -0,0 +1,61 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='FunctionalUtility']/@_Description + +Functional Utility Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='FunctionalUtility']/@_Amount + +Heating/Cooling + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='HeatingCooling']/@_Description + +Heating/Cooling Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='HeatingCooling']/@_Amount + +Energy Efficient Items + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='EnergyEfficient']/@_Description diff --git a/chunks/txt/62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27.txt b/chunks/txt/62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27.txt new file mode 100644 index 0000000000000000000000000000000000000000..e603b53444d6fa9401384f23c6fdb8302cfa6c97 --- /dev/null +++ b/chunks/txt/62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27.txt @@ -0,0 +1,21 @@ +[### Appendix H-2: UAD Compliance Rules - Update Report + +This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-2-uad-compliance-rules-update-report.xlsx) + +## Completion Report + +[### Appendix A-3: UAD Completion Report Delivery Specification + +This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.](/docs/xls/requirements/appendix-a-3-completion-report-delivery-specification.xlsx) + +[### Appendix B-3: Completion Report Implementation Guide (iGuide) + +This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.](/docs/pdf/requirements/appendix-b-3-completion-report-implementation-guide.pdf) + +[### Appendix C-3: Completion Report Layout + +This zip file contains the Completion Report Layout with Report Field IDs and the Completion Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.](/docs/zip/requirements/appendix-c-3-completion-report-layout.zip) + +[### Appendix D-3: Completion Report Sample Scenarios and XML Files + +This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-3-completion-report-sample-scenarios-and-xml-files.zip) diff --git a/chunks/txt/62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d.txt b/chunks/txt/62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d.txt new file mode 100644 index 0000000000000000000000000000000000000000..2cb480ba1fb00bd4f226fb020d830fffc42f1e9d --- /dev/null +++ b/chunks/txt/62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d.txt @@ -0,0 +1,43 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Signature + +Appraiser +John P. Appraiser +John P. Appraiser + +05/04/2023 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +1234ABCD +TX +12/31/2024 + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Condominium Scenario 1 (Condo1) + +Introduction + +This report is for the refinance of a condominium apartment in a midrise building. The subject unit +contains two bedrooms, two full bathrooms, a fireplace, and a private balcony. The unit contains 1,092 +sq. ft. and is located on the second floor of the building. Its kitchen and bathrooms were renovated with +high-end finishes. The floorplan meets local expectations for flow and utility. Due to its many updates, +the subject unit shows nicely. It also contains two separately deeded garage parking spaces. diff --git a/chunks/txt/62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27.txt b/chunks/txt/62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27.txt new file mode 100644 index 0000000000000000000000000000000000000000..696eaf523cebacd8611bf3666134770f056ddc05 --- /dev/null +++ b/chunks/txt/62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27.txt @@ -0,0 +1,5 @@ +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) ....................................................................... 292 + +Summary .................................................................................................................................................................................................................................. 293 + +Reconciliation of Sales Comparison Approach ......................................................................................................................................................................... 294 diff --git a/chunks/txt/62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b.txt b/chunks/txt/62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b.txt new file mode 100644 index 0000000000000000000000000000000000000000..05c4f5d284bf61802171116acfa7dc7da2d8feab --- /dev/null +++ b/chunks/txt/62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +![row of homes](/sites/default/files/styles/desktop_hero/public/2025-03/NMDB-hero.jpg.webp?itok=ZQfXHL5b) + +# National Mortgage Database (NMDB®) Aggregate Statistics + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - National Mortgage Database (NMDB®) Aggregate Statistics diff --git a/chunks/txt/62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe.txt b/chunks/txt/62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0498122ef13926a4152378df6afcae740607580 --- /dev/null +++ b/chunks/txt/62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe.txt @@ -0,0 +1,9 @@ +The Federal Housing Finance Agency (FHFA) has completed a comprehensive review of the agency’s policy for guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises). FHFA’s review considered multiple factors, including responses to the agency’s June 2014 request for public input, analyses by housing finance market participants of the implied guarantee fee pricing from the Enterprises’ credit risk transfers, and internal analyses of Enterprise pricing, credit guarantee loss data, and modeling. + +FHFA’s review focused on reaching an appropriate balance between FHFA’s statutory obligations to: 1) ensure the safety and soundness of the Enterprises, and 2) foster a liquid national housing finance market. In light of this balance, FHFA determined, based on both internal and external analysis, that the current average level of guarantee fees appropriately reflects the current costs and risks associated with providing the Enterprises’ credit guarantee. + +​As a result, FHFA finds no compelling economic reason to change the general level of fees. FHFA, however, is making certain minor and targeted fee adjustments. To implement these decisions, the agency is directing the Enterprises to make changes to their guarantee fees that will slightly reduce, maintain, or increase costs for different categories of loans. Since all of the guarantee fee changes are small, the agency does not expect the adjustments to cause any material changes to the Enterprises’ loan volume in any of the loan categories and expects the small changes to be revenue neutral. + +- FHFA NEWS RELEASE: [FHFA Completes Guarantee Fee Review](/news/news-release/fhfa-completes-guarantee-fee-review-g-fees-to-remain-at-current-levels-with-modest-adjustments) (4/17/2015) +- FHFA FACT SHEET: [Results of Fannie Mae and Freddie Mac Guarantee Fee Review](/news/fact-sheet/results-of-fannie-mae-and-freddie-mac-guarantee-fee-review) (4/17/2015) +## Guarantee Fee Activities diff --git a/chunks/txt/62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f.txt b/chunks/txt/62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f4155effb1069b52be2283575e914d9bd55ba2a --- /dev/null +++ b/chunks/txt/62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f.txt @@ -0,0 +1,35 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +![Cherry Blossoms with Thomas Jefferson Memorial](/sites/default/files/styles/desktop_hero/public/2025-04/hero-4.jpg.webp?itok=N2uQgJy9) + +# News Releases + +Announcements, publications, and news releases covering regulatory changes, policy updates, reports, news, initiatives, and the performance of the Enterprises in the housing finance sector. diff --git a/chunks/txt/62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7.txt b/chunks/txt/62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e58a86caa6f7949790b7131a5aa5fac1bb7d480 --- /dev/null +++ b/chunks/txt/62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7.txt @@ -0,0 +1,95 @@ +CR + +391 + +3 + +e-27 + +SALES +COMPARISON +APPROACH + +Concessions +(Line 2) + +GSE Financing +Type Other +Description + +Text entry for financing type if “Other” is +selected. + +392 + +3 + +e-28 + +SALES +COMPARISON +APPROACH + +Concessions +(Line 2) + +GSE Concession +Amount + +The total known amount of the sales or +financing concessions for the comparable +sale. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEFinancingTypeOtherDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEConcessionAmount + +393 + +3 + +62 + +SALES +COMPARISON +APPROACH + +Concessions +Adjustment +(Line 2) + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='FinancingConcessions']/@_Amount + +11 + +9 + +10 + +Refer to Appendix E for PDF Rendering and Parsing Instructions.. + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This is a free-text field that must contain the appraiser's description of the financing +type if 'Other' is indicated. diff --git a/chunks/txt/6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe.txt b/chunks/txt/6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe.txt new file mode 100644 index 0000000000000000000000000000000000000000..3789a091c2ebe6e43987667093ce4ebb4a43517e --- /dev/null +++ b/chunks/txt/6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe.txt @@ -0,0 +1,53 @@ +Rate Spread: Rate Spread is a +modified HMDA data element that +discloses the difference between the +loan’s Annual Percentage Rate and the +‘‘average prime offer rate’’ for a +comparable transaction, to the third +decimal place. Regulation C previously +required that Rate Spread only be +reported for loans where the spread is +at least 1.50 percentage points.95 The +modified HMDA Rate Spread must +report the Rate Spread of any amount +for all loans.96 Rate Spread meeting the +previous HMDA definition is collected +by the Enterprises and currently +disclosed in the PUDB Single-Family +Census Tract File.97 The PUDB Single- +Family Census Tract File will continue +to disclose Rate Spread as previously +defined under HMDA. + +4. HMDA Single-Family Data Elements +Not Collected by the Enterprises and +Not Included in the PUDB + +Based on the review of the + +Enterprises’ data mapping submissions, +FHFA concluded that the HMDA single- +family data elements listed below are +not collected by the Enterprises from +loan sellers. All of the data elements +except one relate to loan types not +purchased by the Enterprises and, thus, +are not available for reporting. The +remaining data element, Business or +Commercial Purpose, is partially +represented by other data elements in +the PUDB and FHFA does not require +the Enterprises, while in +conservatorship, to collect the rest of the +data from loan sellers solely to populate +the PUDB. Accordingly, these data +elements are not available for inclusion +in the Single-Family PUDB. + +92 12 CFR 1003.4(a)(1) and 1003.5(a)(3). For + +purposes of HMDA, the ‘‘originator’’ represented in +the LEI is the ‘‘the financial institution that made +the credit decision approving the application before +closing or account opening.’’ Official +Interpretations, comment 4(a)–2(i). diff --git a/chunks/txt/63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c.txt b/chunks/txt/63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8bcc99e4d72f40db5ea7562746abca0eeb6391c2 --- /dev/null +++ b/chunks/txt/63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c.txt @@ -0,0 +1,80 @@ +“Legally Rentable” sets as TXR-I, TXR followed by “Data Source,” which sets as TXR-II, TXR. + +“Typical for Market,” “Ingress/Egress,” “Separate Postal Address” set as TXR-I, TXR. + +Level and Room Detail (H2) + +Level and Room Detail table + +• Column heads set as TCH: “Level in Unit,” “Grade Level Detail,” “Finish,” “Area,” “Room + +Summary” in 5 equal width column table. + +• Content sets as TB. + +LEVEL AND ROOM DETAIL TABLE + +Quality and Condition (H1) + +Left-hand side of page + +• + +“Interior Quality Rating” Set as TXR-B, TXR. + +Right-hand side of page + +• + +“Interior Condition Rating” Set as TXR-B, TXR. + +Appendix E: Report Style Guide + +Page 47 of 90 + +Version 1.4 + +• + +Introductory text for Room and Feature tables: “The tables below support the Interior Quality +and Condition Ratings and reflect the market value condition of this report“ sets as TXC-I x 45 +picas. + +Kitchen and Bathroom Details (H2) + +Kitchen and Bathroom Detail table + +• Column heads set as TCH: “Room,” “Update Status,” “Time Frame,” “Quality Comment,” + +“Condition Status,” “Condition Comment” in +6 equal column table x 45 picas (~22 characters max per line, each cell). + +• Content sets as TB. + +KITCHEN AND BATHROOM DETAIL TABLE + +Left-hand side of page + +• + +“Overall Update Status for Bathrooms” sets as TXR-B, TXR. + +Interior Features (H2) + +Interior Features table + +• Set 5 equal columns table x 45 picas (~36 characters max per line, each cell). + +• Column heads: “Feature,” “Detail,” “Quality Comment,” “Condition Status,” “Condition + +Comment” set as TCH. + +• Content sets as TB. + +INTERIOR FEATURES TABLE + +Left-hand side of page + +• + +“Overall Update Status for Flooring” sets as TXR-B, TXR. diff --git a/chunks/txt/631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c.txt b/chunks/txt/631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..a5ffbf312b469f10376408e0e3bf271d5c55d81b --- /dev/null +++ b/chunks/txt/631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c.txt @@ -0,0 +1,245 @@ +Not Updated + +Granite Countertops +| Tile Floor + +Granite Countertops +| Tile Shower + +C4 + +Not Updated + +Not Updated + +Formica Countertops +| Vinyl Floor + +Formica Countertops +| Vinyl Floor + +C4 + +Not Updated + +Not Updated + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Whole Home + +Vehicle Storage + +Type | Spaces | Detail + +Q4 + +C1 + +Q4 + +C3 + +$9,500 + +Q4 $(10,000) + +C3 + +$7,000 + +Q4 + +C3 + +$17,000 + +Deck | Deck + +Deck | Deck + +Indoor Fireplace - 1 + +Indoor +Fireplace - 1 + +— + +— + +$10,000 + +$1,500 + +— + +$10,000 + +Indoor +Fireplace - 1 + +Driveway | 5 | Gravel +Garage | 2 | Detached +700 Sq. Ft. + +$4,500 + +Driveway | 5 | Gravel +Garage | 1 | Attached + +Driveway | 5 | Gravel +Garage | 2 | Detached + +$9,000 + +Driveway | 5 | Gravel + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +Outbuilding Type + +Unfinished Area + +Outbuilding Type + +Finished Area + +Baths - Half + +Heating + +Utilities + +Summary + +List Price + +Sale Price + +Net Adjustment Total + +Price Per Finished +Area Above Grade + +Adjusted Price + +Comparable Weight + +Barn + +800 Sq. Ft. + +Barn + +$0 + +Shed + +$5,000 + +Workshop + +$(5,000) + +500 Sq. Ft. + +500 Sq. Ft. + +500 Sq. Ft. + +Rec Room/Garage + +Workshop $(10,000) + +— + +200 Sq. Ft. + +0 + +None + +Electricity + +— + +1,200 Sq. Ft. + +1 + +Yes + +Electricity | Sanitary +Sewer | Water + +$440,000 + +$435,000 + +$(20,000) + +$242 + +$415,000 + +Most + +$0 + +— + +— + +— + +— + +$510,000 + +$499,900 + +$(3,700) + +$401 + +$496,200 + +Most + +— + +$0 + +— + +— + +— + +— + +$345,000 + +$345,000 + +$88,700 + +$153 + +$433,700 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$445,000 diff --git a/chunks/txt/632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331.txt b/chunks/txt/632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331.txt new file mode 100644 index 0000000000000000000000000000000000000000..c94c22bc83e51d68aff3c659c34b6cac6d6bfc3f --- /dev/null +++ b/chunks/txt/632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/enterprise-non-performing-loan-sales-report" +date_accessed: "2026-01-27T17:54:20.432Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216.txt b/chunks/txt/632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216.txt new file mode 100644 index 0000000000000000000000000000000000000000..7be4cd8ea8b60db52afa6bcde490b6ec5124a5db --- /dev/null +++ b/chunks/txt/632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216.txt @@ -0,0 +1,21 @@ +INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction. + +INTENDED USER: The intended user of this appraisal report is the lender/client. + +DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open +market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming +the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and +the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both +parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a +reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms +of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold +unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. + +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are +necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are +readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing +adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional +lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical +dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s +reaction to the financing or concessions based on the appraiser’s judgment. diff --git a/chunks/txt/633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557.txt b/chunks/txt/633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557.txt new file mode 100644 index 0000000000000000000000000000000000000000..83d2aefb405f38c03f4e0449a47ddeb162ee6767 --- /dev/null +++ b/chunks/txt/633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557.txt @@ -0,0 +1,86 @@ +2024-002 + +16 Highest and Best +Use + +2024-024 + +17 Market + +2024-052 + +17 Market + +Updated examples for Overall Quality and Condition + +Corrected static text + +Removed Property Value Trend - MarketPropertyValueTrendType (UID: +3000.0032, FID: 17.020) from Market section + +Corrected report label for ImageCategoryType (UID: 1400.0638, FID: +17.017.1) as it relates to graphs + +2024-002 + +23 Rental Information Corrected field name Other Real Property Rental Income + +2024-051 24 Income Approach + +Corrected Field IDs (FID) for GRM Comp photos and captions + +9/17/2024 + +1.2 + +2024-010 25 Cost Approach + +Updated display rules for Effective Date when DataSourceType is “Other” + +2024-012 25 Cost Approach + +Corrected display rule for EstimatedRemainingEconomicLifeYearsCount +(0300.0041: 25.019), EffectiveAgeYearsCount (UID: 0300.0039, FID: 25.020), + +EffectiveAgeRangeHighYearsCount (UID: 0300.0037, FID: 25.020), and + +EffectiveAgeRangeLowYearsCount (UID: 0300.0038, FID: 25.020) + +2024-057 25 Cost Approach + +Updated the image Figure 25 – 6 to correct the Cost Data Source + +2024-021 + +26 Reconciliation +01 Summary + +Removed two enumerations from +PropertyValuationConditionalConclusionType (UID: 1300.0010, FID: 26.009) +and removed ValuationReconciliationConditionsCommentDescription (UID: +1300.0011, FID: 26.013) + +2024-043 27 Revision History + +Added Reconsideration of Value subsection (27.003 - 27.006) with guidance +and examples + +Appendix B-1: URAR Implementation Guide v1.3 + +Date + +Version Change # + +iGuide Chapter + +Revision Description + +Page 6 + +2024-049 + +29 Certifications and +Scope of Work + +Corrected conditionality for ValuationIntendedUseDescription (UID: +2200.0005, FID: 29.007) diff --git a/chunks/txt/633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1.txt b/chunks/txt/633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..bcb179e1dc8b46d03eb51cec931cbcf473628000 --- /dev/null +++ b/chunks/txt/633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1.txt @@ -0,0 +1,35 @@ +19. +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or +the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a +change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. + +I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that + +20. +ordered and will receive this appraisal report. + +Freddie Mac Form 70H July 2020 + +226 + +Page 5 of 6 + +Fannie Mae Form 1004 Hybrid July 2020 + +2 + +Uniform Residential Appraisal Report (Hybrid) + +File # 3 + +4 4a + +21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; +the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market +participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality +of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser’s or +supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other +media). diff --git a/chunks/txt/6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60.txt b/chunks/txt/6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60.txt new file mode 100644 index 0000000000000000000000000000000000000000..2972df59e75d5b47c48750d7e81bb86ed3023fb0 --- /dev/null +++ b/chunks/txt/6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/conservatorships-performance-goals-scorecard" +date_accessed: "2026-01-27T17:54:20.656Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247.txt b/chunks/txt/635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247.txt new file mode 100644 index 0000000000000000000000000000000000000000..fcccd5c061622376deb1f085734fa9237f0865af --- /dev/null +++ b/chunks/txt/635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247.txt @@ -0,0 +1,21 @@ +## Fannie Mae & Freddie Mac + +### Enterprise Housing Goals​ + +The Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, requires the setting of annual housing goals for Fannie Mae and Freddie Mac and the monitoring of performance in achieving these goals. FHFA sets and monitors the performance on meeting the established goals. Learn more about the Enterprise housing goals [here](/programs/enterprise-affordable-housing-goals)**.** + +### ​Duty to Serve + +The Duty to Serve (DTS) requires Fannie Mae and Freddie Mac (Enterprises) to facilitate a secondary market for mortgages on housing for very low-, low-, and moderate-income families in: Manufactured housing, Affordable housing preservation, and Rural housing. To learn more about Duty to Serve, click [here](/programs/duty-to-serve). + +## ​Federal Home Loan Bank System + +The Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,700 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation. + +[Federal Home Loan Bank Community Lending Plans](/programs/fhlbank-community-lending-plans) + +### ​​The Programs + +[2024 FHLBank Targeted Mission Activities Report​](/reports/fhlbank-targeted-mission-activities/2024) + +[2023 FHLBank Targeted Mission Activities Report​](/sites/default/files/2024-11/2023-FHLB-Targeted-Mission-Activities-Report-FINAL.pdf) diff --git a/chunks/txt/6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33.txt b/chunks/txt/6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e4b8949d1a2654e2e6b0a81ac6200fdcfba84b6 --- /dev/null +++ b/chunks/txt/6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33.txt @@ -0,0 +1,26 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 22 of 23 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. diff --git a/chunks/txt/636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb.txt b/chunks/txt/636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb.txt new file mode 100644 index 0000000000000000000000000000000000000000..4778f4e5262f2066cf866672be74c6744a5b8366 --- /dev/null +++ b/chunks/txt/636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb.txt @@ -0,0 +1,41 @@ +UAD Requirement - Refer to Appendix D Improvements Section +If the project includes more than one building, this field describes the building in +which the subject unit is located. + +PDF Display Format: +Numeric, to two decimal places: 1.25 + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one building, this field decribes the number of +elevators in the building in which the subject unit is located. + +PDF Display Format: +Whole numbers only. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one building, this field describes the building in +which the subject unit is located. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one building, this field describes the building in +which the subject unit is located. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one building, this field describes the building in +which the subject unit is located. + +One and only one of fields 1-141, 1-142, 1- +143 (values of Building Status Type) should +be indicated. +One and only one of fields 1-141, 1-142, 1- +143 (values of Building Status Type) should +be indicated. +One and only one of fields 1-141, 1-142, 1- +143 (values of Building Status Type) should +be indicated. + +UAD Requirement - Refer to Appendix D Improvements Section +This is a yes/no field that indicates whether the year built is estimated ('Y' indicates the +year built is estimated and 'N' indicates the year built is not estimated). + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b.txt b/chunks/txt/636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b.txt new file mode 100644 index 0000000000000000000000000000000000000000..212b393c6da3b8340cbfc8a60d44ab92cdf19d0e --- /dev/null +++ b/chunks/txt/636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b.txt @@ -0,0 +1,22 @@ +13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from +reliable sources that I believe to be true and correct. + +14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject +property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I +have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the +subject property or that I became aware of during the research involved in performing this appraisal. I have considered these +adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and +marketability of the subject property. + +15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all +statements and information in this appraisal report are true and correct. + +16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which +are subject only to the assumptions and limiting conditions in this appraisal report. + +17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or +prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or +completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital +status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the +present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. diff --git a/chunks/txt/63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f.txt b/chunks/txt/63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7b5b3dbf2286c768d11fcb43569ec1c81ba0de3 --- /dev/null +++ b/chunks/txt/63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f.txt @@ -0,0 +1,29 @@ +DU currently conducts a cash flow assessment on loan casefiles where no borrower has a credit score. The positive benefits of a +cash flow assessment will no longer be limited to borrowers without a credit score. + +As a reminder, to be eligible for the cash flow assessment in DU: +▪ The lender must obtain an asset verification report with 12 months of bank data through an authorized DU validation service + +asset verification report vendor and confirm the borrower is an account holder. + +▪ At the time of loan origination, the originating lender must have access to the full asset verification report containing the data + +covering the timeframe provided to DU for the cash flow assessment. + +Note: As specified above, cash flow assessment can be used to positively supplement the credit risk assessment and to cover +the documentation requirement for nontraditional credit references for borrowers without a credit score. + +Rent Payment Identification + +DU currently only considers positive rent payment history using a 12-month asset verification report for first-time homebuyers +purchasing a principal residence and requires the borrower to have a credit score. + +We will expand the evaluation of rent payment history to the following: + +▪ Certain additional borrowers currently paying rent, even if that borrower has had an ownership interest in another + +property in the last three years. + +▪ Positive rent payment history using any rental accounts reported on the borrower’s credit report will be considered, + +in addition to the continued use of rent payments identified on a 12-month asset verification report. diff --git a/chunks/txt/6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a.txt b/chunks/txt/6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7380f303242e97526cdc884756035dd327ba3ad --- /dev/null +++ b/chunks/txt/6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a.txt @@ -0,0 +1,211 @@ +TB-I + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +TB-SCA_sub-H1 + +TB-B +TB-B + +Quality +Quality + +Condition +Condition + +Property Amenities +Property Amenities + +TB-SCA_sub-H1 + +TB + +Outdoor Accessories +Outdoor Accessories + +Outdoor Living +Outdoor Living + +Water Features +Water Features + +Whole Home +Whole Home + +TB + +Miscellaneous +Miscellaneous + +Vehicle Storage +Vehicle Storage + +TB-SCA_sub-H1-ADJ + +Type | Spaces | Detail +Type | Spaces | Detail + +TB +TB + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +TB-SCA_sub-H1 + +$ +$ + +TB-B +TB-I + +Outbuilding Type +Outbuilding Type + +Gross Building Area +Gross Building Area + +Finished Area +Finished Area + +Unfinished Area +Unfinished Area + +Structure Volume +Structure Volume + +Baths - Full +Baths - Full + +Baths - Half +Baths - Half + +Kitchens +Kitchens + +Heating +Heating + +Cooling +Cooling + +Utilities +Utilities + +TB-I + +FTR-L + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +$ +$ + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +2 COLUMN PAGE FORMAT + +Subject Property + +Comparable # + +Comparable # + +Comparable # + +HDR-L + +TCH +TB + +Property Address + +Summary + +TB-SCA_sub-H1 + +TB + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total diff --git a/chunks/txt/639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d.txt b/chunks/txt/639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d.txt new file mode 100644 index 0000000000000000000000000000000000000000..2d67987cc665f2f2cdfb5ccd30c27bbeb54f3bc8 --- /dev/null +++ b/chunks/txt/639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d.txt @@ -0,0 +1,106 @@ +19 + +Enumerated + +Allowable Values PDF Display +WaterView Wtr +PastoralView Pstrl +WoodsView Woods +ParkView Prk +GolfCourseView Glfvw +CityViewSkylineView CtySky +MountainView Mtn +ResidentialView Res +CityStreetView CtyStr +IndustrialView Ind +PowerLines PwrLn +LimitedSight LtdSght +Other * + +*See field e-7 directly below. + +This data is referenced more than once on the form for the subject property and must +be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +At least one but no more than two values are +required. + +R + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 177 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +94 + +1 + +e-7 + +SITE + +View + +GSE View Type +Other Description + +The type of view associated with the +property if other is selected. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA +RISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL +_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSE +ViewTypeOtherDescription + +19 + +String + +UAD Requirement - Refer to Appendix D Site Section +If a view factor not on the list materially affects the value of the subject property, the +appraiser must select 'Other' and enter a description of the view associated with the +property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. diff --git a/chunks/txt/63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8.txt b/chunks/txt/63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..d38ddcc671735247c1b591c061bbb2781f373d14 --- /dev/null +++ b/chunks/txt/63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8.txt @@ -0,0 +1,39 @@ +For example: The One-to-One INDIVIDUAL to NAME relationship, One-to-Many BORROWER to +EMPLOYER relationship, and Many-to-Many BORROWER to ASSET relationships discussed earlier +are all examples of Irreflexive Relationships. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 9 of 29 + +Version 1.1 + +___________ _ __ Rules for XLink Relationships + +RULES FOR XLI NK RELATI ONSHI PS + +This section was copied from the MISMO Version 3 Reference Model General Information Guide. + +OVERVIEW + +The previous section identified types of relationships and the methods MISMO uses to define +relationships – either by containment or by pointing. Whenever we need to identify relationships +between elements that are not directly contained by another, we use Xlink Relationships. MISMO has +added the appropriately named RELATIONSHIPS container structure as a means of specifying those +relationships. + +The RELATIONSHIPS container is a child of MESSAGE, DEAL_SETS, DEAL_SET, DEALS, DEAL, +and DOCUMENT. The location in the Reference Model of the RELATIONSHIPS container is +determined by the XML instance and its structure. The RELATIONSHIPS container used MUST be at +the lowest structural level that is a parent or sibling of the elements being joined. + +Examples include: + + The RELATIONSHIPS container as a child of a DEAL_SETS container links + +DEAL_SETS/PARTY data to DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN data. + + The RELATIONSHIPS container as a child of a DOCUMENT container links all the information +about document signatures in the DOCUMENT/SIGNATORIES/SIGNATORY container to the +actual DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTY container representing the +person that signed the document. diff --git a/chunks/txt/63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c.txt b/chunks/txt/63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba8f65cbeca59f531f888b3ee67c00933e296dc8 --- /dev/null +++ b/chunks/txt/63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c.txt @@ -0,0 +1,64 @@ +Yes | No + +Government Agency: Indicates whether the assignment has been prepared +according to government agency requirements. + +Note: If not populated, AMC Fee does not display. + +Required if +Government Agency is +Yes + +FHA, USDA, or VA Government Agency Type: The agency that insures or guarantees the loan + +associated with the assignment. + +If applicable + +Free-form + +Note: Valid values trigger display of FHA, VA, and / or USDA information +throughout the Appraisal Update. + +When requested by the investor, special identification provided with the +Restricted Appraisal Update Report (e.g., special pilot program, disaster, +pandemic). + +Note: If not provided, Investor Requested Special Identification does not +display. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 14 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Assignment Information + +Contact Information + +This subsection includes information about the people and / or companies (“contacts”) that are pertinent to the +appraisal update, including: +• Clients, including lenders, AMCs, and other parties as identified by the appraiser +• Appraiser and Supervisory Appraiser + +Select Role(s) for all the contacts that are identified in the Assignment Information section. When selecting +Role(s) to associate with a contact, select the ones that most closely identify the role(s) the contact performed +as part of the assignment. +• Select as many Roles as are applicable but at least one for each identified contact. + +Report +Field ID + +Report Label + +When to Include + +04.048 N/A + +Always required for +each contact (person) + +Assignment: Contact Information - Role diff --git a/chunks/txt/63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb.txt b/chunks/txt/63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8c36b20f26de7e1432fd1746ead250a6d823449 --- /dev/null +++ b/chunks/txt/63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb.txt @@ -0,0 +1,21 @@ +The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys. + +We greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey. + +For those who have been selected to be a part of the survey, it can be completed online. Go to [www.NSMOsurvey.com](https://www.nsmosurvey.com/) and enter your personal PIN number that was included in the letter mailed to you. + +If you have any questions about this survey, please feel free to call us at 1-​855-531-0724. We look forward to hearing from you. + +### Current Survey Cover Letter and Questionnaire + +[Image + +![NSMO 2024Q2 Cover Letter](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/NSMO_2024Q2_Letter.png?itok=AAs0roIX)](/document/nsmo_2025q2_letter.pdf)[Survey Cover Letter](/document/nsmo_2025q2_letter.pdf) + +[Image + +![FHFA NSMO Survey Questionnaire thumbnail](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/NSMO_2024Q1_Questionnaire.png?itok=yhiFTS69)](/document/nsmo_2025q1_questionnaire.pdf)[Survey Qu​estionnaire](/document/nsmo_2025q1_questionnaire.pdf) + +### Related Documents + +[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-13) (8/30/2024) diff --git a/chunks/txt/63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6.txt b/chunks/txt/63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ac3481cb47387ceea60b4fa7cd006be7b0d2414 --- /dev/null +++ b/chunks/txt/63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6.txt @@ -0,0 +1,37 @@ +Desktop Underwriter/Desktop Originator Release Notes +DU Version 12.0 July Update + +June 18, 2025 + +During the weekend of July 19, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which +will include the changes described below. + +DU Address Standardization + +The service used by DU to standardize the address and provide the FIPS code to determine the Area Median Income limit (AMI) +associated with a specific property will be updated for properties in the state of Connecticut. DU will now use the nine planning +regions that were published by the U.S. Census Bureau in 2022. These nine planning regions replace Connecticut's eight counties +used historically. + +Note: DU will begin using the CT planning regions associated with the standardized address for new loan casefiles created +on or after July 20, 2025. DU will continue to use the CT counties for existing loan casefiles resubmitted after the weekend +of July 19, 2025. + +In addition, the Area Median Income Lookup Tool will continue to use CT counties as loan limits and high-cost area designations +are not available for CT planning regions. + +Copyright Update + +The copyright shown at the bottom of all versions of the DU Underwriting Findings report will be updated to the following: +Copyright (c) 2025 Fannie Mae. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. + +© 2025 Fannie Mae. + +6.18.25 + +1 of 1 diff --git a/chunks/txt/63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7.txt b/chunks/txt/63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..3762d29b37a69c5a96ff44c4b1388cc02c09a9e9 --- /dev/null +++ b/chunks/txt/63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7.txt @@ -0,0 +1,42 @@ +Underwriting and DU Requirements + +Loans secured by manufactured homes (including MH Advantage properties) must be underwritten through DU. + +When entering the property information into DU, the lender must correctly identify the property type as a manufactured +home or MH Advantage, and identify whether it is in a condo, co-op, or PUD project. + +Note: DU does not distinguish between single-section and multi-section. + +DU checks the subject property addresses against manufactured home property addresses in the DU property database. If +DU’s database indicates the property may be a manufactured home, DU will return a message alerting the lender. DU’s +issuance of this message does not necessarily mean the property is a manufactured home, nor does the absence of this +message indicate that Fannie Mae accepts the accuracy of the property type as it was submitted + +Lenders must research the subject property type. If it is determined the property is a manufactured home, the lender must +correct the property type and resubmit the loan casefile to DU. If it is NOT a manufactured home, the loan may be delivered +with the appraisal recommendation provided by DU. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 151 of 166 + +UAD 3.6 Policy + +Note: DU will issue a message reminding the lender to ensure that the MH Advantage or single-section manufactured home +requirements are met, in addition to all other manufactured housing requirements. + +Loan Amount + +The loan amount may include the following costs: + +• + +cost of the manufactured home; + +• + +cost of the land; + +• + +the costs of construction, including diff --git a/chunks/txt/63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6.txt b/chunks/txt/63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd48360523f62f7c14a48a202a960d7803fa2151 --- /dev/null +++ b/chunks/txt/63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6.txt @@ -0,0 +1,66 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 19 of 166 + +UAD 3.6 Policy + +SB2-3-03, Special Property Eligibility and Underwriting Considerations: +Leasehold Estates (06/04/2025) + +Introduction + +This topic contains information on leasehold estates, including: + +Leasehold Estates + +• +• Definitions +• General Requirements for Leasehold Mortgages +• +• Borrower's Option to Purchase Fee Interest +• +Exceptions to Leasehold Requirements + +Lease Requirements + +Leasehold Estates + +Fannie Mae purchases or securitizes loans that are secured by properties subject to leasehold estates in areas in which this type of +property ownership has received market acceptance. + +Eligible property types are: + +• one- to four-unit properties, + +• + +• + +condo units, + +co-op units, + +• PUD units, + +• manufactured homes located in a condo or PUD project approved by Fannie Mae's Project Review Eligibility Service + +(PERS). See SB4-2.2-06, Project Eligibility Review Service (PERS). + +A loan secured by a unit in a project that is subject to a ground lease is considered a loan secured by a leasehold estate for +purposes of this topic. For these loans, lenders must also comply with all legal and eligibility requirements for condos, co-ops, +and PUDs. See Selling Guide, Chapter B4-2, Project Standards, for additional information. + +Definitions + +The following definitions apply to this topic: + +• A loan secured by a leasehold estate is also known as a “leasehold mortgage.” + +• + +• + +• + +The term “lease” includes any form of lease or ground lease (for example, a master lease, business lease, sublease, or +unit lease), together with any addendum, amendment, or rider, or a memorandum thereof. diff --git a/chunks/txt/63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1.txt b/chunks/txt/63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..a5057d08e2c2cd782fed0296a7bdb11b682b7cca --- /dev/null +++ b/chunks/txt/63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1.txt @@ -0,0 +1,117 @@ +Legal Description + +Section 23 Township 3S Range 3E Tax Lot 00700 and 00700B + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 3 of 30 +Page 3 of 30 + +Site + +Total Site Size + +5 Acres + +Assessor Parcel Number (APN) +919845 + +919846 + +Zoning + +Compliance +Impact + +No Zoning +Neutral + +Description of Zoning Compliance No zoning typical to County +Property Use + +Primarily Residential +Non-Residential Use +Non-Residential Modification + +Yes +Agricultural +Yes + +Description of Non-Residential Use/Modification Board fencing +around entire property to the barn. + +Site Influence + +Influence +Apparent Environmental +Condition + +Body of Water + +Overhead Electric Power +Transmission Line + +Proximity +Offsite | 3.5 Miles + +Onsite + +Onsite + +Detail +Landfill + +Lake + +Number of Parcels + +Contiguous +Elements Dividing Parcels + +2 +No +Road + +APN Description +Land with Dwelling + +Land with Improvement + +Parcel Size +4.75 Acres + +0.25 Acres + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Rural Road | Gravel +Yes + +Impact +Adverse + +Beneficial + +Adverse + +Comment +The county landfill is known +for its noxious odors. + +The water frontage has a +beneficial value impact. + +Although the subject +dwelling is outside the fall +distance, the land is still +unable to be developed and +the power lines are noisy. + +Site Influence Commentary The water frontage has a positive impact on value and offsets the negative factors from the power lines. The +landfill impacts a broader area and affects many homes. diff --git a/chunks/txt/63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6.txt b/chunks/txt/63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6.txt new file mode 100644 index 0000000000000000000000000000000000000000..fcc0b4ae90bdc67a855d8204990410e65a9579b9 --- /dev/null +++ b/chunks/txt/63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6.txt @@ -0,0 +1,30 @@ +18.4 The data points used to provide the value of Initial Escrow Payment (IntegratedDisclosureSectionType = + +“InitialEscrowPaymentAtClosing” and IntegratedDisclosureSectionTotalAmount) are the same as those +used for the section G. Initial Escrow Payment at Closing subtotal in the Other Costs table. Although this +value appears in two places on the Closing Disclosure, the data points are provided only once in the XML +file. + +18.5 The data point and attribute used to provide the value of Monthly Escrow Payment + +(ProjectedPaymentEstimatedEscrowPaymentAmount and @SequenceNumber in the first instance of +PROJECTED_PAYMENT), are the same as those used for the first period amount for Estimated Escrow in +the Projected Payments table. Although this value appears in two places on the Closing Disclosure, the +data points are provided only once in the XML file + +18. 6-18. 7 NO ESCROW ACCOUNT + +If the loan will not have an escrow account, the fields under the No Escrow heading (18.6 – 18.7) must be +completed. As illustrated in Figure 113, lenders must disclose that no escrow account has been/will be +established for the loan. The reason also must be provided--either that the borrower declined it or the lender +did not offer one. The dollar amounts of 18.6 Estimated Property Costs over Year 1 and 18.7 Escrow Waiver Fee +must be disclosed, and the escrow waiver fee must be included as a line item in either the Loan Costs or Other +Costs table as well. + +18.0 Escrow Account + +For now, your loan + +18.1  will have an escrow account (also called an “impound” or “trust” account) to pay +the property costs listed below. Without an escrow account, you would pay them +directly possibly in one or two large payments a year. Your … diff --git a/chunks/txt/642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556.txt b/chunks/txt/642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1ebe7ab1ce6bf4cbf04d11751cf86cf816b9ccd --- /dev/null +++ b/chunks/txt/642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556.txt @@ -0,0 +1,40 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Equal Employment Opportunity and the No FEAR Act + +The No FEAR Act is intended to increase the accountability of Federal agencies for acts of discrimination or reprisal against employees, former employees, and applicants. + +## Breadcrumb + +- [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - [FHFA Policies](/about/fhfa-policies) + - Equal Employment Opportunity and The No FEAR Act diff --git a/chunks/txt/64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc.txt b/chunks/txt/64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2f9bddf0f7ed375b6ad8d2f903bdf14f3808ed5 --- /dev/null +++ b/chunks/txt/64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc.txt @@ -0,0 +1,81 @@ +Note: If No, “None” displays in the Known Legal Actions row. + +Commentary on the nature of the litigation or alternative dispute resolution, +sources of information, a description of the impact to value and / or +marketability, and any other details. +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). + +Unit Transfer Fees + +The Unit Transfer Fees row displays in the Project Factors table if the property is in a condominium, cooperative, +or condop. + +Report +Field ID + +Report Label + +When to Include + +Required if the +property is in a +condominium, +cooperative, or +condop + +18.071 Unit Transfer +Fees +(Detail) + +18.071 Unit Transfer +Fees +(Detail) + +18.081 Unit Transfer +Fees +(Impact) + +18.091 Unit Transfer +Fees +(Comment) + +Project Factors: Unit Transfer Fees + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Transfer Fees: Indicates whether transferring ownership incurs a fee that is due +to the HOA or cooperative board. May also be referred to as “flip taxes” such as +in New York City. +Note: If No, “None” displays in the Unit Transfer Fees row. + +Required if Transfer +Fees is Yes + +Dollar amount + +Transfer Fee Amount +Note: If the transfer fee is a percentage, convert it to a dollar amount. + +Required if Transfer +Fees is Yes + +Required if Transfer +Fees is Yes, or as +needed + +Adverse, +Beneficial, or +Neutral + +Free-form + +Commentary on the nature of the transfer fee, sources of information, a +description of the impact to value and / or marketability, and any other details. +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). diff --git a/chunks/txt/64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9.txt b/chunks/txt/64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a54028cbe9d4a2a0a88d5514f370c800fa79c8e --- /dev/null +++ b/chunks/txt/64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9.txt @@ -0,0 +1,100 @@ +Significant Interest Rate Buydown +Used to identify a mortgage that is subject to a temporary interest rate buydown that has +either more than a 2 percent difference between the actual note rate and the "bought down" +rate or a buydown period greater than two years. This SFC is used to assign prefixes DI, DL, +and DX. +Lender-Purchased Mortgage Insurance +Used to identify a mortgage for which the lender (rather than the borrower) purchased the +mortgage insurance coverage. +Delivery is optional – code is auto-derived +Indemnification +Used to identify loans wherein the lender agrees to reimburse/ indemnify Fannie Mae for +losses under the terms of a negotiated agreement. + +036 Whole Loan Fixed-Rate Resale of Converted ARM + +037 + +Both + +Used to identify a converted ARM that was repurchased from an MBS pool because the +conversion to fixed-rate option was exercised and subsequently redelivered to Fannie +Mae as a whole loan delivery of a fixed-rate mortgage. +Convertible ARM—Take-Out Option +Used to identify the post-conversion disposition option selected for a mortgage in an ARM +MBS pool that will result in the redelivery of a converted ARM to Fannie Mae, as either a +whole loan delivery or as part of an MBS pool delivery, after it is removed from the pool +following its conversion to a fixed-rate mortgage. + +Delivery +Type* + +Negotiated + +Both + +Both + +Both + +Both + +(when loan +is delivered +on a spot- +loan basis) +Both + +Both + +Negotiated + +Both + +Both + +© 2025 Fannie Mae + +9.03.2025 + +1 of 7 + +Code + +038 + +Whole +Loan/MBS +Both + +054 + +Both + +076 + +Both + +087 + +Both + +107 + +Both + +118 + +Both + +127 + +Both + +151 + +Both + +155 + +Both diff --git a/chunks/txt/6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df.txt b/chunks/txt/6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd8edc3655eaf8ff621dbba7150707cf0a5b2626 --- /dev/null +++ b/chunks/txt/6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df.txt @@ -0,0 +1,31 @@ +## Our Values + +- ## Fairness + +We value varied perspectives and thoughts and treat others with impartiality. + +- ## Integrity + +We are committed to the highest ethical and professional standards to inspire trust and confidence in our work and in one another. + +- ## Accountability + +We are responsible for carrying out our work with transparency and professional excellence. + +- ## Respect + +We treat others with dignity, share information and resources, and collaborate. + +## Oversight + +Together, [Fannie Mae](http://www.fanniemae.com/portal/index.html), [Freddie Mac](http://www.freddiemac.com/), and the [FHLBank System](http://www.fhlbanks.com/) provide more than $8.1 trillion in funding for the U.S. mortgage markets and financial institutions. + +### Managing the [Conservatorships](/conservatorship) of Fannie Mae and Freddie Mac + +In addition to prudential supervision and regulation of Fannie Mae and Freddie Mac, since 2008 FHFA has overseen the conservatorships of the Enterprises, in part through a scorecard that FHFA releases annually. + +### Federal Home Loan Bank System + +The [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) was created by the Federal Home Loan Bank Act as a government sponsored enterprise to support mortgage lending and related community investment. + +The FHLBank System provides its members (thrift institutions, commercial banks, credit unions, insurance companies, and certified community development financial institutions) with a source of funding for mortgages and asset-liability management, liquidity for their short-term needs, and additional funds for housing finance and community development. Approximately 80 percent of U.S. lending institutions rely on the FHLBanks. diff --git a/chunks/txt/644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f.txt b/chunks/txt/644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f.txt new file mode 100644 index 0000000000000000000000000000000000000000..bc2593ac09a6a49c24e27205beb3beb4e8e0234c --- /dev/null +++ b/chunks/txt/644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f.txt @@ -0,0 +1,129 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +R + +R + +R + +R + +R + +R + +T + +R + +R + +T + +R + +R + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 156 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +388 + +3 + +59 + +SALES +COMPARISON +APPROACH + +Sale or Financing +(Line 1) + +GSE Sale Type + +The type of sale associated with the +subject or comparable property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSESaleType + +17 + +Enumerated + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: + +Allowable Values PDF Display + Comp Grid Page 1 +REOSale REO REO sale +ShortSale Short Short sale +CourtOrderedSale CrtOrd Court ordered sale +EstateSale Estate Estate sale +RelocationSale Relo Relocation sale +NonArmsLengthSale NonArm Non-arms length sale +ArmsLengthSale ArmLth Arms length sale +Listing Listing * + +*Does not apply to subject property. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +389 + +3 + +60 + +SALES +COMPARISON +APPROACH + +Sale or Financing +Adjustment +(Line 1) diff --git a/chunks/txt/645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8.txt b/chunks/txt/645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8.txt new file mode 100644 index 0000000000000000000000000000000000000000..4b979910096f1715db97a2ec28b98f2e8bd5a465 --- /dev/null +++ b/chunks/txt/645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8.txt @@ -0,0 +1,88 @@ +Overvaluation Risk Message Text + +Overvaluation +Risk Message +ID + +New +Undervaluation +Risk Message +ID + +New Undervaluation Risk Message Text + +1015 + +1016 + +1017 + +1018 + +1019 + +CU has identified market reaction +to Condition, Quality of +Construction, or Actual Age that +may differ from the adjustment +rates used by the appraiser. +Ensure that the appraiser has +made adjustments accurately +reflecting market reaction to each +of these attributes. See the CU +Adjustments tab for details. + +CU has identified market reaction +to Location that may differ from +the adjustment rate used by the +appraiser. Ensure that the +appraiser has made adjustments +accurately reflecting market +reaction to this attribute. See the +CU Adjustments tab for details. + +CU has identified market reaction +to 'Garage/Carport' that may +differ from the adjustment rate +used by the appraiser. Ensure +that the appraiser has made +adjustments accurately reflecting +market reaction to this +attribute. See the CU Adjustments +tab for details. + +CU has identified market reaction +to 'Sales Concessions' that may +differ from the adjustment rate +used by the appraiser. Ensure +that the appraiser has made +adjustments accurately reflecting +market reaction to this +attribute. See the CU Adjustments +tab for details. + +CU has identified market reaction +to 'Site' that may differ from the +adjustment rate used by the +appraiser. Ensure that the +appraiser has made adjustments +accurately reflecting market + +1035 + +1036 + +1037 + +1038 + +1039 + +CU has identified market reaction to +Condition, Quality of Construction, or Actual +Age that may differ from the adjustment rates +used by the appraiser. Ensure that the +appraiser has made adjustments accurately +reflecting market reaction to each of these +attributes. See the CU Adjustments tab for +details. diff --git a/chunks/txt/64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93.txt b/chunks/txt/64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b54fec9c725da9f751706565a711b0162fd9032 --- /dev/null +++ b/chunks/txt/64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93.txt @@ -0,0 +1,74 @@ +Age in years of the borrower at time application +submitted; 999=Age not provided, 998=Not Applicable +(Borrower might be a legal entity like an LLC) + +Age in years of the borrower at time application +submitted; 999=Age not provided, 998=No Co- +Borrower +Numeric code indicating whether property is owner +occupied, second home or a rental investment +property. 1=Principal Residence, 2=Second Home, +3=Investment Property +Total number of units in the property +Interest rate on the mortgage at acquisition +Mortgage balance at origination +Ratio of mortgage principal and interest and housing +expenses to total borrower income. +Ratio of all debt payments to total borrower income. + +Credit Scores are separated into a range: 1=<620, +2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or +greater, 9 = Missing or Not Applicable +Credit Scores are separated into a range: 1=<620, +2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or +greater, 9 = Missing, Not Applicable or No-Co- +Borrower +Percent of mortgage balance at origination covered by +loan level PMI + +40 + +EmploymentBorrowerSelfEmployed + +Self + +Employment Borrower Self Employment Indicator Numeric code indicating whether the borrower is self- + +41 + +PropertyType + +PropType + +Property Type + +42 + +IndexSourceType + +ARMIndex + +Index Source Type + +43 MarginRatePercent + +ARMMarg + +Margin Rate Percent + +44 + +PrepaymentPenaltyExpirationDate + +PrepayP + +Prepayment Penalty Expiration Date + +employed. 0=No, 1=Yes +PT01=Single family detached; PT02=Deminimus PUD; +PT03=Single family attached; PT04=Two family; +PT05=Townhouse; PT06=Low-rise condo; PT07=PUD; +PT08=Duplex; PT09=Three family; PT10=Four family; +PT11=Hi-res condo; PT12=Manufactured home not +chattel; PT13=Manufactured home chattel; PT14=Five +plus multifamily diff --git a/chunks/txt/646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006.txt b/chunks/txt/646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006.txt new file mode 100644 index 0000000000000000000000000000000000000000..748687e3c8755545e5c87ed34a02d92c46c96c5c --- /dev/null +++ b/chunks/txt/646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006.txt @@ -0,0 +1,12 @@ +[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta) + +`` + - [](https://www.linkedin.com/posts/fhfa_fhfa-released-its-november-2024-foreclosure-activity-7295123787698614273-8Jvf) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name) + +59,118 followers + +11mo + +- [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) + +FHFA released its November 2024 Foreclosure Prevention and Refinance Report. The report shows that Fannie Mae and Freddie Mac (the Enterprises) completed 15,888 foreclosure prevention actions during the month, raising the total number of homeowners who have been helped to 7,080,695 since the start of conservatorships in September 2008. [https://lnkd.in/e64Mw3nf](https://lnkd.in/e64Mw3nf?trk=organization_guest_main-feed-card-text) diff --git a/chunks/txt/64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9.txt b/chunks/txt/64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1257e879a951ea0291f7ea577e3825e15dfddb2 --- /dev/null +++ b/chunks/txt/64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9.txt @@ -0,0 +1,43 @@ +H. Other +Fees not captured in any +other section, including +services the borrower chose +to add and/or seller- +specific closing costs for +purchase transactions. + +UCD v2.0 Implementation Guide + +- 90 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Within this framework, the GSEs have selected a subset of fees that: + +a. Must be associated with a specific section (Sections A and E). + +b. Must always be delivered (“LoanDiscountPoints” even when not part of the transaction). + +c. Must be delivered only once (“LoanDiscountPoints,” “RecordingFeeForDeed,” “RecordingFeeForMortgage,” and + +“RecordingFeeTotal”. + +Any other ucd:FeeItemType enumeration listed on UCD v2.0 Spec tab “9-ucd:FeeItemType Enumerations” can be +associated with any section (except F. Prepaids and G. Initial Escrow Payment at Closing, which are not fees and use different +data points). + +Lenders are responsible for working with their Legal and Compliance divisions to ensure they are completing the CD +according to the Reg, and working with the software providers to confirm that data delivered in the XML file is equal or +equivalent to the latest CD provided to the borrower. + +2. FEE LINE ITEMS + +To update UCD v2.0 with up-to-date and missing fees, the GSEs worked with industry to expand the number of supported +ucd:FeeItemType enumerations. These are expected to support the majority of loan transactions. Lenders must provide valid +enumerations for ucd:FeeItemType from the list provided on Tab 9-ucd:FeeItemType Enumerations. + +All fee line items have the same data points and follow the same pattern, except for the following enumerations: diff --git a/chunks/txt/648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85.txt b/chunks/txt/648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ea18d096ed7050e8f9ca9e5a971f8e543a6317f --- /dev/null +++ b/chunks/txt/648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85.txt @@ -0,0 +1,25 @@ +Statement of Assumptions and Limiting Conditions + +The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary. + +If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist +the reader in visualizing the property and understanding the appraiser’s determination of its size. + +The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans, +flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property +data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has +used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no +guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes +the property characteristics and supporting information have not changed in the interim. + +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. diff --git a/chunks/txt/64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1.txt b/chunks/txt/64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1.txt new file mode 100644 index 0000000000000000000000000000000000000000..f3b497c5a397e7cf93ab131127e845a861429b0e --- /dev/null +++ b/chunks/txt/64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1.txt @@ -0,0 +1,44 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 155 of 166 + +UAD 3.6 Policy + +Limited Cash-Out Refinance Transactions + +Limited cash-out refinance transactions may involve the following scenarios: + +• payoff of an existing personal property lien on a new manufactured home (or an existing lien on the home and a + +mortgage on the land if encumbered by separate liens), or + +• payoff of a first lien mortgage secured by an existing manufactured home and land (or existing mortgages for the + +home and land if encumbered by separate liens). + +The maximum LTV ratio (and CLTV ratio, if applicable) for a limited cash-out refinance transaction for a loan secured by a +manufactured home and land will be based on the lower of: + +• + +the current appraised value of the manufactured home and land; or + +• + +if the manufactured home was owned by the borrower for less than 12 months on the loan application date and: + +o + +if the home and land are secured by separate liens, the lowest price at which the home was previously sold +during that 12-month period plus the lower of the current appraised value of the land, or the lowest sales +price at which the land was sold during that 12-month period (if there was such a sale); + +o + +if the home and land are secured by a single lien, the lowest price at which the home and land were previously +sold during that 12-month period. + +Proceeds of a limited cash-out refinance mortgage may be used to: + +• pay off the outstanding principal balance of an existing personal property lien or first lien mortgage secured by the +manufactured home and land (or existing liens if the home and land were encumbered by separate first liens); diff --git a/chunks/txt/649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a.txt b/chunks/txt/649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a.txt new file mode 100644 index 0000000000000000000000000000000000000000..6158aae39c6858962b4ab651f4d69b5fe6c91893 --- /dev/null +++ b/chunks/txt/649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a.txt @@ -0,0 +1,108 @@ +Contact Name(s) +The name(s) of the person(s) who provided significant real property appraisal +assistance. +Redisplays from 04.041. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 25 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +05 Certifications and Scope of Work + +Cert 15 (Prior Services) + +The predefined text for Cert 15 varies depending on whether the appraiser has performed prior services for the +subject property in the past three years. If Yes, the appraiser must provide a description. Example: + +Appraiser Certifications: Cert 15 (Prior Services) + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +05.027 This is an + +Always required + +Yes | No + +Definition / Additional Guidance + +Appraiser Prior Services Performed +Indicates whether the appraiser has performed prior services for the subject +property in the past three years. + +appraiser input +that does not +display + +05.027 + +I have not +performed … + +05.027 + +I have +performed … + +05.028 Description of +Prior Services: + +Predefined text that +displays when +Appraiser Prior +Services Performed is +No + +Predefined text that +displays when +Appraiser Prior +Services Performed is +Yes + +Required when +Appraiser Prior +Services Performed is +Yes + +Free-form + +Description of Prior Services + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 26 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +05 Certifications and Scope of Work + +Additional Appraiser Certifications + +Additional appraiser certifications may be added when relevant. + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +Allowable +Answers / Format diff --git a/chunks/txt/649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b.txt b/chunks/txt/649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e40985cc456b518cc85f3827ef1ed91c2a782ad --- /dev/null +++ b/chunks/txt/649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b.txt @@ -0,0 +1,67 @@ +The Enterprises collect two values of + +UPB, both of which correspond to the +HMDA data field ‘‘loan amount’’: +Acquisition UPB and origination UPB. +Historically, they have reported, and the +PUDB has included, acquisition UPB. +Because this HMDA data element is +rounded to the nearest $1000, and +because the majority of loans acquired +by the Enterprises are current-year +originations for which there is a +negligible amount of amortization +between origination and acquisition, +there is no difference between the +values in most cases. FHFA will +continue to include acquisition UPB in +the PUDB. + +c. References to ‘‘Enterprises’’ and +Regulatory Cites + +To reflect revisions in terminology as + +a result of the enactment of HERA, +FHFA has changed the references to +‘‘GSEs’’ in the PUDB matrices to +‘‘Enterprises.’’ The PUDB is applicable +only to loan data submitted by the +Enterprises, i.e., Fannie Mae and +Freddie Mac. The PUDB is not +applicable to loan data submitted by the +Banks, which are also GSEs but are +subject to separate PUDB reporting +requirements. The regulatory cites in the +PUDB matrices have also been revised, +as the applicable regulatory provisions +are now located in Title 12 of the Code +of Federal Regulations. + +7 Section 1323(b)(2) prohibits the Director from + +restricting public access to the data elements +required to be reported under HMDA at the census +tract level. + +FHFA had originally considered +requiring the reporting and public +release of data fields for multifamily +borrower and co-borrower race or +national origin, multifamily borrower +and co-borrower ethnicity, multifamily +borrower and co-borrower gender, +multifamily rate spread, multifamily +HOEPA status, respondent ID and +agency code. After considering the +Enterprises’ comments, and upon +further review of the statutory +requirements, as discussed in Section +I.B. above, FHFA has determined that +the Enterprises are not required under +HERA to report these data elements as +they do not currently collect these data. +The Enterprises presented additional +arguments for why they should not be +required to collect and report these data, +which are discussed below. diff --git a/chunks/txt/64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea.txt b/chunks/txt/64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea.txt new file mode 100644 index 0000000000000000000000000000000000000000..b671d7f753ca30aaea8efc4109264cadefd74d1d --- /dev/null +++ b/chunks/txt/64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea.txt @@ -0,0 +1,343 @@ +Dwelling + +1946 + +false + +Standard + +WallsAndCeiling + +Flooring + +FullyUpdated + +612 + +0 + +false + +3 + +1 + +0 + +C4 + +Q5 + +Basic + +NotUpdated + +Unit 1 + +Basic + +Kitchen + +NotUpdated + +Wood + +ExteriorWallsAndTrim + +PostAndPier + +Foundation + +true + +Metal + +TypicalWearAndTear + +Roof + +TypicalWearAndTear + +Windows + +C4 + +Q5 + +1 + +Building 1 + +None + +Dwelling + +1940 + +false + +Standard + +WallsAndCeiling + +Flooring + +FullyUpdated + +676 + +0 + +false + +2 + +1 + +0 + +C4 + +Q5 + +Basic + +NotUpdated + +Unit 2 + +Basic + +Kitchen + +NotUpdated + +Wood + +ExteriorWallsAndTrim + +PostAndPier + +Foundation + +true + +Metal + +TypicalWearAndTear + +Roof + +TypicalWearAndTear + +Windows + +C4 + +Q5 + +1 + +Building 2 + +None + +Outbuilding + +true + +Shed + +PropertyPhoto + +\\Images\2-4_Comp2.png + +image/png + +94 + +210000 + +SettledSale + +25.165171 + +-51.328126 + +Ocean Vista Park + +0 + +Detached + +2 + +true + +2 + +C4 + +Q5 + +false + +false + +FeeSimple + +false + +false + +1288 + +false + +MineralRights + +false + +false + +2018-10-01 + +2018-12-03 + +200500 + +Sale + +USGSLavaFlowZone + +Zone3 + +false + +None + +Residential + +43560 + +Full + +Residential + +Legal + +22-1713 Broad Ave + +Surfside + +12345 + +HI + +Attached + +Carport + +2 + +Driveway + +Gravel + +6 + +false + +0 + +FinancingMethod + +0 + +ContractDate + +0 + +SaleDate + +-15000 + +SiteSize + +0 + +NeighborhoodName + +0 + +ZoningCompliance + +-15000 + +HazardZone + +-5000 + +SiteInfluence + +0 + +YearBuilt + +0 + +GrossBuildingFinishedArea + +4750 + +LivingUnitStandardFinishedAreaAboveGrade + +Unit 1 + +4750 + +LivingUnitStandardFinishedAreaAboveGrade + +Unit 2 + +-20000 + +OverallQualityRating + +-5000 + +OutdoorLivingAmenity + +0 + +WaterFeaturesAmenity + +0 + +VehicleStorage + +199250 + +50500 + +101000 + +West + +Less + +false + +Conventional + +false + +172 + +3 + +4.4 + +-50500 + +ImpactResistantGlass diff --git a/chunks/txt/64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8.txt b/chunks/txt/64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8.txt new file mode 100644 index 0000000000000000000000000000000000000000..749924d42da68855204747f91825e7f171c1bb63 --- /dev/null +++ b/chunks/txt/64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8.txt @@ -0,0 +1,20 @@ +Uniform Residential Appraisal Report + +Page 19 of 21 +Page 19 of 21 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096.txt b/chunks/txt/64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096.txt new file mode 100644 index 0000000000000000000000000000000000000000..f586161d45481c721d0e1e46106e1e81fbfe2b0a --- /dev/null +++ b/chunks/txt/64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096.txt @@ -0,0 +1,9 @@ +[MIRS Public Use File Documentation](/document/mirs-data-dictionary) + +## MIRS Historical Summary Tables + +--- + +The following tables present historical summary data prior to 2008 containing Rates and Terms on Conventional Single-Family Non-farm Mortgage Loans. This survey is the nation's most comprehensive source of information on conventional mortgage rates and terms. + +**Description** **Reporting Period** **Format** Loans Closed, By Property​ Type - Table 1 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE1_may2019.xlsx) Loans Closed, By Loan Type - Table 2 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE2_may2019.xlsx) Loans Closed, 15- and 30- Year Fixed-Rate Mortgages - Table 4 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE4_may2019.xlsx) Loans Closed, By Metropolitan Statistical Area (MSA) - Table 5 Quarterly 1Q2018 - 1Q2019 [[XLSX]](/sites/default/files/2023-09/Table5_apr2019.xlsx) Loans Closed, By FHLB District - Table 6 Quarterly 1Q2018 - 1Q2019 [[XLSX]](/sites/default/files/TABLE6_apr2019.xlsx) All Homes - Table 9 A​nnual 1963 - 2018 [[XLS]](/sites/default/files/Table9-2018-by-Year.xls) Newly Built Homes - Table 10 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table10-2018-by-Year.xls) Previously Occupied Homes - Table 11 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table11-2018-by-Year.xls) Fixed-Rate Mortgages - Table 12 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table12-2018-by-Year.xls) By State - Table 15 Annual 1978 - 2018 [[XLS]](/sites/default/files/Table15-2018-by-State-and-Year.xls) By Metropolitan Statistical Area (MSA) - Table 16 Annual 1978 - 2018 [[XLS]](/sites/default/files/Table16-2018-by-MSA-and-Year.xls) All Homes - Table 17 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table17-2019-by-Month.xls) Newly Built Homes - Table 18 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table18-2019-by-Month.xls) Previously Occupied Homes - Table 19 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table19-2019-by-Month.xls) All Homes, Fixed-Rate Mortgages - Table 20 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table20-2019-by-Month.xls) Newly-Built Homes, Fixed-Rate Mortgages - Table 21 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table21-2019-by-Month.xls) Previously Occupied Homes, Fixed-Rate Mortgages - Table 22 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table22-2019-by-Month.xls) All Homes, Adjustable Rate Mortgages - Table 23 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table23-2019-by-Month.xls) Newly Built Homes, Adjustable Rate Mortgages - Table 24 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table24-2019-by-Month.xls) Previously Occupied Homes, Adjustable Rate Mortgages - Table 25 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table25-2019-by-Month.xls) All Homes, 15- and 30- Year Fixed-Rate Mortgages - Table 26 Monthly 1990 - 2018 [[XLS]](/sites/default/files/Table26-2019-by-Month.xls) ​​​​ diff --git a/chunks/txt/64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54.txt b/chunks/txt/64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54.txt new file mode 100644 index 0000000000000000000000000000000000000000..b90533773fdb472aeaa96f9d3abb8c7509f03bf4 --- /dev/null +++ b/chunks/txt/64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54.txt @@ -0,0 +1,137 @@ +Description of Property Access + +Zoning + +Compliance +Classification Code +Classification Code Description +Reasons Illegal +Impact +Rebuildable to Current +Density/Use + +Description of Zoning Compliance +Property Use + +Primarily Residential +Residential Use +Non-Residential Use +Non-Residential Modification + +Description of Non-Residential Use/Modification + +Site Influence + +Influence + +Proximity + +Detail + +Impact + +Comment + +Site Influence Commentary + +Water Frontage with Private Access + +Total Linear Measurement + +Permanent Waterfront Feature + +Right to Build + +Frontage + +Name + +Waterfront Access Rights + +Access Depth + +Water Frontage Commentary + +View and Impact to Value/Marketability + +View + +Range of View + +Impact + +View Commentary + +Site Features and Impact to Value/Marketability + +Detail + +Impact + +Comment + +Feature +Non-Residential Property Use + +Hazard Zone + +Property Restriction + +Easement + +Encroachment + +Site Characteristic + +Site Features Commentary + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Public + +Private + +Detail + +Dwelling/Improvement within +Utility Easement + +Private Utility +Impact + +Comment + +Electricity + +Gas + +Sanitary Sewer + +Water + +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 + +If more + +than 1 + +Unit-- + +different + +set up + +Apparent Defects, Damages, Deficiencies (Site) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity diff --git a/chunks/txt/64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716.txt b/chunks/txt/64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716.txt new file mode 100644 index 0000000000000000000000000000000000000000..b12e57aab77562dfef29956978d41c5924b7debc --- /dev/null +++ b/chunks/txt/64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716.txt @@ -0,0 +1,33 @@ +DU Underwriting Findings Report + +The Day 1 Certainty section of the DU Underwriting Findings report will be updated with the following: + +▪ The section will include a new header. + +▪ A new row will indicate value acceptance + property data eligibility. + +▪ The Rep & Warrant row will be updated so it not only reflects representation and warranty relief for appraisals with a +CU risk core of 2.5 or less but will also reflect the representation and warranty relief received on loan casefiles that +are eligible for value acceptance, and loan casefiles eligible for value acceptance + property data when the property +data collection has been completed. + +© 2025 Fannie Mae. + +9.24.25 + +1 of 4 + +The following illustrates a loan casefile that was eligible for value acceptance + property data and the property data collection +has been completed. + +Limited Cash-Out Refinance Transactions + +The amount of cash back the borrower may receive in a limited cash-out refinance transaction will be increased from the lesser of +2% of the unpaid balance of the new mortgage or $2,000 to the greater of 1% of the unpaid balance of the new mortgage or +$2,000. DU will be updated to reflect these new cash back limits and will require assets to be documented for liabilities being paid +off with the transaction that exceeds these new limits (vs. the current requirement for asset documentation for the entire amount +of non-subject liabilities being paid off with the transaction). + +When providing information on the liabilities that will be paid off with the transaction, include any liabilities associated with the +subject property in section L4. Qualifying the Borrower of the loan application on Line D., and any liabilities not associated with +the subject property on Line E. diff --git a/chunks/txt/64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43.txt b/chunks/txt/64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e14f71d4b10aef827e35b6952b35ff35fc6804d --- /dev/null +++ b/chunks/txt/64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43.txt @@ -0,0 +1,181 @@ +4000 + +String + +This field should contain a description of the zoning classification of the subject +property. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +R + +At least one instance of this field is +required, the second instance is +optional. + +R + +R + +R + +This field is required if the value of +field e-6 (GSE View Type) is ‘Other’. + +CR + +CR + +CR + +This field should be populated if field 1- +96 (Site Zoning Compliance Type = +'NoZoning') is not indicated + +This field should be populated if field 1- +96 (Site Zoning Compliance Type = +'NoZoning') is not indicated. + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 87 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +98 + +99 + +1 + +1 + +92 + +93 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +PROJECT SITE + +Zoning Compliance +Legal + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='Le +gal'] + +PROJECT SITE + +Zoning Compliance +Legal Nonconforming + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='No +nconforming'] + +Data Point Field +Length + +Format + +13 + +13 + +Enumerated + +Enumerated + +100 + +1 + +94 + +PROJECT SITE + +Do the zoning regulations +permit rebuilding to current +density? +Yes + +Site Zoning Permit +Rebuild To +Current Density +Indicator diff --git a/chunks/txt/64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1.txt b/chunks/txt/64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..6749ed1c32c56d85f4cebfde8a6fab1ec03b3048 --- /dev/null +++ b/chunks/txt/64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1.txt @@ -0,0 +1,114 @@ +Anytown, ST 12345 + + VA  _________________ + +Anytown, ST 12345 + +2.3*Lender + +Ficus Bank + +3.5 Loan ID # + +123456789 + +1.7 Sale Price + +$240,000 + +3.6 MIC # + +000654321 + +Figure 11. Relationship between Purpose and 1.7 Form Field Label + +a. REAL PROPERTY ONLY OR REAL AND PERSONAL PROPERTY NOT I TEMIZED + +The disclosed Sale Price is as recorded on the sales contract. Use the data points shown in Table 15 for the +following cases: + +a. Only real property is included in the sale; or + +b. Both real and personal property are included in the sale, but the sales contract does not itemize each + +type of property separately. + +Appendix E: UCD Implementation Guide + +Page 36 of 254 + +Version 1.4 + +Uniform Closing Dataset + +1.0 Closing Information + +Table 15. Sale Price – Real Property Only or Real and Personal Property Not Itemized + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +1.7 + +Sale Price + +…/SUBJECT_PROPER +TY/SALES_CONTRACT +S/SALES_CONTRACT/ +SALES_CONTRACT_D +ETAIL + +SalesContractAmoun +t + +240000.00 + +Formatting for form +required + +1.7 + +N/A + +PersonalPropertyIncl +udedIndicator + +false + +Not shown - +Indicates need for +applicable data +point(s) + +b. SALE PRI CE – REAL AND PERSONAL PROPERTY I TEMIZED SEPARATELY + +Use the data points shown in Table 16 when both real and personal property are included in the sale and the +sales contract itemizes each type of property separately. + +Table 16. Sale Price - Real and Personal Property Itemized Separately + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +1.7 diff --git a/chunks/txt/64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2.txt b/chunks/txt/64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2.txt new file mode 100644 index 0000000000000000000000000000000000000000..637cb1b508e0ac9bc934178450da6d748010988e --- /dev/null +++ b/chunks/txt/64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/deemed-issuance-ratio" +date_accessed: "2026-01-27T17:54:20.428Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67.txt b/chunks/txt/64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67.txt new file mode 100644 index 0000000000000000000000000000000000000000..de6ba9ee3c636aed6a73182b34888010f7d80a58 --- /dev/null +++ b/chunks/txt/64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67.txt @@ -0,0 +1,34 @@ +Lenders will now be able to provide “Timeshare” and “Chattel” in the Other Description field and DU will also not include those +properties when applying the multiple financed properties guidelines. + +Cooperative Properties + +The messages issued on cooperative properties will be simplified. As the project review message requires a review of the +cooperative project in accordance with the Fannie Mae Selling Guide to determine that the project meets Fannie Mae's eligibility +and underwriting requirements, other duplicative messages will be retired. + +Housing Counseling Agency ID + +The Housing Counseling Agency ID field validation will be updated to ensure only five digits are provided. + +© 2025 Fannie Mae. + +9.24.25 + +3 of 4 + +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Single-Family Market Engagement Team, and +mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration Impact +Memo will be posted on the Technology Integration page. + +© 2025 Fannie Mae. + +9.24.25 + +4 of 4 diff --git a/chunks/txt/64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18.txt b/chunks/txt/64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18.txt new file mode 100644 index 0000000000000000000000000000000000000000..b2867abad7a616a82c427a1f422b0cc125a05b4c --- /dev/null +++ b/chunks/txt/64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18.txt @@ -0,0 +1,115 @@ +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 318 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +25 Cost Approach + +Information for each Land Comparable + +The Land Comparables table displays if Primary Site Valuation Method is Sales Comparison, and the “When to +Include” column in this table reflects this. + +Report +Field ID + +25.042 # + +25.043 Address + +25.043 Address + +25.044 County + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Cost Approach - Land Comparables + +Required for each land +comparable + +If available for each +land comparable + +Required for each land +comparable + +Required for each land +comparable + +1, 2, 3 … + +Land Comparable # + +Free-form + +Land Comparable Street Address +If the street address is unavailable or has not yet been assigned, provide any +information necessary to identify the property. + +Free-form + +Land Comparable City, State, ZIP Code + +Free-form + +Name of the county or parish as defined by the state. + +Note: If the land comparable is not located in any county (e.g., located in an +independent city), enter the name of the local municipality or district in which +the property is located. + +25.045 Data Source + +Required for each land +comparable + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Assessor Record +Builder or Developer +Data Aggregator +Exterior Inspection +Homeowners Association +Land Survey +Lender + +Land Comparable Data Source +• +• +• +• +• +• +• +• MLS +• +• +• +• +• + +Previous Appraisal File +Property Owner +Real Estate Agent +Zoning +Other (Describe) diff --git a/chunks/txt/650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1.txt b/chunks/txt/650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e43da20786d6e35a24ae0f9ed6d78364f177a93 --- /dev/null +++ b/chunks/txt/650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/nmdb" +date_accessed: "2026-01-27T17:54:20.636Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d.txt b/chunks/txt/650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2ccd412333ff6bc0f322ec176de882950ecfed1 --- /dev/null +++ b/chunks/txt/650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d.txt @@ -0,0 +1,183 @@ +24 + +Detached, 1 story, manufactured, modular, and site built dwellings with no basements located within Market Boundaries and sold from 6/1/21 - 3/1/22. + +15 + +400000 + +89000 + +120 + +265000 + +ActiveListings + +1 + +PendingSales + +27 + +375000 + +159000 + +250000 + +TotalSales + +ThreeToSixMonths + +InBalance + +false + +Market data reflects the manufactured and modular home market in the subject's area. The data indicates the market is stable to slightly increasing with sales activity of 1 to 2 sales per month which is typical for this rural area. The Smokey Bear Gazette is a local print media that reports non-MLS home sales and listings. 2 active listings and 3 sales were reported for the 9 months prior to the effective date of the appraisal and are included in the data reported above. + +Magic Hill + +Section 23 Township 3S Range 3E Tax Lot 00700 and 00700B + +14000 + +LandWithDwelling + +AssessorUnformattedIdentifier + +ERW 14885329 - 23 + +AlternativePropertyIdentifier + +US-51107-N-91845-R-N + +RESO + +120 + +Pavers + +Patio + +120 + +true + +Composite + +Porch + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +false + +false + +C2 + +Q3 + +true + +true + +FeeSimple + +false + +false + +false + +false + +false + +false + +TraditionalAppraisal + +true + +false + +2019-06-16 + +38500 + +Sale + +LandSale + +None + +true + +true + +true + +true + +true + +Asphalt + +Local + +true + +PublicStreet + +true + +false + +false + +Topography + +Neutral + +Flat + +The subject is located within 1/2 mile of a regional park with a lake, hiking and horse back riding trails, playgrounds, and picnic areas. + +Offsite + +Park + +Beneficial + +Bordering + +Residential + +Neutral + +14000 + +1 + +Public + +Electricity + +Public + +Gas + +Public + +SanitarySewer diff --git a/chunks/txt/65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2.txt b/chunks/txt/65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2.txt new file mode 100644 index 0000000000000000000000000000000000000000..028c74eb98787b185d917182d1ecd2d374c2e149 --- /dev/null +++ b/chunks/txt/65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2.txt @@ -0,0 +1,21 @@ +2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics +of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender +identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the +present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other +basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and +limiting conditions herein. + +6. I certify that I did perform a personal inspection of the subject property to determine if the conditions or requirements stated in the original +appraisal have been satisfied. + +7. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal +and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. diff --git a/chunks/txt/65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b.txt b/chunks/txt/65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c42982e5fb2cc1a889c8a14f3b91d0a1f291b22 --- /dev/null +++ b/chunks/txt/65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b.txt @@ -0,0 +1,96 @@ +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +25.050 Reconciliation of + +Always required + +Free-form + +Site Value + +N/A + +See +iGuide + +If relevant + +Image + +Definition / Additional Guidance + +Commentary should include information pertinent to the Opinion of Site Value +that is not captured in the discrete data, or additional details to support the +discrete data that is provided, including access, utilities, zoning, views, or site +influences of the land comparables in relation to the subject. + +Map of Land Comparables +A map of the subject and land comparables should be included, which displays +in Cost Approach Exhibits with the caption “Map of Land Comparables”. An +additional caption may be provided to further identify the image. + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +General Description + +Report +Field ID + +Report Label + +When to Include + +25.051 Cost Type + +Always required + +25.052 Cost Data Source Always required + +Cost Approach – General Description + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +The method by which all buildings in the Cost Approach section would be +reconstructed. +• +• + +Replacement +Reproduction + +Cost Data Source: The primary source that the appraiser cited for cost data in +the Cost Approach section. +• +Builder or Developer +• +Cost Service (Displays Cost Service Provider instead) +• +Cost Survey +• +Other (Describe) diff --git a/chunks/txt/654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565.txt b/chunks/txt/654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9563cb8620469224b0bd615b6f43e3d3e44198d --- /dev/null +++ b/chunks/txt/654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565.txt @@ -0,0 +1,19 @@ +30-Year Fixed Rate – 275K Max Loan Amount product grid +coming to PE – Whole Loan + +Integration Impact Memo + +May 1, 2023 + +On May 8 a new 30-Year Fixed Rate – 275K Max Loan Amount product grid will be available in Pricing & Execution – Whole +Loan® (PE – Whole Loan®). + +• 30-Year Fixed Rate - 275k Max Loan Amount (product code: 222032) + +The product mapping guide has been updated. This new product grid is available in our test environment. + +Questions? Please email the PE - Whole Loan Integrations Team. + +Fannie Mae Confidential + +© 2023 Fannie Mae 5.5.23 Page 1 of 1 diff --git a/chunks/txt/654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151.txt b/chunks/txt/654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151.txt new file mode 100644 index 0000000000000000000000000000000000000000..37577de184d3cb736ec70fd0027d9194eb973180 --- /dev/null +++ b/chunks/txt/654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151.txt @@ -0,0 +1,200 @@ +This field may not exist in all forms vendor +software. + +50 + +50 + +50 + +50 + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/@_AdditionalDescription + +12,000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 70 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +No more than one of fields 3-7, 3-8 (values of +Cost Analysis Type) may be indicated. + +No more than one of fields 3-7, 3-8 (values of +Cost Analysis Type) may be indicated. + +403 + +404 + +405 + +406 + +407 + +3 + +3 + +3 + +3 + +3 + +6 + +7 + +8 + +9 + +COST APPROACH + +Support for the Opinion +of Site Value + +Site Estimated Value +Comment + +COST APPROACH Reproduction Cost + +Cost Analysis Type + +COST APPROACH Replacement Cost + +Cost Analysis Type + +A free-form text field used to further +describe the estimated value provided +in Site Estimated Value Amount. +Specifies the type cost analysis +performed. (e.g. whether it was for +Replacement Costs or Reproduction +Costs) +Specifies the type cost analysis +performed. (e.g. whether it was for +Replacement Costs or Reproduction +Costs) + +COST APPROACH Source of Cost Data + +Data Source +Description diff --git a/chunks/txt/6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d.txt b/chunks/txt/6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d.txt new file mode 100644 index 0000000000000000000000000000000000000000..625c20b871772dced4adfc1d69754bc0f1045bb6 --- /dev/null +++ b/chunks/txt/6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d.txt @@ -0,0 +1,78 @@ +Individual AC Bath Wainscot + +Doors + +Finished area above grade contains: +Are the heating and cooling for the individual units separately metered? + +Rooms + +Bedrooms + Yes + +Fireplace(s) # + Woodstove(s) # + Deck/Patio + Porch/Balcony + Other + +Refrigerator + Range/Oven + Disp + Dishwasher + Washer/Dryer + +Microwave + +Assigned +Parking Space # +Square Feet of Gross Living Area Above Grade + No If No, describe and comment on compatibility to other projects in the market area. + +Owned + +Bath(s) + +None + Garage + +# of Cars + +Covered + +Open + +Additional features (special energy efficient items, etc.) + +Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). + +Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? + +Yes + +No If Yes, describe + +Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? + +Yes + +No If No, describe + +I + +did + +did not research the sale or transfer history of the subject property and comparable sales. If not, explain + +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. + +My research +Data source(s) +My research +Data source(s) +Report 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). +COMPARABLE SALE # 3 + +did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. diff --git a/chunks/txt/65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607.txt b/chunks/txt/65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607.txt new file mode 100644 index 0000000000000000000000000000000000000000..e674df4e0e6e72b5f1e19ad05ec3c3138c53016f --- /dev/null +++ b/chunks/txt/65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607.txt @@ -0,0 +1,77 @@ +Page 14 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +I did/did not analyze the contract for sale +for the subject purchase transaction. +The appraiser must indicate whether analysis +was performed on the contract for sale. + +Reporting Format: +I did/did not analyze the contract for sale for +the subject purchase transaction. – Checkbox +designated with an ‘x’ + +The appraiser must also indicate the type of +sale for this transaction from the list of +available choices. The appraiser must start at +the top of the list and select the first sale type +that applies. Only one selection is permitted. +The valid sale types are as follows: + +SALE TYPE + +REO sale + +Short sale + +Court Ordered sale + +Estate sale + +Relocation sale + +Non-arm’s length sale + +Arm’s length sale + +After selecting a valid sale type, enter an +explanation of the results of the analysis of +the contract or why the analysis was not +performed. The appraiser may report any +other relevant information regarding the sale +type, including whether more than one sale +type applies, in this field or elsewhere in the +appraisal report. + +Reporting Format: +Sale Type – Appraiser must select one value +from the specified list Description of Analysis – +Text +The PDF creator will automatically insert a +semicolon to separate the data values. diff --git a/chunks/txt/65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c.txt b/chunks/txt/65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6fdf6c8a43aa4fe9953f675d9459d253ae94230 --- /dev/null +++ b/chunks/txt/65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c.txt @@ -0,0 +1,27 @@ +Q3 +Dwellings with this quality rating are residences of higher quality built from individual or readily +available designer plans in above-standard residential tract developments or on an individual property +owner’s site. The design includes significant exterior ornamentation and interiors that are well finished. +The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling +have been upgraded from “stock” standards. + +Q4 +Dwellings with this quality rating meet or exceed the requirements of applicable building codes. Standard +or modified standard building plans are utilized and the design includes adequate fenestration and some +exterior ornamentation and interior refinements. Materials, workmanship, finish, and equipment are of +stock or builder grade and may feature some upgrades. + +Q5 +Dwellings with this quality rating feature economy of construction and basic functionality as main +considerations. Such dwellings feature a plain design using readily available or basic floor plans featuring +minimal fenestration and basic finishes with minimal exterior ornamentation and limited interior detail. +These dwellings meet minimum building codes and are constructed with inexpensive, stock materials with +limited refinements and upgrades. + +Q6 +Dwellings with this quality rating are of basic quality and lower cost; some may not be suitable for year- +round occupancy. Such dwellings are often built with simple plans or without plans, often utilizing the +lowest quality building materials. Such dwellings are often built or expanded by persons who are +professionally unskilled or possess only minimal construction skills. Electrical, plumbing, and other +mechanical systems and equipment may be minimal or non-existent. Older dwellings may feature one or +more substandard or non-conforming additions to the original structure. diff --git a/chunks/txt/657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c.txt b/chunks/txt/657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a09fc01b41d7c27070939844b9557d4e6b66ba4 --- /dev/null +++ b/chunks/txt/657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c.txt @@ -0,0 +1,3 @@ +29 Certifications and Scope of Work .................................................................................................................................................................................................... 362 + +Overview ................................................................................................................................................................................................................................................ 362 diff --git a/chunks/txt/6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455.txt b/chunks/txt/6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455.txt new file mode 100644 index 0000000000000000000000000000000000000000..316b16d8bcfa1964a23be407d94aedfd28b3eafb --- /dev/null +++ b/chunks/txt/6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455.txt @@ -0,0 +1,135 @@ +Depending on the business condition triggering the requirement for the LOAN +container in a particular loan state, the GSEs have developed the following usage +requirements. These are summarized in Table IV-7, below, and described in more +detail in the following sections. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 36 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Table IV-7. Summary of LOAN Container Delivery Requirements by LoanRoleType and LoanStateType Values. + +ID + +Condition + +LoanRoleType + +LoanStateType + +LoanStateDate + +Conditions + +AtClosing + +NoteDate + +Standard delivery + +i + +Non-Modified +Loans + +SubjectLoan + +ii + +Modified Loans + +SubjectLoan + +Current + +AtClosing (Subset for +modified loans) + +AtModification + +Current + +Date data retrieved +from submitter’s +system + +Required for every loan + +NoteDate + +Loan has been modified + +LoanModificationEffect +iveDate + +Date data retrieved +from submitter’s +system + +Loan has been modified + +Required for every loan + +Convertible loan that has +not been modified + +AtClosing + +NoteDate + +iii + +Converted +Loans + +SubjectLoan + +AtConversion + +LatestConversionEffec +tiveDate + +Conversion option has +been exercised + +Current + +Date data retrieved +from submitter’s +system + +AtClosing + +NoteDate + +SubjectLoan + +AtReset + +BalloonResetDate + +Current + +Date data retrieved +from submitter’s +system + +Required for every loan + +Balloon Reset Loan that +has not been modified + +Balloon reset option has +been exercised + +Required for every loan + +RelatedLoan + +AtClosing + +RelatedLoan diff --git a/chunks/txt/659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa.txt b/chunks/txt/659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ba8a1603a68755612c3c4c0527f2ddb2303a198 --- /dev/null +++ b/chunks/txt/659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa.txt @@ -0,0 +1,108 @@ +Invoice(s) Appear +Reasonable + +0500.0013 + +ManufacturedHomeInvoiceReasonableIndica +tor + +Commentary on Why +Invoice(s) Not +Reasonable + +0500.0012 + +ManufacturedHomeInvoiceNotReasonableDe +scription + +Appendix B-1: URAR Implementation Guide v1.3 + +NA + +NA + +NA + +Display when +ManufacturedHomeFinancingProgramEligibilit +yType Exists + +Subsection displays when +NewConstructionIndicator = "true" + +Display when NewConstructionIndicator = +"true" + Display when +ManufacturedHomePurchasedFromRetailerIn +dicator = “true” + Display when +ManufacturedHomePurchasedFromRetailerIn +dicator = “true” +Display when NewConstructionIndicator = +"true" +Display when +(ManufacturedHomeRetailerInvoiceReviewed +Indicator = "true" OR +ManufacturedHomeInvoiceReviewedIndicator += "true") +Display when +ManufacturedHomeInvoiceReasonableIndicat +or = "false" + +NA + +NA + +NA + +NA + +NA + +NA + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Manufactured Home +Commentary +9.026 + +0500.0042 ManufacturedHomeValuationCommentText Display when Exists. + +Display when Exists. + +Page 174 + +Manufactured Home + +Display Rules + +Dwelling + +Outbuilding/ADU + +Display when ImprovementType (UID: +0300.0009) = “Dwelling” and +ConstructionMethodType (UID: 0300.0034) += “Manufactured” + +Display when (ImprovementType (UID: +0300.0009) = "Outbuilding" AND +OutbuildingType (UID: 0300.0025) = +"ManufacturedHome" AND +LivingUnitCount (UID: 0300.0063) > 0) + +Do not display subsection when no comment is provided. + + + + +Figure 9 - 1 + +SAB032252MLAX +FannieMaeMHAdvantage diff --git a/chunks/txt/659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a.txt b/chunks/txt/659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd5a7561890c41ff6ae6333bcbb904f86ed420d0 --- /dev/null +++ b/chunks/txt/659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a.txt @@ -0,0 +1,17 @@ +HERA authorizes the Director of the Federal Housing Finance Agency (FHFA) to temporarily suspend allocations by an Enterprise upon a finding by the Director that such allocations: 1) are contributing, or would contribute, to the financial instability of the Enterprise; 2) are causing, or would cause, the Enterprise to be classified as undercapitalized; or 3) are preventing, or would prevent, the Enterprise from successfully completing a capital restoration plan; 12 USC 4567(b). + +On November 13, 2008, the Director of FHFA temporarily suspended the allocation of funds by the Enterprises pursuant to section 4567(b). On December 11, 2014, the Director of FHFA terminated the temporary suspension of these allocations and directed the Enterprises to begin making contributions pursuant to 12 USC 4567(a) in accordance with certain terms and conditions. + +#### Links: + +--- + +[FHFA Announces More than $1.1 Billion for Affordable Housing Programs​](/fhfa-announces-more-11-billion-affordable-housing-programs) (2/28/2022) + +[FHFA Release on Authorization of Affordable Housing Funds](/fhfa-authorizes-more-1-billion-affordable-housing-funds) (3/1/2021) + +[FHFA Release on Authorization of Payments to Housing Trust Fund and Capital Magnet Fund](/fhfa-authorizes-payments-housing-trust-fund-and-capital-magnet-fund-0)​ (2/27/2020) + +[FHFA Release on Authorization of Payments to Housing Trust Fund and Capital Magnet Fund](/fhfa-authorizes-payments-housing-trust-fund-and-capital-magnet-fund)(4/3/2019) + +[Letter to Fannie Mae](/sites/default/files/2023-04/Affordable-Housing-Funds_FNM-Directive.pdf) (4/3/2019) diff --git a/chunks/txt/65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc.txt b/chunks/txt/65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc.txt new file mode 100644 index 0000000000000000000000000000000000000000..b451f1037077a25699e145a60e08afec55761fba --- /dev/null +++ b/chunks/txt/65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc.txt @@ -0,0 +1,5 @@ +record_id: 1900128594000 | year: 2019 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06037 | county_fips_2020: NA | tract_fips_2010: 06037432102 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 635000 | sales_range_low: 355000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: 18450 | average_adjustment: 16100 | adjusted_price: 635000 | number_comparables: 4 | same_tract_percent: 0 | calculated_proximity: 0.68 | reported_proximity: 0.64 | value_sale_comparison: 625000 | value_cost: 615000 | value_income: NA | appraised_value: 625000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1900101999000 | year: 2019 | weight: 20 | state_fips_2010: 53 | state_fips_2020: NA | county_fips_2010: 53067 | county_fips_2020: NA | tract_fips_2010: 53067010300 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 185000 | built_up: 1 | growth_rate: 1 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 225000 | sales_range_low: 195000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: -8000 | average_adjustment: -9052 | adjusted_price: 185000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 0.87 | reported_proximity: 0.78 | value_sale_comparison: 195000 | value_cost: 195000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: 100.1 | comparison_to_contract: 100.1 | dts_rural: 2 +record_id: 1900266203000 | year: 2019 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06029 | county_fips_2020: NA | tract_fips_2010: 06029003204 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 235000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 725000 | sales_range_low: 225000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -9100 | average_adjustment: -5100 | adjusted_price: 235000 | number_comparables: 3 | same_tract_percent: 80 | calculated_proximity: 0.54 | reported_proximity: 0.54 | value_sale_comparison: 235000 | value_cost: 235000 | value_income: NA | appraised_value: 235000 | appraisal_to_contract: 101.3 | comparison_to_contract: 101.3 | dts_rural: 2 +record_id: 1900253064000 | year: 2019 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06061 | county_fips_2020: NA | tract_fips_2010: 06061023100 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 445000 | 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: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 4277 | average_adjustment: 794 | adjusted_price: 445000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.14 | reported_proximity: 0.14 | value_sale_comparison: 445000 | value_cost: 115000 | value_income: NA | appraised_value: 445000 | appraisal_to_contract: 100.9 | comparison_to_contract: 100.9 | dts_rural: 2 +record_id: 1900194591000 | year: 2019 | weight: 20 | state_fips_2010: 01 | state_fips_2020: NA | county_fips_2010: 01071 | county_fips_2020: NA | tract_fips_2010: 01071950900 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 175000 | sales_range_low: 85000 | updated_last_15_years: 1 | lot_size: 4 | quality: 3 | condition: 3 | bathroo diff --git a/chunks/txt/65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d.txt b/chunks/txt/65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf8a2e6a6d5ec090bae7a19e10f97e6d01e001ff --- /dev/null +++ b/chunks/txt/65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d.txt @@ -0,0 +1,85 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘BasementFinish’]/@_Amount + +SALES +COMPARISON +APPROACH + +Functional Utility + +SALES +COMPARISON +APPROACH + +Functional Utility Adjustment + +SALES +COMPARISON +APPROACH + +Heating/Cooling + +SALES +COMPARISON +APPROACH + +Heating/Cooling Adjustment + +SALES +COMPARISON +APPROACH + +Energy Efficient Items + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Amount + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Amount + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘FunctionalUtility’]/@_Description + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘FunctionalUtility’]/@_Amount + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘HeatingCooling’]/@_Description + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. diff --git a/chunks/txt/65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258.txt b/chunks/txt/65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9040abfd494fd37e354bd78ec1eec76659eee78 --- /dev/null +++ b/chunks/txt/65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258.txt @@ -0,0 +1,122 @@ +1 = Fixed-rate mortgage (FRM) +2 = Adjustable-rate mortgage (ARM) +3 = Other type of mortgage +9 = Missing + +The purchase price of the property reported by +the Enterprise. Where unavailable, including +non-purchase mortgages, FHFA estimates the +purchase price by dividing the origination UPB +by the origination LTV. Values are rounded to +the nearest $1,000. +This is the note’s interest rate at the time of +origination and not the Annual Percentage +Rate (APR) on which a HMDA rate spread +would be based. + +11 + +9 + +purchase_price + +Purchase Price + +999999999 = Missing + +12 + +2 + +rate_orig_cat + +Interest Rate at +Origination + +13 + +1 + +term_orig_cat + +Term of Mortgage at +Origination + +1 = Less than 4.00 +2 = 4.00 - < 4.50 +3 = 4.50 - < 5.00 +4 = 5.00 - < 5.50 +5 = 5.50 - < 6.00 +6 = 6.00 - < 6.50 +7 = 6.50 - < 7.00 +8 = 7.00 - < 7.50 +9 = 7.50 - < 8.00 +10 = 8.00 or greater +99 = Missing +1 = 30-year +2 = 15-year +3 = Other terms +9 = Missing + +SF NFC + +16 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File C + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +14 + +term_amort_cat + +Amortization Term + +15 + +1 + +portfolio + +Portfolio Flag + +The mortgage’s status with respect to the +Enterprise’s retained portfolio as of December +31, 2024. + +1 = 30-year +2 = 15-year +3 = Other terms including non- +amortizing loans +9 = Missing +1 = Not held on portfolio: Indicates the +security backed by the high-cost loan +was sold in its entirety by the +Enterprise during the calendar year +and not repurchased as of year-end. +2 = Retained on portfolio: Indicates the +security backed by the high-cost loan +was sold in its entirety by the +Enterprise during the calendar year, +but that all or a portion of the security +collateralized by such high-cost loan +was repurchased by the Enterprise +during such calendar year and held at +year-end. diff --git a/chunks/txt/65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72.txt b/chunks/txt/65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72.txt new file mode 100644 index 0000000000000000000000000000000000000000..99d6049deca72da7707a52f9a36e03ffbef58ec2 --- /dev/null +++ b/chunks/txt/65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72.txt @@ -0,0 +1,65 @@ +The current PUDB Single-Family +Census Tract File does not include the +HMDA Note Amount. To conform with +HMDA, the PUDB Single-Family Census +Tract File will add a new field called +Note Amount to indicate the amount to +be repaid as disclosed on the legal +obligation. Note Amount will be +disclosed as the midpoint of the $10,000 +interval in which the actual amount +falls, in conformance with the CFPB +Privacy Guidance.49 + +2. HMDA Single-Family Data Elements +Already in the PUDB + +FHFA identified several HMDA +single-family data elements that were +added, modified, or unchanged by the +Regulation C amendments and are +already reported by the Enterprises and +disclosed in the current PUDB. The +Enterprises’ reporting requirements thus +generally will not change for these data +elements. However, the disclosure in +the PUDB will change in some cases to +conform with the CFPB Privacy +Guidance. In addition, some of the data +elements were defined as HMDA data +for the first time in 2018 in Regulation +C and, therefore, any proprietary +protections they received in the PUDB +are no longer permissible under the +Safety and Soundness Act and will be +removed. All of the data elements will +be released in the PUDB Single-Family +Census Tract File, with modifications as +appropriate to conform with the CFPB +Privacy Guidance. + +i. Disclosure Changes in the PUDB + +The single-family data elements listed + +below were previously withheld from +the PUDB or disclosed in the PUDB +with proprietary protections, but are +defined as HMDA data elements in 2018 +and must be disclosed, with +modifications as appropriate to conform +with the CFPB Privacy Guidance. In +some cases, the data element was +defined as a HMDA data element for the +first time in 2018 and, thus, is no longer +eligible for the proprietary protections it +had been receiving in the PUDB. The +data elements previously disclosed only +in the National Files that must now be +disclosed in the PUDB Single-Family +Census Tract File will continue to be +disclosed in the National Files as well +as being added to the Census Tract File. +Interest Rate: Interest Rate is a new +HMDA data element that discloses the +actual note rate on the loan as a diff --git a/chunks/txt/65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a.txt b/chunks/txt/65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a.txt new file mode 100644 index 0000000000000000000000000000000000000000..858288b645223b4156fa152ee42f2e1963b7bf3b --- /dev/null +++ b/chunks/txt/65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a.txt @@ -0,0 +1,50 @@ +Page [Page] of [Pages] + +Energy Efficient and Green Features + +Known Renewable Energy Components + +Renewable Energy Component +(cid:25)(cid:17)(cid:19)(cid:19)(cid:20) + +Known Building Certifications + +(cid:25)(cid:17)(cid:19)(cid:19)(cid:23) + +(cid:25)(cid:17)(cid:19)(cid:19)(cid:19) + +Ownership +(cid:25)(cid:17)(cid:19)(cid:19)(cid:21) + +Building Certification Organization +(cid:25)(cid:17)(cid:19)(cid:19)(cid:24) + +Certification +(cid:25)(cid:17)(cid:19)(cid:19)(cid:25) + +Known Efficiency Ratings + +(cid:25)(cid:17)(cid:19)(cid:20)(cid:19) + +Green/Energy Efficiency Rating +Organization +(cid:25)(cid:17)(cid:19)(cid:20)(cid:20) + +Rating +(cid:25)(cid:17)(cid:19)(cid:20)(cid:21) + +Energy Efficient and Green Features Impact to Value/Marketability + +Impact to Value/Marketability + +(cid:25)(cid:17)(cid:19)(cid:20)(cid:23) + +Description + +(cid:25)(cid:17)(cid:19)(cid:20)(cid:24) + +Energy Efficient and Green Features Commentary +(cid:25)(cid:17)(cid:19)(cid:20)(cid:25) +Energy Efficient and Green Features Exhibits + +(cid:25)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:25)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:21) diff --git a/chunks/txt/65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd.txt b/chunks/txt/65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6cc4c2b65ac9575c7c3166619534f35084e29ec --- /dev/null +++ b/chunks/txt/65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd.txt @@ -0,0 +1,63 @@ +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 16 of 19 +Page 16 of 19 + +Reconciliation (continued) + +Apparent Defects, Damages, Deficiencies + +None + +Revision History + +Revision Date +03/15/2024 + +URAR Section +Sales Comparison Approach + +03/15/2024 + +Reconciliation + +Reconsideration of Value + +Type +Date + +Borrower-Initiated +03/15/2024 + +Description +The comparables provided from the borrower-initiated ROV were reviewed +and considered. Two sales were deemed reliable and put in the sales grid, +which increased the Indicated Value by Sales Comparison Approach. One was +deemed less reliable and added to Additional Properties Analyzed Not Used. + +Due to the increase in Indicated Value by Sales Comparison +Approach, the Opinion of Value changed. + +Result + +Value Change + +Reconsideration of Value Commentary The borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After +analyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 17 of 19 +Page 17 of 19 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. diff --git a/chunks/txt/65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850.txt b/chunks/txt/65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850.txt new file mode 100644 index 0000000000000000000000000000000000000000..d18f0f1b3a375376c170d8054deb162bf8a5b696 --- /dev/null +++ b/chunks/txt/65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850.txt @@ -0,0 +1,97 @@ +Years + +Indicated Value By Cost Approach.............................................=$ 37 + +Estimated Monthly Market Rent $ 38 +Summary of Income Approach (including support for market rent and GRM) 41 + +X Gross Rent Multiplier 39 + += $ 40 + +Indicated Value by Income Approach + +INCOME APPROACH TO VALUE (not required by Fannie Mae) + +I +N +C +O +M +E + +PROJECT INFORMATION FOR PUDs (if applicable) + +42 + +Is the developer/builder in control of the Homeowners’ Association (HOA)? Yes No +Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit. +Legal name of project 46 +Total number of phases 47 +Total number of units rented 50 Total number of units for sale 51 +Was the project created by the conversion of an existing building(s) into a PUD? Yes No If Yes, date of conversion 55 +Does the project contain any multi-dwelling units? Yes No Data source(s) 58 +Are the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion. 61 + +Total number of units sold 49 +Data source(s) 52 +54 +53 + +Unit type(s) Detached Attached + +Total number of units 48 + +43 + +45 + +44 + +57 + +56 + +59 + +60 + +Are the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64 + +63 + +62 + +P +U +D + +I +N +F +O +R +M +A +T +I +O +N + +Describe common elements and recreational facilities 65 + +Freddie Mac Form 2055 March 2005 226 + +Page 3 of 6 + +Fannie Mae Form 2055 March 2005 + +2 + +Exterior-Only Inspection Residential Appraisal Report + +File # 3 4 4a + +This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; +including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a +manufactured home or a unit in a condominium or cooperative project. diff --git a/chunks/txt/65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb.txt b/chunks/txt/65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..601145cd33166faa504e5a1a69f2d85e1c533111 --- /dev/null +++ b/chunks/txt/65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb.txt @@ -0,0 +1,21 @@ +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses, +opinions, statements, conclusions, and the appraiser’s certification. + +5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. + +6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions, +statements, conclusions, and the appraiser’s certification. + +7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm), +is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law. + +8. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal +and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. diff --git a/chunks/txt/65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee.txt b/chunks/txt/65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee.txt new file mode 100644 index 0000000000000000000000000000000000000000..8573df874a54caa2187e726b5c44161851368e04 --- /dev/null +++ b/chunks/txt/65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee.txt @@ -0,0 +1,77 @@ +Full page width + +• + +“Commentary on Remaining Economic Life,” “Commentary on Effective Age” set as TXC-B +text x 45 picas (bold lead in to Myriad Pro Regular text) + +Right-hand side of page + +• Photo of Structure displays in right column, no caption + +Quality and Condition (H1) + +Left-hand side of page + +• + +“Exterior Quality Rating” sets as TXR-B, TXR + +Right-hand side of page + +• + +“Exterior Condition Rating” sets as TXR-B, TXR + +Full page width + +• + +“The table below supports the Exterior Quality and Condition ratings and reflects the market +value condition of this report” sets as TXC-I, Myriad Pro Italic text x 45 picas + +Exterior Features (H2) + +Exterior Features table + +• Column heads: “Feature,” “Detail,” “Quality Comment,” “Condition Status,” “Condition + +Comment” set as TCH in 5 equal column table x 45 picas. + +• + +• + +“Feature” column rows set as TB “Exterior Walls and Trim,” “Foundation,” “Roof,” and +“Windows”. + +“[Other Exterior Feature]” sets as TB if applicable per iGuide. + +Appendix E: Report Style Guide + +Page 43 of 90 + +Version 1.4 + +• Content sets as TB. + +• Columns 1–5 equal width: ~28 characters max per line in each cell. + +EXTERIOR FEATURES TABLE + +Noncontinuous Finished Area (H1) + +Set TXC-I x 45 picas above table “The table below depicts any finished area that is attached to the dwelling but +separate and not directly accessible from any unit”. + +Left-hand side of page - Noncontinuous Finished Area table + +• Column heads: “Finish,” “Total Area,” “Room Summary” set as TCH in 3 equal column table x + +22 picas. + +• + +“Finish” column, first row sets as TB “Finished”. + +• Content sets as TB. diff --git a/chunks/txt/65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa.txt b/chunks/txt/65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa.txt new file mode 100644 index 0000000000000000000000000000000000000000..304508d9cb7c9f48d87b47a60138f9ddd4eda056 --- /dev/null +++ b/chunks/txt/65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa.txt @@ -0,0 +1,115 @@ +TRANSACTION GRANTED EARLY TERMINATION + +ET date + +Trans No. + +ET req +status + +Party name + +. +01–JUN–10 ............................................................ + +20100246 + +20100657 + +20100692 + +20100718 + +20100720 + +20100722 + +20100723 + +20100727 + +20100728 + +20100730 + +03–JUN–10 ............................................................ + +20100702 + +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G +G + +Francisco Partners, L.P. +Inovis International, Inc. +Inovis International, Inc. +AMETEK, Inc. +Pfingsten Executive QP Fund III, L.P. +TSE Acquisition Corporation. +Hewlett-Packard Company. +Palm, Inc. +Palm, Inc. +Industrial Growth Partners III, L.P. +Fred H. Stubblefield, III. +Controls Southeast, Inc. +Veraz Networks, Inc. +Dialogic Corporation. +Dialogic Corporation. +Mill Road Capital, L.P. +Rubio’s Restaurants, Inc. +Rubio’s Restaurants, Inc. +Thomas H. Lee Equity Fund VI, L.P. +inVentiv Health, Inc. +inVentiv Health, Inc. +Leonard A, Lauder. +SBX, LLC. +SBX Holding Company. +NRG Energy, Inc. +Pinnacle West Capital Corporation. +Northwind Phoenix, LLC. +Providence Equity Partners VI, L.P. +Virtual Radiologic Corporation. +Virtual Radiologic Corporation. +LifePoint Hospitals, Inc. + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00063 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1 + +I + +S +E +C +T +O +N +h +t +i diff --git a/chunks/txt/65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7.txt b/chunks/txt/65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..f1964292a3f2ee521f50e06a4da6e63acb2c48b4 --- /dev/null +++ b/chunks/txt/65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7.txt @@ -0,0 +1,75 @@ +The taxes are escrowed while the homeowner’s insurance and association dues are not. The associated costs of each + +component are not collected. + +b. Total ETI&A Cost per Month + +The total monthly payment for ETI&A is provided in + +ProjectedPaymentEstimatedTaxesInsuranceAssessmentTotalAmount and PaymentFrequencyType = “Monthly”. +PaymentFrequencyType is also used to indicate the payment period for the “Estimated Total Monthly Payment”. Although +rendered in two locations in the Projected Payments table, this data point is provided only once in the +PROJECTED_PAYMENT container (see Table 39 UID 5.009). + +Table 38. UCD v2.0 Spec Excerpt – ETI&A Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L +OAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED_PRO +PERTY_COST/ESTIMATED_PROPERTY_COST_COMPONENTS/ESTIMATED_PROPERTY_COST_COMPONENT + +5.045 + +ProjectedPaymentEscrowedType + +Escrowed + +5.038 + +ProjectedPaymentEstimatedTaxesIn +suranceAssessmentComponentType + +PropertyTaxes + +…ESTIMATED_PROPERTY_COST_COMPONENT (#2) + +5.045 + +ProjectedPaymentEscrowedType + +NotEscrowed + +5.038 + +ProjectedPaymentEstimatedTaxesIn +suranceAssessmentComponentType + +HomeownersInsurance + +…ESTIMATED_PROPERTY_COST_COMPONENT (#3) + +5.045 + +ProjectedPaymentEscrowedType + +NotEscrowed + +5.038 + +ProjectedPaymentEstimatedTaxesIn +suranceAssessmentComponentType + +HomeownersAssociation +Dues + +Values provided in “Other” on the form +should NOT use the enumeration “Other” +unless the needed cost is not specified in +UCD v2.0. diff --git a/chunks/txt/65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13.txt b/chunks/txt/65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c061ad5715574d0af4998d0f1abaef5ad32756e --- /dev/null +++ b/chunks/txt/65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13.txt @@ -0,0 +1,104 @@ +Highest and Best Use Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Highest and Best Use Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Market” sets as TAB. + +Full page width + +• + +“Market Area Boundary” and “Search Criteria Description” set as TXC-B x 45 picas (bold lead +in to Myriad Pro Regular text). + +Search Result Metrics (H1) + +Left-hand side of page + +• + +• + +• + +“Active Listings” sets as TXR-B, TXR. + +“Median Days on Market,” “Lowest List Price,” “Median List Price,” “Highest List Price” set as +TXR-I, TXR. + +“Pending Sales” sets as TXR-B, TXR. + +Right-hand side of page + +• + +• + +• + +“Sales in Past [fill in] Months” sets as TXR-B, TXR. + +“Lowest Sale Price,” “Median Sale Price,” “Highest Sale Price” set as TXR-I, TXR. + +“Distressed Market Competition,” “Graph,” “Price Trend Source” sets as TXR-B, TXR. + +Full page width + +• + +“Price Trend Analysis Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro +Regular text). + +Housing Trends (H1) + +Left-hand side of page + +• + +“Demand/Supply” sets as TXR-B, TXR. + +Right-hand side of page + +• + +“Marketing Time” sets as TXR-B, TXR. + +Appendix E: Report Style Guide + +Page 54 of 90 + +Version 1.4 + +Market Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Market Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Project Information” sets as TAB. + +“Planned Unit Development (PUD),” “Condominium,” “Cooperative” “Condop” set as CK-TAB on TAB rule. + +Left-hand side of page + +• + +• + +• + +• + +• + +• + +• + +“Project Name,” “Project Information Data Source,” “Total Units” set as TXR-B, TXR. diff --git a/chunks/txt/65fc90b682a0b43adf1f6cf70bd817e904549c17751add37a14cec097f9dc333.txt b/chunks/txt/65fc90b682a0b43adf1f6cf70bd817e904549c17751add37a14cec097f9dc333.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0508d02682a38d08f0b917e61455bc103e622f1 --- /dev/null +++ b/chunks/txt/65fc90b682a0b43adf1f6cf70bd817e904549c17751add37a14cec097f9dc333.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/271","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\/foia-annual-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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No Escrow Account + +18.7 | 7.5 or +7.7 + +Escrow Waiver Fee +($) + +FeeActualTotalAmo +unt + +250.00 + +18.1 | 5.4 …  will not have + +…/LOAN_DETAIL + +EscrowIndicator + +false + +an escrow account… + +▪ Represented in +No Escrow table +as $250.00 +▪ Represented in + +Loan Costs table +as $150 +Borrower-Paid +and $100 Paid by +Others + +ROF as  will not +have an escrow +account + +18.1 + +… because  you +declined it  your +lender does not +offer one…. + +1. MAPPI NG GUI DANCE + +EscrowAbsenceReas +onType + +BorrowerDeclined + +ROF as  you +declined it + +18.7 The instance of FEE with FeeType = “EscrowWaiverFee” also has FeeActualTotalAmount to provide 18.7. +This total amount is used in case the Escrow Wavier Fee is broken out across multiple payors as it is +disclosed in the Other Costs Table For example, above. (It should be used even when the Escrow Wavier +Fee is paid by one person.) EscrowWaiverFee is provided only once in the XML file. + +A. FOR MORE I NFORMATI ON + +18.0 Reg §1026.38(l)(7) pp. 80127, 80359, 80030-6 + +18.1 Reg §1026.38(l)(7)(i)(A) and (B) pp. 80127, 80359, 80031-6 + +18.2 Reg §1026.38(l)(7)(i)(A) pp. 80127, 80031-6 diff --git a/chunks/txt/6606857fe44a9463076e6d7f1ef199d1056e3b2fecfd24b98e1f46467a2b5982.txt b/chunks/txt/6606857fe44a9463076e6d7f1ef199d1056e3b2fecfd24b98e1f46467a2b5982.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d4ad9549a668e57d89c7eafbc9a9dd5c2175040 --- /dev/null +++ b/chunks/txt/6606857fe44a9463076e6d7f1ef199d1056e3b2fecfd24b98e1f46467a2b5982.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - Data Governance Resources + +# Data Governance Resources + +Contact FHFA regarding [Data and Research](/contact/data-and-research) or with [general questions or feedback](/contact/general). + +## [FHFA Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan) diff --git a/chunks/txt/66068b6cfd131a6b71decf3ae20bbde8b5c574dc8f7338c97d324eb427e2811f.txt b/chunks/txt/66068b6cfd131a6b71decf3ae20bbde8b5c574dc8f7338c97d324eb427e2811f.txt new file mode 100644 index 0000000000000000000000000000000000000000..16e36058ca5bdfdd5a530827a41f9ddca9b795cb --- /dev/null +++ b/chunks/txt/66068b6cfd131a6b71decf3ae20bbde8b5c574dc8f7338c97d324eb427e2811f.txt @@ -0,0 +1,51 @@ +Typical Wear and Tear + +Overall Update Status for +Flooring + +Moderately Updated + +Apparent Defects, Damages, Deficiencies (Unit Interior - Primary Dwelling) + +None + +Unit Interior Commentary + +The 1st floor primary bedroom bath was gut renovated approximately 2 – 3 years ago with upgrades to the shower, addition of a large soaking +tub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The +kitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was +replaced throughout approximately 5 - 6 years ago with upgraded carpet on the first floor (including primary bedroom) and basement family +room. The 2nd floor carpeting was also replaced, however with standard grade carpet. The vinyl floors in the 2nd floor baths were replaced +with standard grade vinyl 6 years ago. + +Unit Interior Exhibits + +Level B1 - Bath - Full - Bath 1 + +Level 2 - Bath - Full - Bath 2 + +This is where the 1st Full Bath photo would display. + +This is where the 2nd Full Bath photo would display. + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 9 of 23 + +Unit Interior - Primary Dwelling (continued) + +Level 2 - Bath - Full - Bath 3 + +Level 1 - Bath - Half + +This is where the 3rd Full Bath photo would display. + +This is where the Half Bath photo would display. + +Level 1 - Dining Room + +Level 1 - Kitchen + +This is where the Dining Room photo would display. diff --git a/chunks/txt/6612fa3a4b2e65d60bdda7e41433c4b2d8d10f1e02fa0cf58a1920da83b388e5.txt b/chunks/txt/6612fa3a4b2e65d60bdda7e41433c4b2d8d10f1e02fa0cf58a1920da83b388e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..151f540f1c8653f1d74c4d1aabefd71a1560a2eb --- /dev/null +++ b/chunks/txt/6612fa3a4b2e65d60bdda7e41433c4b2d8d10f1e02fa0cf58a1920da83b388e5.txt @@ -0,0 +1,110 @@ +Completion Report Commentary + +Change in dimension of the door has no measurable impact on the utility of the barn or the subject property. + +Completion Report Exhibits + +Completed Construction - Constructed Barn + +Incomplete or Inconsistent Item - Exterior Barn Door + +This is where the Barn photo would display. + +This is where the Barn Door photo would display. + +Appraiser Reference ID AA12346 Client Reference ID D-124394 AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024 + +Completion Report + +Completion Report Exhibits (continued) + +Barn Floorplan + +Page 2 of 3 +Page 2 of 3 + +Assignment Information + +Borrower Name + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company + +Company Name + +Company Address + +Appraiser + +Name +Company Name +Company Address + +Bob Buyer +Betty Buyer + +Empty Bank +200 Tree St +Somewhere, VA 12346 + +IDK Appraisal Management +Company +300 Main Ave +Somewhere, VA 12345 + +Agatha Appraiser +WAS Appraisal +123 Main St +Nowhere, VA 12345 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +11/30/2019 + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +XYZ352032 +VA +12/31/2021 + +Certified Residential +XYZ12345 +VA +12/31/2019 + +Appraiser Reference ID AA12346 Client Reference ID D-124394 AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024 + +Completion Report + +Intended Use + +Page 3 of 3 +Page 3 of 3 + +The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the +appraisal report referenced above have been met. diff --git a/chunks/txt/661d63df694c55d09a22470eabc76b42fab4ec9095ccba41d8013a9773835925.txt b/chunks/txt/661d63df694c55d09a22470eabc76b42fab4ec9095ccba41d8013a9773835925.txt new file mode 100644 index 0000000000000000000000000000000000000000..74f9d06ef82bb5ce6ee3d5f971ef24b99b60726e --- /dev/null +++ b/chunks/txt/661d63df694c55d09a22470eabc76b42fab4ec9095ccba41d8013a9773835925.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13741","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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[Investment Analyst jobs](https://www.linkedin.com/jobs/investment-analyst-jobs?trk=organization_guest_linkster_link) diff --git a/chunks/txt/662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645.txt b/chunks/txt/662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8fee8a94598a00cc145d1317f6ab6960c436cab --- /dev/null +++ b/chunks/txt/662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645.txt @@ -0,0 +1,76 @@ +Definition / Additional Guidance + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +• +• +• +• +• +• + +• +• +• +• +• +• + +Site 4.103 +Dwelling Exterior 8.059 +Outbuilding 12.023 +Unit Interior 10.059 +Vehicle Storage 13.008 +Subject Property Amenities 14.009 + +Site 4.104 +Dwelling Exterior 8.060 +Outbuilding 12.024 +Unit Interior 10.060 +Vehicle Storage 13.009 +Subject Property Amenities 14.010 + +Indicates whether the defect, damage, or deficiency affects the soundness +and / or structural integrity of the improvement, as previously entered in +the original section. + +The recommended action for the defect, damage, or deficiency, as +previously entered in the original section: +• +• +• +• + +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or +inspection – Does not display in the Summary section) + +Cost to Repair Reporting Options + +• + +Notes: +• + +If Completion, Inspection, or Repair is reported for any defect, +damage, or deficiency, the report must be made subject to the +resolution of the item (Market Value Condition 1.009 cannot be As +Is). +If Repair is selected, the estimated cost to repair may be provided. + +When included, the estimated cost to repair only displays in the Summary and Reconciliation sections. +Reference the Reconciliation chapter in this document for details and examples. +• Cost to Repair is not provided, or +• Cost to Repair is itemized (1.038-1.080) with a total at the bottom of the table (1.081), or +• Cost to Repair is provided as a total only (1.083). + +As Is Overall Condition Rating + +Summary: As Is Overall Condition Rating diff --git a/chunks/txt/662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a.txt b/chunks/txt/662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a.txt new file mode 100644 index 0000000000000000000000000000000000000000..06d520551e078d556941f0b913e03a89dc0eeab1 --- /dev/null +++ b/chunks/txt/662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a.txt @@ -0,0 +1,27 @@ +HDR-L + +TXC + +2 COLUMN PAGE FORMAT + +HDR-R + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +H1 + +Scope of Work + +TXC + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b.txt b/chunks/txt/6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b.txt new file mode 100644 index 0000000000000000000000000000000000000000..caee10cf2e1d509c9da8e323dc736bd9eb256d36 --- /dev/null +++ b/chunks/txt/6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b.txt @@ -0,0 +1,112 @@ +ProjectedPaymentE +stimatedTaxesInsur +anceAssessmentCo +mponentType +ProjectedPaymentE +scrowedType + +PropertyTaxes + +ROF as “ Property +Taxes” + +Escrowed + +Represented as +“YES” on form + +Second instance of ESTIMATED_PROPERTY_COST_COMPONENT + +5.6.4i. + +This estimate +includes:  +Homeowner’s +Insurance + +…/ESTIMATED_PRO +PERTY_COST_COM +PONENT + +ProjectedPaymentE +stimatedTaxesInsur +anceAssessmentCo +mponentType + +HomeownersInsura +nce + +ROF as “ +Homeowners +Insurance” + +Appendix E: UCD Implementation Guide + +Page 99 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +Table 85. Property Taxes and Homeowner’s Insurance-One Cost Item Each + +ID + +Form Field Name + +5.6.4 + +In escrow? + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point +ProjectedPaymentE +scrowedType + +MISMO v3.3.0 +Value +NotEscrowed + +Notes + +Represented as +“NO” on form + +b. ONE ADDITIONAL PROPERTY COST I TEM + +Along with Property Taxes and Homeowners Insurance an additional property component may exist for a loan +(Figure 69). Implementers check the Other box and identify the component. “YES” or “NO” is provided in the +In Escrow? column depending on how this cost component will be paid. + +5.0 Projected Payments + +5.6 Estimated Taxes, Insurance +& Assessments +Amount can increase over time +See page 4 for details + +5.6.1 $356 +5.6.2 a month + +This estimate includes +5.6.3  Property Taxes +5.6.4  Homeowners Insurance +5.6.5  Other: Homeowner’s Association Dues + +In escrow? +YES +NO +NO + +See Escrow Account on page 4 for details. You must pay for other +property costs separately. + +Figure 69. ETI&A–One “Other” Property Cost Item + +The following table illustrates the third ESTIMATED_PROPERTY_COST_COMPONENT that would be added to +the first and second components shown above in Table 85. diff --git a/chunks/txt/66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17.txt b/chunks/txt/66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17.txt new file mode 100644 index 0000000000000000000000000000000000000000..5854d5de26d5bf0321e6d79d32840df189fecbfe --- /dev/null +++ b/chunks/txt/66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17.txt @@ -0,0 +1,149 @@ +FullBathroom + +FiveToTenYears + +FullyUpdated + +\\Images\SF4_ADU_Kitchen.png + +image/png + +BelowGradeOne + +No damage or condition issues noted. + +TypicalWearAndTear + +Standard builder grade cabinets, materials, and appliances + +Kitchen + +FiveToTenYears + +FullyUpdated + +BelowGradeOne + +LivingRoom + +Colonial + +SiteBuilt + +Aluminum + +No damage or condition issues noted. + +TypicalWearAndTear + +Quality meets market expectations for this type of dwelling. + +ExteriorWallsAndTrim + +PouredConcrete + +Basement + +Foundation appears sound with typical hairline settlement cracks. + +TypicalWearAndTear + +Foundation + +TenToTwentyYears + +true + +Composition + +No apparent signs of damage or leaks. + +TypicalWearAndTear + +25 year rated shingles + +Roof + +NewOrLikeNew + +Brand Y Windows + +Windows + +Thermal Double Hung and some Casement Windows + +C3 + +Q4 + +OneToTwoFeet + +2 + +The exterior was recently painted, and new windows, shutters, and doors were installed. + +Centralized + +Electric + +ForcedWarmAir + +true + +PropertyPhoto + +\\Images\SF4_DwellingFront.png + +image/png + +PropertyAccess + +\\Images\SF4_PropertyAccess.png + +image/png + +DwellingFront + +\\Images\SF4_DwellingFront.png + +image/png + +SubjectPropertyImprovementSketch + +\\Images\SF4_Sketch.png + +image/png + +SalesComparableMap + +\\Images\SF4_SalesCompMap.png + +image/png + +AbsorptionRateGraph + +\\Images\SF4_AbsorptionRate.png + +image/png + +MedianDaysOnMarketGraph + +\\Images\SF4_MedianDaysonMarket.png + +image/png + +PriceTrendGraph + +\\Images\SF4_PriceTrend.png + +image/png + +EnergyEfficientAndGreenFeaturesExhibit + +\\Images\SF4_SolarPanels.png + +image/png + +EnergyEfficientAndGreenFeaturesExhibit + +\\Images\SF4_RESNET.png diff --git a/chunks/txt/664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d.txt b/chunks/txt/664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d.txt new file mode 100644 index 0000000000000000000000000000000000000000..50cf9a566012e5374ae0750f65827c7b66391edd --- /dev/null +++ b/chunks/txt/664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d.txt @@ -0,0 +1,20 @@ +8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax +assessment records, public land records, and other such data sources for the area in which the property is located. + +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was transmitted. + +12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for +sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and +the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. + +13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the +comparable sales for a minimum of one year prior to the date of sale of the comparable sale. diff --git a/chunks/txt/664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482.txt b/chunks/txt/664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482.txt new file mode 100644 index 0000000000000000000000000000000000000000..310489e3ea1f8076408ed0e94f1cb6c0f6089d4d --- /dev/null +++ b/chunks/txt/664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482.txt @@ -0,0 +1,227 @@ +Rent Schedule + +Subject Property Rental Information + +Currently +Rented +Yes + +Occupancy +Tenant + +Monthly +Rent +$2,500 + +Month-to- +Month +No + +Yes + +Yes + +Yes + +Tenant + +Tenant + +Tenant + +$2,550 + +$2,500 + +$2,600 + +No + +No + +No + +Lease Start +06/01/2022 + +09/12/2022 + +07/10/2022 + +12/15/2022 + +Rent +Control +No + +Rent +Concessions +No + +No + +No + +No + +No + +No + +No + +A + +B + +C + +D + +Utilities/ +Services +Included +No + +No + +No + +No + +Furnished +No + +No + +No + +No + +Actual Income (Monthly) + +Opinion of Market Income (Monthly) + +Rent +A + +B + +C + +D + +$2,500 + +$2,550 + +$2,500 + +$2,600 + +Rent +A + +B + +C + +D + +$2,600 + +$2,600 + +$2,600 + +$2,600 + +Subtotal + +$10,150 + +Subtotal + +$10,400 + +Other Real Property Rental Income + +Other Real Property Rental Income + +None + +Subtotal + +$0 + +$0 + +Total + +$10,150 + +None + +Subtotal + +$0 + +$0 + +Total + +$10,400 + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 20 of 26 +Page 20 of 26 + +Rental Information (continued) + +Comparable Rental Properties + +This is where the +Dwelling Front photo +would display. + +This is where the photo +of 181 Cattledrive +St would display. + +This is where the photo +of 181 Cattledrive +St would display. + +This is where the photo +of 123 Something +Pl would display. + +This is where the photo +of 123 Something +Pl would display. + +This is where the +photo of 341 Nothing +Dr would display. + +Subject Property +171 Cowboy Ln +Anyplace, TX 01234 + +Comparable #1 +181 Cattledrive St +Unit B +Anyplace, TX 01234 + +Comparable #2 +181 Cattledrive St +Unit C +Anyplace, TX 01234 + +Comparable #3 +123 Something Pl +Unit 1 +Anyplace, TX 01234 diff --git a/chunks/txt/667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8.txt b/chunks/txt/667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2838abafbc6c668c1c52964546b66bb38204ebff --- /dev/null +++ b/chunks/txt/667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8.txt @@ -0,0 +1,109 @@ +SUBJECT + +Assignment Type +Other + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType='Other'] + +9 + +9 + +9 + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +SUBJECT + +Assignment Type +Other (describe) + +SUBJECT + +Lender/Client + +SUBJECT + +Lender/Client +Address + +Appraisal Purpose +Type Other +Description +Lender Unparsed +Name + +Appraisal Forms +Lender Unparsed +Address + +A free form text field used to collect +additional information when Other is +selected for Appraisal Purpose Type. +The name of the party or entity designated +as the lender for the loan. +The unparsed address of the lender. +Generally includes the street address, +suite number, city, state and zip code. +FORM SPECIFIC FIELD + +/VALUATION_RESPONSE/REPORT/@AppraisalPurposeTypeOtherDescription + +4000 + +/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName + +/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd +dress + +SUBJECT + +40 + +SUBJECT + +Is the subject property currently offered +for sale or has it been offered for sale in +the twelve months prior to the effective +date of the appraisal? +Yes + +Is the subject property currently offered +for sale or has it been offered for sale in +the twelve months prior to the effective +date of the appraisal? +No + +Listed Within +Previous Year +Indicator + +Listed Within +Previous Year +Indicator + +e-2 + +SUBJECT + +Report data source(s) used, offering +price(s), and date(s). + +GSE Days On +Market Description diff --git a/chunks/txt/6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092.txt b/chunks/txt/6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092.txt new file mode 100644 index 0000000000000000000000000000000000000000..8264f2ba3f936a6cefbea8a03e4dcc0b6ccfe7ca --- /dev/null +++ b/chunks/txt/6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092.txt @@ -0,0 +1,35 @@ +Overview + +The primary purpose of the Implementation Guide (iGuide) is to provide designers of the new Completion Report with an understanding of the MISMO +version 3.6 Reference Model (MISMO v3.6) and how the data will be displayed in a dynamic PDF document. + +This document serves as a guide to assist with data mapping, field formats, and the PDF representation of the report. It is not a comprehensive developer’s +guide. + +In some sections, a table is used to define the fields in that section. + +• Report Field ID (FID): Red numbers super-imposed on the sample Completion Report. + +Page 7 + +• Report Label: Name of the field as shown on the Completion Report. +• Unique ID (UID): This column lists the unique number assigned to each instance of a MISMO data point. +• MISMO Data Point Name: This column lists the MISMO data point for the associated data element. +• Display Rules: Documents display rules associated with a given data element. + +The following typefaces and colors are used throughout this document: + +• Completion Report Section and Subsection Names, are represented in bold, (e.g., Subject Property, Original Appraisal, Completion Report + +Commentary) + +• Report field labels are represented in italics, (e.g., Borrower Name, Physical Address) + +• On Completion Report excerpts and when form fields are referenced, a red superimposed number identifies a Report Field ID, (e.g., FID: 01.001) + +Page 8 + +Report PDF + +The Completion Report is a dynamic data-driven, flexible report with sections (black tabs) that vary based on information contained in the report. See +Appendix E - Report Style Guide, which includes specifications for the overall design elements that apply to all pages of the Completion Report. diff --git a/chunks/txt/6682c2c7506e70e6e405ec30374ae6b5ef54783266c9856fc08966397e3d2eec.txt b/chunks/txt/6682c2c7506e70e6e405ec30374ae6b5ef54783266c9856fc08966397e3d2eec.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c3c2e57bf4d8196dee540b8e039746ac7d09d67 --- /dev/null +++ b/chunks/txt/6682c2c7506e70e6e405ec30374ae6b5ef54783266c9856fc08966397e3d2eec.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/news/fact-sheet" +date_accessed: "2026-01-27T17:54:20.258Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160.txt b/chunks/txt/6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160.txt new file mode 100644 index 0000000000000000000000000000000000000000..38c5d0108a3f2534164af299439b2928426d912c --- /dev/null +++ b/chunks/txt/6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160.txt @@ -0,0 +1,90 @@ +Yes No +  +  +  +  +  +  +  + +  + +Legal Description + +Lot: 1206. Block: 00012 + +Subject Property Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Site + +Zoning + +Compliance +Classification Code +Classification Code Description + +Legal +MU-2 +Residential - Cooperative - +Vertical + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Collector Street | Asphalt +Yes + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 3 of 18 +Page 3 of 18 + +Site (continued) + +Site Influence + +Influence +Apparent Environmental +Condition + +Proximity +Offsite | 1 Mile + +Detail +Hazardous Substances + +Impact +Neutral + +Body of Water + +Offsite + +River + +Beneficial + +Comment +Rainwater runoff can +carry pesticides, plastics, +wastewater, and agricultural +runoff that is released into +the Potomac. + +The Potomac River is +approximately 1 mile from +the subject’s location. + +Site Influence Commentary The site is located approximately one mile from the Potomac River. This location provides beneficial water views +for units located above the third floor, on the side of the buildings facing the river. Units on the opposite side of the building do not have water +views. In regards to the environmental condition, pollutants have been identified and can contain Endocrine Disruptors (EDCs) that are not +completely removed in treatment plants. During periods shortly after heavy rainstorms, the residents in the area are advised not to swim in +the Potomac River due to these hazards. Even so, there is no measurable adverse impact on marketability or values concerning the subject. +The demand for housing in the subject’s market has remained consistent over the years. diff --git a/chunks/txt/668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f.txt b/chunks/txt/668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f.txt new file mode 100644 index 0000000000000000000000000000000000000000..788918ef2427251232d6815e5a50d61c08559963 --- /dev/null +++ b/chunks/txt/668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f.txt @@ -0,0 +1,30 @@ +I. CASH TO CLOSE TABLE DATA + +1. + +INTRODUCTION + +The MISMO standard was created and continues to be updated and expanded in support of mortgage industry forms and +datasets. The vast majority of the data created to support these business cases can be used across the loan life cycle and +support commonly understood industry practice and usage. These data points are referred to in the UCD I-Guide as “general +use” data, or as being located in “the body of the Reference Model”. + +In MISMO, data points and definitions also can be created to support a specific form. The definitions are based on form +or dataset context and usage, and generally are not used outside of the processes they support. Examples include data points +representing the results of specific form calculations and data defined differently from normal industry practice. A specific +example from the CD is the “Product” field. First, the valid values for “Product” are explicitly defined by TRID. Second, if the +loan is delivered into a specific business context, say the secondary mortgage market, the product data from the CD form +may not conform to an investor’s product definitions. To accommodate these “document specific” data, a special structure +exists within the MISMO Reference Model. Document specific containers and data points in UCD v2.0 reside under +DOCUMENT_SPECIFIC_DATA_SET in the INTEGRATED_DISCLOSURE container shaded in blue. Integrated Disclosure +documents are the Loan Estimate (LE) and the CD. + +Figure 43. CD-Specific Data in MISMO v3.3.0. + +UCD v2.0 Implementation Guide + +- 59 - + +Version 1.0 + +Uniform Closing Dataset diff --git a/chunks/txt/66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556.txt b/chunks/txt/66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd2a445884e26806b3552347d3356560c93b273a --- /dev/null +++ b/chunks/txt/66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556.txt @@ -0,0 +1,57 @@ +If a street exists, at least one of fields 1- +115, 1-116 (values of Property Off Site +Improvement Ownership Type) should +be indicated. + +If a street exists, at least one of fields 1- +115, 1-116 (values of Property Off Site +Improvement Ownership Type) should +be indicated. + +/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty +pe='Alley']/@_Description + +25 + +String + +UAD Instruction - Refer to Appendix D Site Section +This field should indicate the alley type. The value 'None' should be indicated if none +is present. + +If utilities are present, at least one of +fields 1-105, 1-106 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-107 +(Site Utility Non Public Description). + +If utilities are present, at least one of +fields 1-105, 1-106 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-107 +(Site Utility Non Public Description). + +If field 1-106 (Site Utility Non Public +Indicator) is indicated, this field is +required. If no utilities are present +'None' must be populated. + +If utilities are present, at least one of +fields 1-108, 1-109 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-110 +(Site Utility Non Public Description). + +If utilities are present, at least one of +fields 1-108, 1-109 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-110 +(Site Utility Non Public Description). diff --git a/chunks/txt/668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f.txt b/chunks/txt/668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f.txt new file mode 100644 index 0000000000000000000000000000000000000000..95e8336869cc8953fbb6a83c0560d655e895df7f --- /dev/null +++ b/chunks/txt/668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f.txt @@ -0,0 +1,94 @@ +*Other: If the financing type is not on this list, +the appraiser must enter a description of the +financing type. The text must fit in the +allowable space. + +Note: Below-market financing can have an +impact on market values and therefore is of +particular importance. A variety of government +programs, such as state and local bond +programs, provide below-market financing. +The appraiser must indicate if sales +transactions with below-market financing are +used for comparable sales. + +Reporting Format: +Line 1: Sale Type – Appraiser must select +one value from the specified list +Line 2: Financing Type – Appraiser must +select one value from the specified list +Description of ‘Other Financing Type’ (if +applicable) – Tex +Concession Amount – Numeric, whole +numbers only +The PDF creator will automatically insert a +semicolon to separate the data values. +Example: +Line 1: ArmLth +Line 2: FHA;5000 + +Page 37 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Date of Sale/Time +For each comparable property, the appraiser +must first identify the status type from the list +of options below. + +Active + +Contract + +Expired + +Withdrawn + +Settledsale + +If the comparable property is an active listing, +the appraiser must specify ‘Active’. +If the comparable property is under contract, +or an expired or withdrawn listing, the +appraiser must first indicate the date status +type using the abbreviations below followed +by the corresponding contract, expiration, or +withdrawal date in mm/yy format. Use ‘c’ for +contract, ‘w’ for withdrawn listings, and ‘e’ for +expired listings. +If the comparable property is a settled sale +and the contract date is known, the appraiser +must first indicate the date status type ‘s’ +followed by the settlement date (mm/yy), and +then the date status type ‘c’ followed by the +contract date (mm/yy). For settled sales for +which the contract date is unavailable to the +appraiser in the normal course of business, +the appraiser must enter the abbreviation +‘Unk’, for unknown, in place of the contract +date. diff --git a/chunks/txt/66a57fcda70f821b0b5677ddd27c215678fe2ba9d664a12f84f13940a2443b99.txt b/chunks/txt/66a57fcda70f821b0b5677ddd27c215678fe2ba9d664a12f84f13940a2443b99.txt new file mode 100644 index 0000000000000000000000000000000000000000..ecd0f6910c25f325a69b531f9d0390af33b5fa90 --- /dev/null +++ b/chunks/txt/66a57fcda70f821b0b5677ddd27c215678fe2ba9d664a12f84f13940a2443b99.txt @@ -0,0 +1,311 @@ +Comp1 Primary + +0 + +AccessoryDwellingUnitLocation + +Comp1 ADU + +0 + +LivingUnitBedroomCount + +Comp1 ADU + +-1840 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp1 ADU + +-50000 + +OverallConditionRating + +5000 + +OutdoorLivingAmenity + +20000 + +WaterFeaturesAmenity + +10000 + +VehicleStorage + +-20000 + +Outbuilding + +783100 + +221 + +North + +Most + +false + +1 + +3.9 + +-41900 + +false + +false + +Dwelling + +1980 + +Carpet,Vinyl + +Flooring + +FullyUpdated + +8 Ft. Ceilings + +WallsAndCeiling + +395 + +3228 + +1581 + +false + +5 + +3 + +1 + +C3 + +Q3 + +Mid-High Quality Finishes + +NotUpdated + +Comp1 Primary + +Mid Grade Quality + +Kitchen + +FullyUpdated + +500 + +0 + +true + +1 + +1 + +0 + +C4 + +Q4 + +Comp1 ADU + +Colonial + +Vinyl + +ExteriorWallsAndTrim + +Metal + +Roof + +C3 + +Q4 + +2 + +ForcedWarmAir + +false + +Outbuilding + +true + +Stable + +Electricity + +0 + +864 + +PropertyPhoto + +\\Images\SF3_Comp1.png + +image/png + +7 + +855000 + +SettledSale + +58.712134 + +-87.784969 + +Deck + +Patio + +Porch + +OutdoorLiving + +1 + +Detached + +1 + +true + +1 + +C3 + +Q4 + +true + +true + +FeeSimple + +false + +false + +false + +2019-06-01 + +2019-08-01 + +825000 + +Sale + +2015-02-23 + +677250 + +Sale + +TypicallyMotivated + +None + +Asphalt + +Local + +false + +15.15 + +Full + +Pastoral + +38243 Place Rd + +Out There + +56789 + +VA + +Driveway + +Asphalt + +6 + +false + +Detached + +Garage + +2 + +0 + +ContractDate + +0 + +SaleDate + +0 + +SiteSize + +0 + +YearBuilt + +0 + +EnergyEfficientAndGreenFeatures + +-20640 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp2 Primary + +13760 + +LivingUnitStandardFinishedAreaBelowGrade + +Comp2 Primary + +6700 + +LivingUnitUnfinishedAreaBelowGrade + +Comp2 Primary + +0 + +AccessoryDwellingUnitLocation + +Comp2 ADU + +0 + +LivingUnitBedroomCount + +Comp2 ADU + +18560 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp2 ADU diff --git a/chunks/txt/66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68.txt b/chunks/txt/66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68.txt new file mode 100644 index 0000000000000000000000000000000000000000..4a4d43c714b89df5928ba8c40bf8dc599a6bef06 --- /dev/null +++ b/chunks/txt/66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68.txt @@ -0,0 +1,120 @@ +1512.11 Utilities 1/1/14 to 4/14/14 +16 + +12.0.1 + +12.1.1 + +12.2.1 + +12.3.1 + +12.4.1 + +12.5.1 + +12.6.1 + +12.7.1 + +12.8.1 + +12.9.1 + +12.10.1 + +12.11.1 + +$227,015.00 + +$10,000.00 + +$211,000.00 + +$2,000.00 + +$2,500.00 + +$750.00 + +$300.00 + +$365.00 + +$100.00 + +Figure 97. SOT Borrower’s Side – Paid Already by or on Behalf of Borrower at Closing + +The data points used to provide the Section L heading (12.0) and subtotal (12.0.1) are shown in the table below. + +Table 113. Paid Already by or on Behalf of Borrower at Closing + +ID + +Form Field Name MISMO v3.3.0 Context + +MISMO v3.3.0 +Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +12.0.1 + +12.0 + +L. Paid Already by +or on Behalf of +Borrower at +Closing ($) + +L. Paid Already by +or on Behalf of +Borrower at +Closing + +…/INTEGRATED_DISCLOSURE +_SECTION_SUMMARY_DETAI +L + +IntegratedDisclos +ureSectionTotalA +mount + +227,015.00 + +ROF as +“$227,015.00” + +IntegratedDisclos +ureSectionType + +PaidAlreadyByOrO +nBehalfOfBorrowe +rAtClosing + +ROF as “L. Paid +Already by or on +Behalf of Borrower +at Closing” + +Appendix E: UCD Implementation Guide + +Page 172 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12. 1 DEPOSI T + +The total of any deposit amount that is paid to the seller, or held in trust or escrow by an attorney or other party +under the terms of the sales contract, is presented on the form as illustrated in the following figure. If the +borrower’s deposit has been applied toward a charge for a closing cost, the amount applied should not be +included here, but instead should be shown on the appropriate line for the closing cost in either the Loan Costs +or Other Costs tables, designated as Borrower-Paid Before Closing. diff --git a/chunks/txt/66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467.txt b/chunks/txt/66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467.txt new file mode 100644 index 0000000000000000000000000000000000000000..939dd523c0950bea944ffd02ede4135a9a4d70a2 --- /dev/null +++ b/chunks/txt/66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467.txt @@ -0,0 +1,86 @@ +8.6.2 + +$109.00 8.6.3 + +8.6.4 + +8.6.5 + +8.6.6 + +Co. + +038.7 Prepaid Interest 8.7.1 ($17.44 per day from 4/15/14 + +8.7.2 + +$279.04 8.7.3 + +8.7.4 + +8.7.5 + +8.7.6 + +to 4/30/14) + +048.8 Property Taxes 8.8.1 (6 mo.) to Any County USA + +058.9 8.9.1 + +8.8.2 + +8.9.2 + +8.8.3 + +8.9.3 + +8.8.4 + +8.9.4 + +8.8.5 + +$631.80 8.8.6 + +8.9.5 + +8.9.6 + +Figure 83. Prepaids Line Items + +All Prepaids line items are disclosed according to the following pattern (as illustrated in Figure 83) except for +Prepaid Interest. + +1. + +Identify the prepaid item (8.5 – 8.9). For non-Regulation specified item names, implementers must use +clear and conspicuous terminology describing the service or function paid for. + +2. Except for Property Taxes, RegulationZPointsAndFeesIndicator must be included for every charge in + +support of ATR/QM. + +3. + +Identify the number of months covered by the prepayment and the payee company name. + +4. Determine if the payment was broken out across multiple payors or was paid at different times relative to + +closing. + +a. + +a. + +If paid by one payor at one time, disclose the full amount of the charge in the appropriate column. If the +payment was broken out, disclose all payors, their portion of the charge, and at what time they paid it +relative to closing. + +If the charge was paid by a third party, no timing information is needed. If the third-party payor is the +lender, precede the amount paid by the indicator “(L).” + +Appendix E: UCD Implementation Guide + +Page 130 of 254 diff --git a/chunks/txt/66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2.txt b/chunks/txt/66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f8a47a4ea39c3b310161546f38bd4af66f3b672 --- /dev/null +++ b/chunks/txt/66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2.txt @@ -0,0 +1,9 @@ +UCD v2.0 Implementation Guide + +iv + +Version 1.0 + +Uniform Closing Dataset + +Contents diff --git a/chunks/txt/66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5.txt b/chunks/txt/66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a16729fd31daa1eff76bcd496106d9fac565064 --- /dev/null +++ b/chunks/txt/66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5.txt @@ -0,0 +1,39 @@ +UCD v2.0 Initiative Readiness Checklist for Lenders +Lenders who rely on vendor-provided software to prepare and deliver Uniform Closing Dataset (UCD) XML +files to the GSEs are responsible for ensuring submitted data meets GSE requirements. + +The purpose of this checklist is to provide a suggested process for working with your directly +integrated vendor(s) (Software Partners and Technology Service Providers (TSPs)) to meet the mandates +for UCD v2.0 Specification (UCD v2.0) and the specification version, Phase 3B Postponed and Phase 4 +Crtical Edits. + +Before the UCD v2.0 Release is Available from Your Vendor + +Review Fee Mapping + + Familiarize your teams with the 73 new ucd:FeeItemType enumerations listed in Tab 9 of the + +UCD v2.0 Specification: + +• Use the new Key Word Search in Column B to identify enumerations that are similar to + +the terms you use today and may more accurately describe the fee charged. +• Use the Column E - Enumeration Definition and Column F - ucd:FeeItemType + +Implementation Notes columns to help map enumerations to your internal system terms. + +• Filter on “Delete” under Column G - Status to note the v1.5 enumerations that are no + +longer valid in UCD v2.0. If deleted enumerations are included in the XML file, the file will +fail in both test and production. + + Train staff and update documentation to use the new fee enumerations instead of using + +ucd:FeeItemType = “Other” and ucd:FeeItemTypeOtherDescription. + +Review the UCD v2.0 Critical Edits Matrix + + Become familiar with the new UCD Critical Edits Phase 3B Postponed and Phase 4 + +requirements to gain an understanding of the data that will return a critical edit if missing or sent +incorrectly. diff --git a/chunks/txt/66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159.txt b/chunks/txt/66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159.txt new file mode 100644 index 0000000000000000000000000000000000000000..7f4e07c95f31e597aa7ab10ede57a216da3778a8 --- /dev/null +++ b/chunks/txt/66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159.txt @@ -0,0 +1,160 @@ +Transfer Taxes + +ROF as “Transfer +Taxes” + +IntegratedDisclosure +SectionType + +TaxesAndOtherGover +nmentFees + +FullName + +State of Maryland + +Jurisdiction payee + +Appendix E: UCD Implementation Guide + +Page 128 of 254 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +Figure 82. Taxes and Other Government Fees + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +8.3.4 Transfer Taxes Seller- + +Paid At Closing ($) + +…/FEE/FEE_PAYMEN +TS/FEE_PAYMENT + +FeeActualPaymentA +mount + +950.00 + +ROF as “$950.00” + +8.3.4 Seller-Paid + +8.3.4 At Closing + +FeePaymentPaidByTy +pe + +Seller + +FeePaymentPaidOuts +ideOfClosingIndicator + +false + +Fifth Instance of FEE + +ROF as “Seller-Paid” + +ROF as “At Closing” +on form + +Transfer Taxes + +…/FEE/FEE_DETAIL + +FeeType + +TransferTaxTotal + +8.3 + +8.3 + +Transfer Taxes + +8.3 N/A + +8.3.1 Transfer Taxes to + +Montgomery County + +…/FEE/FEE_PAID_TO +/LEGAL_ENTITY/LEGA +L_ENTITY_DETAIL + +@gse:DisplayLabelTe +xt + +Transfer Taxes + +ROF as “Transfer +Taxes” + +IntegratedDisclosure +SectionType + +TaxesAndOtherGover +nmentFees + +FullName + +Montgomery County Jurisdiction Payee + +8.3.2 Transfer Taxes + +Borrower-Paid At +Closing ($) + +8.3.2 Borrower-Paid + +8.3.2 At Closing + +1. MAPPI NG GUI DANCE + +…/FEE/FEE_PAYMEN +TS/FEE_PAYMENT + +FeeActualPaymentA +mount + +900.00 + +ROF as “$900.00” + +FeePaymentPaidByTy +pe + +Buyer + +FeePaymentPaidOuts +ideOfClosingIndicator + +false + +ROF as “Borrower- +Paid” on form + +ROF as “At Closing” +on form + +Taxes and Other Government Fees line items are represented using data points within the FEE container +structure. FEE repeats for each fee disclosed on the form (see REPEATABLE CONTAINER S in Section V). The child +container FEE_DETAIL groups the data points identifying the fee, and the child container FEE_PAYMENT then +breaks out the fee payments by the amount, payor and timing relative to closing. diff --git a/chunks/txt/66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13.txt b/chunks/txt/66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13.txt new file mode 100644 index 0000000000000000000000000000000000000000..5fe4caad24921365e400f9fe878e07266d2b885d --- /dev/null +++ b/chunks/txt/66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13.txt @@ -0,0 +1,20 @@ +- ## Avoiding Foreclosure + +Image + +![Ethnic couple and broker](/sites/default/files/styles/landscape_medium_408_x_228_/public/images-import/image-ethnic-couple-and-broker.jpg?h=7bc5cf4e&itok=5HTp6UPF) + +#### Tips on Avoiding Foreclosure + +- [CFPB: How to Avoid Foreclosure](/mortgage-translations/document/cfpb-how-to-avoid-foreclosure) +- [Mortgage Assistance Application](/mortgage-translations/document/mortgage-assistance-application) +- Save Your Home: Tips to Avoid Foreclosure (FHA) +- [Federal Housing Administration (FHA): Important Disaster Recovery Information](/mortgage-translations/document/federal-housing-administration-fha-important-disaster-recovery-information) + +#### Avoid Scams + +- [CFPB: Don't get scammed: How to Spot and Avoid Mortgage Assistance and Foreclosure Relief Scams](/mortgage-translations/document/cfpb-dont-get-scammed-how-to-spot-and-avoid-mortgage-assistance-and-foreclosure-relief-scams) + +*​**LEGAL DISCLAIMER*** + +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse.* diff --git a/chunks/txt/66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde.txt b/chunks/txt/66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde.txt new file mode 100644 index 0000000000000000000000000000000000000000..19f64a20310fe76e472e79a780f0eb9cf459442b --- /dev/null +++ b/chunks/txt/66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde.txt @@ -0,0 +1,46 @@ +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +UAD 3.6 SSR PDF +The UAD 3.6 SSR PDF is organized into three sections: + +• Loan Metadata displays the overall loan-level documentation and provides a consolidated view of all appraisal report + +file submission results under a single Document File ID. + +• Document Level Results displays the results of the appraisal report file submission, identified by a Document ID. + +• Submission Findings Results are tied to the Document Level Results of each appraisal report file submission and + +present the messages specific to that submission (at the Document ID level). + +Loan Metadata +Document File ID + +Document Level Results +Document ID + +Submission +Findings Results + +Note: Sample Fannie Mae SSR PDF shown. + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +SSR PDF Dynamic Structure + +Each SSR PDF can include up to three URARs labeled as Appraisal 1, 2, or 3, and up to two additional reports associated +with each URAR, such as the Restricted Appraisal Update Report and the Completion Report. + +• For each URAR sequence: + +o Appraisal 1 is required and cannot be deleted once submitted. Revisions can be made via resubmissions + +to UCDP. + +o Appraisal 2 is optional, can be revised, and can be deleted if not required. diff --git a/chunks/txt/66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901.txt b/chunks/txt/66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901.txt new file mode 100644 index 0000000000000000000000000000000000000000..46bf861235f416e3fe22862ad304931df5983fcc --- /dev/null +++ b/chunks/txt/66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901.txt @@ -0,0 +1,32 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 22 of 22 +Page 22 of 22 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6.txt b/chunks/txt/6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..b53573670a723f9238bb79dfcb82a27778847342 --- /dev/null +++ b/chunks/txt/6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6.txt @@ -0,0 +1,115 @@ +A free-form text describing the offering +prices, dates, and data sources of the +previous twelve (12) months of listing. + +/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY/@ListedWithinP +reviousYearDescription + +4000 + +String + +44 + +45 + +1 + +1 + +42 + +CONTRACT + +I did analyze the contract for +sale for the subject purchase +transaction. + +Sales Contract +Reviewed Indicator + +Indicates that the sales contract has been +reviewed. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn +dicator=‘Y’] + +43 + +CONTRACT + +I did not analyze the contract for +sale for the subject purchase +transaction. + +Sales Contract +Reviewed Indicator + +Indicates that the sales contract has been +reviewed. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn +dicator=‘N’] + +1 + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +46 + +1 + +e-3 + +CONTRACT + +Explain the results of the +analysis of the contract for sale +or why the analysis was not +performed. + +GSE Sale Type + +The type of sale associated with the +subject or comparable property +transaction. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_CONT +RACT_EXTENSION/SALES_CONTRACT_EXTENSION_SECTION[@Extensi +onSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/SALES_CONTRACT_EXTENSION_SECTION_DATA/SALES_T +RANSACTION/@GSESaleType + +17 + +Enumerated + +47 + +1 + +44 + +CONTRACT + +Explain the results of the +analysis of the contract for sale +or why the analysis was not +performed. + +Sales Contract +Review Comment + +A free-form text field describing the sales +contract. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_ReviewCom +ment diff --git a/chunks/txt/6732f60a73ba5782c5e4921d6f2ca42d68b670cc6e4574e6d96b2ee41e913a85.txt b/chunks/txt/6732f60a73ba5782c5e4921d6f2ca42d68b670cc6e4574e6d96b2ee41e913a85.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6c6304f2b240c58a42679b5b31f7db6896f9bca --- /dev/null +++ b/chunks/txt/6732f60a73ba5782c5e4921d6f2ca42d68b670cc6e4574e6d96b2ee41e913a85.txt @@ -0,0 +1,136 @@ +Field # Field +Width +1 + +13 + +sex_coborr + +Co-Borrower Sex + +14 +15 + +1 +1 + +units_num +afford_sf + +Number of Units +Unit - Affordability +Category + +1 = Male +2 = Female +3 = Information is not provided by the +borrower in a mail or telephone +application +4 = Not applicable +5 = No co-borrower +9 = Missing +1 +1 = Low-income family (but not very +low-income) in a low-income area +2 = Very low-income family in a low- +income area +3 = Very low-income family not in a low- +income area +4 = Other +9 = Not available +0 = Missing + +Always 1 in this file + +End of SF NFA + +SF NFA + +7 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File B + +Header Name + +Field Name + +Values + +Description / Comments + +enterprise + +Enterprise Flag + +1 = Fannie Mae +2 = Freddie Mac + +2 + +8 + +record_num_sf_nfb + +Record Number + +Starts at 10,000,001 for Fannie Mae +and 20,000,0001 for Freddie Mac + +metro + +Metropolitan Statistical +Area (MSA) Code + +1 = Metropolitan area +0 = Non-metropolitan area + +Location of the property based on the MSA +definitions in effect on January 1, 2024. + +Flag identifying whether the mortgage was +purchased by Fannie Mae or by Freddie Mac. +Fannie Mae and Freddie Mac are collectively +referred to as the Enterprises in this +document. +Sequential numerical identifier for the unit not +related to the record number in the Census +Tract File or the other National Files. + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +1 + +3 + +4 + +1 + +1 + +tract_minority_cat + +2020 Census Tract - +Percent Minority + +5 + +1 + +tract_income_cat + +Tract Income Ratio + +1 = >=0, <10% +2 = >=10, <30% +3 = >=30, <=100% +9 = Missing diff --git a/chunks/txt/673fca64dd83971ef5e11d003201b7986d92552f31933cbd6c1644dfc367d3da.txt b/chunks/txt/673fca64dd83971ef5e11d003201b7986d92552f31933cbd6c1644dfc367d3da.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc8b36677e687ca386cf089667a7ecfe4efc08b6 --- /dev/null +++ b/chunks/txt/673fca64dd83971ef5e11d003201b7986d92552f31933cbd6c1644dfc367d3da.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14401","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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}; h.appendChild(s); })(); diff --git a/chunks/txt/674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e.txt b/chunks/txt/674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..2536c0759fa2535676ce16239fdae9ee729559fe --- /dev/null +++ b/chunks/txt/674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e.txt @@ -0,0 +1,123 @@ +2 + +2 + +5 + +Numeric + +Numeric + +Numeric + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Rooms Only + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Bedrooms Only + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Bathroom Only + +PDF Display Format: +Full Bath Count.Half Bath Count +nn.nn + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +R + +R + +R + +R + +R + +R + +CR + +CR + +CR + +R + +R + +R + +CR + +CR + +CR + +CR + +CR + +CR + +R + +R + +R + +R + +R + +R + +R + +R + +R + +CR + +CR + +CR + +The sum of this field 3-84 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-80, 3-82, 3-86, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +The sum of this field 3-86 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +The sum of this field 3-87 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3- +86, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1.txt b/chunks/txt/674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1.txt new file mode 100644 index 0000000000000000000000000000000000000000..b161fe7b9021a2fa7b6d11f99f30a990b162f1d2 --- /dev/null +++ b/chunks/txt/674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17691","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/6752c24ef106c0444956e4862b4769048e15cb0589139241abf853d852a4737f.txt b/chunks/txt/6752c24ef106c0444956e4862b4769048e15cb0589139241abf853d852a4737f.txt new file mode 100644 index 0000000000000000000000000000000000000000..7e76248471d373467bdd260dfea6b2d76a61bcbc --- /dev/null +++ b/chunks/txt/6752c24ef106c0444956e4862b4769048e15cb0589139241abf853d852a4737f.txt @@ -0,0 +1,35 @@ +- ### [Questions and Answers on Conservatorship](/faqs/questions-and-answers-on-conservatorship) + +**Published: Sunday, September 7, 2008** + +​Q:​What is a conservatorship?​​A:​A conservatorship is the legal process in which a person or entity is appointed to establish control and oversight of a Company to put it in a soun... + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d.txt b/chunks/txt/676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ac20fddec59eadb7b4d1043165fbd73cb1d45cf --- /dev/null +++ b/chunks/txt/676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d.txt @@ -0,0 +1,4 @@ +Year: 2015 | AssignedID: 1997542 | FHLBank: Atlanta | FIPSStateCode: 51 | FIPSCountyCode: 069 | MSA: 49020 | FeatureID: 0001740338 | Tract: 0511.01 | MinPer: 16.96 | TraMedY: 88049 | LocMedY: 61537 | Tractrat: 1.4308 | Income: 110904 | CurAreY: 65300 | IncRat: 1.6984 | UPB: 334244 | LTV: 1 | MortDate: 2015 | AcqDate: 2015 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 7 | CoRace: 8 | BoSex: 1 | CoSex: 4 | BoAge: 44 | 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: 0.0338 | Amount: 338100 | Front: 0.1923 | Back: 0.4458 | BoCreditScor: 4 | CoCreditScor: 9 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | CoRace2: 8 | CoRace3: 8 | CoRace4: 8 | CoRace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2015 | AssignedID: 1997543 | FHLBank: Atlanta | FIPSStateCode: 18 | FIPSCountyCode: 039 | MSA: 21140 | FeatureID: 0000435227 | Tract: 0005.02 | MinPer: 30.64 | TraMedY: 47088 | LocMedY: 53742 | Tractrat: 0.8762 | Income: 126984 | CurAreY: 51800 | IncRat: 2.4514 | UPB: 126790 | LTV: 0.59 | MortDate: 2015 | AcqDate: 2015 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 54 | CoAge: 54 | 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: 0.035 | Amount: 139500 | Front: 0.0831 | Back: 0.1253 | BoCreditScor: 5 | CoCreditScor: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | CoRace2: 6 | CoRace3: 6 | CoRace4: 6 | CoRace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2015 | AssignedID: 1997544 | FHLBank: Atlanta | FIPSStateCode: 13 | FIPSCountyCode: 245 | MSA: 12260 | FeatureID: 0000356262 | Tract: 0109.03 | MinPer: 35.36 | TraMedY: 66219 | LocMedY: 54953 | Tractrat: 1.205 | Income: 72972 | CurAreY: 57900 | IncRat: 1.2603 | UPB: 173761 | LTV: 0.65 | MortDate: 2015 | AcqDate: 2015 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 7 | CoRace: 7 | BoSex: 1 | CoSex: 2 | BoAge: 66 | CoAge: 64 | 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: 0.035 | Amount: 176000 | Front: 0.1951 | Back: 0.296 | BoCreditScor: 3 | CoCreditScor: 4 | 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 +Year: 2015 | AssignedID: 1997545 | FHLBank: Atlanta | FIPSStateCode: 12 | FIPSCountyCode: 009 | MSA: 37340 | FeatureID: 0000294589 | Tract: 0644.00 | MinPer: 13.56 | TraMedY: 51191 | LocMedY: 60842 | Tractrat: 0.8414 | Income: 88176 | CurAreY: 58600 | IncRat: 1.5047 | UPB: 103961 | LTV: 0.97 | MortDate: 2015 | AcqDate: 2015 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | Amor diff --git a/chunks/txt/67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed.txt b/chunks/txt/67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7884c87476e630fe4591d6f97658224bc7dfac0 --- /dev/null +++ b/chunks/txt/67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed.txt @@ -0,0 +1,165 @@ +$45,000 +12/2039 + +Yes No +  + +  +  +  + +Description of Ground Rent The ground rent has been stable over +the last five years. The ground rent is controlled through the City of +Washington, D.C. + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 10 of 18 +Page 10 of 18 + +Project Information (continued) + +Cooperative Information + +Shares Issued and Outstanding +Shares Attributable to Subject +Property + +97,222 + +374 + +Project Blanket Financing + +Pro Rata Share + +0.3847% + +Lien Detail +Unpaid Principal Balance + +First Lien +$10,957,629 + +Line of Credit + +Balloon Mortgage + +Remaining Term + +Monthly Payment + +Interest Rate + +Amortization Type + +Pro Rata Share of Balance +Attributable to Unit + +No + +21 Months + +$63,739 + +4.060% + +Fixed + +$42,154 + +Proprietary Lease Expires + +11/2060 + +Yes No +  + +Second Lien + +Maximum: $1,000,000 +Drawn: $600,000 + +No + +120 Months + +$6,364 + +5.000% + +Fixed + +Maximum: $3,847 +Drawn: $2,308.20 + +Project Factors and Impact to Value/Marketability + +Project Factor +Developer/Sponsor in Control + +Detail +No + +Impact + +Comment + +Incomplete Project + +Landscaping + +Neutral + +Converted in Past 3 Years + +Apartment + +Single Entity Ownership of Multiple +Shares + +Greatest Number of Shares Owned +– 425 + +Commercial Space + +Known Legal Actions + +Unit Transfer Fees + +1% + +None + +$3,000 + +Unit Special Assessments + +None + +Unit Tax Abatements or Exemptions + +$7,500 per year +Expires 09/2021 + +Neutral + +Neutral + +Neutral + +Neutral + +Neutral + +Shareholders of the XYZ Apartments Project have agreed +to participate in the Urban Tree Foundation’s campaign +to plant 60 trees throughout the project’s common areas. +As of the effective date of the appraisal there were only +12 of the 60 trees planted, making the common areas +incomplete. There’s no measurable impact to value +or marketability due to the incomplete project. The +completion of the tree planting is anticipated to occur over +the next 30 days. diff --git a/chunks/txt/677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1.txt b/chunks/txt/677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..fce3df466c4cc31e97091a73441e92b116034dfd --- /dev/null +++ b/chunks/txt/677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1.txt @@ -0,0 +1,137 @@ +Accessory Dwelling Units + +1.023 + +Property Rights Appraised + +1.024 + +Is the highest and best use of the subject property as improved (or as +proposed per plans and specifications) the present use? + +1.025 + +Property Restriction + +1.026 + +Encroachment + +1.027 + +Zoning Compliance + +1.028 + +HUD Data Plate Attached + +1.029 + +HUD Label Present for All Sections + +1.030 + +Overall Quality + +1.031 + +Overall Condition + +1.000.1 + +No label + +Source +Field ID + +8.002 + +3.010 + +3.011 + +3.012 + +3.013 + +Dwelling Exterior + +Subject Property + +Subject Property + +Subject Property + +Subject Property + +18.014 + +Project Information + +3.015 + +3.005 + +3.006 + +3.019 + +Subject Property + +Subject Property + +Subject Property + +Subject Property + +16.004 + +Highest and Best Use + +4.051 + +4.059 + +4.014 + +9.010 + +9.016 + +Site + +Site + +Site + +Manufactured Home + +Manufactured Home + +15.000 + +Overall Quality and Condition + +15.005 + +Overall Quality and Condition + +8.000.1 + +Dwelling Exterior [Image] + +Appendix B-1: URAR Implementation Guide v1.3 + +Apparent Defects, Damages, Deficiencies Requiring Action + +The Apparent Defects, Damages, Deficiencies Requiring Action subsection always displays. The following data points determine how the +information in this subsection is rendered. + +Page 73 + +• SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) +• DwellingExteriorDefectsExistIndicator (UID: 3900.0097, FID: 8.055) +• UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055) +• OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019) +• VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) +• SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005) diff --git a/chunks/txt/678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c.txt b/chunks/txt/678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7a0433b2db5f1d5c0e39d71989ce7859358206b --- /dev/null +++ b/chunks/txt/678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c.txt @@ -0,0 +1,55 @@ +format section to include abbreviated entry "DT" for detach +option. + Updating Design (Style) instruction to include subject and +comparable in the text. + +- + +- Garage/Carport instruction to include subject and + +comparable in the text. + +02/03/2022 + +1.7 + +Updates in the Additional Comments section: +- Added fields that would capture additional details for Single + +Family Hybrid/Desktop appraisal forms. + +03/03/2022 + +1.7 + +Updates in the Reconciliation section: +- Added fields that would capture additional details for +Condominium Hybrid/Desktop appraisal forms. + +Page 3 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Introduction + +Under the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the +GSEs) have developed the Uniform Mortgage Data Program® (UMDP®) to enhance the accuracy and +quality of loan data delivered to each GSE. The Uniform Appraisal Dataset (UAD) is a key component of +the UMDP, which defines all fields required for an appraisal submission for specific appraisal forms and +standardizes definitions and responses for a key subset of fields. + +For conventional loans delivered to the GSEs on or after March 19, 2012 (and with application dates on +or after December 1, 2011), Fannie Mae and Freddie Mac will require appraisals to be completed using +the field-specific standardization requirements. Appraisal software forms providers will incorporate the +UAD field-specific standardization requirements into their appraisal report form software. The appraisal +data must conform to the UAD and be delivered through the Uniform Collateral Data Portal® (UCDP®), +the joint portal through which lenders will submit electronic appraisal reports for delivery to Fannie Mae +or Freddie Mac. The UAD and UCDP will help lenders, the GSEs, and other industry participants manage +collateral risk through efficient collection and enhanced quality of appraisal data. diff --git a/chunks/txt/67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1.txt b/chunks/txt/67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..04f1c5dac1cc0e3abacb12fef87421d1abb0b62d --- /dev/null +++ b/chunks/txt/67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1.txt @@ -0,0 +1,25 @@ +• + +• + +Improved table layout – Users will experience a cleaner text display and have the ability to +reorder table columns by dragging and dropping column headers. +Improved characteristic pop-up function - Characteristic history pop-ups will no longer open +out-of-view in the bottom rows of the table. + +• Property field sorting fix – “Prop” field sorting will be fixed so that a single click on the column +header sorts by subject property, then ordered appraisal comps, then ordered model comps. + +Adjustments Page + +Enhanced scroll function – Horizontal scroll arrows will be extended to the bottom of the page to +allow users to scroll through comparables at any location on the page. + +For More Information + +For more information about these release notes, lenders may contact their Fannie Mae customer account team. Additional +information including help and training is available on the Collateral Underwriter page. + +© 2022 Fannie Mae + +2.11.22 Page 2 of 2 diff --git a/chunks/txt/67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6.txt b/chunks/txt/67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef71e98aa9e2183d89612a46e58f8c1646b62da4 --- /dev/null +++ b/chunks/txt/67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6.txt @@ -0,0 +1,100 @@ +9.023 Manufacturer’s +Invoice +Reviewed + +Required if New +Construction is Yes + +Yes | No + +Indicates whether the appraiser reviewed and analyzed the manufacturer’s +invoice for the manufactured home. + +Note: A photo or image of the invoice may be provided, which displays in +Manufactured Home Exhibits. An additional caption must be provided +indicating “Manufacturer’s Invoice” and any other descriptive information as +appropriate. + +Appendix F-1: URAR Reference Guide + +Page 120 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +09 Manufactured Home + +Manufactured Home – Dwellings – Invoice Information + +Report +Field ID + +9.024 + +Report Label + +When to Include + +Invoice(s) +Appear +Reasonable + +Required if Retailer’s +Invoice Reviewed is +Yes or Manufacturer’s +Invoice Reviewed is +Yes + +9.025 + +Commentary on +Why Invoice(s) +Not Reasonable + +Required if Invoice(s) +Appear Reasonable is +No + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Indicates whether, based on the analysis of the manufacturer's invoice and / or +retailer's invoice, the content appears to be reasonable. + +Free-form + +Explain the results of the analysis and why the invoice(s) were determined to +not be reasonable. + +Manufactured Home Commentary + +Manufactured Home – Dwellings - Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +9.026 Manufactured +Home +Commentary + +If applicable + +Free-form + +Commentary could include information pertinent to the Manufactured Home +section that is not captured in the discrete data, or additional details to support +the discrete data that is provided. diff --git a/chunks/txt/67a74bf1e29d2c74f8daeda9a248d210508756da7d1093b0c646e0aaecada598.txt b/chunks/txt/67a74bf1e29d2c74f8daeda9a248d210508756da7d1093b0c646e0aaecada598.txt new file mode 100644 index 0000000000000000000000000000000000000000..d9dcd44737698b4692413005539e2a716eccf782 --- /dev/null +++ b/chunks/txt/67a74bf1e29d2c74f8daeda9a248d210508756da7d1093b0c646e0aaecada598.txt @@ -0,0 +1,51 @@ +Overview: Desktop Underwriter Specification for the +Uniform Residential Loan Application (URLA) + +Quick Facts + + The Desktop Underwriter® (DU®) Specification supports the redesigned Uniform Residential Loan Application + +(URLA / Form 1003) and supports the Supplemental Consumer Information Form (SCIF / Form 1103) + +Highlights of the DU Specification + + Designed by leveraging the MISMO + +Version 3.4 Reference Model + + Follows a schema format; supports the + +redesigned URLA and DU data requirements + + Modeled by MISMO certified professionals; + +vetted by industry stakeholders and tested by +Fannie Mae + + Supports data requirements for Conventional + +(DU), Government (FHA, VA) loans, +EarlyCheckTM, Credit Only Requests, Home +Mortgage Disclosure Act (HMDA) borrower +demographic information, and the Supplemental +Consumer Information Form (SCIF) + + Data allows for events with multiple repeating + +instances, for example: multiple jobs/sources of +employment, multiple assets/liabilities, and +multiple REO properties + +DU Specification Benefits +GREATER ACCURACY, FLEXIBILITY, AND CLARITY + + More relevant loan and borrower data needed for the loan origination process + Clear data definitions to help the industry understand the business content of the data + Data conditionality for a comprehensive credit risk assessment and DU eligibility determination + Structures that allow multiple instances of repeating information for borrowers + Easier to identify the data needed for the redesigned URLA and the additional data required by DU + +Resources +For more information on the URLA and DU Specification visit: +www.fanniemae.com/singlefamily/uniform-residential-loan-application +https://singlefamily.fanniemae.com/technology-integration/technology-integration-resources diff --git a/chunks/txt/67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da.txt b/chunks/txt/67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da.txt new file mode 100644 index 0000000000000000000000000000000000000000..acf777578c850db908c2d96c0a173ee4f17438b4 --- /dev/null +++ b/chunks/txt/67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da.txt @@ -0,0 +1,35 @@ +N O T E : For submissions with a casefile obtained from test DU environment, the UCD test environment will no longer +display the matching DU data as part of the UCD findings. New warning message 2050 will notify users that the DU +matched was not performed. Edit 2050 message: The UCD Test Environment does not match Casefile IDs to any DU +environment. The UCD submission was processed without DU matching. + +February 27 + +New Data Point – +Qualified Mortgage +Short Reset ARM APR +Percent + +Fannie Mae will implement warning-to-fatal severity edits for the new data point +‘gse:QualifiedMortgageShortResetARM_APRPercent’ on February 27, 2023, for all Adjustable-Rate Mortgages (ARMs) +that meet the definition below. + +For all ARMs, lenders must use the loan amount over the loan term to calculate periodic payments of principal and interest. The +Revised Qualified Mortgage (QM) Rules Annual Percentage Rate (APR) and Average Prime Offer Rate (APOR) threshold test adds +an APR data requirement for adjustable-rate QM loans that have an interest rate change within the first five years. The lender +must use the maximum interest rate that could apply during the first five years after the first payment is due when calculating +the qualifying rate; e.g.: + +• + +• + +3/6 ARMs: Note rate plus lifetime cap + +5/6 ARMs: Note rate plus first rate change cap + +Each GSE’s UCD collection solution can accept this data point at any time. The edits will transition +to fatal severity on May 1, 2023. See the UCD Phase 3 Critical Edits Matrix and the UCD Feedback +Messages document for more information. + +© 2023 Fannie Mae 12.14.23 Page 4 of 5 diff --git a/chunks/txt/67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b.txt b/chunks/txt/67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b.txt new file mode 100644 index 0000000000000000000000000000000000000000..72963094e4f729109068d466fbb5853b3c3c1540 --- /dev/null +++ b/chunks/txt/67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b.txt @@ -0,0 +1,98 @@ +Ground Rent + +Total Units +Units Sold +Units for Sale +Units Rented + +Builder or Developer +HOA +50 +47 +3 +~2 + +Reason Units Rented is Estimated The data shows only two off- +site mailing addresses, therefore assumed that they are rented units. +Mandatory Fees (HOA, PUD, or Co-op) + +Monthly Amount +Common Amenities/ +Services Included + +Utilities Included + +Observed Deficiencies + +$500 + +Clubhouse +Club Membership +Gated Community +Inground Pool +Snow Removal +Trash Removal +None + +Yes No +  + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 12 of 24 +Page 12 of 24 + +Project Information (continued) + +Project Factors and Impact to Value/Marketability + +Project Factor +Developer/Sponsor in Control + +Detail +No + +Impact + +Comment + +Single Entity Ownership of Multiple +Units + +Commercial Space + +Known Legal Actions + +Unit Transfer Fees + +Unit Special Assessments + +Unit Tax Abatements or Exemptions + +Greatest Number of Units Owned - 3 + +Neutral + +3 units owned by developer are for sale. + +None + +None + +None + +None + +None + +Project Factors Commentary The Developer is not in control of the HOA. This appraiser’s research of the subject property and project did +not indicate the presence of any known legal actions, tax abatements, or any tax exemptions of any manner. + +Project Information Commentary + +Club Membership is for the golf course and is required to live in this community. Dues are handled through the HOA fee. Membership requires +the one time payment of $10,000 that is handled outside of this transaction. + +Project Information Exhibits diff --git a/chunks/txt/67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f.txt b/chunks/txt/67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f985f5011c4ba83fdc33a3e2ef279ef64e1116ad --- /dev/null +++ b/chunks/txt/67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f.txt @@ -0,0 +1,68 @@ +Appendix 2: Condition and Quality Rating Definitions + +Appendix 2: Condition and Quality Rating Definitions + +Condition Rating Definitions + +Condition Ratings describe the physical condition of a property as of the effective date of the appraisal on an +absolute basis, not on a relative basis or how a property relates to other properties. + +Condition Rating definitions are used for Overall Condition, Exterior Condition, and Interior Condition. + +Rating + +Condition Rating Definition + +Criteria + +Condition Rating Definitions + +C1 + +C2 + +C3 + +C4 + +C5 + +C6 + +The dwelling is 100% newly constructed, +completed within the past 12 months, has never +been occupied, and exhibits no signs of wear or +use. + +A dwelling in C1 condition: +• +• May include non-structural components composed of “like new” recycled materials (e.g., + +Has a foundation that must be 100% original to the new construction. + +reconditioned or refinished barn wood). +Is a 100% newly constructed dwelling that does not exhibit physical depreciation. + +• + +The dwelling exhibits like-new condition. It has +been recently constructed or entirely remodeled +within 36 months prior to the appraisal date, +while retaining portions of the pre-existing +structure. The dwelling may have been occupied +but features no deferred maintenance and +requires no repair. + +The dwelling has been well-maintained and +exhibits only minimal wear and tear. The +dwelling may exhibit only minor age-related +physical depreciation; or, most components, but +not every major building component, has been +updated or renovated. + +The dwelling has been adequately maintained +and exhibits moderate wear and tear resulting +from occupancy and exposure to elements. The +dwelling may feature some updating, but +otherwise contains deferred maintenance items +that are generally minor or cosmetic in nature. diff --git a/chunks/txt/67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea.txt b/chunks/txt/67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..f175490da82adef996909e58c72ab7c7ac22d36b --- /dev/null +++ b/chunks/txt/67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea.txt @@ -0,0 +1,65 @@ +Examples: +• For larger parcels or new construction, move to the location of the dwelling +• For land comparables, where geocoding may not be aware of the address + +Best Practices + +When there are multiple allowable answers, select the answer that is most applicable. Don’t select Other +(Describe) and type in abbreviations or words with similar meaning to the allowable answer. + +The URAR includes many options that allow for the appropriate scope of work. Not all options are required. +Example: The cost approach is optional in the data, and not all clients require it for all property types. + +Appendix F-1: URAR Reference Guide + +Page 23 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Header and Footer + +Header and Footer + +The header and footer display on each page. They provide navigation and reference notations including report +title, page numbers, and, if applicable, Reference IDs used by various parties to the appraisal. The footer +contains information that is input by the appraiser; those fields are addressed in this chapter. + +Footer + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +HF.002 Appraisal +Version # + +Always required + +Number + +Footer + +Definition / Additional Guidance + +The version number is updated each time the appraiser transmits the appraisal +report to the client. A sequential number should be provided for each version +of the appraisal report transmitted to the client. + +Example: After the initial submission, when changes are made, the next version +would be identified as Appraisal Version #2. + +HF.005 Appraiser + +Always required + +Free-form + +Reference ID diff --git a/chunks/txt/67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f.txt b/chunks/txt/67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f.txt new file mode 100644 index 0000000000000000000000000000000000000000..5518e96b9f75fb50d23cccc5a15b4aad0e8f8e19 --- /dev/null +++ b/chunks/txt/67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f.txt @@ -0,0 +1,142 @@ +1 = Originated in same calendar year +as acquired +2 = Originated prior to calendar year of +acquisition +9 = Missing +999 = Not available + +Months + +1, 2, 3, or 4 +99.000 = Missing/Not available + +SF CTF + +27 + +Federal Housing +Finance Agency + +Field # Field +Width +9 + +47 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +upb_orig + +Note Amount + +999999999 = Not available + +Note amount is reported as the midpoint for +the $10,000 interval into which the reported +value falls to conform with CFPB Privacy +Guidance. + +48 + +1 + +preapproval + +Preapproval + +49 + +1 + +channel_apply + +Application Channel + +50 + +1 + +aus + +Automated Underwriting +System (AUS) Name + +1 = Preapproval requested +2 = Preapproval not requested +9 = Preapproval request unknown or +missing +1 = ULDD Retail Origination +2 = ULDD Broker Origination +3 = Other +9 = Application channel unknown or +missing +1 = Desktop Underwriter (DU) +2 = Loan Prospector (LP) or Loan +Product Advisor (LPA) +3 = Technology Open to Approved +Lenders (TOTAL) Scorecard +4 = Guaranteed Underwriting System +(GUS) +5 = Other +6 = Not applicable or AUS not used +9 = AUS unknown or missing + +SF CTF + +28 + +Federal Housing +Finance Agency + +Field # Field +Width +2 + +51 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +score_borr_model + +Credit Score Model - +Borrower + +1 = Equifax Beacon 5.0 +2 = Experian Fair Isaac +3 = FICO Risk Score Classic 04 +4 = FICO Risk Score Classic 98 +5 = VantageScore 2.0 +6 = VantageScore 3.0 +7 = More than one credit scoring model +8 = Other credit scoring model +9 = Not applicable +11 = FICO Score 9 +12 = FICO Score 8 +13 = FICO Score 10 +14 = FICO Score 10T +15 = VantageScore 4.0 +99 = Unknown diff --git a/chunks/txt/67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e.txt b/chunks/txt/67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce9aaaf01ce5e9dba01c044f1341d9024666b1bc --- /dev/null +++ b/chunks/txt/67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e.txt @@ -0,0 +1,19 @@ +- ARRC Paper: [Options for Using SOFR in Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC-SOFR-indexed-ARM-Whitepaper.pdf) (7/2019) +## Statements + +- [Statement from FHFA Director Sandra L. Thompson on Enterprise Replacement Rates for Legacy LIBOR-Indexed Products](/node/14046) (12/22/2022) +- [FHFA Statement in Support of the ARRC's White Paper on Transition to SOFR](/node/9106) (7/11/2019) +## Testimony + +- Testimony: [Daniel E. Coates, Senior Associate Director, FHFA, Before House Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets](/node/10086) *"The End of LIBOR: Transitioning to an Alternative Interest Rate Calculation for Mortgages, Student Loans, Business Borrowing, and Other Financial Products"*(4/15/2021) +## Other + +- On December 16, 2022, the Federal Reserve Board issued its final rule implementing the Federal Adjustable Interest Rate (LIBOR) Act. The final rule identifies replacement indexes for covered legacy products, including products that are “FHFA-regulated entity contracts.” +[https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-253](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-253) +- On March 15, 2022, Federal Adjustable Interest Rate (LIBOR) Act was signed into law. The legislation required the Federal Reserve Board to publish [regulations](https://www.congress.gov/117/plaws/publ103/PLAW-117publ103.pdf) identifying a Board-selected benchmark replacement that is based on SOFR and provides safe harbor for parties that select Board-recommended replacements for covered LIBOR contracts. +- FHFA Letter to House Committee on Financial Services and Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets: [FHFA's Views on H.R. 4616 - the Adjustable Interest Rate (LIBOR) Act of 2021](/sites/default/files/2023-08/FHFALetterofSupportFor4616-web.pdf)(7/28/2021) +- FHFA Letter to Federal Home Loan Banks: [Alternative Reference Rate Selection Risk Management​](/sites/default/files/2023-08/Alternative-Reference-Rate-Selection-Risk-Management-712021.pdf)(7/1/2021) +- ​FHFA Letter to Federal Home Loan Banks: [International Swaps and Derivatives Association 2020 IBOR Fallbacks Protocol​​](/sites/default/files/2023-03/isda-protocol-final.pdf)(10/21/2020)​ +- CFPB Blog: [​You might have heard that LIBOR is going away. Here's what you need to know about LIBOR and adjustable-rate loans](https://www.consumerfinance.gov/about-us/blog/libor-going-away-heres-what-you-need-know-about-libor-and-adjustable-rate-loans/) (10/17/2019) +- [ARRC Consultation Regarding More Robust LIBOR Fallback Contract Language for New Closed-End, Residential Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC-ARM-consultation.pdf) (5/12/2019) +## Co​nta​ct diff --git a/chunks/txt/67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f.txt b/chunks/txt/67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee5c8b85e04f19e3556c878571a78b55ec28ad28 --- /dev/null +++ b/chunks/txt/67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f.txt @@ -0,0 +1,3 @@ +Sales Contract Exhibits ............................................................................................................................................................................................................. 267 + +21 Prior Sale and Transfer History ........................................................................................................................................................................................................ 268 diff --git a/chunks/txt/67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7.txt b/chunks/txt/67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..7584f04488a87db482c53a32365f1bd4acc1a152 --- /dev/null +++ b/chunks/txt/67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7.txt @@ -0,0 +1,83 @@ +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +27.006 Reconsideration +of Value +Commentary + +Required if +Reconsideration of +Value Indicator is Yes + +Free-form + +Provide commentary summarizing the outcome of the ROV. + +Note: Specific changes to the URAR are detailed in the Revision History Table +(27.000 – 27.002). + +Appendix F-1: URAR Reference Guide + +Page 337 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +28 Supplemental Information + +28 Supplemental Information + +All photos and images must be included in the most applicable section. The Supplemental Information section +provides a place for relevant photos or images that support the appraiser’s conclusions and do not relate to any +other section. If there are no supplemental exhibits, the section does not display. + +Supplemental Information Exhibits + +Report +Field ID + +See +iGuide + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Supplemental +Information +Exhibits + +If applicable + +Photos or images + +Photos or images not relevant to any other section may be provided in +Supplemental Information Exhibits. A caption must be provided to further +identify the photo or image. + +Appendix F-1: URAR Reference Guide + +Page 338 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +29 Certifications and Scope of Work + +29 Certifications and Scope of Work + +The Certifications and Scope of Work section always displays. It contains a combination of: +• Predefined text that always displays (not addressed in this document) +• Dynamic predefined text (e.g., text for government agency appraisals, Appraiser Cert 10) +• Free-form text (e.g., additional scope of work or appraiser certifications) diff --git a/chunks/txt/67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2.txt b/chunks/txt/67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..08f65801b7c4db1a804d2e57acb15cd6343a1cb7 --- /dev/null +++ b/chunks/txt/67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/loss-mitigation" +date_accessed: "2026-01-27T17:48:00.506Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d.txt b/chunks/txt/68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..30ed12dfe25c55458293c781bebc83a59684da23 --- /dev/null +++ b/chunks/txt/68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d.txt @@ -0,0 +1,99 @@ +The total area of the property +improvements below grade. + +321 + +2 + +e-19 + +SALES +COMPARISON +APPROACH + +Basement & Finished + +(Line 1) + +GSE Below Grade +Finish Square Feet +Number + +The total finished area of the property +below grade. + +322 + +2 + +e-20 + +SALES +COMPARISON +APPROACH + +Basement & Finished + +(Line 1) + +GSE Basement Exit +Type + +The type of exit for a basement. +Describes how the basement can be +accessed. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeTotalSquareFeetNumber + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBasementExitType + +5 + +Numeric + +5 + +Numeric + +323 + +2 + +82 + +SALES +COMPARISON +APPROACH + +Basement & Finished +Adjustment + +(Line 1) + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. diff --git a/chunks/txt/6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b.txt b/chunks/txt/6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b.txt new file mode 100644 index 0000000000000000000000000000000000000000..eec6ee7b548b1b9ac3279f830667ef72561da7d2 --- /dev/null +++ b/chunks/txt/6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b.txt @@ -0,0 +1,102 @@ +18.085 + +Incomplete +Project +(Comment) + +Required if Project +Complete is No + +Converted in Past 3 Years + +Definition / Additional Guidance + +Incomplete Project Elements: Indicates which project elements are incomplete. +• +• +• +• + +Amenities +Common Elements +Units (including buildings and phases) +Other + +Provide additional commentary to include details and other information about +the incomplete elements. +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). + +The Converted in Past 3 Years row displays in the Project Factors table if Converted in Past 3 Years (18.018) is +Yes. + +Report +Field ID + +Report Label + +When to Include + +18.066 Converted in +Past 3 Years +(Detail) + +Required if Converted +in Past 3 Years is Yes + +Project Factors: Converted in Past 3 Years + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Prior Use: The original use before the project was converted to its current form +of project ownership legal structure. +• +• +• +• +• +• +Note: If the building had multiple uses in the past, choose the last use before +the conversion. + +Apartment +Commercial Building +Hotel or Motel +House +Industrial Building +Other (Describe) + +18.076 Converted in +Past 3 Years +(Impact) + +18.086 Converted in +Past 3 Years +(Comment) + +Required if Converted +in Past 3 Years is Yes + +Required if Converted +in Past 3 Years is Yes + +Adverse, +Beneficial, or +Neutral + +Free-form + +Comment on the extent of the conversion detailing new or refurbished items +(e.g., mechanicals, flooring, wiring, plumbing, cabinets, and fixtures). +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). diff --git a/chunks/txt/680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0.txt b/chunks/txt/680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..8599fef8f72807b633dcf67300250c1287802dfa --- /dev/null +++ b/chunks/txt/680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0.txt @@ -0,0 +1,60 @@ +elements that the Enterprises are +currently collecting as part of their +established mortgage-purchasing +activities. Section 1323(a) does not +contain a mandate that the Enterprises +modify their seller-servicer agreements +to collect additional data solely for the +purpose of populating the PUDB. While +it might be within the scope of statutory +discretion for the agency to administer +this provision in that way, the +Enterprises are currently operating in +conservatorship and it would not +further the purposes of their +conservatorship to do so. + +Section 1323(b)(1) states that, except + +as provided in paragraph (b)(2), the +Director may not make available to the +public Enterprise data that the Director +determines under section 1326 are +proprietary. Section 1323(b)(2), as +amended, provides that the Director +shall not restrict public access to the +data in the Enterprise reports related to +income, census tract location, race, and +gender of single-family mortgagors, or to +the data required to be reported under +HMDA at the census tract level. See 12 +U.S.C. 4543(b)(1), 4543(b)(2), 4546. +Consistent with the amendments to +section 1323, section 1127 of HERA +amended section 1326 of the Safety and +Soundness Act by adding a new +paragraph (d) which states that, subject +to the privacy restrictions described in +section 304(j) of HMDA,1 the Director +shall make public certain information +relating to single-family mortgage data +of the Enterprises: (1) the same data +from the Enterprises that is required of +insured depository institutions under +HMDA; and (2) information collected by +the Director under section 1324(b)(6). +See 12 U.S.C. 4544(b)(6), 4546(d). +Section 1324(b)(6), in turn, part of a +section describing the contents of +FHFA’s Annual Housing Activities +Report (AHAR) to Congress, requires +FHFA to compare ‘‘the characteristics of +high-cost loans purchased and +securitized by each Enterprise where +such securities are not held on portfolio, +to loans purchased and securitized +where such securities are either retained +on portfolio or repurchased by the +Enterprise, including such +characteristics as—(A) The purchase +price of the property that secures the diff --git a/chunks/txt/6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79.txt b/chunks/txt/6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3e58dd58214bfcf8a959f588ea90726bba70ae7 --- /dev/null +++ b/chunks/txt/6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79.txt @@ -0,0 +1,32 @@ +Enter your search + +Search + +- Process + - 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[Software Provider Resource Center](/general/software-provider-resource-center) + +- Featured Technology + - [System Status](/tools-learning/system-status) + - [Freddie Mac Gateway](/tools-learning/technology-tools/our-solutions) + - [Freddie Mac Income Calculator](/tools-learning/technology-tools/our-solutions/income-calculator) + - [Access Manager](/tools-learning/access-manager/overview) diff --git a/chunks/txt/682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d.txt b/chunks/txt/682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f4ca0ff565bafd42c41145b60221bd8f1dfb4af --- /dev/null +++ b/chunks/txt/682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d.txt @@ -0,0 +1,11 @@ +Subject Property ............................................................................................................................................ 86 + +Appendix E: Report Style Guide + +Page 10 of 90 + +Version 1.4 + +Legal Description (H1) ......................................................................................................................................... 86 + +Original Appraisal .......................................................................................................................................... 86 diff --git a/chunks/txt/68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607.txt b/chunks/txt/68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607.txt new file mode 100644 index 0000000000000000000000000000000000000000..74f80850cb66f86e2ecd1211f2fbd6a208829058 --- /dev/null +++ b/chunks/txt/68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/ombudsman" +date_accessed: "2026-01-27T17:54:20.334Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736.txt b/chunks/txt/683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736.txt new file mode 100644 index 0000000000000000000000000000000000000000..598186c786beedd94eab28061aa28ea1a633d975 --- /dev/null +++ b/chunks/txt/683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736.txt @@ -0,0 +1,20 @@ +The amount of the negative dollar adjustment for each comparable with sales or financing concessions should be equal to any +increase in the purchase price of the comparable that the appraiser determines to be attributable to the concessions. The need to +make negative dollar adjustments for sales or financing concessions and the amount of the adjustments to the comparable sales +is not based on how typical the concessions might be for a segment of the market area. Large sales or financing concessions can +be relatively typical in a particular segment of the market and still result in sale prices that reflect more than the value of the real +estate. Adjustments based on dollar-for-dollar deductions that are equal to the cost of the concessions to the seller, as a strict +cash equivalency approach would dictate, are not appropriate unless supported by the market data. + +Fannie Mae recognizes that the effect of sales or financing concessions on sales prices can vary with the amount of the +concessions and differences in various markets. Adjustments must reflect the difference between what the comparables actually +sold for with the sales or financing concessions and what they would have sold for without the concessions so that the dollar +amount of the adjustments will approximate the reaction of the market to the concessions. If the appraiser’s analysis determines +that the market’s reaction is the full amount of the financing concession, a dollar-for-dollar adjustment is acceptable. + +Positive adjustments for sales or financing concessions are not acceptable. For example, if local common practice or law results +in virtually all of the property sellers in the market area paying a 1% loan origination fee for the purchaser, and a property seller in +that market did not pay any loan fees or concessions for the purchaser, the sale would be considered as a cash equivalent sale in +that market. The appraiser must recognize comparable sales that sold for all cash or with cash equivalent financing and use them +as comparable sales if they are the best indicators of value for the subject property. Such sales also can be useful to the appraiser +in determining those costs that are normally paid by sellers as the result of common practice or law in the market area. diff --git a/chunks/txt/683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4.txt b/chunks/txt/683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4.txt new file mode 100644 index 0000000000000000000000000000000000000000..7fb0a1c76155d5fa0baa8320330095db5144a1f7 --- /dev/null +++ b/chunks/txt/683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4.txt @@ -0,0 +1,82 @@ +Figure 56. Rendering Property Cost Data on the CD Escrow Account Table when EscrowIndicator = “false”. + +18.0 Escrow Account + +No Escrow + +Estimated +Property Costs +over Year 1 + +18.6 + +$5,250.00 Estimated total amount over year 1. You must pay these costs + +directly, possibly in one or two large payments a year. + +Because the data points used to populate these Escrow Account table fields are uniquely defined and calculated for the CD +according to the TRID Regulation, they are included in the document-specific INTEGRATED_DISCLOSURE_DETAIL. + +Figure 57. UCD v2.0 Excerpt - Miscellaneous CD Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN +/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/INTEGRATED_DISCLOSURE +_DETAIL + +11.023 + +FirstYearTotalEscrowPaymentAmo +unt + +11.069 + +FirstYearTotalNonEscrowPayment +Amount + +3.024 + +IntegratedDisclosureHomeEquityL +oanIndicator + +3500.00 + +1750.00 + +true + +1.001 + +IntegratedDisclosureIssuedDate + +2024-04-18 + +This data point is not used if the EscrowIndicator = +“false” + +N O T E : UCD v2.0 no longer includes the data points FirstYearTotalEscrowPaymentDescription, +FirstYearTotalNonEscrowPaymentDescription or IntegratedDisclosureLoanProductDescription. + +Figure 58. XML Snippet - INTEGRATED_DISCLOSURE_DETAIL Data. + + +… + + + + + + + + + + + +3500.00 diff --git a/chunks/txt/685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733.txt b/chunks/txt/685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733.txt new file mode 100644 index 0000000000000000000000000000000000000000..069778e2be7c1792f94672cae22681c5df461830 --- /dev/null +++ b/chunks/txt/685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733.txt @@ -0,0 +1,22 @@ +**29. How do I determine the value that should be delivered UID 4.039 Average Prime Offer Rate Percent (APOR)?** + +Refer to [https://ffiec.cfpb.gov/tools/rate-spread](https://ffiec.cfpb.gov/tools/rate-spread) for information on how to calculate the APOR. + +**30. How do I identify in the UCD XML file fees related to a loan with a temporary buydown?** + +If the loan has a temporary buydown feature, include the following data points in the UCD XML file: + +- Buydown Temporary Subsidy Funding Indicator = “true” +- Fee Type = “TemporaryBuydownPoints” (the total dollar amount of the buydown fund) +- Fee Type = “TemporaryBuydownAdministrationFee” (the total cost to the borrower for the service of establishing the buydown fund, when charged) +**31. What value is expected in UID 3.038 Current Rate Set Date?** + +As defined in the MISMO v3.3.0 Logical Data Dictionary and reflected in the UCD Specs, Current Rate Set Date is, *“The date on which the interest rate for the loan was set by the lender for the final time before closing.”* + +**32. How do I indicate that the Secured Overnight Financing Rate (SOFR) was used as the index for an Adjustable-Rate Mortgage (ARM) Transaction?** + +The value “Other” should be provided in UID 11.055 Index Type and the value “SOFR” should be provided in UID 11.100 Index Type Other Description. + +*Note: If your business process requires delivery of ‘30DayAverageSOFR’, this value can be delivered in the UCD XML file instead of ‘SOFR’ and will not impact the status of your UCD submission or the eligibility of the loan.* + +**33. How is the subject property address provided when it does not have a street address?** diff --git a/chunks/txt/685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3.txt b/chunks/txt/685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed6a7bc78c185e7c035c3ac1ce98e0f52b089639 --- /dev/null +++ b/chunks/txt/685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3.txt @@ -0,0 +1,15 @@ +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - FHFA House Price Index® + +document.addEventListener("DOMContentLoaded", function () { const titleElement = document.querySelector('h1[data-component-id="fhfa:page-title"]'); if (titleElement) { titleElement.innerHTML = titleElement.innerHTML.replace(/®/g, '®'); } }); The FHFA House Price Index® (FHFA HPI®) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities. The FHFA HPI® incorporates tens of millions of home sales and offers insights about house price fluctuations at the national, census division, state, metro area, county, ZIP code, and census tract levels. FHFA uses a fully transparent methodology based upon a weighted, repeat-sales statistical technique to analyze house price transaction data. + +## What does the FHFA HPI® represent? + +--- + +The FHFA HPI® is a broad measure of the movement of single-family house prices. The FHFA HPI® is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. This information is obtained by reviewing repeat mortgage transactions on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac since January 1975. + +The FHFA HPI® serves as a timely, accurate indicator of house price trends at various geographic levels. Because of the breadth of the sample, it provides more information than is available in other house price indexes. It also provides housing economists with an improved analytical tool that is useful for estimating changes in the rates of mortgage defaults, prepayments and housing affordability in specific geographic areas. diff --git a/chunks/txt/685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718.txt b/chunks/txt/685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718.txt new file mode 100644 index 0000000000000000000000000000000000000000..23629ebb3dddd28be671f48581acda8d4afe9eb0 --- /dev/null +++ b/chunks/txt/685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718.txt @@ -0,0 +1,115 @@ +20 + +String + +This is a free text field which should describe the heating/cooling. + +10 + +Money + +20 + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This is a free text field which must describe any energy efficient items. + +If none, the appraiser must indicate 'None'. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +20 + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +The sum of this field 2-88 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2- +86, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +The sum of this field 2-90 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2- +86, 2-88, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +CR + +T + +CR + +T + +CR + +R + +CR + +R + +CR + +T + +CR + +T + +CR + +R + +CR + +R + +CR + +T + +CR + +T + +CR + +R + +CR + +R + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 65 of 211 + +Document Version 1.4 + +Form Field Label + +Data Point Name + +Data Point Definition diff --git a/chunks/txt/6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f.txt b/chunks/txt/6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f.txt new file mode 100644 index 0000000000000000000000000000000000000000..5fa8cf097f51f74e4d15cc4ec0d057a41f26aa6e --- /dev/null +++ b/chunks/txt/6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f.txt @@ -0,0 +1,112 @@ +End of SF CTF + +SF CTF + +32 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Multifamily Properties +National File Property Level + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +1 + +enterprise + +Enterprise Flag + +1 = Fannie Mae +2 = Freddie Mac + +2 + +8 + +record_num_mf_nf + +Record Number + +Starts at 10,000,001 for Fannie Mae +and 20,000,0001 for Freddie Mac + +3 + +1 + +tract_minority_cat + +2020 Census Tract - +Percent Minority + +4 + +1 + +tract_income_cat + +Tract Income Ratio + +1 = >=0, <10% +2 = >=10, <30% +3 = >=30, <=100% +9 = Missing + +1 = >0, <=80% +2 = >80, <=120% +3 = >120% +9 = Missing + +Flag identifying whether the mortgage was +purchased by Fannie Mae or by Freddie Mac. +Fannie Mae and Freddie Mac are collectively +referred to as the Enterprises in this +document. +Sequential numerical identifier for the +property not related to the record number in +the Census Tract File but matching the record +number in each associated multifamily +National File unit class record. + +The percentage of the census tract’s +population that is classified as belonging to a +minority group, based on the 2020 decennial +census. See definition of Minority in 12 CFR +1282.1. +The ratio of the 2020 census tract median +income to the local area median income. This +field is not required for calculating +performance for the multifamily housing goal +or subgoal. It is provided here for +informational purposes. + +MF NFP + +33 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +5 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions diff --git a/chunks/txt/6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e.txt b/chunks/txt/6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7ec16aa156fb7d921141e48e9e67f22f3b978cd --- /dev/null +++ b/chunks/txt/6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e.txt @@ -0,0 +1,99 @@ +Information that May Display in Black Tab + +The Unit Interior black tab provides context as to where the unit is located. + +Examples: +• A single-family property with no ADU would display “Unit Interior” + +• An ADU in a detached garage might display “Unit Interior – ADU/Garage – ADU”, depending on appraiser + +inputs + +o Outbuilding Type is ADU/Garage +o Unit Identifier is ADU + +• A unit in a 2- to 4-unit property with one dwelling might display “Unit Interior – Unit 3”, depending on + +appraiser inputs + +o Unit Identifier is Unit 3 + +• A unit in a 2- to 4-unit property with multiple dwellings might display “Unit Interior – Building 2 – Unit 2", + +depending on appraiser inputs + +o Structure Identifier is Building 2 +o Unit Identifier is Unit 2 + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +10.000 Unit Interior + +Displays if applicable + +N/A + +(black tab) + +If the unit is an ADU in an outbuilding, Outbuilding Type (12.001) redisplays +from the Outbuilding section. + +Unit Interior: Black Tab + +Appendix F-1: URAR Reference Guide + +Page 125 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Unit Interior: Black Tab + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +10.001 Unit Interior + +Displays if applicable + +N/A + +(black tab) + +10.002 Unit Interior + +(black tab) + +Required if there is +more than one living +unit + +Free-form + +Definition / Additional Guidance + +If applicable, Structure Identifier (8.000) redisplays from the Dwelling Exterior +section. +Examples: Building 1, Building 2, Front, Rear +Unit Identifier: An identifier assigned by the appraiser that differentiates +between multiple units on the property. diff --git a/chunks/txt/68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82.txt b/chunks/txt/68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82.txt new file mode 100644 index 0000000000000000000000000000000000000000..a735a6cba74074ba5e9f891ca6edab8363e0f38e --- /dev/null +++ b/chunks/txt/68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82.txt @@ -0,0 +1,105 @@ +Level B1 - Den + +This is where the Bath 1 photo would display. + +This is where the Den photo would display. + +Level 1 - Bath - Half + +Level 1 - Kitchen + +This is where the Half Bathroom photo would display. + +This is where the Kitchen photo would display. + +Level 1 - Living Room + +Level 2 - Bath - Full - Bath 2 + +This is where the Living Room photo would display. + +This is where the Bath 2 photo would display. + +Level 2 - Bath - Full - Bath 3 + +Level 3 - Bath - Full - Bath 4 + +This is where the Bath 3 photo would display. + +This is where the Bath 4 photo would display. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 9 of 22 + +Unit Interior (continued) + +Level 3 - Bedroom - Top Floor Bedroom + +This is where the Bedroom photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Vehicle Storage + +Storage +Garage + +Number of Parking Spaces +2 + +Detail +Built-in +648 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Material +Composite + +Composite + +Whole Home + +Elevator + +Indoor Fireplace + +Detail +168 Sq. Ft. + +408 Sq. Ft. + +Total Number - 1 + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck - Upstairs Deck + +Deck - Downstairs Deck + +This is where the Upstairs Deck photo would display. + +This is where the Downstairs Deck photo would display. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb.txt b/chunks/txt/68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb.txt new file mode 100644 index 0000000000000000000000000000000000000000..f58df9a28142a7b131ab0b2f993449cd12b15f45 --- /dev/null +++ b/chunks/txt/68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb.txt @@ -0,0 +1,114 @@ +This is where the Carport photo would display. + +This is where the Garage photo would display. + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Water Features + +Whole Home + +Patio + +Porch + +Inground Pool + +Indoor Fireplace + +Wood Stove + +Material +Wood + +Wood + +Concrete + +Concrete + +Concrete + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck - Deck 1 and Deck 2 + +Patio + +Detail +640 Sq. Ft. + +160 Sq. Ft. + +240 Sq. Ft. + +300 Sq. Ft. + +Diving Board + +Total Number - 1 + +Total Number - 1 + +This is where the Decks photo would display. + +This is where the Patio photo would display. + +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 12 of 22 + +Subject Property Amenities (continued) + +Porch + +Inground Pool + +This is where the Porch photo would display. + +This is where the Inground Pool photo would display. + +Indoor Fireplace + +Wood Stove + +This is where the Indoor Fireplace photo would display. + +This is where the Wood Stove photo would display. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition + +C4 +C3 +C4 + +Reconciliation of Overall Quality and Condition + +The exterior was recently painted and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 +given the interior condition of the primary dwelling. diff --git a/chunks/txt/688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634.txt b/chunks/txt/688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d326dd7527c17b8edde933efb6dac98e64f66f6 --- /dev/null +++ b/chunks/txt/688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634.txt @@ -0,0 +1,47 @@ +**​​Related Documents:** + +--- + +[2017 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (12/15/2016)](/sites/default/files/2023-03/2017-Scorecard-for-Fannie-Mae-Freddie-Mac-and-CSS.pdf) + +[2016 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (12/17/15)](/sites/default/files/2023-03/2016-Scorecard.pdf) + +[2015 Scorecard Progress Report (3/3/16)](/sites/default/files/2023-03/progress-report-2015-scorecard.pdf) + +[All Scorecards](/reports/conservatorships-performance-goals-scorecard) + +[All Scorecard Progress Reports​](/reports/conservatorships-progress-report)​ + +[Overview of Fannie Mae and Freddie Mac Credit Risk Transfer Transactions (8/21/15)](/node/3756) + +[FHFA Statements on Credit Risk Transfer](/policy/fhfa-statements-credit-risk-transfer)​​ + +**Enterprise Credit Risk Transfer information:** + +--- + +[Freddie Mac](https://capitalmarkets.freddiemac.com/crt/about) + +​​Fannie Mae + +*Page last updated: April 11, 2024* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee.txt b/chunks/txt/68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..f89512771d27bb0f5e1b6cbe6c7a6b5636e9c601 --- /dev/null +++ b/chunks/txt/68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee.txt @@ -0,0 +1,53 @@ +C4 +C4 +C4 + +Reconciliation of Overall Quality and Condition + +The Overall Quality and Condition matches the Interior Quality and Condition, as well as the Exterior Quality and Condition, since the exterior +and interior are both of the same age. + +Highest and Best Use + +Is the present use of the subject property … + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Highest and Best Use Commentary + +The highest and best use analysis as improved is physically possible and legally permissible based on its current zoning. Analysis of the market +shown below demonstrates that the existing structure as a single family residence is its financially feasible and maximally productive use. + +Market + +Market Area Boundary North: E. Grant Highway, South: E. Temple Ave., East: Chicken Rd., West: 10 Main Ave. + +Search Criteria Description Search Criteria limited by Detached units with a lot size of up to .6 acres and a Finished Area Above Grade +between 2700 and 3300 sq. ft. Additional factors include between 2-4 full bathrooms, 3-5 bedrooms, a basement and a 2 car garage. Searched +between closing dates of 9/30/2017 and 9/30/2019. + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 11 of 21 +Page 11 of 21 + +Market (continued) + +Search Result Metrics + +Active Listings diff --git a/chunks/txt/689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196.txt b/chunks/txt/689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196.txt new file mode 100644 index 0000000000000000000000000000000000000000..6effcb235456c36cc8e9c5a29917179efc4204d4 --- /dev/null +++ b/chunks/txt/689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196.txt @@ -0,0 +1,53 @@ +Application Date: Application Date is +an unchanged HMDA data element that +indicates the date the loan application +was received or the date shown on the +loan application form.114 The +Enterprises collect Application Date. +Because Application Date presents +borrower privacy concerns, the CFPB +intends to exclude it from its public +dataset.115 In conformance with the +CFPB Privacy Guidance, Application +Date will continue to be excluded from +the Single-Family PUDB. + +Property Address: Property Address is + +a new HMDA data element that +indicates the address of the property +securing the loan.116 The Enterprises +collect Property Address. Because +Property Address is uniquely +identifying, the CFPB intends to exclude +it from its public dataset.117 In +conformance with the CFPB Privacy +Guidance, Property Address will +continue to be excluded from the +Single-Family PUDB. + +Credit Score: Credit Score is a new + +HMDA data element indicating the +credit score relied on by the lender to +make the decision on the loan +application.118 Credit Score is currently +published in ranges in the PUDB Single- +Family National File C, in accordance +with FHFA’s statutory requirement to +publish high-cost securitized mortgage +data, which includes data about +borrower creditworthiness.119 The CFPB + +111 12 CFR 1003.4(a)(1)(i). +112 84 FR at 660. +113 Any reported Non-Universal Loan Identifier +(NULI) would also be excluded from the PUDB to +conform to the CFPB Privacy Guidance. Id. + +114 12 CFR 1003.4(a)(1)(ii). +115 84 FR at 660. +116 12 CFR 1003.4(a)(9)(i). +117 84 FR at 663. +118 12 CFR 1003.4(a)(15)(i). +119 12 U.S.C. 4546(d)(2); FHFA 2011 Order, 76 FR diff --git a/chunks/txt/689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495.txt b/chunks/txt/689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c3f1602b08e6e996ae61792bed36c133d6d49b7 --- /dev/null +++ b/chunks/txt/689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495.txt @@ -0,0 +1,75 @@ +ESTIMATED +7 +Source of cost data 9 +Quality rating from cost service + 11 + 10 +Comments on Cost Approach (gross living area calculations, depreciation, etc.) +12 + +Effective date of cost data + +19 + +16 + 20 + +OPINION OF SITE VALUE ....................................................... = $ +........... =$ +Sq. Ft. @ $ +Dwelling 15 +18 +........... =$ +Sq. Ft. @ $ +22 +Garage/Carport 24 +Total Estimate of Cost-New +Functional +Less +Depreciation +=$( + 31 +Depreciated Cost of Improvements............................................ =$ +“As-is” Value of Site Improvements............................................ =$ + +........... =$ +.......... = $ + +Physical + 29 + +External + 33 + +Sq. Ft. @ $ + +25 + +14 + 17 + 21 + 23 + 26 + 27 + +34 + 35 + 36 + +) + +Estimated Remaining Economic Life (HUD and VA only) + +13 + +Years Indicated Value By Cost Approach ............................................ =$ + +37 + +38 +Estimated Monthly Market Rent $ +Summary of Income Approach (including support for market rent and GRM) 41 + +X Gross Rent Multiplier 39 + += $ diff --git a/chunks/txt/689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a.txt b/chunks/txt/689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a.txt new file mode 100644 index 0000000000000000000000000000000000000000..3805c74937c17f69cd8435c7b28befea70a1ff46 --- /dev/null +++ b/chunks/txt/689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a.txt @@ -0,0 +1,102 @@ +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Interior Quality and Condition + +If relevant, for +each +additional +feature + +Required when the +row is included in the +sales comparison grid + +Free-form + +Unit Interior +• + +Interior Feature +Other Description +10.044 (Report +Label) + +Other Interior Feature +Quality Summary +22.08.09 does not +populate from Unit +Interior; the appraiser +must enter information +for the subject property + +No + +If needed to support the quality rating, additional rows may be included +for any features not predefined that were added to the Interior Features +table in the Unit Interior section. + +Example: Other Interior Feature Example in Unit Interior and Sales +Comparison Approach + +Other Interior Feature Quality Summary: A short description +summarizing the quality of the additional feature. Example: Custom +designed high grade + +Notes: +• +• + +If the feature does not exist for the comparable, enter “None”. +If the comparable has an interior feature that the subject does not +have, report as an Additional Row in the Unit(s) subsection +(22.07.15) and not here. + +22.09.10 +22.09.25 + +Condition + +Always + +Always required + +C1 to C6 + +Unit Interior +• + +Interior Condition +Rating 10.035 + +No + +The Interior Condition Rating for the unit provides support for the +Overall Condition Rating. Adjustments are made in the Overall Condition +Rating row. + +22.09.11 +22.09.26 + +Kitchen + +If relevant, for +each kitchen +in the unit + +Required when the +row is included in the +sales comparison grid + +22.09.12 +22.09.27 + +Overall +Bathrooms + +If relevant diff --git a/chunks/txt/68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799.txt b/chunks/txt/68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799.txt new file mode 100644 index 0000000000000000000000000000000000000000..daaabbb1c447ea4ab351b2f8ffb27312dd053efd --- /dev/null +++ b/chunks/txt/68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799.txt @@ -0,0 +1,80 @@ +designed. +Note: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects, +Damages, and Deficiencies (Unit Interior) subsection. + +No Finish + +The feature is missing its final finish. + +Appendix F-1: URAR Reference Guide + +Page 143 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Overall Update Status for Flooring + +The appraiser must identify the overall update status for all flooring in the unit. This information displays in the +Sales Comparison Approach section, if relevant. + +Report +Field ID + +Report Label + +When to Include + +10.049 Overall Update + +Always required + +Status for +Flooring + +Unit Interior: Overall Update Status for Flooring + +Allowable +Answers / Format + +Choose an +allowable answer +from table (Overall +Update Status for +Flooring) + +Definition / Additional Guidance + +Based on the appraiser’s analysis and determination considering the overall +level of updating, the update status of all flooring in aggregate. +• +Fully Updated +• +Significantly Updated +• Moderately Updated +• +Not Updated + +Allowable Answer + +Fully Updated + +Overall Update Status for Flooring (Choose one for the unit) + +Definition / Additional Guidance + +All flooring throughout the living unit has been completely modernized, renovated, refinished, or remodeled and is new or +in like new condition. Note: This includes gut rehabs, new additions, or new construction (3.017). + +Significantly Updated + +A majority, but not all, of the flooring throughout the living unit appears to have been updated. + +Moderately Updated + +Some flooring in the living unit has minor updates and / or minimal modernization with less than a majority of the flooring +appearing to have been updated. +Note: If the unit has one or more types of flooring that are all Partially Updated, choose this answer. diff --git a/chunks/txt/68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7.txt b/chunks/txt/68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..e70803322d8aeb9538be932212d8556174d74af6 --- /dev/null +++ b/chunks/txt/68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/fair-act-inventory" +date_accessed: "2026-01-27T17:48:02.779Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2.txt b/chunks/txt/68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c78b4aeb541f1790a127cad5b2e286149102af0 --- /dev/null +++ b/chunks/txt/68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/fhlb-stress-tests/market-risk-scenarios" +date_accessed: "2026-01-27T17:54:20.632Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba.txt b/chunks/txt/68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba.txt new file mode 100644 index 0000000000000000000000000000000000000000..491f434822a11d4f4b69d8aea34f68033c2b7946 --- /dev/null +++ b/chunks/txt/68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba.txt @@ -0,0 +1,80 @@ +08 Assignment +Information + +2024-002 + +Corrected typo in Lender, Client, and AMC: The client is the party who engages an +appraiser. + +Header and Footer + +2023-061 Updated date in footer to December 2023. + +Overview + +2023-037 + +Best Practices: Corrected section name for Certifications and Intended Use / User. + +03 Itemized List of +Repairs + +04 New Observed +Items for Repair + +08 Assignment +Information + +2023-045 + +Updated the ‘Definition / Additional Guidance’ column for Description (03.003) to clarify +reporting requirements when there is more than one unit. + +2023-045 + +Updated the ‘Definition / Additional Guidance’ column for Description (04.003) to clarify +reporting requirements when there is more than one unit. + +2023-003 Updated Report Label for Supervisory Appraiser Certifications. + +2023-068 + +Clarified that only one contact can be the Client (08.006 / 08.0007). + +2023-037 + +Updated the ‘Definition / Additional Guidance’ column for ID (08.021, 08.036), and +corrected references to ASC and the ASC National Registry. + +06/27/2023 + +1.0 + +Initial publication + +Appendix F-3: Completion Report Reference Guide + +Page 2 of 33 + +Version 1.3 + +Uniform Appraisal Dataset + +Table of Contents + +Table of Contents + +Revision History ................................................................................................................................................................... 2 +Table of Contents................................................................................................................................................................. 3 +Introduction ......................................................................................................................................................................... 4 +Overview ............................................................................................................................................................................. 5 +Header and Footer ............................................................................................................................................................. 10 +01 Subject Property ........................................................................................................................................................... 11 +02 Original Appraisal ......................................................................................................................................................... 13 +03 Itemized List of Repairs ................................................................................................................................................. 14 +04 New Observed Items for Repair .................................................................................................................................... 16 +05 Completion Status ......................................................................................................................................................... 17 +06 Completion Report Commentary .................................................................................................................................. 20 +07 Completion Report Exhibits .......................................................................................................................................... 21 +08 Assignment Information ............................................................................................................................................... 22 +09 Certifications and Intended Use / User ......................................................................................................................... 29 diff --git a/chunks/txt/68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5.txt b/chunks/txt/68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f32d82503e60c87e58a908380e7329a2d7a5962 --- /dev/null +++ b/chunks/txt/68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5.txt @@ -0,0 +1,8 @@ +--- +source_url: "https://singlefamily.fanniemae.com/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution/faqs-ucd-collection-solution" +date_accessed: "2026-01-27T18:02:17.354Z" +--- + +[Skip to main content](#main-content) + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav diff --git a/chunks/txt/68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e.txt b/chunks/txt/68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e.txt new file mode 100644 index 0000000000000000000000000000000000000000..45b5702e7e969327b185c45388eb4a5276eef56d --- /dev/null +++ b/chunks/txt/68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e.txt @@ -0,0 +1,99 @@ + + + + + + + + + + +… + + +UCD v2.0 Implementation Guide + +- 24 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +iii Sale Includes Personal Property + +When personal property is included in the sale, different data points are provided and PersonalPropertyIncludedIndicator += “true”. Instead of SalesContractAmount, two data points—RealPropertyAmount and PersonalPropertyAmount are included +in the XML file. Their sum is used to populate 1.7 Sale Price. + +Figure 17. Rendering Sales Contract Data on the CD when Personal Property is Included in Sale. + +1.0 Closing Information + +Summaries of Transactions .0 + +BORROWER’S TRANSACTION + +11.0 Due from Borrower at Closing + +1.7 Sale Price $240,000.00 + +11.1 Sale Price of Property + +11.2 Sale Price of Any Personal Property +included in Sale + +11.1.1 + +11.1.1 + +$210,000.00 + +$30,000.00 + +Table 12. UCD v2.0 Spec Excerpt-Sales Contract Data when Personal Property is Included in Sale +Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEA +L/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/SALES_CONTRACTS/SALES_CONTRACT/SALES_CONTRACT +_DETAIL + +10.005 + +PersonalPropertyAmount + +30000.00 + +1.025 + +1.023 + +PersonalPropertyIncludedIndicator + +true + +RealPropertyAmount + +210000.00 + +Figure 18. XML File Snippet-Sales Contract Data when Personal Property is Included in Sale. + + + … + + + + + + + + diff --git a/chunks/txt/68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9.txt b/chunks/txt/68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9.txt new file mode 100644 index 0000000000000000000000000000000000000000..a7f3f91f5b449798b513a0ac98388830e43d7c8c --- /dev/null +++ b/chunks/txt/68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9.txt @@ -0,0 +1,113 @@ +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• City + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• USPS two-letter state or territory representation + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• 5-digit ZIP Code or ZIP+4 code + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +This field should contain the entire telephone number, including area code. + +String + +Free text – should contain the appraiser’s email address. + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +UAD Requirement - Refer to Appendix D Appraiser Certification Section +Note: This data is referenced more than once on the form (field 3-133) and must be +represented consistently. + +502 + +6 + +12 + +APPRAISER +CERTIFICATION + +Appraiser +Effective Date of Appraisal + +Appraisal Effective +Date + +Effective date of the appraisal report on +the subject property. + +/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +503 + +504 + +505 + +506 + +507 + +6 + +6 + +6 + +6 + +6 + +13 + +14 + +15 + +16 + +17 + +APPRAISER +CERTIFICATION + +Appraiser +State Certification # + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[ +@_Type=‘Certificate’]/@_Identifier diff --git a/chunks/txt/68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb.txt b/chunks/txt/68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b6d910cd229764f5c446563b919533b6d985432 --- /dev/null +++ b/chunks/txt/68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb.txt @@ -0,0 +1,303 @@ +Public + +Water + +Beneficial + +true + +Full + +GolfCourse + +Neutral + +false + +Full + +Residential + +Residential - Condominium + +RC-1 + +Legal + +44828 Jane Ln + +Anytown + +54321 + +IL + +Driveway + +Asphalt + +4 + +false + +Attached + +Garage + +3 + +0 + +PropertyOwnershipTransferTerms + +0 + +FinancingMethod + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +0 + +ProjectInformation + +0 + +SiteSize + +0 + +NeighborhoodName + +0 + +YearBuilt + +9000 + +NonContinuousFinishedArea + +-15000 + +LivingUnitBedroomCount + +-10000 + +LivingUnitBathroomCount + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +0 + +LivingUnitStandardFinishedAreaBelowGrade + +0 + +LivingUnitUnfinishedAreaBelowGrade + +12500 + +OverallConditionRating + +-2000 + +OutdoorLivingAmenity + +899500 + +NorthEast + +Less + +true + +true + +566 + +1 + +.75 + +-5500 + +false + +false + +ImpactResistantGlass + +ImpactResistantShingles + +true + +Gold + +LEED + +525 + +Monthly + +AssociationDues + +Dwelling + +2017 + +false + +Nylon Short Loop and Engineered Wood + +Flooring + +9 Ft. | Custom + +WallsAndCeiling + +300 + +1600 + +1300 + +false + +5 + +3 + +1 + +C2 + +Q3 + +2 + +Mixture of Tile and Granite + +Commercial Grade Appliances + +Kitchen + +CementBoard + +ExteriorWallsAndTrim + +Basement + +Foundation + +Composition + +Roof + +C2 + +Q3 + +1 + +0 + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\Condo2_Comp1.jpg + +image/jpeg + +21 + +905000 + +SettledSale + +25.165174 + +-51.328126 + +Ducks on the Pond + +Clubhouse + +ClubMembership + +GatedCommunity + +IngroundPool + +Other + +Snow Removal + +TrashRemoval + +Condominium + +XYZ Project + +Deck + +Patio + +Porch + +OutdoorLiving + +2 + +IndoorFireplace + +WholeHome + +0 + +Detached + +1 + +true + +1 + +C2 + +Q3 + +true + +true + +FeeSimple + +true + +false + +false + +true + +2018-03-30 + +905000 + +Sale + +TypicallyMotivated diff --git a/chunks/txt/68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2.txt b/chunks/txt/68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6d7ce10422b9a35213c9177f4b150b1569e2084 --- /dev/null +++ b/chunks/txt/68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2.txt @@ -0,0 +1,59 @@ +PDF Display Format: +Whole numbers only + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-93 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The appraisal report must indicate the square footage in whole numbers only, no +commas. If there is no basement, a value of zero (0) must be entered. + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Square footage, numeric, to 5-digits: 12345 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The appraisal report must indicate the finished square footage in whole numbers only, +no commas. If 0% finished, a value of zero (0) must be entered. + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Square footage, numeric, to 5-digits: 12345 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: + +Enumerated + +Allowable Values PDF Display +WalkOut wo +WalkUp wu +InteriorOnly in + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the number of finished recreation rooms in the basement. diff --git a/chunks/txt/68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4.txt b/chunks/txt/68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8c1e1a19ddd8124615c91ab2f3a6d472aab6387 --- /dev/null +++ b/chunks/txt/68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4.txt @@ -0,0 +1,37 @@ +In a two-closing construction-to-permanent transaction, the permanent mortgage delivered to Fannie Mae +may be closed as: + +• Limited Cash-out Refinance transaction +• Cash-out Refinance transaction. + +The following is a sample of a Two Closing, Limited Cash-Out Refinance Construction-to-Permanent +transaction. For the complete XML and full URLA forms please refer to test case DI-C06. + +“L1. Property and Loan Information” of the Lender Loan Information URLA and the related XML. + +24 + +In a Two Closing transaction no value is sent in the XML or shown on the form in section “L4 Line A. Sales +Contract Price”. Rather, the $145,000 financed construction cost is reflected on “Line D. For +Refinance: Balance of Mortgage Loan”, as a payoff of the interim construction loan. In the XML the +$145,000 amount is reflected as a payoff of “LIABILITY_1” where LiabilityPayoffStatusIndicator = +“true”, and in the LIABILITY_SUMMARY as TotalSubjectPropertyPayoffsAndPaymentAmounts. + +25 + +15. What data related to Maintenance Expenses needs to be provided to make sure that the “Debt-to- + +Income” (DTI) ratio and “All Other Payments” values are calculated correctly in the DU +Findings for Second Home and Investment loan transactions? + +For Conventional loans DU includes the OwnedPropertyMaintenanceExpenseAmount (UID 6.0094) from +the relevant Owned Property in “All Other Payments”. + +16. On an FHA refinance loan, how should we inform DU that the existing loan on the subject + +property is an FHA loan? + +On a refinance transaction the OWNED_PROPERTY ASSET record for the subject property +(OwnedPropertySubjectIndicator UID 5.0130 =“true”) will have an associated mortgage loan liability. +In that liability the LIABILITY_DETAIL container must have the MortgageType = “FHA”. When the +MortgageType = “FHA”, DU will know this transaction is a refinance of an existing FHA loan. diff --git a/chunks/txt/690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c.txt b/chunks/txt/690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fe00b984e9fdf3aa4e32f4212ad42cdf64f246e --- /dev/null +++ b/chunks/txt/690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c.txt @@ -0,0 +1,14 @@ +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page iv of 76 + +F.  Additions: The EXTENSION Container .............................................................................. 35 +G.  Container-Specific Concepts: Loan State and Loan Role................................................ 35 +1. Definitions..................................................................................................................... 35 +2. Loan States and Loan Delivery................................................................................... 36 +H.  Container-Specific Concepts: Adjustment........................................................................ 42 +1. Index_Rules / Index_Rule............................................................................................. 44 +2. Lifetime_Adjustment_Rule........................................................................................... 44 +3.   CONVERSION_OPTION_PERIOD_ADJUSTMENT RULES / diff --git a/chunks/txt/690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a.txt b/chunks/txt/690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a.txt new file mode 100644 index 0000000000000000000000000000000000000000..2451d8ea155949cd231662c863a1081aa0f763ed --- /dev/null +++ b/chunks/txt/690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a.txt @@ -0,0 +1,72 @@ +Desktop Underwriter Validation Service Integration Impact Memo +March update + +March 6, 2024 + +On March 29, 2024, Fannie Mae will update the Desktop Underwriter® (DU®) validation service as described in the DU validation +service Release Notes also published on March 6, 2024. + +Please review the following Integration Impact Memo to ensure that your integrated system(s) will be prepared to support the +release. + +This update will introduce new messages and modify existing messages related to the DU validation service that may be returned +for new casefiles created on or after March 29, 2024. Integrated systems that parse the DU Codified Findings +(UNDERWRITING_FINDINGS_XML), DU Underwriting Findings report data file (RES), or DU Message API response file (JSON) may +require updates to support the message changes. A summary of the expected message changes is included below to assist with +impact assessment. + +New Messages +6 + +Modified Messages +7 + +Retired Messages +0 + +Integrated systems that receive and display the DU Underwriting Findings report TXT file, HTML, and/or PDF files should not be +impacted since these files are for display purposes only and parsing is not supported. + +DU Underwriting Findings – New DU Validation Service Messages + +DU will implement business rules to trigger several new DU validation messages in the DU Underwriting Findings Report, when +applicable. + +Message +Status + +Message +Identifier + +Message Severity +Type Code + +Message Category +Type Code + +New + +3101 + +VERIFICATION + +EMPLOYMENT & +INCOME + +Message +Type + +Fixed + +New + +3103 + +VERIFICATION + +EMPLOYMENT & +INCOME + +List + +Lender Text diff --git a/chunks/txt/6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81.txt b/chunks/txt/6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81.txt new file mode 100644 index 0000000000000000000000000000000000000000..2229b87e5db9cfa97d00f0746010bf348a058a21 --- /dev/null +++ b/chunks/txt/6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81.txt @@ -0,0 +1,82 @@ +This field may not exist in all forms +vendor software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. + +112 + +PRIOR SALE +HISTORY + +Analysis of prior sale or transfer +history of the subject property +and comparable sales. + +GSE Prior Sale +Comment + +Analysis of the prior sale(s) of the subject +and comparable sales. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR_SALES/P +RIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Exte +nsionSectionOrganizationName +='UNIFORM APPRAISAL DATASET']/ +PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa +leComment + +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +4a + +HEADER + +BLANK + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. + +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +50 + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. diff --git a/chunks/txt/691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd.txt b/chunks/txt/691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd.txt new file mode 100644 index 0000000000000000000000000000000000000000..c81c6adfe5c9fa11c3ca6beee613ac6c5b55372f --- /dev/null +++ b/chunks/txt/691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd.txt @@ -0,0 +1,199 @@ +115 + +60 +62 +64 +66 +68 +70 +72 +74 +76 +78 +80 +82 +84 +86 +87 +91 +93 +95 +97 +99 +101 +103 +105 +107 +109 +111 +113 +$ 116 + +$ 117 + +59 +e-26; e-27; e-28 + +e-29; e-30; e-31 + +e-14; e-15; e-16 +67 +69 +71 +73 +75 +e-5; e-6; e-7 +79 +81 +e-17; 83 +85 +Total Bdrms. Baths +88 + +90 +92 sq. ft. + +89 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +98 +100 +102 +104 +106 +108 +110 +112 + + - +115 +114 +Net Adj. 116a % +Gross Adj. 116b % + +60 +62 +64 +66 +68 +70 +72 +74 +76 +78 +80 +82 +84 +86 +87 +91 +93 +95 +97 +99 +101 +103 +105 +107 +109 +111 +113 +$ 116 + +$ 117 + +59 +e-26; e-27; e-28 + +e-29; e-30; e-31 + +e-14; e-15; e-16 +67 +69 +71 +73 +75 +e-5; e-6; e-7 +79 + 81 +e-17; 83 +85 +Total Bdrms. Baths +88 + +90 +92 sq. ft. + +89 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +98 +100 +102 +104 +106 +108 +110 +112 + + - +115 +114 +Net Adj. 116a % +Gross Adj. 116b % + ++(-) $ Adjustment +60 +62 +64 +66 +68 +70 +72 +74 +76 +78 +80 +82 +84 +86 +87 +91 +93 +95 +97 +99 +101 +103 +105 +107 +109 +111 +113 +$ 116 + +$ 117 + +Total Bdrms. Baths Total Bdrms. Baths +33 + +88 + +89 + +90 +92 sq. ft. + +Indicated Value by Sales Comparison Approach $ 119 + +Estimated Monthly Market Rent $ 120 +X Gross Rent Multiplier 121 = +Summary of Income Approach (including support for market rent and GRM) 123 + +$ 122 + +Indicated Value by Income Approach + +INCOME APPROACH TO VALUE (not required by Fannie Mae) diff --git a/chunks/txt/693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7.txt b/chunks/txt/693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7.txt new file mode 100644 index 0000000000000000000000000000000000000000..53a87c77924ec25dc2eb5024b5a81cfd09cbe508 --- /dev/null +++ b/chunks/txt/693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7.txt @@ -0,0 +1,32 @@ +The majority of our requirements are competed using GSA schedules and competitive GWACs because these are streamlined instruments including price lists and pre-negotiated terms. + +These instruments help meet our contracting needs because they are more efficient and include a diverse mix of firms including small businesses and other special category firms. + +Firms that are interested in doing significant business with FHFA should learn more about GSA schedules and GWACs.​ + +## For More Information + +- [FHFA's Acquisition Policy - June 27, 2011 [PDF]](/sites/default/files/2023-02/FHFA_Policy_503_Acquisition%20Policy_062711_N508.pdf) +- [SAM.gov Web Page​​​​​](https://sam.gov/content/home) + +*Last updated: October 30, 2025* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992.txt b/chunks/txt/693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6b78d260b7ff58a11a973c096bba91d63798b3f --- /dev/null +++ b/chunks/txt/693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992.txt @@ -0,0 +1,32 @@ +• + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 97 of 166 + +UAD 3.6 Policy + +subdivision, or PUD in lieu of one settled sale. The appraiser must also use at least three settled comparable sales from +projects, subdivisions, or PUDs outside of the subject project, subdivision, or PUD. + +If the subject property is part of a newly built or recently converted condo project, subdivision, or PUD that has 2-20 units and +there are no settled or pending sales, the appraiser may use comparable sales from a competing project, subdivision, or PUD. The +requirements in the following table apply. + +✓ + +The appraisal report must… + +Use competing projects, subdivisions, or PUDs of a similar size and type. + +Explain why the comparable sales were chosen and demonstrate market acceptance. + +Describe how the condo project, subdivision, or PUD chosen compares to the subject property. + +Note: If the subject property is not the first unit under contract in the condo project, subdivision, or PUD, the appraiser must +include one under contract sale from the subject's project, subdivision, or PUD as support. + +To meet the requirement that the appraiser utilize one comparable sale from inside the subject project, subdivision, or PUD, the +appraiser may need to rely solely on the builder of the property they are appraising, as this data may not yet be available through +typical data sources (for example, public records or multiple listing services). In this scenario, it is acceptable for the appraiser to +verify the transaction of the comparable sale by viewing a copy of the settlement statement from the builder’s file. diff --git a/chunks/txt/69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6.txt b/chunks/txt/69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..5477e6bccd43b9e04aa7bfe3500f2b50817361d2 --- /dev/null +++ b/chunks/txt/69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6.txt @@ -0,0 +1,43 @@ +• Data Point XPATH +• Parent Container +• Data Point Name +• Data Point Definition +• Valid Enumerations accepted by DU +• Data Format + +MISMO v3.4 Attribute Information Columns +The Attribute columns provide additional information about the behavior of the MISMO containers (i.e. +repeating containers for multiple instances, etc.) and are not considered part of the data point mappings. + +The basic building blocks of the XML schema are data points and attributes. An attribute is used to add a +unique label to a container or data point and its values must be in quotation marks. The DU Spec contains +a list of attributes that is a subset of all available attributes in MISMO. For more information, refer to the +attribute columns (MISMO v3.4 Attribute Name, MISMO v3.4 Attribute Definition, and MISMO v3.4 +Attribute Usage Description) under the ULAD Mapping document or the DU Spec. + +Conditionality Information Columns +These columns contain the conditionality for the following types of Loan Application Submission files for +DU: + +• DU (Conventional) +• FHA (Government) +• VA (Government) +• Credit +• EarlyCheck + +Note: The conditionality for each of the data points has been listed in separate columns for clarity +and ease of use for the different products. + +The conditionality statements are considered “pseudo code” and should not be used for production code. +The conditionality statements illustrate the expected behavior of conditional data points. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +10 + +Implementation Information Columns +These columns contain information, in addition to the conditionality for each data point, about the usage +and expected behavior for the data points and are grouped in two categories: (1) DU, Credit Request, and +EarlyCheck; (2) FHA, VA. diff --git a/chunks/txt/6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20.txt b/chunks/txt/6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20.txt new file mode 100644 index 0000000000000000000000000000000000000000..8cbad1aa7936e69c1d64c0789958dc9b6d9b3ddd --- /dev/null +++ b/chunks/txt/6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20.txt @@ -0,0 +1,52 @@ +A. Multifamily Borrower and Co- +Borrower Race or National Origin; +Multifamily Borrower and Co-Borrower +Ethnicity; and Multifamily Borrower and +Co-Borrower Gender + +FHFA considered adding new HMDA +data fields to the PUDB that would have +identified multifamily borrower and co- +borrower race or national origin, +multifamily borrower and co-borrower +ethnicity, and multifamily borrower and +co-borrower gender. Both Fannie Mae +and Freddie Mac commented that they +do not collect race, national origin, +ethnicity, or gender for their +multifamily loan purchases since the +vast majority of their multifamily +mortgage business involves non-natural +persons (e.g., limited liability +companies, corporations). Freddie Mac +stated that HMDA does not require these +data elements to be reported for loans +involving a borrower or applicant that is +not a natural person (citing to 12 CFR +part 203, App. A at I.D.1), or by +secondary market loan purchasers +(citing to 12 CFR 203.4(b)(2)). In +addition, both Fannie Mae and Freddie +Mac claimed that collecting such data +would involve considerable expense +and significant additional work and +resources. Freddie Mac requested that +FHFA consider these data elements to +be optional and reportable as ‘‘not +applicable’’ in accordance with HMDA +reporting requirements for purchased +loans. + +Since the Enterprises are not currently +collecting these data, and the data point +is not a HMDA data element for the +great majority of multifamily loans that +the Enterprises purchase, as to which +the borrowers are non-natural persons, + +and collecting the data would impose a +substantial additional burden on the +Enterprises while they are in +conservatorship, FHFA is not requiring +the Enterprises to collect and report +these data for inclusion in the PUDB. diff --git a/chunks/txt/695703d01b6a35e27595b83b11f94037da06ab914d2c90a375d78b01e9380b9e.txt b/chunks/txt/695703d01b6a35e27595b83b11f94037da06ab914d2c90a375d78b01e9380b9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c36014f73259b4147b32c4ab311de396c123fa79 --- /dev/null +++ b/chunks/txt/695703d01b6a35e27595b83b11f94037da06ab914d2c90a375d78b01e9380b9e.txt @@ -0,0 +1,186 @@ +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• City +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• USPS two-letter state or territory representation +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• 5-digit ZIP Code or ZIP+4 + +String + +String + +String + +String + +String + +String + +This field should be populated if there is a +supervisory appraiser. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +R + +R + +R + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 168 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +524 + +525 + +526 + +527 + +528 + +529 + +530 + +531 + +532 + +533 + +534 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +33 + +34 + +35 + +36 + +37 + +38 + +39 + +40 + +41 + +42 + +43 + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Date of Signature diff --git a/chunks/txt/69668b5e35a05a1a3474518ab905c463c5b0bd57294f0713d3443ea0c777a613.txt b/chunks/txt/69668b5e35a05a1a3474518ab905c463c5b0bd57294f0713d3443ea0c777a613.txt new file mode 100644 index 0000000000000000000000000000000000000000..c285dbd37c6c5db8446bcc46d373d38e0654bb75 --- /dev/null +++ b/chunks/txt/69668b5e35a05a1a3474518ab905c463c5b0bd57294f0713d3443ea0c777a613.txt @@ -0,0 +1,93 @@ +23.03.48 + +Comparable +Weight + +Always + +Always required + +Choose an +allowable answer +from table +(Comparable +Weight) + +Comparable Weight is +only applicable to +comparables + +Allowable Answer + +Definition / Additional Guidance + +Comparable Weight – Choose one answer for each Comparable + +• + +• + +Most + +Less + +No Weight + +The contribution of the comparable unit was given more or most emphasis compared to other comparable units. + +The contribution of the comparable unit was given less emphasis than comparable units weighted as Most. + +The comparable unit was included but given no weight. +Examples: +• + +The comparable unit is similar to the subject unit, but was given no weight due to extenuating circumstances, such as +a model match that was not a typical market lease. +To show support for a property characteristic of the subject, when the comparable overall is not considered a reliable +indicator of the market. + +• + +Appendix F-1: URAR Reference Guide + +Page 300 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Rental Analysis Commentary + +The Rental Analysis Commentary subsection always displays. + +Rental Information – Rental Analysis Commentary + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +23.04.01 Rental Analysis + +Always required + +Free-form + +Commentary + +Definition / Additional Guidance + +Report additional details and analysis to support conclusions, including how +Comparable Weight was determined. + +Rental Information Exhibits + +All photos or images related to the Rental Information section are displayed in the Rental Information Exhibits subsection. If there are no photos or +images, this subsection does not display. diff --git a/chunks/txt/696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e.txt b/chunks/txt/696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e.txt new file mode 100644 index 0000000000000000000000000000000000000000..d589d363f74c7639796cc0750fa1670ca30892ec --- /dev/null +++ b/chunks/txt/696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e.txt @@ -0,0 +1,3 @@ +© 2024 Fannie Mae + +11.20.24 1 of 1 diff --git a/chunks/txt/6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c.txt b/chunks/txt/6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ff130d7d09260114b84d1528be58bfc65ff69c2 --- /dev/null +++ b/chunks/txt/6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c.txt @@ -0,0 +1,195 @@ +Off-site Improvements—Type +Street 114 +Alley 117 + +Public Other (describe) + 110 +109 + 113 +112 + +Water +Sanitary Sewer + +FEMA Map Date 124 + +FEMA Map # 123 + +118 + +121 + +108 + +128 + +125 + +129 + +Public Private +115 + +116 + +119 + +Data source(s) for project information 131 +Project Description Detached Row or Townhouse Garden Mid-Rise High-Rise Other (describe) 138 +132 + +137 + +136 + +135 + +134 + +133 +General Description + +General Description + +Subject Phase + +If Project Completed + +If Project Incomplete + +# of Stories 139 +# of Elevators 140 + Existing Proposed +142 +141 + Under Construction +143 +Year Built e-8; 144 +Effective Age 145 +Project Primary Occupancy +Is the developer/builder in control of the Homeowners’ Association (HOA)? Yes No +Management Group – Homeowners’ Association Developer Management Agent – Provide name of management company. 178 +177 + +158 +# of Phases +159 +# of Units +160 +# of Units for Sale +161 +# of Units Sold +162 +# of Units Rented +# of Owner Occupied Units 163 + +152 +# of Units +153 +# of Units Completed +154 +# of Units For Sale +155 +# of Units Sold +156 +# of Units Rented +# of Owner Occupied Units 157 + +Exterior Walls 146 +Roof Surface 147 +Total # Parking 148 +Ratio (spaces/units) 149 +Type 150 +Guest Parking 151 + Principle Residence +170 + +Second Home or Recreational Tenant +171 + +172 + +174 + +175 + +176 + +173 + +164 +# of Planned Phases +165 +# o f Planned Units +166 +# of Units for Sale +167 +# of Units Sold +168 +# of Units Rented +# of Owner Occupied Units 169 + +S +U +B +J +E +C +T + +C +O +N +T +R +A +C +T + +N +E +I +G +H +B +O +R +H +O +O +D + +P +R +O +J +E +C +T + +S +I +T +E + +P +R +O +J +E +C +T + +I +N +F +O +R +M +A +T +I +O +N + +Does any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project? Yes No If Yes, describe 181 diff --git a/chunks/txt/69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77.txt b/chunks/txt/69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77.txt new file mode 100644 index 0000000000000000000000000000000000000000..214e4f781928af435461b366207f552b040cdcc9 --- /dev/null +++ b/chunks/txt/69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77.txt @@ -0,0 +1,15 @@ +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Single-Family Market Engagement Team, and +mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration Impact +Memo will be posted on the Technology Integration page. + +© 2025 Fannie Mae. + +11.5.25 + +2 of 2 diff --git a/chunks/txt/69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8.txt b/chunks/txt/69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8.txt new file mode 100644 index 0000000000000000000000000000000000000000..96d9fabc410461d2f24a88b4cc843fb9b7150a9d --- /dev/null +++ b/chunks/txt/69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8.txt @@ -0,0 +1,121 @@ +Vehicle Storage +• + +Driveway Surface +Material 13.003 + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +22.13.01 +22.13.05 + +Type | Spaces +| Detail + +Always + +If relevant when +Vehicle Storage Type is +Carport or Garage + +Number of square +feet + +Vehicle Storage +• + +Vehicle Storage +Area 13.003 when +Vehicle Storage +Type is Carport or +Garage + +No + +No + +No + +No + +No + +No + +10 or More Parking Spaces +• + +Select Yes if the driveway or shared driveway has 10 or more +parking spaces. In this case, “10 or More” displays. +Select No if the driveway or shared driveway has less than 10 +parking spaces, and provide the number of parking spaces. + +• + +Dedicated Parking Spaces: The number of parking spaces dedicated to +the property within the indicated Vehicle Storage Type. A parking space +is defined as the area that accommodates a vehicle. + +Note: Half spaces are accounted for in the overall size reported as +Vehicle Storage Area (22.13.01, 22.13.05), not as a parking space. + +Parking Space Assignment Type: The ownership rights to the parking +space(s). +• +• +• + +Assigned +Owned +Unassigned + +Vehicle Storage Attachment Type: The way that the indicated vehicle +storage is attached to the dwelling. +• +• +• + +Attached +Built-in +Detached + +Driveway Surface Material: The predominant driveway surface material. +• +• +• +• +• +• +• + +Asphalt +Brick +Concrete +Cobblestone +Dirt +Gravel +Other (Describe) + +Vehicle Storage Area +Provides support for the Vehicle Storage adjustment. For the +comparables, Vehicle Storage Area may be included if relevant or to +provide additional context. diff --git a/chunks/txt/69b73572321e577af5db383f1dd8d922df16d93e7d92c07cd617932eae36b029.txt b/chunks/txt/69b73572321e577af5db383f1dd8d922df16d93e7d92c07cd617932eae36b029.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4a3283a1fea4d2ad90a26993e1b16c5a0d882e0 --- /dev/null +++ b/chunks/txt/69b73572321e577af5db383f1dd8d922df16d93e7d92c07cd617932eae36b029.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17661","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192.txt b/chunks/txt/69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192.txt new file mode 100644 index 0000000000000000000000000000000000000000..a6de2bf40a3cdf88db3f9751b172803b317c04b4 --- /dev/null +++ b/chunks/txt/69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192.txt @@ -0,0 +1,49 @@ +The day data type provides the capability to capture the +day of a month. The DD (day) value must include three +dashes prior to the two digit number. For instance, the +fifteenth day of the month must be sent as: ---15. + +The enumerated data type represents a list of predefined +values, and applies to term names ending in Type, +Description, Code, and Identifier (in some cases). For a +complete list of supported enumerated values, refer to +Appendix A: Fannie Mae XML Data Requirements. +The numeric data type represents whole numbers only. +The numeric value should not contain commas (,) or +decimals (.). +The percent data type represents arbitrary precision +decimal numbers. For each decimal field, the total and +fraction digits are specified. For instance, (3.4) states that +the total digits can be no more than 3 and the fraction +digits can be no more than 4. For example, the following +values would be acceptable: (95.65) (1.55) (.3601) (999). +Refer to the implementation notes provided in Appendix A: +Fannie Mae XML Data Requirements. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 18 of 22 + +Data Format + +Format + +Comments + +String + +Year + +YYYY + +The string data type represents character strings in a loan +delivery XML file. Each string field has a maximum +character limit specified. There are several data points +(e.g., PostalCode, ContactPoint TelephoneValue, and +TaxpayerIdentifierValue) that should not contain (-) +dashes in the data value. Refer to Appendix A: Fannie +Mae XML Data Requirements for a complete list. + +The year data type provides the capability to capture the +four digit year only. This data type must use the YYYY +(year) format. For example: 2010. diff --git a/chunks/txt/69c032c1c28659bf51c5aa0238ea46863bb970693d5a760a6b896d385d9a0953.txt b/chunks/txt/69c032c1c28659bf51c5aa0238ea46863bb970693d5a760a6b896d385d9a0953.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2bf1ee3b1f314ff8d2647a79f066a1581ef0328 --- /dev/null +++ b/chunks/txt/69c032c1c28659bf51c5aa0238ea46863bb970693d5a760a6b896d385d9a0953.txt @@ -0,0 +1,30 @@ +13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +13. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)] +provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to +perform the assistance. + +14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +15. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. + +Description of Prior Services: + +Additional Appraiser Certifications + +Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +1. + +Supervisory Appraiser Certifications + +The Supervisory Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. diff --git a/chunks/txt/69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60.txt b/chunks/txt/69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60.txt new file mode 100644 index 0000000000000000000000000000000000000000..4263c8a9b54dc45f5ac6515979fa4bdf1f8f401f --- /dev/null +++ b/chunks/txt/69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60.txt @@ -0,0 +1,25 @@ +Page 6 + +Introduction + +The Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted electronically through the Uniform +Collateral Data Portal® (UCDP®). At the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-sponsored +enterprises or GSEs) jointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization (MISMO®) Reference Model +2.6, providing consistent data standards for the loans the GSEs purchase. + +The dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization in the appraisal +process and the mortgage industry. + +Standardizing the data was critical to evaluating risk at a macro level in the Legacy UAD. The new dataset will take this advancement even further by: + +• Creating consistent enumerated fields. +• Keeping the related data together in each section for an easy-to-read report. +• Conditionality driving what sections appear on the final output, eliminating the need for multiple forms to support different property and assignment + +types. + +The updated UAD will help the appraiser more accurately report the characteristics of the subject property and comparables, be more scalable and flexible +than the Legacy forms, help appraisers comply with the Uniform Standards of Appraisal Practice (USPAP), and better define the Scope of Work. + +In addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is outdated and no longer supported by +MISMO. As part of this update, the UAD will conform to the latest MISMO Reference Model (3.6). diff --git a/chunks/txt/69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed.txt b/chunks/txt/69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..f586a9d6303a40a65f5a7c71af52e267f8a36125 --- /dev/null +++ b/chunks/txt/69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed.txt @@ -0,0 +1,37 @@ +If there are minor conditions or deferred maintenance items to be remedied or completed after closing, the +lender may escrow for these items at its own discretion and sell the loan to Fannie Mae prior to the release of +the escrow if the lender can ensure these items do not affect the soundness or structural integrity of the +property. + +Lenders must ensure the escrow account is a custodial account that satisfies Fannie Mae’s criteria for custodial +accounts and depositories as outlined in Servicing Guide, A4-1-02, Establishing Custodial Bank Accounts. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 68 of 166 + +UAD 3.6 Policy + +✓ + +Requirements for Existing Construction +When There are Conditions that Affect the Soundness or Structural Integrity of the Property and +Incomplete Items + +When an appraisal is required and there are: + +• defects, damages, or deficiencies affecting the soundness or structural integrity of the dwelling + +including, but not limited to, foundation settlement, water seepage, infestation, active roof leaks, worn +roof shingles, inadequate electrical service, or plumbing fixtures, etc., or +incomplete items including, but not limited to, remodeling or renovation(s) (e.g., unfinished kitchen, +bathroom(s) or addition(s)), + +• + +the appraisal must be "subject to" completion of the specific repairs or incomplete items. Incomplete items or +physical deficiencies affecting soundness or structural integrity may also be identified through the property data +collection process. See SB4-1.4-11, Value Acceptance + Property Data for more information. + +In all cases, the lender must verify completion before the loan is sold to Fannie Mae. See Completion Report and +Completion Alternatives above for the specific requirements. diff --git a/chunks/txt/69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935.txt b/chunks/txt/69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8ec413050e38f4ffb80178077c53a8cad3a1140 --- /dev/null +++ b/chunks/txt/69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935.txt @@ -0,0 +1,105 @@ +11 + +Enumerated + +Allowable Values PDF Allowable Values +Active Active +Expired e +Withdrawn w +Contract c +SettledSale s + +395 + +3 + +e-30 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Short Date +Description + +The MMYY of the associated comparable +status. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DATE_EXTENSION/COMPARISON_DATE_EXTENSION_SECTION[@Ext +ensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DATE_EXTENSION_SECTION_DATA/OFFERI +NG_DISPOSITION/@GSEShortDateDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEContractDateUnknownIndicator + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Contract Date +Unknown Indicator + +Indicates if the contract date is +unavailable for a comparable settled sale. + +396 + +397 + +3 + +3 + +e-31 + +64 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='DateOfSale']/@_Amount + +398 + +3 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +(Overall Rating) + +GSE Overall +Location Rating +Type + +The overall rating of the location +associated with the property. diff --git a/chunks/txt/69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a.txt b/chunks/txt/69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a.txt new file mode 100644 index 0000000000000000000000000000000000000000..fe9eaba702edb7050047f5fae95cb7097777bbd5 --- /dev/null +++ b/chunks/txt/69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a.txt @@ -0,0 +1,152 @@ +10.7.2 Final + +10.7 Seller Credits + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +0.00 + +ROF as “$0” + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +2500.00 + +ROF as “-$2,500.00” + +SellerCredits + +ROF as “Seller +Credits” + +Eighth Instance of CASH_TO_CLOSE_ITEM + +10.8.3 Did this change? + +…/CASH_TO_CLOSE_I +TEM + +IntegratedDisclosure +CashToCloseItemAm +ountChangedIndicato +r + +true + +ROF as “YES” + +10.8.4 If yes… + +10.8.1 Loan Estimate + +10.8.2 Final + +10.8 Adjustments and + +Other Credits + +IntegratedDisclosure +CashToCloseItemCha +ngeDescription + +See details in +Sections K & L + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +0.00 + +ROF as “$0” + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +1035.04 + +ROF as “-$1,035.04” + +AdjustmentsAndOthe +rCredits + +ROF as “Adjustments +and Other Credits” + +Ninth Instance of CASH TO CLOSE ITEM + +10.9.1 Cash to Close Loan +Estimate + +…/CASH_TO_CLOSE_I +TEM + +10.9 Cash to Close + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +16054.00 + +ROF as “$16,054.00” + +CashToCloseTotal + +ROF as “Cash to +Close” + +Tenth Instance of CASH TO CLOSE ITEM + +10.9.2 Final + +…/CASH_TO_CLOSE_I +TEM + +10.9 Cash to Close Final + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +14147.26 + +ROF as “$14,147.26” + +CashToCloseTotal + +ROF as “Cash to +Close” + +Appendix E: UCD Implementation Guide + +Page 154 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.A Alternative Calculating Cash To Close Table + +1. MAPPI NG GUI DANCE diff --git a/chunks/txt/69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba.txt b/chunks/txt/69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6d536b4171a8e35d7c09b15a17e1765a717eebc --- /dev/null +++ b/chunks/txt/69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba.txt @@ -0,0 +1,42 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - [Dashboards](/data/dashboard) + - Enterprise Multifamily Public Use Database Dashboard + +# Enterprise Multifamily + +Public Use Database Dashboard + +*, *::before, *::after { box-sizing: border-box !important; scroll-behavior: smooth !important; } *::before, *::after { font-family: "Segoe UI", "Arial", "Helvetica", "Tahoma", "Verdana", "sans-serif" !important; } #sidebarMenu { position: relative; top: 0; height: calc(100vh + 650px); overflow-y: auto; /* Scrollable contents if viewport is shorter than content. */ box-shadow: 0 2px 5px 0 rgb(0 0 0 / 5%), 0 2px 10px 0 rgb(0 0 0 / 5%); } #dashboard, #dateTableView { box-shadow: 0 10px 20px 0 rgba(0, 0, 0, .05); } .custom-tooltip { --bs-tooltip-bg: var(--bs-primary); --bs-tooltip-opacity: 100%; } .col-lg-2, .col-md-2 { flex: 0 0 auto; width: 20%; } .col-lg-10, .col-md-10 { flex: 0 0 auto; width: 80%; } #content1::after { content: "\a"; white-space: pre; } #dtTable_filter label input[type="search"] { border: 1px solid #ced4da; border-radius: .375rem; float: none; } Documentation - Please see [PUDB documentation](https://www.fhfa.gov/data/public-use-database-fannie-mae-and-freddie-mac) diff --git a/chunks/txt/69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236.txt b/chunks/txt/69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236.txt new file mode 100644 index 0000000000000000000000000000000000000000..1de5f0d0eb1bfd6fa74b40dd3f8412f309e72410 --- /dev/null +++ b/chunks/txt/69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236.txt @@ -0,0 +1,65 @@ +445000 + +true + +false + +false + +Mineral rights not included, typical for the area. + +false + +true + +false + +false + +Refinance + +AppraiserSupervisor + +I have not performed any service regarding the subject property within the three years preceding the agreement to perform this assignment. + +PropertySpecialTaxAssessments + +Special assessment is for grading the road surface, condition and utility comparable to other competing properties resulting in no impact to value. + +PropertyNonResidentialUses + +Board fencing around entire property to the barn. + +Neutral + +ZoningCompliance + +Neutral + +Market + +This rural market has lake front dwellings that vary in type of construction. There are distressed properties currently listed. These properties represent the low limit of the area price range. + +Site + +The subject's site consists of two parcels, one being smaller, non-buildable site with water frontage across the street from remaining site where the improvements are. + +Assignment + +Jennifer James and Jennifer Jones are the same person with a last name change. + +SiteViews + +Wooded views are typical in the market. High voltage power lines easement at edge of property can be viewed during winter months. + +SiteInfluences + +The water frontage has a positive impact on value and offsets the negative factors from the power lines. The landfill impacts a broader area and affects many homes. + +HighestAndBestUse + +The property is outside the city limits and all types of single family development is allowed. + +ComparablesPriorSalesAndTransferHistory + +Comparable 2 was sold via a short sale, the manufactured home has been completely remodeled and was listed and resold on the open market. diff --git a/chunks/txt/69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d.txt b/chunks/txt/69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d.txt new file mode 100644 index 0000000000000000000000000000000000000000..77c479ffb482790981ca1c6ee5a63657912d518f --- /dev/null +++ b/chunks/txt/69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d.txt @@ -0,0 +1,213 @@ +Should conform to USPS (Pub 28). The following address elements should be +included in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +• Address unit designator and number (if applicable) + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 166 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +494 + +495 + +496 + +497 + +498 + +499 + +500 + +501 + +502 + +503 + +504 + +505 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +8a + +8b + +8c + +9 + +10 + +11 + +12 + +13 + +14 + +15 + +17 + +18 + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +APPRAISER +CERTIFICATION +APPRAISER +CERTIFICATION + +Appraiser +Telephone Number +Appraiser +Email Address + +Appraiser City + +The city in which the address of the +appraiser is located. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_City + +Appraiser State + +The state in which the address of the +appraiser is located. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_State + +Appraiser Postal +Code + +The postal code (zip code in US) of the +address of the appraiser. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_PostalCode + +Contact Point Value + +Contact Point Value + +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. diff --git a/chunks/txt/69f32da914824f23cb419b03e1b8360c3a0c9e635cb93bd63ebcad83c04a6f4d.txt b/chunks/txt/69f32da914824f23cb419b03e1b8360c3a0c9e635cb93bd63ebcad83c04a6f4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4b6a0ec7fbc3138d305dbd216ac4f0349b545925 --- /dev/null +++ b/chunks/txt/69f32da914824f23cb419b03e1b8360c3a0c9e635cb93bd63ebcad83c04a6f4d.txt @@ -0,0 +1,9 @@ +[UAD PUF D​ata Documentation](/document/uad-puf-2.1-data-documentation.pdf)(2/4/2025) + +## Datasets + +### Enterprise UAD PUF + +Enterprise 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 + +FHA Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_annual_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_annual_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_annual_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_annual_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_annual_v1_0_dta.zip) 10/28/2024 **Combined Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_combined_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_combined_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_combined_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_combined_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_combined_v1_0_dta.zip) 10/28/2024 diff --git a/chunks/txt/69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304.txt b/chunks/txt/69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304.txt new file mode 100644 index 0000000000000000000000000000000000000000..034c4f317649adf293762760e72c8b61bf8fec90 --- /dev/null +++ b/chunks/txt/69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304.txt @@ -0,0 +1,34 @@ +​Chairman Brower and members of the Committee, thank you for the opportunity to appear before you today to address Senate Bill 306, which makes certain revisions to the Uniform Common Interest Ownership Act as adopted in Nevada. SB 306 makes important changes to the law regarding the appropriate... + - Testimony + +December 10, 2013 + +## [Housing Finance Reform: Fundamentals of Transferring Credit Risk in a Future Housing Finance System](/news/testimony/housing-finance-reform-fundamentals-of-transferring-credit-risk-in-a-future-housing-finance-system) + +Statement of Wanda DeLeo, Deputy Director, Division of Conservatorship Federal Housing Finance Agency Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs December 10, 2013 Chairman Johnson, Ranking Member Crapo, and members of the Committee, my name is Wanda DeLeo and I am the... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [Next](?page=1) + - [Last](?page=3) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/69f669e3c6d8dcd532a65dd0cbe0220ba230aa23fccefcd5ff13aa9fea85bd74.txt b/chunks/txt/69f669e3c6d8dcd532a65dd0cbe0220ba230aa23fccefcd5ff13aa9fea85bd74.txt new file mode 100644 index 0000000000000000000000000000000000000000..f52884338c0a3066717136715201f8c010b9077a --- /dev/null +++ b/chunks/txt/69f669e3c6d8dcd532a65dd0cbe0220ba230aa23fccefcd5ff13aa9fea85bd74.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/33916","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0.txt b/chunks/txt/69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..e3ce8da4e4bfe79e649df7579c6bf35b28e91401 --- /dev/null +++ b/chunks/txt/69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0.txt @@ -0,0 +1,95 @@ +PROJECT +INFORMATION + +If Project Incomplete +# of Owner Occupied Units + +Owner Occupied +Unit Count + +The number of units occupied by their +owners. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Incomplete']/@OwnerOccupiedUnitCount + +PROJECT +INFORMATION + +Project Primary Occupancy +Principle Residence + +Project Primary +Occupancy Type + +Specifies the primary type of occupancy of +the Project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType +='PrincipleResidence'] + +PROJECT +INFORMATION + +Project Primary Occupancy +Second Home or Recreational + +Project Primary +Occupancy Type + +Specifies the primary type of occupancy of +the Project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType +='SecondHome'] + +PROJECT +INFORMATION + +Project Primary Occupancy +Tenant + +Project Primary +Occupancy Type + +Specifies the primary type of occupancy of +the Project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType +='Tenant'] + +PROJECT +INFORMATION + +Is the developer/builder in control of the +Homeowners' Association (HOA)? +Yes + +PROJECT +INFORMATION + +Is the developer/builder in control of the +Homeowners' Association (HOA)? +No + +Project Developer +Controls Project +Management +Indicator + +Project Developer +Controls Project +Management +Indicator + +Indicates that developer is in control of +the project's management (e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje +ctManagementIndicator='Y'] + +Indicates that developer is in control of +the project's management (e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje +ctManagementIndicator='N'] diff --git a/chunks/txt/6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88.txt b/chunks/txt/6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a8a502cd453329faab352b9560077fa4650a34c --- /dev/null +++ b/chunks/txt/6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88.txt @@ -0,0 +1,52 @@ +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +No Findings Returned + +If no findings or messages are applicable a “No Findings Returned.” message will be displayed under the +specific Finding Category section. + +Fannie Mae + +Freddie Mac + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Submission Findings Result Sections + +Fannie Mae + +Freddie Mac + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +UAD 3.6 SSR JSON + +UCDP users have the option to retrieve the SSR in a new JSON file format. This format is machine-readable, making it ideal +for data exchange and integration. It supports seamless interaction with modern RESTful APIs and is available via UCDP +Direct Integration. + +In addition to all the data elements found in the SSR PDF, the JSON format includes fields that support more technical use +cases. + +Data Fields Specific to the JSON format SSR: + +Field Name +additionalAttributeKeyValues + +attachmentType + +This is TBD (for future expansion). + +Definition / Description + +A value that specifies the type of physical attachment, if any, between the +dwelling and adjacent dwellings. diff --git a/chunks/txt/6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d.txt b/chunks/txt/6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a850623262a0d0892e1a130448c38ea3d5e23ad2 --- /dev/null +++ b/chunks/txt/6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d.txt @@ -0,0 +1,44 @@ +Appendix E: UCD Implementation Guide + +Page 249 of 254 + +Version 1.4 + +Uniform Closing Dataset + +V. Consolidated Mapping Guidance + +Topic + +Guidance + +Table 160. Consolidated Mapping Guidance + +SYMBOLS ($, %) + +TERMS / TIME PERIODS + +@ XL INK + +XPATH + +@SequenceNumber is also used to help identify the PARTY containers supporting Section 23.0 +Contact Information and pair together the organization and personal contact data. + +MISMO data points ending in Amount convey currency values, and in the case of the Closing +Disclosure, US currency expressed in dollars and cents. Note that while dollar amounts must +be presented on the form with a dollar sign ($) and commas separating every third digit, only +numbers and decimal points are included in the XML file. +Similarly, any numeric amount that needs to be expressed with a comma on the form will be +conveyed in the XML file with numbers only. +MISMO data points ending in RatePercent carry the actual percentage value with 4 trailing +digits to the right of the decimal; the percent sign is not provided in the XML. + +Time periods in MISMO usually are represented using two data points: The first data point +(ending in PeriodType) sets the unit of measure, and the second (ending in PeriodCount) +captures the number of those units. The data sets comprising UMDP have standardized on +months as the unit of time for expressing time periods; however, the provided data for time +periods on the Closing Disclosure are to be presented in years. Implementers will need to +provide the specified unit of measure (months) for UCD, and convert it to the appropriate data +format (years) for presentation on the Closing Disclosure. For examples: Loan Term, interest +rate or P&I payment adjustment frequency. diff --git a/chunks/txt/6a1f0aee01a85a7f3cf1a3d662578d91d26e88211197ea9174d9754a4c0cfdde.txt b/chunks/txt/6a1f0aee01a85a7f3cf1a3d662578d91d26e88211197ea9174d9754a4c0cfdde.txt new file mode 100644 index 0000000000000000000000000000000000000000..f493c31bb964c90c275806ec976de554c294bd8e --- /dev/null +++ b/chunks/txt/6a1f0aee01a85a7f3cf1a3d662578d91d26e88211197ea9174d9754a4c0cfdde.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/credit-scores" +date_accessed: "2026-01-27T17:47:50.444Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395.txt b/chunks/txt/6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395.txt new file mode 100644 index 0000000000000000000000000000000000000000..71b708ad478c4da3c4e6e9a07b731e5f89ba7bf1 --- /dev/null +++ b/chunks/txt/6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395.txt @@ -0,0 +1,37 @@ +Page 261 + +Figure 19 - 2 + +Figure 19 - 3 + +Subject Listing Information Exhibits + +The Subject Listing Information Exhibits subsection displays when images are provided and ListedWithinPreviousYearIndicator (UID: +0900.0004, FID: 19.000) = “true”. Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 19.012.1) = +“SubjectListingExhibit”. An image caption is required using ImageCaptionCommentDescription (UID: 1400.0640, FID: 19.012.2). The caption +displays above the image in bold text. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 262 + + + +Descriptive caption for exhibit. + SubjectListingExhibit + zip://location/SubjectListingExhibit.jpg + image/jpeg + + + +Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR. + +Detailed PDF rendering and design specifications for the URAR are in Appendix E: Style Guide. + +Subject Listing Information – Arcrole Relationships + +Arcrole relationships establish "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML +data specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using "xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. diff --git a/chunks/txt/6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639.txt b/chunks/txt/6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639.txt new file mode 100644 index 0000000000000000000000000000000000000000..9002ebbc209e2fce737aa3cd6dde37c98314518f --- /dev/null +++ b/chunks/txt/6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639.txt @@ -0,0 +1,96 @@ +/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL/CON +TACT_POINT[@_Type='Phone']/@_Value +/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL/CON +TACT_POINT[@_Type='Email']/@_Value + +APPRAISER +CERTIFICATION + +Appraiser +Date of Signature and Report + +Appraiser Report +Signed Date + +Indicates the date the appraiser signed the +appraisal report. + +/VALUATION_RESPONSE/REPORT/@AppraiserReportSignedDate + +APPRAISER +CERTIFICATION + +Appraiser +Effective Date of Appraisal + +Appraisal Effective +Date + +Effective date of the appraisal report on +the subject property. + +/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate + +APPRAISER +CERTIFICATION + +Appraiser +State Certification # + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[ +@_Type='Certificate']/@_Identifier + +APPRAISER +CERTIFICATION + +Appraiser +or State License # + +APPRAISER +CERTIFICATION + +Appraiser +or Other + +APPRAISER +CERTIFICATION + +Appraiser +State + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +Appraiser License +Type Other +Description + +A free form text field used to capture +additional information when Other is +selected for Appraisal License Type. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[ +@_Type='License']/@_Identifier + +/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[ +@_Type='Other']/@_TypeOtherDescription + +Appraiser License +State + +The state in which the appraiser is +licensed. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/ +@_State diff --git a/chunks/txt/6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052.txt b/chunks/txt/6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052.txt new file mode 100644 index 0000000000000000000000000000000000000000..f32e73df2f2a5bf1b037ad35d5374945c9cc7453 --- /dev/null +++ b/chunks/txt/6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052.txt @@ -0,0 +1,40 @@ +Display all outbuildings that are real property followed by any that are not real property. + +Section header (black tab) + +The section header (black tab) displays as “Outbuilding – [OutbuildingType]” + +• When ImprovementType (UID: 0300.0009, FID: Not on report) = “Outbuilding” + +Appendix B-1: URAR Implementation Guide v1.3 + +o OutbuildingType (UID: 0300.0025, FID: 12.001) in the section header (black tab). (Figure 12 - 1) + +Note: While not an enumerated value, display ADU/Garage as an option for Outbuilding Type. In the XML + +the OutbuildingType = “Other” and OutbuildingTypeOtherDescription = “ADUGarage”. + +Page 204 + +Figure 12 - 1 + +Outbuilding – General Information + +An image must be provided for each outbuilding, with ImageCategoryType (UID: 1400.0640, FID: 12.007.1) = “OutbuildingExhibit” and +ImageCaptionCommentDescription (UID: 1400.0638, FID: 12.007.2) . Display image on the right side without caption and the image would not +display in the Outbuilding Exhibits subsection. + +For each outbuilding, additional information is necessary. + +When ImprovementType = "Outbuilding" and Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = +“true” + +• Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) + +• Units in Structure - LivingUnitCount (UID: 0300.0063, FID: 12.003) displays. + +o Deliver as zero if there are no living units in the outbuilding. + +• Structure Volume - StructureVolumeMeasure (UID: 0300.0073, FID: 12.005) display when provided. + +• Gross Building Area - StructureAreaMeasure (UID: 0300.0060, FID: 12.006) displays, and the text “Gross Building Area for the diff --git a/chunks/txt/6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40.txt b/chunks/txt/6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40.txt new file mode 100644 index 0000000000000000000000000000000000000000..869170ecc2e7311038c67b18c3466edb5f682748 --- /dev/null +++ b/chunks/txt/6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40.txt @@ -0,0 +1,20 @@ +Addressing Appraisal Deficiencies + +The lender is responsible for confirming that an appraisal report is complete, and any changes made are by the appraiser that +completed it. If the lender has concerns with the appraisal resulting in questions about the reliability of the opinion of market +value, the lender must attempt to resolve its concerns with the original appraiser. The lender must return the appraisal report to +the original appraiser, identify the deficiency found, and provide justification for requesting the deficiency corrections the lender +believes make the appraisal report unreliable. Any lender request for the appraiser must be based on material and substantive +evidence and must not be solely based on the opinion of market value not supporting the proposed loan amount. The revised +appraisal report must contain the date, the section, and details of the changes made in the Revision History of the URAR. The +lender must document in the loan file the resolution of the noted deficiencies in the original appraisal report. + +When the lender is unable to resolve its concerns with the original appraiser and the appraisal is considered deficient, the lender +has the following options. + +• obtain a new appraisal report of the subject property from an alternate appraiser, or +• obtain a desk or field review of the original appraisal report. + +If the lender obtains a new appraisal report, the lender must comply with the requirements for multiple appraisals of the subject +property in SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements and select the most reliable +appraisal report prior to making a final underwriting decision on the loan. diff --git a/chunks/txt/6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875.txt b/chunks/txt/6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875.txt new file mode 100644 index 0000000000000000000000000000000000000000..88ab3590db54e2683a50ffae2b03c8799e445567 --- /dev/null +++ b/chunks/txt/6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875.txt @@ -0,0 +1,32 @@ +- [Enterprise Multifamily Public Use Dashboard](/data/dashboard/enterprise-multifamily-public-use-database) +- [Press Release: FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions](/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions) + +## Mortgage Loan & Natural Disaster + +This interactive Mortgage Loan and Natural Disaster Dashboard combines FHFA’s PUDB data on single-family and multifamily acquisitions for the regulated entities (Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System), FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas. Desired geographies can be exported to .pdf and Excel from the Mortgage Loan and Natural Disaster Dashboard. + +- [Mortgage Loan and Natural Disaster Dashboard](/data/dashboard/mortgage-loan-and-natural-disaster) +- [Mortgage Loan and Natural Disaster Dashboard FAQs](/faqs/mortgage-loan-and-natural-disaster) +- [FHFA Stats Blog: Mortgage Loan and Natural Disaster Dashboard Blog Post](/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl) + +*Page Last Updated: November 25, 2025* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6.txt b/chunks/txt/6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..c192c7d06ce32793211f8c27713f76ec0ab60e9c --- /dev/null +++ b/chunks/txt/6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6.txt @@ -0,0 +1,85 @@ +• Moderately sized kitchens featuring +standard-grade appliances, cabinetry and +countertops or a mix of economy and +upgraded elements. + +• Usually featuring multiple bathrooms of +moderate size containing standard-grade +cabinetry and plumbing fixtures or a +mixture of economy and upgraded +elements. + +• Windows and doorways +constructed of standard-grade +material. + +• Simple roof designs using +standard-grade roof materials +with moderate pitch and could +have more than one ridge; may +feature some simple decorative +elements such as gables or +overhangs. + +• Exterior walls constructed +using standard-grade materials +and featuring multiple corners; +but basically rectangular in +shape or footprint. + +• Small rooms typically with flat ceilings, +minimal trim or finishes of basic design. + +• Economy floor coverings that meet +minimum standards. + +• Small kitchens featuring economy-grade +appliances, cabinetry, and countertops or a +mix of standard and economy grade. + +• Bathrooms that are limited in size and +number, and feature economy-grade +cabinetry and plumbing fixtures or a +mixture of economy and standard-grade +elements. + +• Limited windows and +doorways, constructed of +economy grade materials, +simple in shape and design, and +featuring basic trim and finish. + +• Basic roof design, usually low- +pitch and single roofline; +features economy or standard- +grade roof materials. + +• Exterior walls constructed +using economy or standard- +grade materials and featuring +minimal corners; usually a basic +rectangular shape. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 93 of 166 + +UAD 3.6 Policy + +Q6 + +The dwelling is a structure +constructed in a manner +reflecting a lack of basic +architectural designs and may not +meet local building standards. +The materials and amenities are +low quality, alternate, or non- +customary; or whose +construction or installation +reflects unskilled workmanship +and may not be adequately +equipped to support year-round +occupancy. Q6 dwellings may be +rare or even non-existent in many +communities. diff --git a/chunks/txt/6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848.txt b/chunks/txt/6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848.txt new file mode 100644 index 0000000000000000000000000000000000000000..9339381c9b6e7cb7b178e18a9669dcc7c95856c9 --- /dev/null +++ b/chunks/txt/6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848.txt @@ -0,0 +1,129 @@ +Zoning Compliance +Illegal + +Site Zoning +Compliance Type + +Indicates the level of compliance of +the subject Site to zoning regulations. + +/VALUATION_RESPONSE/PROPERTY/SITE +[@_ZoningComplianceType='Illegal'] + +13 + +13 + +13 + +13 + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Zoning Compliance +Illegal (describe) + +Site Zoning +Compliance +Description + +A free-form text field describing any +issues concerning how the site +complies with zoning regulations +including limitations on future +development. + +/VALUATION_RESPONSE/PROPERTY/SITE +/@_ZoningComplianceDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +102 + +1 + +96 + +SITE + +103 + +1 + +97 + +SITE + +104 + +1 + +98 + +SITE + +Is the highest and best +use of subject as +improved (or as +proposed per plans and +specifications) the +present use? Yes +Is the highest and best +use of subject as +improved (or as +proposed per plans and +specifications) the +present use? No +Is the highest and best +use of subject as +improved (or as +proposed per plans and +specifications) the +present use? If No, +describe + +Highest Best Use +Indicator + +Indicates that the present use is the +highest and best of the site as +improved. + +/VALUATION_RESPONSE/PROPERTY/SITE +[@HighestBestUseIndicator='Y'] + +Highest Best Use +Indicator + +Indicates that the present use is the +highest and best of the site as +improved. + +/VALUATION_RESPONSE/PROPERTY/SITE +[@HighestBestUseIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Highest Best Use +Description + +Specifies a use, other than the present +use, that would constitute a higher +and best use of the site. diff --git a/chunks/txt/6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0.txt b/chunks/txt/6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..62e372c8f23faec06ec9646b27d0487a18c22010 --- /dev/null +++ b/chunks/txt/6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0.txt @@ -0,0 +1,80 @@ +Examples: Unit 1, Unit 2, Primary Dwelling, ADU + +Note: If there are multiple units or ADUs, Unit Identifier cannot be repeated. +For 2-4 unit properties, units would be identified as Unit 1, Unit 2, etc. + +General Information + +Area Breakdown and Data Source + +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants regarding area measurement requirements, and Appendix 3: ANSI Example for an example of the +application of ANSI. + +Note: Noncontinuous finished area is reported in Dwelling Exterior (8.046-8.048) and not here. + +Report +Field ID + +10.003 + +10.004 + +Unit Interior: Area Breakdown and Data Source, Finish of Below Grade Areas + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Always required + +Always required + +Finished Above +Grade + +Finished Above +Grade +(Nonstandard) + +Number of square +feet + +Above Grade Finished Area: The total above grade finished area of the living +unit. + +Number of square +feet + +Above Grade Finished Area (Nonstandard): Above grade finished area(s) with +direct interior access from within the dwelling not conforming to the ANSI +ceiling height requirements or accessed through unfinished area(s) such as an +unfinished hallway, a room, or staircase. + +Notes: +• + +• + +Indicate the reason the area is nonstandard in Unit Interior Commentary +(10.061). +If 0, Above Grade Finished Area (Nonstandard) does not display. + +Number of square +feet + +Above Grade Unfinished Area: The total above grade unfinished area of the +living unit. + +10.005 Unfinished + +Always required + +10.006 + +Above Grade diff --git a/chunks/txt/6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00.txt b/chunks/txt/6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00.txt new file mode 100644 index 0000000000000000000000000000000000000000..dbfea664fec780b0bf75b5914e346df084d7a100 --- /dev/null +++ b/chunks/txt/6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/duty-to-serve/eligibility-data" +date_accessed: "2026-01-27T17:54:20.547Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5.txt b/chunks/txt/6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f5500d3050ab9933a64ff363e7e1b35798393f8 --- /dev/null +++ b/chunks/txt/6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5.txt @@ -0,0 +1,262 @@ +Money + +Whole dollars only. + +Money + +Whole dollars only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +4000 + +String + +UAD Instruction - Refer to Appendix D Neighborhood Section +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 86 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +88 + +89 + +90 + +91 + +92 + +1 + +1 + +1 + +1 + +1 + +84 + +85 + +86 + +87 + +88 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +NEIGHBORHOOD Neighborhood Description + +NEIGHBORHOOD + +Market Conditions (including +support for the above +conclusions) + +Neighborhood +Description +Neighborhood +Market Conditions +Description + +PROJECT SITE Topography + +PROJECT SITE Size diff --git a/chunks/txt/6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3.txt b/chunks/txt/6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e31fe3137f1e52f4f2daa1bb3e9ac5c5a48e0ad --- /dev/null +++ b/chunks/txt/6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3.txt @@ -0,0 +1,92 @@ +This section always displays and provides space for additional commentary and exhibits. + +Addressing highest and best use as if vacant land or other points of highest and best use may be done utilizing +the Highest and Best Use Commentary (16.005). + +Highest and Best Use + +Report +Field ID + +16.000 + +Report Label + +When to Include + +Allowable +Answers / Format + +Legally +Permissible + +Always required + +Yes | No + +16.001 Physically + +Always required + +Yes | No + +Always required + +Yes | No + +Always required + +Yes | No + +Always required + +Yes | No + +16.002 + +Possible + +Financially +Feasible + +16.003 Maximally +Productive + +16.004 + +Is the highest +and best use of +the subject +property as +improved (or as +proposed per +plans and +specifications) +the present use? + +Definition / Additional Guidance + +Indicates whether the current improvements (or the proposed improvements if +appraised “subject to”) of the property are legally allowed, with particular +attention to zoning. + +Indicates whether the current improvements (or the proposed improvements if +appraised “subject to”) of the property are physically possible. + +Indicates whether the current improvements (or the proposed improvements if +appraised “subject to”) of the property are financially feasible. + +Indicates whether the current improvements (or the proposed improvements if +appraised “subject to”) of the property are maximally productive. + +Highest and Best Use +After consideration of all four tests, indicates whether the present or proposed +use is the highest and best use of the site. + +Appendix F-1: URAR Reference Guide + +Page 175 of 375 + +Version 1.3 + +Uniform Appraisal Dataset diff --git a/chunks/txt/6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122.txt b/chunks/txt/6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122.txt new file mode 100644 index 0000000000000000000000000000000000000000..394fda7539e941fbf56c40292e1ab3b17148414f --- /dev/null +++ b/chunks/txt/6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122.txt @@ -0,0 +1,110 @@ +The name of the company for which the appraiser or supervisory appraiser +works. + +Company Name Always required for + +Free-form + +08.015 +08.030 + +08.016 +08.031 + +Company +Address + +the appraiser and +supervisory appraiser + +Always required for +the appraiser and +supervisory appraiser + +Free-form + +The address of the company for which the appraiser or supervisory appraiser +works. + +Scope of Inspection by Appraiser and Supervisory Appraiser + +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for requirements regarding the level of inspection. + +Assignment Information: Contact Information – Scope of Inspection for Subject Property + +Report +Field ID + +08.017 +08.032 + +Report Label + +When to Include + +Subject Property +Inspection +Exterior + +Always required for +the appraiser and +supervisory appraiser + +08.018 +08.033 + +Subject Property +Inspection +Interior + +Always required for +the appraiser and +supervisory appraiser + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Exterior Inspection Method: The method by which the exterior inspection was +conducted by the appraiser or supervisory appraiser. +• +• +• + +Physical +Virtual +No Inspection + +Interior Inspection Method: The method by which the interior inspection was +conducted by the appraiser or supervisory appraiser. +• +• +• + +Physical +Virtual +No Inspection + +Appendix F-3: Completion Report Reference Guide + +Page 26 of 33 + +Version 1.3 + +Uniform Appraisal Dataset diff --git a/chunks/txt/6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58.txt b/chunks/txt/6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58.txt new file mode 100644 index 0000000000000000000000000000000000000000..82661528d6bc000734c93a77c68becebb596123e --- /dev/null +++ b/chunks/txt/6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58.txt @@ -0,0 +1,65 @@ +Table 124. Required Sections for each Closing Disclosure Variation -- UPDATED + +ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions +Only Alternate Form + +17.0 + +Loan Disclosures + +✓ + +✓ + +✓ + +17.0 Loan Disclosures provides legal details about the loan terms. + +17.0 Loan Disclosures +17.1 Assumption + +If you sell or transfer this property to another person, your lender + will allow, under certain conditions, this person to assume this + +loan on the original terms. + + will not allow assumption of this loan on the original terms. + +17.2 Demand Feature + +Your loan + has a demand feature, which permits your lender to require early +repayment of the loan. You should review your note for details. + does not have a demand feature. + +17.3 Late Payment +If your payment is more than 10 days late, your lender will charge a +late fee of $100 OR 2% of the monthly principal and interest payment. + +17.4 Negative Amortization (Increase in Loan Amount) + +Under your loan terms, you + are scheduled to make monthly payments that do not pay all of +the interest due that month. As a result, your loan amount will +increase (negatively amortize), and your loan amount will likely + become larger than your original loan amount. Increases in your + +loan amount lower the equity you have in this property. + +may have monthly payments that do not pay all of the interest + due that month. If you do, your loan amount will increase + +(negatively amortize), and, as a result, your loan amount may + become larger than your original loan amount. Increases in your + +loan amount lower the equity you have in this property. diff --git a/chunks/txt/6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1.txt b/chunks/txt/6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..bcf970d1a63a42e848549d9a276c7d1307ebf3a7 --- /dev/null +++ b/chunks/txt/6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1.txt @@ -0,0 +1,55 @@ +(cid:21)(cid:17)(cid:19)(cid:22)(cid:21) + +(cid:21)(cid:17)(cid:19)(cid:22)(cid:22) + +(cid:21)(cid:17)(cid:19)(cid:22)(cid:23) + +(cid:21)(cid:17)(cid:19)(cid:22)(cid:24) + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +(cid:21)(cid:17)(cid:19)(cid:22)(cid:25) +(cid:21)(cid:17)(cid:19)(cid:22)(cid:26) + +(cid:21)(cid:17)(cid:19)(cid:22)(cid:27) + +Significant Real Property Appraisal Assistance + +Name + +(cid:21)(cid:17)(cid:19)(cid:23)(cid:26) + +Description + +(cid:21)(cid:17)(cid:19)(cid:23)(cid:27) + +Property Data Report + +Name +Occupation +Company Name +Company Address +Reference ID +Subject Property Inspection + +Exterior +Interior +Inspection Date + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:22) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:23) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:24) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:25) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:26) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:27) diff --git a/chunks/txt/6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e.txt b/chunks/txt/6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c9b8b49523ae261c338c954cc26a9364b28b7724 --- /dev/null +++ b/chunks/txt/6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e.txt @@ -0,0 +1,20 @@ +Uniform Residential Appraisal Report + +Page 27 of 30 +Page 27 of 30 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43.txt b/chunks/txt/6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3979ea4c51465ceb3da0c96a1e13ef7a9e8a4e9 --- /dev/null +++ b/chunks/txt/6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43.txt @@ -0,0 +1,10 @@ +## Conservatorship Scorecards + +The annual Conservatorship Scorecard is FHFA's mechanism for communicating its priorities and expectations for the Enterprises and providing transparency to the public about these expectations. The 2025 Scorecard priorities are promoting (1) equitable access to affordable and sustainable housing and (2) operating the business in a safe and sound manner. + +- [All Scorecards](/reports/conservatorships-performance-goals-scorecard)​ +- Scorecard Progress Reports- [Scorecard Progress Reports (2013 – 2018)](/reports/conservatorships-progress-report) +- [Scorecard Reporting in “Conservatorships of the Enterprises” chapter in FHFA Annual Report to Congress (2019 – present)](/reports/annual-report-to-congress) +## Required Reporting + +On October 3, 2008, President George W. Bush signed the Emergency Economic Stabilization Act of 2008 (EESA), providing broad authorities to the Treasury to undertake measures to strengthen financial institutions. EESA included provisions to assist homeowners facing foreclosure and to protect tenants. Section 110 of EESA charges federal property managers (FPMs) to develop and implement plans to maximize assistance for homeowners and encourage servicers of underlying mortgages to take advantage of programs to minimize foreclosures. In addition, each FPM is required to report to Congress every 30 days. The report must contain specific information on the number and types of loan modifications made and the number of actual foreclosures during the reporting period. FHFA is designated as FPM in its role as conservator for Fannie Mae and Freddie Mac under Section 110 of EESA. diff --git a/chunks/txt/6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae.txt b/chunks/txt/6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..345cc3818d1c21dda8bac160e58d9f5440ff10cb --- /dev/null +++ b/chunks/txt/6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae.txt @@ -0,0 +1,132 @@ +0100.0008 + +AddressUnitIdentifier + +0100.0009 + +CityName + +0100.0011 + +PostalCode + +0100.0012 + +StateCode + +Display if exists +Display the AddressUnitDesignatorType (UID: 1200.0052, FID: 3.000) = +“Unit” followed by the AddressUnitIdentifier + +Note: For properties with multiple units, do not populate unit number in +Physical Address. Unit Identifier is included in the Unit Interior section. + +Always displays + +0100.0002 + +AddressLineText + +Display when CityName Exists OR PostalCode Exists OR StateCode Exists + +3.001 + +Alternate Physical Address + +0100.0004 + +CityName + +0100.0003 + +AddressUnitIdentifier + +0100.0005 + +PostalCode + +0100.0006 + +StateCode + +Display if exists +Note: All data elements (except for AddressUnitIdentifier) must be +delivered when providing a property's additional address. +Display when AddressLineText Exists OR PostalCode Exists OR StateCode +Exists +Display when AddressLineText Exists OR CityName Exists OR StateCode +Exists +Display when AddressLineText Exists OR CityName Exists OR PostalCode +Exists + +3.002 + +County + +0100.0010 + +CountyName + +Always displays + +3.003 + +Neighborhood Name + +0100.0017 + +NeighborhoodName + +Display if exists + +3.004 + +Attachment Type + +0100.0020 + +AttachmentType + +3.005 + +3.006 + +3.007 + +Units Excluding ADUs + +0100.0022 + +LivingUnitExcludingADUCount + +Always displays + +Accessory Dwelling Units + +0100.0019 + +AccessoryDwellingUnitTotalCount + +Dwellings Containing Units + +0100.0021 + +DwellingCount + +Display when LivingUnitExcludingADUCount > 1 + +3.008 + +Special Tax Assessments + +0100.0033 + +SpecialTaxAssessmentsIndicator + +Always displays + +3.009 + +Description of Special Tax +Assessments and Impact to +Value/Marketability diff --git a/chunks/txt/6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96.txt b/chunks/txt/6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96.txt new file mode 100644 index 0000000000000000000000000000000000000000..deab7b6af755b30177dba400bc67be372997b1cc --- /dev/null +++ b/chunks/txt/6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/research?category%5B176%5D=176" +date_accessed: "2026-01-27T17:47:56.044Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed.txt b/chunks/txt/6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..7018a4b088c812374be1575d7d178a6240e93d59 --- /dev/null +++ b/chunks/txt/6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed.txt @@ -0,0 +1,88 @@ +Allowable Values PDF Display +Residential Res +Industrial Ind +Commercial Comm +BusyRoad BsyRd +WaterFront WtrFr +GolfCourse GlfCse +AdjacentToPark AdjPrk +AdjacentToPowerLines AdjPwr +Landfill Lndfl +PublicTransportation PubTrn +Other * + +*See field e-16 directly below. + +At least one but no more than two +values are required. + +R + +R + +R + +341 + +3 + +e-16 + +SALES +COMPARISON +APPROACH + +Location + +GSE Location +Type Other +Description + +Text entry when 'Other' is selected as +Location Type. + +342 + +3 + +23 + +SALES +COMPARISON +APPROACH + +Leasehold/Fee Simple + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L +OCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX +TENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@ +GSELocationTypeOtherDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='PropertyRights']/@_Description + +20 + +20 + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +If a location factor not on the list materially affects the value of the property, the +appraiser must select 'Other' and enter a description of the location associated with the +property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. diff --git a/chunks/txt/6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf.txt b/chunks/txt/6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf.txt new file mode 100644 index 0000000000000000000000000000000000000000..35e11fa4a06ba31ac56b6b12a029ebaaed6fb92f --- /dev/null +++ b/chunks/txt/6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf.txt @@ -0,0 +1,32 @@ +Desktop Underwriter/Desktop Originator Release Notes +DU Version 12.0 November Update + +Sept. 24, 2025 + +Updated Nov. 5, 2025 + +During the weekend of Nov. 15, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which +will include the changes described below. Unless otherwise noted below, the changes in this release will apply to DU V. 12.0 loan +casefiles submitted or resubmitted to DU on or after the weekend of Nov. 15, 2025. + +The changes in this release include the following updates: +▪ Eligibility Assessment Update (updated Nov. 5, 2025) +▪ Documentation Updates for Borrowers without Traditional Credit +▪ Undisclosed Liabilities (added Nov. 5, 2025) +▪ Rural High-Needs Areas (added Nov. 5, 2025) +▪ Updates to Align with the Selling Guide + +Eligibility Assessment Update + +The DU risk assessment reflects a comprehensive evaluation of credit risk factors from the borrower’s credit report along with +non-credit risk factors from the loan application. The credit risk factors consider how well the borrower has handled credit, both +now and in the past. DU will be updated with the changes specified below to align our minimum credit risk standards with our +underlying DU risk assessment framework. + +Minimum credit score requirements (updated Nov. 5, 2025) + +The minimum representative credit score requirement of 620 for loan casefiles for one borrower and minimum average median +credit score requirement of 620 for more than one borrower will be removed for new loan casefiles created on or after Nov. 16, +2025. This requirement will be replaced with a minimum credit risk standard based on the credit risk factor evaluation within the +DU credit risk assessment. The factors used in this assessment are specified in section B3-2-03, Risk Factors Evaluated by DU of +the Selling Guide. diff --git a/chunks/txt/6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d.txt b/chunks/txt/6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d.txt new file mode 100644 index 0000000000000000000000000000000000000000..9467952badc7744e33a6e1fd3e40043d0675f308 --- /dev/null +++ b/chunks/txt/6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d.txt @@ -0,0 +1,32 @@ +A SequenceNumber is not a required attribute but is a best practice when paired with the xlink: +label attribute. The SequenceNumber attribute can provide an order for multi-instance containers +and is a mechanism to distinguish them from one another. For example, the borrower may report +ownership of multiple assets and the following XML illustrates the usage of SequenceNumber to +identify each individual ASSET container: + +Example 2 Attributes and when Sequence number usage + +3. Context. The data contained within a fixed length file format is meaningless if the position, field +length and data explanation are not known. This is not the case with an XML file. The hierarchical +nature of an XML file provides a greater degree of context to the information. An example of this + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +16 + +is a street is part of an address, which is part of an owned property record which is also a part of a +borrower’s asset record. This structure in XML shows how a header is not needed and the +relationship of the street address to the asset. Refer to Example 3 to visualize the concept in an +XML code: + +Example 3 XML code example to illustrate absence of a header + +Creating an XML Schema based submission file +The MISMO_3.4.0_B324.xsd file is the schema for the DU Spec. Depending on the XML editor tool, the +XML file should be placed in the same folder where the MISMO schema file is saved. + +An XML editor will first need to identify a root element to create the XML file. MESSAGE should be +chosen at the root as this denotes the parent container and common ancestor to all containers within the +XML file for the DU Spec. Refer to Figure 4 for creating a root element. diff --git a/chunks/txt/6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49.txt b/chunks/txt/6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f9b9f9247970eb31da75b75c0e1b517906a3d89 --- /dev/null +++ b/chunks/txt/6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49.txt @@ -0,0 +1,151 @@ +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +Table 40. Loan Identifiers + +GSE (Loan ID #) + +…/LOAN_IDENTIFIER LoanIdentifier + +10Bx939c5543TqA11 +44M999143X38 + +LoanIdentifierType Other + +LoanIdentifierTypeOt +herDescription + +UniversalLoan + +▪ 3 data points +MUST be used +together + +▪ “UniversalLoanIde +ntifier” is not a +valid enum for +LoanIdentifierType +in MISMO v3.3 + +▪ Not shown – + +Cross-UMDP loan +ID + +▪ Provide if available + +End of LOAN_IDENTIFIER Instances + +First Instance of AUTOMATED_UNDERWRITING + +GSE (Loan ID #) + +…/LOAN/UNDERWRI +TING/AUTOMATED_ +UNDERWRITINGS/AU +TOMATED_UNDERW +RITING + +AutomatedUnderwrit +ingCaseIdentifier + +9876543210 + +AutomatedUnderwrit +ingSystemType + +DesktopUnderwriter + +▪ Not shown - Cross- +UMDP loan ID +▪ Provide if available + +Second Instance of AUTOMATED_UNDERWRITING + +GSE (Loan ID #) + +…/AUTOMATED_UN +DERWRITING + +AutomatedUnderwrit +ingCaseIdentifier + +654321 + +AutomatedUnderwrit +ingSystemType + +Other + +AutomatedUnderwrit +ingSystemTypeOther +Description + +LoanProductAdvisor + +End AUTOMATED_UNDERWRITING Instances + +UID +0.044 + +GSE (Loan ID #) + +…/UNDERWRITING/U +NDERWRITING_DETA +IL + +LoanManualUnderwr +itingIndicator + +false + +▪ Not shown - Cross- +UMDP loan ID +▪ Provide if available + +▪ Not shown - Cross- +UMDP loan ID +▪ Provide for all + +loans + +UID +0.060 + +UID +0.061 + +UID +0.062 + +UID +0.042 + +UID +0.039 + +UID +0.042 + +UID +0.039 + +UID +0.040 + +MAPPI NG GUI DANCE + +1. LOAN_IDENTIFIER repeats as many times as necessary to provide required loan identifiers. + +2. See V. Consolidated Mapping Guidance entries for Identifiers and Repeatable Containers. diff --git a/chunks/txt/6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3.txt b/chunks/txt/6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3.txt new file mode 100644 index 0000000000000000000000000000000000000000..4753b28c0464a7738de46dbd5d141a149d531948 --- /dev/null +++ b/chunks/txt/6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3.txt @@ -0,0 +1,16 @@ +- ARRC News Release: [ARRC Releases Final Reflections and Announces its Conclusion Following a Successful Transition](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2023/ARRC-Press-Release-Closing-Report.pdf) (11/30/2023) +- On May 16, 2023, [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/fannie-mae-legacy-libor-indexed-cusips-uploaded-dtcc-lens) and [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-posts-libor-indexed-securities-fallback-rate?_ga=2.33465598.1968698009.1684268581-851697357.1618332389) announced that they posted fallback information on their LIBOR-indexed securities to the Depository Trust & Clearing Corporation’s (DTCC) Legal Notice System (LENS), in addition to the fallback information provided on their respective Reference Rate Transition websites. +- ARRC News Release: [ARRC Formally Recommends Term SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Term_SOFR.pdf) (7/29/2021) +- ARRC News Release: [Update on Upcoming Formal Recommendation of Term SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Convention_Switch_Update.pdf) (7/26/2021) +- ARRC News Release: [ARRC Endorses MRAC Recommendations for September 21 "RFR First" Move of Interdealer Cross-Currency Swap Market Trading Convention](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Endorsement_of_MRAC.pdf) (7/21/2021) +- ARRC News Release: [ARRC Recommends Loan Conventions and Best Practices for Use of Forward-Looking SOFR Term Rate](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Term_Rate_Scope_and_Conventions.pdf) (7/21/2021) +- ARRC News Release: [ARRC Commends the CFTC Market Risk Advisory Committee's Formal Adoption of a Recommendation on Transitioning Interdealer Derivatives Market Trading Conventions to SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Supporting_MRAC_SOFR.pdf) (7/13/2021)​ +- ARRC News Release: [ARRC Welcomes FHFA Supervisory Letter on Transition Away from LIBOR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210701-arrc-press-release-fhfa-supervisory-letter) (7/1/2021) +- ARRC News Release: [ARRC Endorses Decision to Sign New York State LIBOR Legislation into Law](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210407-arrc-press-release-nys-legislation) (4/7/2021) +- ARRC News Release: [ARRC Announces Refinitiv as Publisher of its Spread Adjustment Rates for Cash Products](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210317-press-release-Spread-Adjustment-Vendor-Refinitiv.pdf) (3/17/2021) +- Financial Conduct Authority (FCA) Release: [FCA announcement on future cessation and loss of representativeness of the LIBOR benchmarks](https://www.fca.org.uk/publication/documents/future-cessation-loss-representativeness-libor-benchmarks.pdf) (3/5/2021) +- Bloomberg Release: [Spread Fixing Event for LIBOR](https://assets.bbhub.io/professional/sites/10/IBOR-Fallbacks-LIBOR-Cessation_Announcement_20210305.pdf) (3/5/2021) +- ​​​Fannie Mae News Release: [Fannie Mae Advances Market Readiness For New Index Rate​](https://www.fanniemae.com/newsroom/fannie-mae-news/fannie-mae-advances-market-readiness-new-index-rate) (12/17/2020) +- Freddie Mac News Release: [Freddie Mac Clears Path for New Index Rate​](http://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-clears-path-new-index-rate?_ga=2.237851904.147424302.1608224793-348603369.1608224793) (12/17/2020) +- Fannie Mae News Release: [Fannie Mae Issues Inaugural Multifamily and Single-Family SOFR ARM MBS​](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/fannie-mae-issues-inaugural-multifamily-and-single-family-sofr-arm-mbs) (10/30/2020) +- ​Freddie Mac News Release: [​Freddie Mac Completes First Single-Family Credit Risk Transfe diff --git a/chunks/txt/6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443.txt b/chunks/txt/6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc618349abd6e1aef3d60b73475d8bacb8412609 --- /dev/null +++ b/chunks/txt/6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443.txt @@ -0,0 +1,113 @@ +Definition / Additional Guidance + +Photos or images relevant to the Reconciliation section may be provided, +including images supporting the Alternate Opinion of Value, which display in +Reconciliation Exhibits. If the photo or image is not specifically indicated, a +caption must be provided to further identify the photo or image. + +Appendix F-1: URAR Reference Guide + +Page 334 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +27 Revision History + +27 Revision History + +The Revision History section can be used to summarize material revisions after the appraisal was originally sent +to the client to help identify what revisions and corrections were made. + +Notes: + +• A Borrower-Initiated Reconsideration of Value (ROV) must be documented in this section. +• This is not for tracking draft versions as the appraiser is writing the report. + +Examples + +Example 1: Revision History Section without ROV + +Example 2: Revision History Section with ROV + +Appendix F-1: URAR Reference Guide + +Page 335 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +27 Revision History + +Revision History Table + +The Revision History Table displays when there are revisions to the report documented by the appraiser, +including revisions caused by Borrower-Initiated ROVs. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +27.000 Revision Date + +If applicable + +mm/dd/yyyy + +Revision History + +Definition / Additional Guidance + +27.001 URAR Section + +If applicable + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +27.002 Description + +If applicable + +Free-form + +Assignment Information +Certifications +Cost Approach +Disaster Mitigation +Dwelling Exterior +Energy Efficient and Green Features +Functional Obsolescence +Header and Footer +Highest and Best Use +Income Approach +Manufactured Home +Market +Outbuilding +Overall Quality and Condition +Prior Sale and Transfer History +Project Information +Reconciliation +Rental Information +Sales Comparison Approach +Sales Contract +Site +Sketch +Subject Listing Information +Subject Property +Subject Property Amenities +Supplemental Information +Unit Interior +Vehicle Storage diff --git a/chunks/txt/6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1.txt b/chunks/txt/6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c3f2630fa127c29a61c591cb1e12f74f616ea8f --- /dev/null +++ b/chunks/txt/6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1.txt @@ -0,0 +1,67 @@ +Additional Resources + +For additional information, please reference the documents and web sites listed below. + +Document Name and +Description + +URL + +Online HUD Handbook 4000.1 + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400 +0-1 + +HUD Mortgagee Letters + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/FHA_info_mess +ages + +FHA Mortgage Limits + +https://entp.hud.gov/idapp/html/hicostlook.cfm + +CHUMS Data Files + +http://www.hud.gov/pub/chums/file_layouts.html + +FHA Resource Center: Contact +Information and FAQs + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr + +© 2026 Fannie Mae. + +1.7.26 + +1 of 2 + +Document Name and +Description + +URL + +VA Lenders Handbook + +https://benefits.va.gov/warms/pam26_7.asp + +VA Circulars + +VA Loan Limits + +https://www.benefits.va.gov/HOMELOANS/resources_circulars.asp + +https://www.va.gov/housing-assistance/home-loans/loan-limits/ + +VA Regional Loan Centers: Contact +Information + +For More Information + +https://www.benefits.va.gov/homeloans/contact_rlc_info.asp + +More information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface. +Additionally, lenders may contact their Single Family Market Engagement team, and mortgage brokers should contact their DO +sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers should contact +their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage brokers should +contact HUD at 1-800-CALL-FHA (1-800-225-5342). diff --git a/chunks/txt/6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e.txt b/chunks/txt/6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e.txt new file mode 100644 index 0000000000000000000000000000000000000000..98e5a52df462fc46f30223ef157ca2d9b0314127 --- /dev/null +++ b/chunks/txt/6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e.txt @@ -0,0 +1,84 @@ +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +Refrigerator']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +RangeOven']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +Dishwasher']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +Disposal']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +Microwave']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +WasherDryer']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +Other']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/KITCHEN_EQUIPMENT[@_Type=' +Other']/@_TypeOtherDescription + +8 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +Enumerated + +Boolean + +A value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box +was not checked. + +Boolean + +A value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box +was not checked. + +Boolean + +A value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box +was not checked. + +Boolean + +A value of 'Y' indicates there is a disposal. A value of 'N' indicates the box +was not checked. + +Boolean + +A value of 'Y' indicates there is a microwave. A value of 'N' indicates the box +was not checked. + +Boolean + +A value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the +box was not checked. + +Boolean + +A value of 'Y' indicates there is an other appliance. A value of 'N' indicates the +box was not checked. + +214 + +IMPROVEMENTS + +215 diff --git a/chunks/txt/6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018.txt b/chunks/txt/6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018.txt new file mode 100644 index 0000000000000000000000000000000000000000..40dffd6e190bc866d69901f1898bb4c21d1be7ad --- /dev/null +++ b/chunks/txt/6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018.txt @@ -0,0 +1,23 @@ +Note: Lenders may not transfer servicing on HomeStyle Refresh loans during the renovation period. + +Appraisal Requirements + +All HomeStyle Refresh loans require an appraisal based on an interior and exterior property inspection and must be +completed on the appropriate form depending on the property type. When the loan is being delivered prior to the completion +of the improvements, appraisers must determine the “as completed” value of the property subject to the improvements +being completed. + +Following completion of the renovation work, the lender must obtain a certification of completion stating the renovation was +completed in accordance with the submitted plans and specifications. The certification must be documented on the Appraisal +Update and/or Completion Report (Form 1004D). The 1004D must confirm all “subject to” items listed on the appraisal were +completed. If deviations have been made to the initial plans, the appraiser must note any impact to the appraised value. A +copy of the Completion Report must be submitted through Loan Quality Connect to confirm completion. + +Title and Insurance Updates + +The lender must obtain a title update with the renovation completion date before issuing the final funds to ensure that Fannie +Mae’s first lien priority remains in place and confirms that no mechanic's or materialmen’s liens exist. + +When the property is located in a state in which contractors’, subcontractors’, or materialmen’s liens have priority over +mortgage liens, the lender must obtain all necessary lien releases or take any other action that may be required to ensure title +to the property is clear of all liens and encumbrances. diff --git a/chunks/txt/6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6.txt b/chunks/txt/6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..d510141a6484c116a6d83f3362461527f05bef15 --- /dev/null +++ b/chunks/txt/6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6.txt @@ -0,0 +1,49 @@ +Add comment if needed. + +Add comment if needed. + +There is a small dry cleaner located on project +premises. + +There is a private transfer fee that is paid at settlement. +There is no impact to marketability, the transfer fee is a +typical fee paid in this market for cooperative transfers. + +Shareholders of the XYZ Apartments project are currently +participating in a energy efficiency incentive program +for property owners. The program is designed to help +make energy efficiency more affordable in the form of tax +abatement incentives that will be paid over the next two +years. Moreover, the program helps reduce the reliance +on utility-generated electricity and encourages the +use of renewable energy sources. This has no impact to +marketability or value. + +Project Factors Commentary Additional commentary can be added here, if needed by Appraiser. + +Project Information Commentary + +The original use for the subject’s project was apartment rental units, up until the cooperative conversion. Additionally, the project offers office +space for use on the property. This office space is located within the project and has no impact to value/marketability. + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 11 of 18 +Page 11 of 18 + +Project Information (continued) + +Project Information Exhibits + +Common Amenity or Service – Inground Pool + +Common Amenity or Service – Theater + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending diff --git a/chunks/txt/6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897.txt b/chunks/txt/6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897.txt new file mode 100644 index 0000000000000000000000000000000000000000..e62a7a8c032a1516f420f7ca89903a66dfe55e8a --- /dev/null +++ b/chunks/txt/6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897.txt @@ -0,0 +1,19 @@ +[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + +This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + +[**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide) + +This 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. + +[**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide) + +This document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset. + +[**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar) + +This 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. + +[**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) + +This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. diff --git a/chunks/txt/6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841.txt b/chunks/txt/6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841.txt new file mode 100644 index 0000000000000000000000000000000000000000..55554230f0c1ff014f890d1d6219f90703207824 --- /dev/null +++ b/chunks/txt/6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841.txt @@ -0,0 +1,181 @@ +image/png + +EnergyEfficientAndGreenFeaturesExhibit + +\\Images\SF4_DOE.png + +image/png + +SiteInfluence + +\\Images\SF4_ResidentialView.png + +image/png + +DwellingRear + +\\Images\SF4_DwellingRear.png + +image/png + +DwellingExteriorExhibit + +\\Images\SF4_DwellingSide.png + +image/png + +2019-09-08 + +Physical + +Physical + +79 + +true + +79 + +799900 + +825000 + +2019-09-08 + +XYZ 0387300 + +2019-06-20 + +Pending + +MLS + +25.165173 + +-51.328125 + +Route 7 to the north, Route 611 to the east, and Route 50 to the south and west. + +12 + +Limiting factors of the market search include leasehold, a Lot Size between 7,500 and 21,780 square feet, with a property containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 bedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage. + +15 + +875000 + +599900 + +95 + +810000 + +ActiveListings + +3 + +PendingSales + +34 + +949999 + +599900 + +810000 + +TotalSales + +ThreeToSixMonths + +InBalance + +false + +Unreal Farms + +Unreal Farm S.1 PCL.300201121002432 F-895-4 BLA 3573702301420 Use agreement 71 + +14000 + +LandWithDwelling + +AssessorUnformattedIdentifier + +F-895-4 + +640 + +Wood + +Deck + +Deck 1 and Deck 2 + +\\Images\SF4_Deck.png + +image/png + +160 + +Wood + +Deck + +Deck 1 and Deck 2 + +\\Images\SF4_Deck.png + +image/png + +240 + +Concrete + +Patio + +\\Images\SF4_Patio.png + +image/png + +300 + +Concrete + +Porch + +\\Images\SF4_Porch.png + +image/png + +OutdoorLiving + +Concrete + +IngroundPool + +\\Images\SF4_Pool.png + +image/png + +Other + +Diving Board + +WaterFeatures + +1 + +IndoorFireplace + +\\Images\SF4_Fireplace.png + +image/png + +1 + +WoodStove + +\\Images\SF4_WoodStove.png + +image/png diff --git a/chunks/txt/6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1.txt b/chunks/txt/6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..310c8efc5253716a7b2bba32064ec903d15bb2e6 --- /dev/null +++ b/chunks/txt/6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1.txt @@ -0,0 +1,39 @@ +29.019 + +The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage +insurance purposes only. + +Certifications + +Appraiser Certifications + +29.020 + +The Appraiser certifies and agrees that: + +29.021 + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +29.022 + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +29.023 + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +29.024 + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +29.025 + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. diff --git a/chunks/txt/6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492.txt b/chunks/txt/6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492.txt new file mode 100644 index 0000000000000000000000000000000000000000..096dd298f47626ff12a3a58bceded4e561fdaec1 --- /dev/null +++ b/chunks/txt/6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492.txt @@ -0,0 +1,126 @@ +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/APPRAISER_LICENSE[@_Type='Cert +ificate']/@_Identifier + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +or State License # + +Appraiser License +Identifier + +State license number of the appraiser +who completed the final estimate of +value for the subject property. + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/APPRAISER_LICENSE[@_Type='Lice +nse']/@_Identifier + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +State + +Appraiser License +State + +The state in which the appraiser is +licensed. + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/APPRAISER_LICENSE/@_State + +50 + +25 + +2 + +String + +UAD Requirement – Refer to Appendix D Appraiser Certification +Section + +String + +UAD Requirement – Refer to Appendix D Appraiser Certification +Section + +String + +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• USPS two-letter state or territory representation +UAD Requirement – Refer to Appendix D Appraiser Certification +Section + +510 + +6 + +37 + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Expiration Date of +Certification or License + +Appraiser License +Expiration Date + +The expiration date of the appraiser's +license. + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/APPRAISER_LICENSE/@_Expiration +Date + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +511 + +512 + +6 + +6 + +38 + +39 + +APPRAISER +CERTIFICATION + +Did not inspect subject +property + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +APPRAISER +CERTIFICATION + +Did inspect exterior of +subject property from +street + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. diff --git a/chunks/txt/6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47.txt b/chunks/txt/6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47.txt new file mode 100644 index 0000000000000000000000000000000000000000..eafe34eb9be4c56876d6b6fd5cba380cc4a40a9c --- /dev/null +++ b/chunks/txt/6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47.txt @@ -0,0 +1,118 @@ +The sum of this field 3-91 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3- +86, 3-87, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 118 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +432 + +3 + +92 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Gross Living Area Sq.Ft. + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘GrossLivingArea’]/@_Description + +6 + +String + +433 + +3 + +93 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Gross Living Area Sq.Ft. +Adjustment + +Sale Price +Adjustment +Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘GrossLivingArea’]/@_Amount + +10 + +Money + +PDF Display Format: +Whole dollars only. diff --git a/chunks/txt/6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187.txt b/chunks/txt/6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187.txt new file mode 100644 index 0000000000000000000000000000000000000000..f634450c5eb77f31192b930390dfab268e0a297e --- /dev/null +++ b/chunks/txt/6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187.txt @@ -0,0 +1,52 @@ +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included in +this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12d, 6-20d) and must +be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement – Refer to Appendix D Reconciliation Section + +Money + +PDF Display Format: +Numeric, whole numbers only. + +Note: This data is referenced more than once on the form (field 3-132) and must be +represented consistently. + +UAD Requirement - Refer to Appendix D Appraiser Certification Section +This field must contain either the name of the management company involved or the +text 'No AMC'. + +This field contains the lender/client company name. This data is referenced more than +once on the form (refer to field 1-37) and must be represented consistently, to the +extent the available space permits. The printed version of this field must appear +completely in at least one location on the form, but may be truncated in the other +location + +This address information is treated differently from other address fields on the appraisal +form in order to accomodate lender requirements. + +String + +String + +String + +String + +String + +String + +This is a free text field which should contain the supervisory appraiser's company name. + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +• Address unit designator and number (if applicable) diff --git a/chunks/txt/6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be.txt b/chunks/txt/6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be.txt new file mode 100644 index 0000000000000000000000000000000000000000..02a3dae19c31bafbfb2f005427ef87735f7df574 --- /dev/null +++ b/chunks/txt/6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be.txt @@ -0,0 +1,18 @@ +## Rural Areas and High Needs Rural Regions Data + +--- + +**Year** **Format** **Dictionary** **Map(s)** **DTS Plan Cycle​** 2025 [[ZIP]](/document/dts_rural_2025.zip) [[PDF]](/document/dts_rural_readme_2025.pdf) [[PDF High-needs Rural Regions Map]](/document/dts_county_map_2025.pdf) + +[[TABLEAU High-needs Rural Regions Map]](/data/dashboard/dts/high-needs-counties-map/2025) 2025-2027 (applies to plan years 2026 and 2027) +(2020 Census Tracts) +**Effective January 1, 2026** ​2023* ​[​[ZIP]](/sites/default/files/2023-10/rural2023.zip) [[P​DF]](/sites/default/files/2023-10/DTS_Rural_README_2023.pdf)​ [[TABLEAU All Rural Tracts Map](/data/dashboard/dts/all-rural-tracts-map/2023)] + +[[TAB​LEAU High-needs Rural Regions Map]](/data/dashboard/dts/high-needs-counties-map/2023)​ + +[​[PDF High-needs Rural Regions Map]](/sites/default/files/2023-10/dts_county_map_2023.pdf) 2022-2024 and 2025 +(2020 Census Tracts) +**Effective July 1, 2023**​ ​2022 [​[ZIP]](/sites/default/files/2023-10/rural2022.zip) [​[PDF]](/sites/default/files/2023-03/rural_readme_2022.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2022.pdf) + +[[TABLEAU]](/data/dashboard/dts/high-needs-counties-map/2022) 2022-2024 +(2020 Census Tracts)​ ​2021 [​[ZIP]](/sites/default/files/2023-10/rural2021.zip) [​[PDF]](/sites/default/files/2023-10/Rural_README_2021.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2021.pdf) diff --git a/chunks/txt/6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9.txt b/chunks/txt/6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9.txt new file mode 100644 index 0000000000000000000000000000000000000000..58b7b9104719f33e668166a0f5b74b8c0c1d5e79 --- /dev/null +++ b/chunks/txt/6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9.txt @@ -0,0 +1,30 @@ +When the most recent expected deposit is present for a borrower’s employer, DU will provide updated messaging to extend the +close-by date for employment an additional 15-days or up to the next expected deposit date for a borrower (whichever is greater +as noted above). Employment that is validated by DU using both the original asset verification report and the supplemental +deposit-based asset verification report will receive relief from enforcement of related representations and warranties if the loan +closes by the date specified in the DU messages and all other conditions of the DU validation service are met. + +Expanded Eligibility for Income and Employment Validation Messaging + +As of this release, more loans will be eligible for income and employment validation using an asset verification report. Effective +with this release: + +• All loan casefiles will be eligible to receive income and employment validation messages irrespective of the + +• + +debt-to-income (DTI) ratio. Previously, those with a debt-to-income ratio greater than 45.000% were ineligible. +Lenders can receive validation messages regardless of DU’s underwriting recommendation (only casefiles with +Approve/Eligible recommendations received these messages prior to this release). + +© 2024 Fannie Mae + +7.31.24 1 of 2 + +Note: These changes apply only to income and employment validation using an asset verification report. There are currently no +DTI or underwriting recommendation constraints on validation using an income and employment verification report. + +For More Information + +For more information about the digital validation that is supported by asset verification reports, visit our website for resources +and information for lenders. diff --git a/chunks/txt/6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af.txt b/chunks/txt/6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af.txt new file mode 100644 index 0000000000000000000000000000000000000000..24e3b5fd333d6ee1f4fc6b429281cef36323bb58 --- /dev/null +++ b/chunks/txt/6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af.txt @@ -0,0 +1 @@ +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/351&order=field_release_date&sort=asc) Report Attachment December 03, 2025 [Prepayment Monitoring Report Third Quarter 2025](/reports/prepayment-monitoring-report/2025/Q3) [Read Report](/document/Prepayment-Monitoring-Report-2025Q3.pdf) September 26, 2025 [Prepayment Monitoring Report Second Quarter 2025](/reports/prepayment-monitoring-report/2025/Q2) [Read Report](/document/prepayment-monitoring-report_2025q2.pdf) June 11, 2025 [Prepayment Monitoring Report First Quarter 2025](/reports/prepayment-monitoring-report/2025/Q1) [Read Report](/document/prepayment-monitoring-report_2025q1.pdf) February 12, 2025 [Prepayment Monitoring Report Fourth Quarter 2024](/reports/prepayment-monitoring-report/2024/Q4) [Read Report](/document/Prepayment-Monitoring-Report_2024Q4.pdf) November 27, 2024 [Prepayment Monitoring Report Third Quarter 2024](/reports/prepayment-monitoring-report/2024/Q3) [Read Report](/document/prepayment-monitoring-report-2024-q3) August 28, 2024 [Prepayment Monitoring Report Second Quarter 2024](/reports/prepayment-monitoring-report/2024/Q2) [Read Report](/document/prepayment-monitoring-report-2024-q2) May 24, 2024 [Prepayment Monitoring Report First Quarter 2024](/reports/prepayment-monitoring-report/2024/Q1) [Read Report](/document/prepayment-monitoring-report-2024-q1) February 26, 2024 [Prepayment Monitoring Report Fourth Quarter 2023](/reports/prepayment-monitoring-report/2023-Q4) [Read Report](/document/prepayment-monitoring-report-fourth-quarter-2023) November 16, 2023 [Prepayment Monitoring Report Third Quarter 2023](/reports/prepayment-monitoring-report/2023-Q3) [Read Report](/media/51451) August 18, 2023 [Prepayment Monitoring Report Second Quarter 2023](/reports/prepayment-monitoring-report/2023-Q2) [Read Report](/media/51986) June 02, 2023 [Prepayment Monitoring Report First Quarter 2023](/reports/prepayment-monitoring-report/2023-Q1) [Read Report](/document/prepayment-monitoring-report-2023-q1) November 30, 2022 [Prepayment Monitoring Report Third Quarter 2022](/reports/prepayment-monitoring-report/2022-Q3) [Read Report](/media/30396) August 23, 2022 [Prepayment Monitoring Report - Second Quarter 2022](/reports/prepayment-monitoring-report/2022-Q2) [Read Report](/document/prepayment-monitoring-report-2q2022) May 12, 2022 [Prepayment Monitoring Report First Quarter 2022](/reports/prepayment-monitoring-report/2022-Q1) [Read Report](/document/prepayment-monitoring-report-1q2022) February 28, 2022 [Prepayment Monitoring Report Fourth Quarter 2021](/reports/prepayment-monitoring-report/2021-Q4) [Read Report](/document/prepayment-monitoring-report-4q2021) November 29, 2021 [Prepayment Monitoring Report Third Quarter 2021](/reports/prepayment-monitoring-report/2021-Q3) [Read Report](/document/prepayment-monitoring-report-3q2021) August 06, 2021 [Prepayment Monitoring Report - Second Quarter 2021](/reports/prepayment-monitoring-report/2021-Q2) [Read Report](/document/prepayment-monitoring-report-2q2021) May 10, 2021 [Prepayment Monitoring Report First Quarter 2021](/reports/prepayment-monitoring-report/2021-Q1) [Read Report](/document/prepayment-monitoring-report-first-quarter-2021) March 02, 2021 [Prepayment Monitoring Report Fourth Quarter 2020](/reports/prepayment-monitoring-report/2020-Q4) [Read Report](/document/prepayment-monitoring-report-fourth-quarter-2020) November 30, 2020 [Prepayment Monitoring Report Third Quarter 2020](/reports/prepayment-monitoring-report/2020-Q3) [Read Report](/document/prepayment-monitoring-report-third-quarter-2020) August 24, 2020 [Prepayment Monitoring Report Second Quarter 2020](/reports/prepayment-monitoring-report/2020-Q2) [Read Report](/document/prepayment-monitoring-2020q2) June 08, 2020 [Prepayment Monitoring Report - First Quarter 2020](/reports/prepayment-monitoring-report/2020-Q1) [Read Report](/document/prepayment-monitoring-report-1q2020) February 12, 2020 [Prepayment Monitoring Rep diff --git a/chunks/txt/6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd.txt b/chunks/txt/6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd.txt new file mode 100644 index 0000000000000000000000000000000000000000..91db51a3109af5df4e4cffc962acb3bf51230368 --- /dev/null +++ b/chunks/txt/6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd.txt @@ -0,0 +1,152 @@ +Recommended +Action + +TXC-I + +TCH +TB + +H1 + +Site Valuation Methodology + +TXR-B + +Opinion of Site Value + +TXR-B + +Primary Site Valuation Method + +# + +Address + +County + +Data Source + +Assessor Parcel +Number (APN) + +Site Size + +Sale Date + +Price + +TCH +TB + +TXC-B + +Reconciliation of Site Value + +Site Commentary + +H1 +TXC + +H1 + +Site Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +2 COLUMN PAGE FORMAT + +HDR-R + +HDR-L + +TAB + +Disaster Mitigation + +TXR-B + +Mitigation Feature + +H1 + +Disaster Mitigation Commentary + +TXC + +H1 + +Disaster Mitigation Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +HDR-R + +2 COLUMN PAGE FORMAT + +TAB + +Energy Efficient and Green Features +Energy Efficient and Green Features + +TXR-B + +Known Renewable Energy Components +Known Renewable Energy Components + +Renewable Energy Component +Renewable Energy Component + +Ownership +Ownership + +Financing Arrangement +Financing Arrangement + +TCH +TB + +TXR-B + +Known Building Certifications +Known Building Certifications + +Building Certification Organization +Building Certification Organization + +Certification +Certification + +Year +Year + +Version +Version + +Rating +Rating + +TCH +TB + +TXR-B + +Known Efficiency Ratings +Known Efficiency Ratings + +Green/Energy Efficiency Rating +Green/Energy Efficiency Rating +Organization +Organization + +Rating +Rating diff --git a/chunks/txt/6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830.txt b/chunks/txt/6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830.txt new file mode 100644 index 0000000000000000000000000000000000000000..43fe85345e88ede1bb60fa929aae15cddfee0a98 --- /dev/null +++ b/chunks/txt/6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830.txt @@ -0,0 +1,130 @@ +external depreciation. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Cost Approach – Depreciation (Dwelling) + +25.010 Physical + +Depreciation + +Required if Total +Depreciation is not +provided + +Percent + +Dwelling Physical Depreciation Percent – Can be 0. + +Appendix F-1: URAR Reference Guide + +Page 313 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +25 Cost Approach + +Report +Field ID + +Report Label + +When to Include + +25.011 Physical + +Depreciation + +25.012 + +Functional +Depreciation + +25.013 + +Functional +Depreciation + +25.014 External + +Depreciation + +25.015 External + +Depreciation + +25.016 Total + +Depreciation + +Required if Total +Depreciation is not +provided + +Required if Total +Depreciation is not +provided + +Required if Total +Depreciation is not +provided + +Required if Total +Depreciation is not +provided + +Required if Total +Depreciation is not +provided + +Required if Physical, +Functional and +External Depreciation +are not provided + +Cost Approach – Depreciation (Dwelling) + +Allowable +Answers / Format + +Dollar amount + +Definition / Additional Guidance + +Dwelling Physical Depreciation Amount +Calculated: Dwelling Physical Depreciation Percent x sum of all the Area Type +Costs for the dwelling. + +Percent + +Dwelling Functional Depreciation Percent – Can be 0. + +Dollar amount + +Dwelling Functional Depreciation Amount +Calculated: Dwelling Functional Depreciation Percent x sum of all the Area Type +Costs for the dwelling. + +Percent + +Dwelling External Depreciation Percent – Can be 0. + +Dollar amount + +Dollar amount + +Dwelling External Depreciation Amount +Calculated: Dwelling External Depreciation Percent x sum of all the Area Type +Costs for the dwelling. diff --git a/chunks/txt/6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7.txt b/chunks/txt/6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7.txt new file mode 100644 index 0000000000000000000000000000000000000000..3129f2543785ef4478ba7eb4b641bbca053631d6 --- /dev/null +++ b/chunks/txt/6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7.txt @@ -0,0 +1,42 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Page 135 + +• Opinion of Site Value – SiteEstimatedValueAmount (UID: 1100.0030, FID: 4.105) always displays when Site Valuation Methodology is + +included. + +• Primary Site Valuation Method – SiteValuationMethodType (UID: 1100.0033, FID: 4.106) always displays when Site Valuation + +Methodology is included. + +• When Primary Site Valuation Method – SiteValuationMethodType (UID: 1100.0033, FID: 4.106) = “SalesComparison” AND + +@ValuationUseType = ”LandComparable”, additional information is needed: + +o Address or APN must be provided. If both are provided, both should be delivered in the data and displayed on the report. +o Address displays when Assessor Parcel Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 4.111) is null. + +▪ # - PropertyOrdinalNumber (UID: 1100.0015, FID: 4.107) +▪ Address + +• AddressLineText (UID: 1100.0005, FID: 4.108) +• CityName (UID: 1100.0007, FID: 4.108) +• PostalCode (UID: 1100.0009, FID: 4.108) +• StateCode (UID: 1100.0010, FID: 4.108) + +▪ County - CountyName (UID: 1100.0008, FID: 4.109) + +o Assessor Parcel Number (APN) displays when Address - AddressLineText (UID: 1100.0005, FID: 4.108) is null. + +▪ Assessor Parcel Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 4.111) + +o Data Source –DataSourceIdentifier (UID: 1800.0347, FID: 4.110) + +o Displays when ((@ValuationUseType = "SalesComparable" OR "GrossRentMultiplierComparable" OR + +"RentalComparable" OR "LandComparable") AND DataSourceType = "MLS") OR +((@ValuationUseType = "SalesComparable" OR "GrossRentMultiplierComparable" OR "RentalComparable" OR +"LandComparable") AND Exists) +Identifier, when provided, displays in the same cell as Data Source +If there are multiple data sources, they display in the same cell separated by a “|” (e.g., MLS 123456 | Zoning) diff --git a/chunks/txt/6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9.txt b/chunks/txt/6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..6114b9041a8b9331064c5a676346812ad38aa88c --- /dev/null +++ b/chunks/txt/6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9.txt @@ -0,0 +1,41 @@ +As examples, lenders may structure the construction loan period as follows: + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 167 of 166 + +UAD 3.6 Policy + +three 6–month periods, + +• +• one 12–month period and one 6–month period, or +• + +six 3–month periods. + +Exceptions to the 12-month and 18-month periods will not be granted. The above construction period requirements do not apply +to two-closing construction-to-permanent transactions. If the construction loan period exceeds the requirements above, the +lender must process the loan as a two-closing construction-to-permanent transaction in order for the loan to be eligible for sale +to Fannie Mae (see Selling Guide B5-3.1-03, Conversion of Construction-to-Permanent Financing: Two-Closing Transactions). + +Eligible Loan Purposes for Single-Closing Construction-to-Permanent Mortgages + +A single-closing construction-to-permanent mortgage loan may be closed as: + +• +• + +a purchase transaction, or +a limited cash-out refinance transaction. + +When a purchase transaction is used, the borrower is not the owner of the lot at the time of the first advance of interim +construction financing, and the borrower is using the proceeds from the interim construction financing to purchase the lot and +finance the construction of the property. + +When a limited cash-out refinance transaction is used, the borrower must have held legal title to the lot before they receive the +first advance of interim construction financing. The borrower is using the proceeds from the construction financing to pay off any +existing liens on the lot and finance the construction of the property. This type of transaction is not a “true” limited cash-out +refinance whereby the borrower refinances a loan(s) that was used to purchase a completed property; however, all other +requirements for limited cash-out refinances apply. See Selling Guide B2-1.3-02, Limited Cash-Out Refinance Transactions and the +limited cash-out refinance requirements in Selling Guide B5-2-03, Manufactured Housing Underwriting Requirements. diff --git a/chunks/txt/6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a.txt b/chunks/txt/6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a.txt new file mode 100644 index 0000000000000000000000000000000000000000..4eddf98d3aeb50812b87d6ef0a61e7666928fe80 --- /dev/null +++ b/chunks/txt/6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a.txt @@ -0,0 +1,299 @@ +false + +Carpets, Tile, Hardwood + +Flooring + +ModeratelyUpdated + +Standard 8-9 Ft. Ceilings + +WallsAndCeiling + +200 + +3562 + +1000 + +false + +5 + +3 + +1 + +C4 + +Q4 + +Mid Grade Finishes + +NotUpdated + +Comp 2 Primary + +Mid Grade Quality + +Kitchen + +FullyUpdated + +0 + +500 + +true + +1 + +1 + +0 + +C4 + +Q4 + +Comp 2 ADU + +Colonial + +Vinyl + +ExteriorWallsAndTrim + +true + +Composition + +Roof + +C3 + +Q4 + +2 + +ForcedWarmAir + +true + +Outbuilding + +true + +Studio + +Electricity + +0 + +400 + +Outbuilding + +true + +PoolHouse + +Electricity + +0 + +192 + +PropertyPhoto + +\\Images\SF4_Comp2.png + +image/png + +76 + +839900 + +SettledSale + +25.164175 + +-51.328127 + +Deck + +Deck + +Patio + +Porch + +OutdoorLiving + +IngroundPool + +WaterFeatures + +1 + +Detached + +1 + +true + +1 + +C4 + +Q4 + +true + +Leasehold + +false + +false + +1200 + +false + +true + +2018-07-01 + +2019-01-01 + +820000 + +Sale + +NotDisclosed + +2017-04-13 + +DeedTransferOnly + +None + +Asphalt + +Local + +false + +9000 + +Full + +Mountain + +35422 Peace Rd + +Somewhere + +12345 + +VA + +Driveway + +Asphalt + +4 + +false + +Detached + +Garage + +2 + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +0 + +PropertyRightsAppraised + +0 + +SiteSize + +0 + +PropertyStreetAccessAndSurface + +0 + +YearBuilt + +0 + +EnergyEfficientAndGreenFeatures + +0 + +LivingUnitBedroomCount + +Comp 3 Primary + +20000 + +LivingUnitBathroomCount + +Comp 3 Primary + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp 3 Primary + +-22400 + +LivingUnitStandardFinishedAreaBelowGrade + +Comp 3 Primary + +3760 + +LivingUnitUnfinishedAreaBelowGrade + +Comp 3 Primary + +0 + +AccessoryDwellingUnitLocation + +Comp 3 ADU + +-37500 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp 3 ADU + +28160 + +LivingUnitStandardFinishedAreaBelowGrade + +Comp 3 ADU + +10000 + +OutdoorLivingAmenity + +10000 diff --git a/chunks/txt/6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039.txt b/chunks/txt/6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039.txt new file mode 100644 index 0000000000000000000000000000000000000000..8566439074e2909ae2d82b96a04b4dd6afcfd461 --- /dev/null +++ b/chunks/txt/6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/collateral-pledged-to-fhlbanks" +date_accessed: "2026-01-27T17:47:57.080Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46.txt b/chunks/txt/6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46.txt new file mode 100644 index 0000000000000000000000000000000000000000..45e0c85eb5a1e5bc429eb51278d1d1d05c254da4 --- /dev/null +++ b/chunks/txt/6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46.txt @@ -0,0 +1,60 @@ +5 + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field must indicate the month and year of the event indicated by field e-29. No +intent to collect time or day in this field. If the value of field e-29 is ‘SettledSale’, +then the second instance of this field must indicate the month and year of the contract +date. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if the value of field e-29 +(GSE Listing Status Type) is not ‘Active’. If +the value of field e-29 is ‘SettledSale’ and the +value of field e-31 is ‘N’, then a second instance +is required. + +Data Format: +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +For settled sales, this field indicates whether or not the contract date is unknown +(‘Y’ indicates unknown, ‘N’ indicates known). + +3 + +Boolean + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +Refer to Appendix E for PDF Rendering and Parsing Instructions + +This field is required if the value of field e-29 +(GSE Listing Status Type) is ‘SettledSale’. + +The sum of this field 2-57 and fields (2-53, 2- +55, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, 2- +73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2- +90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. diff --git a/chunks/txt/6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c.txt b/chunks/txt/6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fcf390dd1cd1fe88f8736d73d4946d423603c55 --- /dev/null +++ b/chunks/txt/6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c.txt @@ -0,0 +1,40 @@ +b. The Containers in a Parent Container may not always be in alphabetical order. For example, the +MISMO Containers under PARTY are not aligned in alphabetical order; however, it should be +taken into consideration when building the Loan Application Submission file and validating it +against the schema. The validation may generate an error if you are strictly following the +alphabetical order. Refer to example 1 below where we demonstrate the Elements (Containers) are +not in alphabetical order as in the XML: + +Not In +Alphabetic +Order + +Example 1 Order of Containers in MISMO Schema + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +5 + +Chapter 2: Implementation Options - Overview +This chapter includes the following topics: + +▪ Understanding the MISMO v3.4 Reference Model Build 324 +▪ Understanding Fannie Mae’s DU Spec +▪ Government Loans +▪ Credit Request +▪ EarlyCheckTM + +Understanding the MISMO v3.4 Reference Model Build 324 +The DU Spec is based on the MISMO v3.4 Reference Model Build 324. In order to create a Loan +Application Submission file that works with MISMO v3.4 we recommend you have a full understanding +of the MISMO v3.4 Reference Model and its supporting artifacts. Getting familiar with MISMO key terms +will help in navigating through MISMO v3.4 and its supporting documents. Refer to the Glossary section +of this document for more information on key MISMO terms. + +The MISMO v3.4 Reference Model +The MISMO v3.4 Reference Model is a framework representing data and the collection of data grouped +under a consistent concept. The model includes over 10,000 data points and enumerations with definitions +and allowable values. The schema is a representation of this data and relationships and must be used when +implementing the Loan Application Submission file. diff --git a/chunks/txt/6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229.txt b/chunks/txt/6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229.txt new file mode 100644 index 0000000000000000000000000000000000000000..94be56028c3663f0c407b03976281b72bf0f7838 --- /dev/null +++ b/chunks/txt/6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229.txt @@ -0,0 +1,44 @@ +to Close table. + +3. Provide the final line item value from the Closing Disclosure. + +4. Compare the values to determine if they are different (for reasons other than rounding). + +a. + +If not, disclose “NO” for Did this change? + +b. If yes, disclose “YES” for Did this change, and provide an explanation with form reference. If + +applicable, boilerplate text is included identifying violation of tolerance limits: “Increase exceeds +legal limits by $____. See Lender Credits on p. 2.” If a tolerance cure is required, it must be +noted on the last line of the TOTAL CLOSING COSTS table as part of the Lender Credits line item +description (9.3.1). + +The data points supporting this pattern are grouped in CASH TO CLOSE ITEM, which repeats for each line item. + +10. 3 CLOSI NG COSTS FI NANCED + +The Closing Costs Financed line item does not require a comparison of the Loan Estimate and Final values in the +Alternative Cash to Close table. + +10. 9 CASH TO CLOSE + +The Cash to Close line item does not require a comparison of the Loan Estimate and Final values. It provides the +totals of all line items for the Loan Estimate column and the Final column. The Alternative Cash to Close table +also requires an indication of whether these total amounts are due to or from the borrower (10A.9.3 | 10A.9.4). + +Table 104. Alternative Calculating Cash to Close Table shows the data points used in support of the Cash to +Close Table. + +Appendix E: UCD Implementation Guide + +Page 157 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.A Alternative Calculating Cash To Close Table + +Table 104. Alternative Calculating Cash to Close Table diff --git a/chunks/txt/6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4.txt b/chunks/txt/6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..88c6bc4e6d2a6b398d4f7f2a91931936168a198a --- /dev/null +++ b/chunks/txt/6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4.txt @@ -0,0 +1,101 @@ +SF NFB + +10 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +11 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File B + +Header Name + +Field Name + +Values + +Description / Comments + +race_ethnicity_borr + +Borrower Race or +National Origin, and +Ethnicity + +1 = American Indian or Alaska Native +2 = Asian +3 = Black or African American +4 = Native Hawaiian or Other Pacific +Islander +5 = White +6 = Two or more races +7 = Hispanic or Latino +9 = Not available/not applicable + +Categories 1-7 consolidate information on +borrower race and ethnicity reported by the +Enterprise. Categories 1 through 6 include +only borrowers not identified as Hispanic or +Latino. Categories 1-5 include non-Hispanic +or Latino borrowers identifying only one race +category. Category 6 includes non-Hispanic or +Latino borrowers identifying two or more +races. Category 7 includes borrowers +identified as Hispanic or Latino, of any race. +Category 9 includes mortgages for which no +borrower race or ethnicity is identified, +originally coded as information not provided +by the borrower in a mail or telephone +application, not applicable, or not available. + +SF NFB + +11 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +12 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File B + +Header Name + +Field Name + +Values + +Description / Comments + +race_ethnicity_coborr + +Co-Borrower Race or +National Origin, and +Ethnicity + +1 = American Indian or Alaska Native +2 = Asian +3 = Black or African American +4 = Native Hawaiian or Other Pacific +Islander +5 = White +6 = Two or more races +7 = Hispanic or Latino +9 = Not available/not applicable diff --git a/chunks/txt/6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199.txt b/chunks/txt/6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199.txt new file mode 100644 index 0000000000000000000000000000000000000000..7eab5353343c9898bbf4562ffe7258a1531dcd0f --- /dev/null +++ b/chunks/txt/6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199.txt @@ -0,0 +1,174 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if the value of field e-29 +(GSE Listing Status Type) is 'SettledSale'. + +CR + +CR + +CR + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 2-57 and fields (2-53, 2- +55, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, +2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 59 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +308 + +2 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +(Overall Rating) + +GSE Overall +Location Rating Type + +The overall rating of the location +associated with the property. + +309 + +2 + +e-15 + +SALES +COMPARISON +APPROACH + +Location + +(Location Type) + +GSE Location Type + +The type of location influences +associated with the property. + +310 + +2 + +e-16 + +SALES +COMPARISON +APPROACH + +Location + +(Location Type Other +Description) + +GSE Location Type +Other Description + +Text entry when 'Other' is selected as +Location Type. + +311 + +312 + +313 + +2 + +2 + +2 + +59 + +60 + +61 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Location Adjustment + +Sale Price +Adjustment Amount diff --git a/chunks/txt/6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb.txt b/chunks/txt/6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb.txt new file mode 100644 index 0000000000000000000000000000000000000000..e964597b8bd478f9b533290399d3fe5fce859e17 --- /dev/null +++ b/chunks/txt/6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb.txt @@ -0,0 +1,35 @@ +See FHFA’s interactive Mortgage Loan and Natural Disaster Dashboard that combines data from FHFA’s PUDB reports on single-family and multifamily acquisitions for the regulated entities, FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas [here](/data/dashboard/mortgage-loan-and-natural-disaster). + +See a FAQ page on how to use the Mortgage Loan and Natural Disaster Dashboard [here](/faqs/mortgage-loan-and-natural-disaster). + +See a blog post detailing insights and uses of the Mortgage Loan and Natural Disaster Dashboard [here](/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl). + +## **Natural Disaster Risk Blog Series** + +[**The Need to Address Climate Risk**](/blog/statistics/the-need-to-address-climate-risk) + +August 28, 2023 + +Author: + +**Daniel E. Coates** + +Deputy Director, FHFA Division of Research and Statistics + +Chair, Climate Change and ESG Steering Committee + +Executive Sponsor, Climate Change and ESG Working Groups + +[**FHFA’s Fall 2023 Econ Summit on Climate Risk**](https://www.fhfa.gov/blog/insights/fhfa-fall-2023-econ-summit-on-climate-risk) + +January 22, 2024 + +[**Incorporating Climate-Related Risks into Governance**](https://www.fhfa.gov/blog/insights/incorporating-climate-related-risks-into-governance) + +April 22, 2024 + +[**Lessons Learned from Assessing Exposure to Climate-Related Risks**](https://www.fhfa.gov/blog/insights/lessons-learned-from-assessing-exposure-to-climate-related-risks) + +May 1, 2024 + +[**Energy Transition Risk in the Housing Market**](https://www.fhfa.gov/blog/insights/energy-transition-risk-in-the-housing-market) diff --git a/chunks/txt/6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690.txt b/chunks/txt/6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690.txt new file mode 100644 index 0000000000000000000000000000000000000000..07fda915fba270facadc12d721cfac35527ade38 --- /dev/null +++ b/chunks/txt/6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690.txt @@ -0,0 +1,97 @@ +Unit1--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit2--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit3--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit4--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit1-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit2-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Page 2 of 5 + +Column + +48 Rent3 + +49 Rent4 + +50 RentUt1 + +51 RentUt2 + +52 RentUt3 + +53 RentUt4 + +54 Geog + +55 Rate +56 Amount +57 Front +58 Back +59 BoCreditScor + +60 CoBoCreditScor + +61 PMI + +62 Self + +63 PropType + +64 ArmIndex + +65 ArmMarg + +66 PrepayP + +67 BoEth + +AMA_PUDB_definitions_123115.xlsx + +Definition +Unit3-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit4-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit1--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit2--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit3--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit4--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Geographically Targeted Indicator indicating whether the property is in census tracts +annually classified as underserved by HUD +1=yes; +2=no +Interest Rate +Loan Amount in Whole Dollars +Front-end Ratio +Back-end Ratio +Credit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700 +< 760, 5 = 760 or greater 9=missing +Credit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700 +< 760, 5 = 760 or greater, 9 = missing or no co-borrower +Percent of the original loan balance covered by primary mortgage insurance (PMI) +0=no PMI diff --git a/chunks/txt/6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635.txt b/chunks/txt/6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635.txt new file mode 100644 index 0000000000000000000000000000000000000000..9fe147695bf8392d9e7f1d908fbb54cd1a18d463 --- /dev/null +++ b/chunks/txt/6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635.txt @@ -0,0 +1,54 @@ +regardless of usage. + +• Utilities are reported in the outbuilding Detail subsection. +• + +In the Outbuilding Area table, the finished and unfinished areas are reported as 0 sq. ft., and the Room +Summary column is blank. + +o Area detail for the 2-car garage is reported in Vehicle Storage and not in the Outbuilding Area table. +o The area and rooms for the ADU are reported as part of the Unit Interior section for the ADU, and + +not in the Outbuilding Area table. + +• Because the outbuilding includes an ADU, heating and cooling information is reported in the Mechanical + +System Details subsection, instead of the Detail subsection (checkboxes). + +Unit Interior – ADU/Garage - ADU + +Notes: +• Only the portions of Unit Interior that address areas and rooms for the ADU are included in this appendix. +Reference the 10 Unit Interior chapter of this document for details on the reporting and display of this +section. +In this example, Outbuilding Type is ADU/Garage, and Unit Identifier is ADU. + +• + +Appendix F-1: URAR Reference Guide + +Page 368 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 4: Detached Garage Examples + +Area Breakdown + +Level and Room Detail + +Vehicle Storage + +Only the area and details that are specific to the subject’s driveway and garage are reported in this section. + +Sales Comparison Approach + +In this example, Comparable #1 has a below grade ADU in the primary dwelling, and a heated 2-car garage with +no additional separate area. Comparable #1 has no additional outbuildings. + +Unit(s) Subsection for the ADU + +Information about the subject property’s ADU populates from the Unit Interior section. +• diff --git a/chunks/txt/6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c.txt b/chunks/txt/6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c.txt new file mode 100644 index 0000000000000000000000000000000000000000..18861e67b5df67ab4ec2d7f1460bd0be007b6f8e --- /dev/null +++ b/chunks/txt/6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c.txt @@ -0,0 +1,128 @@ +Market + +Market Area Boundary + +Search Criteria Description + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +Price Trend Analysis Commentary + +Housing Trends + +Demand/Supply + +Market Commentary + +Market Exhibits + +Sales in Past + +Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +Marketing Time + +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 + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Project Completeness + +Are units, common areas, and amenities in project +complete? +Subject Property Building Complete +Converted in Past 3 Years + +Ground Rent + +Annual Amount +Expires + +Description of Ground Rent + +Yes No +  + +  +  +  + +Yes No +  + +Yes No +  + +Proprietary Lease Expires + +First Lien + +Second Lien + +Third Lien + +Fourth Lien + +Project Name +Project Information Data Source +Total Units +Units Sold +Units for Sale +Units Rented + +Reason Units Rented is Estimated +Mandatory Fees (HOA, PUD, or Co-op) + +Monthly Amount +Common Amenities/ +Services Included +Utilities Included + +Observed Deficiencies + +Description of Deficiencies + +Cooperative Information + +Shares Issued and Outstanding +Shares Attributable to Subject Property + +Project Blanket Financing + +Pro Rata Share + +Lien Detail +Unpaid Principal Balance + +Line of Credit + +Balloon Mortgage + +Remaining Term + +Monthly Payment diff --git a/chunks/txt/6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de.txt b/chunks/txt/6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a0d424aa2e855457b14efcc8ac4d4b807ccd4c8 --- /dev/null +++ b/chunks/txt/6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de.txt @@ -0,0 +1,178 @@ +TXC-B + +Price Trend Analysis Commentary + +H1 + +Housing Trends + +TXR-B + +Demand/Supply + +H1 +TXC + +H1 + +Market Commentary + +Market Exhibits + +2 COLUMN PAGE FORMAT + +HDR-R + +TXR-B +TXR-I +TXR-I +TXR-I +TXR-B +TXR-B +TXR-B + +Sales in Past + +Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +TXR-B + +Marketing Time + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +HDR-R + +2 COLUMN PAGE FORMAT + +TAB + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +CK-TAB + +TXR-B + +Project Completeness + +CK-1I + +CK-1I + +CK1 +TXR-I +TXR-I + +Are units, common areas, and amenities in project +complete? +Subject Property Building Complete +Converted in Past 3 Years + +Ground Rent + +Annual Amount +Expires + +TXC-B1 + +Description of Ground Rent + +Y/N + +Yes No +  + +  +  +  + +Y/N + +Yes No +  + +TXR-B + +Proprietary Lease Expires + +Y/N + +Yes No +  + +First Lien + +Second Lien + +Third Lien + +Fourth Lien + +TXR-B +TXR-B +TXR-B +TXR-I +TXR-I +TXR-I +TXC-B1 + +TXR-B +TXR-I +TXR-I + +TXR-I + +Project Name +Project Information Data Source +Total Units +Units Sold +Units for Sale +Units Rented + +Reason Units Rented is Estimated +Mandatory Fees (HOA, PUD, or Co-op) + +Monthly Amount +Common Amenities/ +Services Included +Utilities Included + +CK1 + +Observed Deficiencies + +TXC-B1 + +Description of Deficiencies + +H1 + +Cooperative Information + +TXR-B +TXR-B + +Shares Issued and Outstanding +Shares Attributable to Subject Property diff --git a/chunks/txt/6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48.txt b/chunks/txt/6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48.txt new file mode 100644 index 0000000000000000000000000000000000000000..32fb43f45a1ae903029c3ac206bef77ddc997e3b --- /dev/null +++ b/chunks/txt/6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48.txt @@ -0,0 +1,146 @@ +*Does not apply to subject property. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +12 + +Enumerated + +Allowable Values PDF Display +FHA FHA +VA VA +Conventional Conv +Cash Cash +Seller Seller +RuralHousing RH +Other * + +*See field e-27 directly below. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +R + +T + +R + +R + +T + +R + +T + +R + +R + +The sum of this field 2-53 and fields (2-55, 2- +57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, +2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +CR + +CR + +CR + +If the value of field e-29 is 'SettledSale', this +field is required. + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 58 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +301 + +2 + +e-27 + +SALES +COMPARISON +APPROACH + +Concessions +(Line 2) + +GSE Financing Type +Other Description + +Text entry for financing type if 'Other' +is selected. + +302 + +2 + +e-28 diff --git a/chunks/txt/6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518.txt b/chunks/txt/6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518.txt new file mode 100644 index 0000000000000000000000000000000000000000..e615733f230bb2f381275ad81a3fd5bf955edf48 --- /dev/null +++ b/chunks/txt/6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# FAIR Act Inventory + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - FAIR Act Inventory + +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP diff --git a/chunks/txt/6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f.txt b/chunks/txt/6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f.txt new file mode 100644 index 0000000000000000000000000000000000000000..3420e129b53db16e8513a42692cccbde351d695e --- /dev/null +++ b/chunks/txt/6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f.txt @@ -0,0 +1,27 @@ +IMPORTANT: Submitted UCD XML files based on v1.5 may NOT include any new UCD v2.0 data points or enumerations (including the ucd:FEE_DETAIL_EXTENSION structure), or the file will receive a Specification Version critical/fatal edit. + +**8. Can my UCD XML files include any “extra” data that is not included in the UCD Specifications?** + +Yes. However, the GSEs strongly advise against delivering non-specified data in the UCD XML files. If additional data is included in the UCD XML file, but the file is properly formed according to MISMO v3.3.0, the file will not fail. The GSEs will ignore any data in the UCD XML file not expected per the UCD v2.0. + +**9. What is the relationship between data on the UCD and the information on the CD?** + +Data provided in the UCD XML file must reflect disclosures on the CD PDF as closely as possible. The GSEs understand there may not be a 100 percent match because the CD is often rendered with the values provided in the @DisplayLabelText attribute, while the UCD XML file must include the valid associated enumeration. (See FAQ in XML File Technical Considerations section.) + +**10. Do the GSEs provide testing environments for their UCD collection solutions?** + +Yes, each GSE has established a customer test environment (CTE) that can be accessed by Sellers and software providers/Technology Service Providers (TSPs). Additional details can be found on each GSE’s UCD webpage on FannieMae.com and FreddieMac.com. + +Embedding the Closing Disclosure PDF in the UCD XML File + +**11. What are the requirements for embedding the CD PDF in the UCD XML file?** + +- **Timing/Version:** The CD PDF in the UCD XML file should represent the most accurate, agreed-upon terms of the loan at time of submission of the UCD and Uniform Loan Delivery Dataset (ULDD) XML files to the GSEs. If, after closing, but before acquisition of the loan by the GSEs, information was updated, the most recent UCD data and embedded CD must be provided in the UCD XML file. +- **CD Copy:**The PDF does not need to be a first-generation file; however, the CD must be clear and legible. +- **Simultaneous Seconds:** For transactions with loans having a simultaneous second (such as an 80/10/10 transaction), the lender should embed only the copy of CD for the loan being purchased (the subject loan). +- **Construction-to-Permanent Loans:** The GSEs purchase only the permanent financing portion of a construction-to-permanent loans. Refer to Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller Guide. +- **CD Revised Prior to Delivery:** If the loan has closed, but has not been delivered to a GSE, and a revised CD was provided to the borrower, the most recent version of the CD must be included in the updated UCD XML file submission. +- **Split Disclosures:**When separate CDs are provided to the borrower and a Seller, the Seller’s CD is not required in the UCD XML file. +- **Addenda:** Addendum PDFs that are not associated with the CD do not need to be included in the UCD XML file. However, when an addendum is used to provide additional required information to the CD, all data on the addendum must be included in the UCD XML file, with an IntegratedDisclosureSectionType value reflecting the section being extended by the addendum. +- **Signatures:**The CD PDF included in the UCD XML file does not need to be signed; however, the Seller may wish to follow industry best practices and obtain interested party signatures. +**12. What is the Alternate Form for Transactions Not Involving a Seller?** diff --git a/chunks/txt/6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd.txt b/chunks/txt/6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a1fc202bd69015ab7aed353421d78e58a29893c --- /dev/null +++ b/chunks/txt/6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd.txt @@ -0,0 +1,24 @@ +15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all +statements and information in this appraisal report are true and correct. + +16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which +are subject only to the assumptions and limiting conditions in this appraisal report. + +17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or +prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or +completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital +status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the +present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. + +18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not +conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a +predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of +any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending +mortgage loan application). + +19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal +or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make +a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. diff --git a/chunks/txt/6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1.txt b/chunks/txt/6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e353bcafac6bf9f2ed7aa7598a1105d8e62bc83 --- /dev/null +++ b/chunks/txt/6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1.txt @@ -0,0 +1,22 @@ +The MISMO Version 3.0 Reference Model provides all the data elements, attributes, and enumerated +values. Refer to Appendix A (or D): Fannie Mae XML Data Reference for the full details on the +elements, attributes, and enumerated values that are supported, as well as the conditionality rules for +each MISMO data point. + +If an enumerated value is needed that is not currently in the MISMO Version 3.0 Reference Model, the +enumerated value of “Other” with the corresponding “OtherDescription” for that field will be used. When the +“OtherDescription” field is used, the specific allowable content will be defined by Fannie Mae. Refer to +Appendix A (or D): Fannie Mae XML Data Requirements to determine which MISMO-enumerated values are +supported in the “OtherDescription” data point. Free-form text may be supported when specified for +individual “OtherDescription” fields. When appropriate, Fannie Mae will work with Freddie Mac and the +MISMO Workgroups to have new data values defined and incorporated into the enumerated fields in a +future version of the MISMO Reference Model. + +The order of the data elements within the loan delivery XML file is very important and must match the order +outlined in the MISMO Version 3.0 Reference Model. The order of the attributes within each element is not +significant. It is highly recommended that systems support a parser that complies with the W3C XML +specifications. The loan delivery XML file must be well-formed and fully validated, and it must adhere to the +MISMO Version 3.0 Reference Model standard. The following two files are available as part of the +Reference Model, and required to validate the loan delivery XML file using a parser: + MISMO_3_0.xsd + xlink.xsd diff --git a/chunks/txt/6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc.txt b/chunks/txt/6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc.txt new file mode 100644 index 0000000000000000000000000000000000000000..8737096a094a3694d5f28d7e134d59685ea85832 --- /dev/null +++ b/chunks/txt/6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc.txt @@ -0,0 +1,122 @@ +513 + +6 + +40 + +APPRAISER +CERTIFICATION + +Date of Inspection from +street + +Inspection Date + +The date the inspection of the +property was performed. + +514 + +6 + +41 + +APPRAISER +CERTIFICATION + +Did inspect interior and +exterior of subject +property + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +515 + +6 + +42 + +APPRAISER +CERTIFICATION + +Date of Inspection + +Inspection Date + +The date the inspection of the +property was performed. + +516 + +517 + +6 + +6 + +43 + +44 + +APPRAISER +CERTIFICATION + +Did not inspect exterior +of comparable sales from +street + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +APPRAISER +CERTIFICATION + +Did inspect exterior of +comparable sales from +street + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Subject' and +@AppraisalInspectionType='None'] + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Subject' and +@AppraisalInspectionType='ExteriorOnly'] + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Subject' and +@AppraisalInspectionType='ExteriorOnly']/@In +spectionDate + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Subject' and +@AppraisalInspectionType='ExteriorAndInterior +'] + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Subject' and +@AppraisalInspectionType='ExteriorAndInterior +']/@InspectionDate + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/INSPECTION[@AppraisalInspectionPr +opertyType='Comparable' and +@AppraisalInspectionType='None'] diff --git a/chunks/txt/6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94.txt b/chunks/txt/6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94.txt new file mode 100644 index 0000000000000000000000000000000000000000..a18820c976abd28e2ee7a2620ba178bccac96adc --- /dev/null +++ b/chunks/txt/6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94.txt @@ -0,0 +1,107 @@ +HDR-R + +TXR-B +TXR-I +TXR-I + +Overall Condition + +Exterior Condition - [Structure Identifier] +Interior Condition - [Unit Identifier] + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +HDR-R + +2 COLUMN PAGE FORMAT + +TAB + +Highest and Best Use +Highest and Best Use + +TX-BI + +Is the present use of the subject property … +Is the present use of the subject property … + +TXR-B +TXR-B + +Legally Permissible +Legally Permissible +Physically Possible +Physically Possible + +TXR-B +TXR-B + +Financially Feasible +Financially Feasible +Maximally Productive +Maximally Productive + +Yes No +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Y/N + +Highest and Best Use Commentary +Highest and Best Use Commentary + +CK + +H1 +TXC + +H1 + +Highest and Best Use Exhibits +Highest and Best Use Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +TAB + +Market + +TXC-B + +Market Area Boundary + +TXC-B + +Search Criteria Description + +H1 + +Search Result Metrics + +TXR-B +TXR-I + +TXR-I +TXR-B + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales diff --git a/chunks/txt/6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1.txt b/chunks/txt/6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f002909b2e7a74d89cb5664057f7161695eac35 --- /dev/null +++ b/chunks/txt/6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1.txt @@ -0,0 +1,110 @@ +Reporting Format: +Lender/Client – Text + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Page 12 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Is the subject property currently offered +for sale or has it been offered for sale in +the 12 months prior to the effective date of +this appraisal? Report data source(s) +used, offering price(s), and date(s). + +The appraiser must identify whether the +subject property is currently offered for sale or +has been offered for sale in the twelve months +prior to the date of the appraisal by selecting +either the ‘Yes’ or the ‘No’ checkbox. + +Reporting Format: +Is the subject property currently offered for +sale or has it been offered for sale in the 12 +months prior to the effective date of this +appraisal? – Checkbox designated with an ‘x’ + +If the answer is ‘No,’ the data source(s) used +must be provided. If the answer is ‘Yes,’ the +following information is required: +Days on Market (DOM) – The appraiser must +enter the DOM for the subject property. DOM +is defined as the total number of continuous +days from the date that a property is listed or +advertised for sale through the date that it is +taken off the market or contracted for sale. +DOM applies not only to properties that are +listed in a Multiple Listing Service (MLS), but +also applies to properties marketed for sale +outside MLS. If the subject property was not +individually listed or advertised for sale, enter +the numeral zero (0). If the DOM is unknown, +enter ‘Unk’. +Offering Price(s) – The appraiser must report +the original offering price and a history of price +changes, if any. +Offering Date(s) – The appraiser must report +the date(s) that the property was offered for +sale. +Data Source(s) Used – The appraiser must +report the data source(s) used to obtain the +offering information. If the data source is MLS, +the appraiser must enter the abbreviated MLS +organization name, followed by a pound sign +(#), and the specific listing identifier. diff --git a/chunks/txt/6d9acd85a142f51a4775739807eaf5a1c96a4bf57dc8292933695fcd3e5b017d.txt b/chunks/txt/6d9acd85a142f51a4775739807eaf5a1c96a4bf57dc8292933695fcd3e5b017d.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b7a36375031318fe7d264d192d609d8b44d1d5a --- /dev/null +++ b/chunks/txt/6d9acd85a142f51a4775739807eaf5a1c96a4bf57dc8292933695fcd3e5b017d.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/296","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\/foreclosure-prevention-refinance-and-fpm":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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This gives the user the location + +Both + +Both + +Both + +Both + +Both + +X + +X + +X + +X + +X + +X + +X + +X + +X + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +X + +X + +X + +X + +X + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +PDF Data Point Name + +JSON SSR +Field Name + +Definition / Description + +Appears on… +[FNM, FRE, Both] * + +Report Type + +URAR + +Update +Report + +Completion +Report + +Report Section + +reportSection + +Report Subsection + +reportSubSection + +on the PDF where the issue/compliance edit +occurred. + +The name of the appraisal report section associated +with a specific appraisal report finding/message. + +The name of the appraisal report subsection +associated with a specific appraisal report +finding/message. + +Risk Score + +{Fannie Mae} + +fnmRiskScore + +Fannie Mae score from 1.0 to 5.0 that represents the +overall risk as determined by Collateral Underwriter +(CU). + +Risk Score + +{Freddie Mac} + +freRiskScore + +S/SN or Non S/SN (FNM) +S/SN or TPO # (FRE) + +sellerNumber + +Freddie Mac Loan Collateral Advisor (LCA) Risk Score +is real-time risk score that provides a view of +overvaluation risk associated with an appraisal. The +scoring scale is between 1 and 5 in .5 increments +with 1 representing the lowest risk of overvaluation +and 5 representing the highest risk of overvaluation. +Appraisals that are well aligned, or below the HVE +point value, are considered lower risk of +overvaluation and, therefore, exhibit lower risk +scores. diff --git a/chunks/txt/6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07.txt b/chunks/txt/6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07.txt new file mode 100644 index 0000000000000000000000000000000000000000..df7f8e1fe1872cecb5de4fda40214176b4496040 --- /dev/null +++ b/chunks/txt/6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07.txt @@ -0,0 +1,32 @@ +November 10, 2022 + +## [2023 Multifamily Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2023-multifamily-caps-for-fannie-mae-and-freddie-mac) + +​​​HIGHLIGHTS OF 2023 MULTIFAMILY CAPS ​The 2023 volume caps applicable to the multifamily loan purchases of Fannie Mae and Freddie Mac (the Enterprises) will be $75 billion for each Enterprise, for a total of $150 billion during the calendar year 2023.​ FHFA anticipates the 2023 cap levels to be... + - Fact Sheet + +October 24, 2022 + +## [FHFA Announcement on Credit Score Models](/news/fact-sheet/fhfa-announcement-on-credit-score-models) + +​​View Full Fact Sheet (PDF )​ FHFA ANNOUNCES VALIDATION AND APPROVAL OF FICO 10T AND VANTAGESCORE 4.0 CREDIT SCORE MODELS NEWLY APPROVED MODELS WILL IMPROVE ACCURACY, STRENGTHEN ACCESS TO CREDIT, AND ENHANCE SAFETY AND SOUNDNESS On October 24, 2022, the Federal Housing Finance Agency (FHFA)... + - Fact Sheet + +August 25, 2022 + +## [Tenant Protections for Enterprise-Backed Rental Properties in Response to COVID-19](/news/fact-sheet/tenant-protections-for-enterprise-backed-rental-properties-in-response-to-covid-19) + +INFORMATION FOR TENANTS IN RENTAL PROPERTIES WITH A FANNIE MAE OR FREDDIE MAC MORTGAGE​ Federal Resou​rces for Tenants During the COVID-19 National Emergency In response to the COVID-19 pandemic, the federal Emergency Rental Assistance program makes funding available to assist households that are... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [Next](?page=1) + - [Last](?page=4) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/6da4ce21cc0f568367ccd8cac35905822b019a1b1a4a7fcff1f49313ad623722.txt b/chunks/txt/6da4ce21cc0f568367ccd8cac35905822b019a1b1a4a7fcff1f49313ad623722.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d1a22ecaacba783ca8170395d952876dd2b3a70 --- /dev/null +++ b/chunks/txt/6da4ce21cc0f568367ccd8cac35905822b019a1b1a4a7fcff1f49313ad623722.txt @@ -0,0 +1,64 @@ +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. + +Leasehold/Fee Simple + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +Leasehold/Fee Simple +Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_LOCATION_OVERALL_R +ATING_EXTENSION/COMPARISON_LOCA +TION_OVERALL_RATING_EXTENSION_SE +CTION[@ExtensionSectionOrganizationName=' +UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_OV +ERALL_RATING_EXTENSION_SECTION_D +ATA/COMPARISON_LOCATION_OVERALL +_RATING/@GSEOverallLocationRatingType + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_LOCATION_DETAIL_EXT +ENSION/COMPARISON_LOCATION_DETAI +L_EXTENSION_SECTION[@ExtensionSection +OrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_DE +TAIL_EXTENSION_SECTION_DATA/COMP +ARISON_LOCATION_DETAIL[@_SequenceI +dentifier='1..2']/@GSELocationType + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_LOCATION_DETAIL_EXT +ENSION/COMPARISON_LOCATION_DETAI +L_EXTENSION_SECTION[@ExtensionSection +OrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_DE +TAIL_EXTENSION_SECTION_DATA/COMP +ARISON_LOCATION_DETAIL/.[@GSELocati +onType='Other']/@GSELocationTypeOtherDescr +iption diff --git a/chunks/txt/6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382.txt b/chunks/txt/6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382.txt new file mode 100644 index 0000000000000000000000000000000000000000..c661fbcdf7d2d1d91107e00af0334d501b5ad488 --- /dev/null +++ b/chunks/txt/6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382.txt @@ -0,0 +1,44 @@ +The lease or project documents must +provide that the lender receives notice of +any lessee default under the lease not more +than 30 days after such default, and at least +30 days' prior notice of termination of the +ground lease. + +The lease must not include any provisions that allow the leasehold +estate to be extinguished or otherwise impaired by any merger of title +between the lessor and lessee without the lender's prior consent. + +No lease requirements relating to +extinguishment or impairment of the +lessee's leasehold estate. + +Borrower's Option to Purchase Fee Interest + +The lease may, but is not required to, include an option for the borrower to purchase the fee interest in the land. If the option is +included, the purchase must be at the borrower’s sole option, and there can be no time limit within which the option must be +exercised. If the option to purchase the fee title is exercised, the mortgage must become a lien on the fee title with the same +degree of priority that it had on the leasehold. Both the lease and the option to purchase must be assignable, together, subject to +permissible restrictions noted above. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 23 of 166 + +UAD 3.6 Policy + +The following table provides requirements for establishing the purchase price of the land. + +Status of Property Improvements + +Purchase Price of Land + +Already constructed at the time the lease is executed. + +The initial purchase price should be established as the +appraised value of the land on the date the lease is +executed. + +Already constructed at the time the lease is executed, and +the lease is tied to an external index, such as the Consumer +Price Index (CPI). diff --git a/chunks/txt/6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48.txt b/chunks/txt/6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48.txt new file mode 100644 index 0000000000000000000000000000000000000000..b54a8673deebc749f1e1596f10148b0d8d261eca --- /dev/null +++ b/chunks/txt/6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48.txt @@ -0,0 +1,62 @@ +Reconciliation of Market Value (H1) + +Commentary set as TXC-B (bold lead in to Myriad Pro Regular text) X 45 picas. + +Apparent Defects, Damages, Deficiencies (H1) + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed below +represent the As Is condition as of the effective date of this report” + +Appendix E: Report Style Guide + +Page 74 of 90 + +Version 1.4 + +DDD Reconciliation table with Cost to Repair + +• + +If applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects +Soundness or Structural Integrity,” “Recommended Action,” “Estimated Cost to Repair” set as +TCH in 6 column table x 45 picas. + +• Columns 1, 2, 4–6: 6 picas 9 points wide (~27 characters per line) + +• Column 3: + +11 picas 3 points wide (~45 characters per line) + +• Content sets as TB + +• Set TB_sub-H1 heads in white type for each section of the report represented in DDD table, if + +applicable per iGuide: + +o Site + +o Dwelling Exterior - [Structure Identifier] + +o Unit Interior - [Structure Identifier] - [Unit Identifier] + +o Outbuilding - [Outbuilding Type] + +o Unit Interior - [Outbuilding Type] - [Unit Identifier] + +o Vehicle Storage + +o Subject Property Amenities + +• + +“Total Cost” sets as TB_sub-H1-R in white type flush right in the 2 far right columns + +DEFECTS, DAMAGES, DEFICIENCES TABLE— RECONCILIATION – WITH COST TO REPAIR + +DDD Reconciliation table without Cost to Repair + +• + +If applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects +Soundness or Structural Integrity,” “Recommended Action,” set as TCH in 5 column table x 45 +picas. diff --git a/chunks/txt/6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f.txt b/chunks/txt/6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d5919d9b261bc74d2ec6932cdbde0d04d044e279 --- /dev/null +++ b/chunks/txt/6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f.txt @@ -0,0 +1,86 @@ +DU will implement business rules to issue several new DU validation service messages in the DU Underwriting Findings Report, +when applicable. + +Integrated Systems that receive and parse the following DU message identifiers and related message text will need to be updated +to support these changes. + +Message +Status + +MessageIdentifier MessageSeverityTypeCode MessageCategoryTypeCode Message + +MessageText + +New + +3523 + +5 = VERIFICATION + +6 = REQUIRED FUNDS + +Type + +List + +The large deposit(s) listed below have +been identified using asset account +information. These funds have been +included in the total amount of assets +validated. Document that these funds +are from an acceptable source in +accordance with the Selling Guide. + +Large Deposit Amount | Financial +Institution | Account Number + +Fannie Mae Confidential and Proprietary + +© 2021 Fannie Mae 2.24.21 Page 1 of 4 + +Message +Status + +MessageIdentifier MessageSeverityTypeCode MessageCategoryTypeCode Message + +MessageText + +New + +3525 + +5 = VERIFICATION + +6 = REQUIRED FUNDS + +Type + +Fixed + +New + +3527 + +5 = VERIFICATION + +6 = REQUIRED FUNDS + +Fixed + +An eligible asset report has been +received; however, Total Funds to be +Verified is $0.00. If Total Funds to be +Verified increases, asset validation +may be achieved upon resubmission. + +Assets were validated on a transaction +where gift funds are present. Confirm +any deposited gift funds are from an +acceptable source and are eligible for +the transaction. Refer to the Selling +Guide for additional information. + +Modified Message Category Type + +DU validation service messages returned in the DU Underwriting Findings report are grouped by Message Severity and Message +Category. diff --git a/chunks/txt/6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2.txt b/chunks/txt/6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf335041087b2a7c3e920e2ced040c0fa242ea20 --- /dev/null +++ b/chunks/txt/6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2.txt @@ -0,0 +1,57 @@ +Inclusion/Exclusion +Criteria +Property type +Purchase type + +UAD Aggregate Statistics Data File +Eligible Universe +Includes only single-family properties +Includes appraisals for all purchase or +refinance mortgage loans. + +Address quality + +Geographic scope + +Acquisition status + +Property address of appraised +property must be of sufficient quality +such that geocoding software can +determine the county. + +Properties in the 50 U.S. states, the +District of Columbia, and Puerto +Rico. +Appraisals for any submission to the +Enterprises, including appraisals +associated with non-transacted loan +applications and mortgages not +acquired by the Enterprises, as well as +appraisals submitted to FHA. + +UAD Appraisal-Level PUF +Eligible Universe +Includes only single-family properties +Includes appraisals for arms-length +purchase mortgage loans, all +refinance mortgage loans, and all +other (non-purchase and non- +refinance) mortgage loans. +Property address of appraised +property must be of sufficient quality +such that the geocoding software or +loan originator can determine the +state. +Properties in the 50 U.S. states, the +District of Columbia, and Puerto +Rico. +Appraisals for mortgage loans +acquired by the Enterprises. +Appraisals for FHA insured mortgage +loans. + +The second reason estimates may differ slightly is because the UAD Appraisal-Level PUF is a five- +percent sample of eligible UAD appraisal records while the UAD Aggregate Statistics Data File includes +aggregate statistics based on all (i.e., 100 percent) of eligible UAD appraisal records. The differences due +to sampling will generally be larger with more granular estimates. diff --git a/chunks/txt/6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae.txt b/chunks/txt/6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce4845c5b4de3fa611bb39561b95f054b49ab937 --- /dev/null +++ b/chunks/txt/6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae.txt @@ -0,0 +1,51 @@ +2024-013 Clarified the ‘When to Include’ column for Number of Rooms (10.033). + +2024-032 Updated the ‘Definition / Additional Guidance’ column for Accessibility Feature Comment (10.051). + +2024-037 Corrected photo requirements for Vehicle Storage Type (13.001). + +13 Vehicle Storage + +2024-025 + +Updated the ‘Definition / Additional Guidance’ column for Number of Parking Spaces (13.002) and Vehicle Storage Area +(13.003). + +14 Subject +Property +Amenities + +2024-045 Clarified that more than one Amenity Feature (14.004) may be selected. + +17 Market + +2024-024 Deleted Property Value Trend (17.020). + +2024-048 Updated guidance for when there are multiple instances of the same Common Amenity or Service (18.012). + +18 Project +Information + +2024-002 + +Simplified language for when rows display in the Project Factors table. +• Developer/Sponsor in Control (18.064) +Unit Special Assessments (18.072) + +2024-005 + +Updated guidance for reporting Single Entity Ownership of Multiple Units (18.087) and Single Entity Ownership of Multiple +Shares (18.088). + +2024-026 Clarified the meaning of “If Applicable” vs. “If Relevant” rows in How Rows Display in the Sales Comparison Grid. + +2024-038 Updated the ‘Definition / Additional Guidance’ column for Contract Date and Sale Date adjustments (22.01.31, 22.01.33). + +2024-026 Clarified the ‘When Row Displays’ column for Site Size (22.03.02, 22.03.20). + +2024-030 + +Clarified that the appraiser must provide Gross Building Finished Area (22.05.04) when the subject is a 2- to 4-unit +property. + +2024-031 Corrected the ‘Origin of Subject Property Information’ column for Efficiency Rating (22.06.03). diff --git a/chunks/txt/6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754.txt b/chunks/txt/6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8ed88dbb8f8ebee9869daa37bfd21955c0c4f42 --- /dev/null +++ b/chunks/txt/6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754.txt @@ -0,0 +1,36 @@ +775000 + +false + +false + +false + +false + +true + +false + +false + +false + +Purchase + +SubjectProperty + +Tax Map ID: 2000-61-726997/R128810 + +Market + +Sales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on Market for the settled sales were predominately in the 80-100 days range. Days on Market of current listings is trending higher than recent sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3-4 sales per month with a 4-5 month supply. +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 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. + +EnergyEfficientAndGreenFeatures + +The Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion of market value for the subject. The subject and comparable #2 have solar panels and had energy audits that provided efficiency ratings. Analysis of the data available indicates there is no measurable impact on market value. Analysis indicated that properties with energy efficient features and certifications have, on average, a lower number of days on market than properties with no energy efficiency noted. + +SalesContract + +Sales contract is a reasonable and a typical arm's length sale. A fully executed copy of the contract was provided by the lender and anlayzed by the appraiser. diff --git a/chunks/txt/6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5.txt b/chunks/txt/6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5.txt new file mode 100644 index 0000000000000000000000000000000000000000..87e08dadbbc9b087a39b64e3e5ac3c64244732e5 --- /dev/null +++ b/chunks/txt/6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5.txt @@ -0,0 +1,39 @@ +DU for Government Loans Release Notes +January 2023 Release + +Jan. 4, 2023 + +During the weekend of Jan. 21, 2023, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA +changes. + +N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.” + +DU Address Standardization on VA loans + +The service used by DU to standardize the address in order to determine the county in which the property is located, which also +provides other data for DU, will be updated. The updated version of the service will now return data based on 2020 census. + +New VA version 3.1 + +VA version 3.1 will be implemented and will apply to new VA loan casefiles created on or after the weekend of Jan. 21, 2022. Loan +casefiles created in VA version 3.0 will continue to be underwritten with VA version 3.0. + +With the release of VA version 3.1, VA version 2.1 will be retired. Customers will be able to view online loan applications and DU +Underwriting Findings reports that were created under VA version 2.1, but in order to obtain an updated underwriting +recommendation after the weekend of Jan. 21, customers must create a new loan casefile and submit it to DU. + +N O T E : VA version 2.1 loan casefiles would have been created prior to June 11, 2022; therefore, those loan casefiles +would have been created 6 months prior to the retirement of VA version 2.1. + +FHA Loan Limits + +FHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2023 county +loan limit updates. + +However, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit and the FHA +National Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU +will display the 2022 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 21 where a property +county cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or +resubmitted on or after the weekend of Jan. 21 where a property county cannot be determined, DU will display the 2023 FHA +National Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the +correct limit is applied when determining eligibility. diff --git a/chunks/txt/6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830.txt b/chunks/txt/6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830.txt new file mode 100644 index 0000000000000000000000000000000000000000..bea1ea62c0a800fce42db31b461db945aa81749a --- /dev/null +++ b/chunks/txt/6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830.txt @@ -0,0 +1,77 @@ +Uniform Residential Appraisal Report (Hybrid) + +Uniform Residential Appraisal Report (Desktop) + +Fannie Mae +Form Number + +1004 + +1004 Hybrid + +1004 Desktop + +Individual Condominium Unit Appraisal Report + +1073 + +Individual Condominium Unit Appraisal Report (Hybrid) + +1073 Hybrid + +Individual Condominium Unit Appraisal Report (Desktop) + +1073 Desktop + +Exterior-Only Inspection Individual Condominium +Appraisal Report + +1075 + +Exterior-Only Inspection Residential Appraisal Report + +2055 + +Freddie Mac +Form Number + +70 + +70H + +70D + +465 + +465H + +465D + +466 + +2055 + +Appraisals must comply with all field-specific standardization requirements in this document. To assist +appraisers in meeting UAD requirements, the GSEs are working with appraisal forms vendors to +incorporate the UAD requirements into the software appraisers use to complete appraisal reports. + +The requirements for completion of the UAD forms are organized in the order in which they appear on the +appraisal form. Information is organized in a table format and contains the form field label(s), a description +of the requirement, the corresponding appraisal forms to which it applies, and a reporting format. +“Reporting format” defines the standardized format for entering data on the appraisal forms. + +Page 5 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +The “Requirement or Instruction” column defines the data specifications of the UCDP. For form fields +labeled as a requirement, the UCDP will validate the data and will return an error message if the data does +not conform to the defined reporting format. For form fields labeled as an instruction, UCDP will not +validate the reporting format, but the data must be transmitted if populated in the form by the appraiser. diff --git a/chunks/txt/6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b.txt b/chunks/txt/6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..483e4103de263b7bcd623137e2be168e528a9b2e --- /dev/null +++ b/chunks/txt/6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b.txt @@ -0,0 +1,73 @@ +FeeActualPayment +Amount + +500.00 + +ROF as “$500.00” + +7.7.2 + +Borrower-Paid + +7.7.2 + +Before Closing + +FeePaymentPaidBy +Type + +Buyer + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +true + +Represented as +Borrower-Paid +heading on form + +Represented as +Before Closing +heading on form + +D. FOR MORE I NFORMATI ON UPDATED + +7.1 | 7.4 | 7.6 | 7.8 | 7.9 Reg §1026.38(f)(4) and (5), pp. 80122-3, 80352-3, 80008-11; Cross reference to +§1026.37(f)(4) and (5) pp. 80116, 80341, 79951-7. + +Reg §1026.38(f)(1), pp. 80122, 80352-53, 80008-10; Cross reference to §1026.37(f)(1) pp. 80116, 80341, + +7.3 +79952-56. + +Reg §1026.38(f)(2), pp. 80122, 80353, 80010; Cross reference to §1026.37(f)(2) pp. 80116, 80341, + +7.5 +79956-57. + +Reg §1026.38(f)(3), pp. 80122, 80353, 80010-11; cross reference §1026.37(f)(3) pp. 80116, 80342, + +7.7 +79956-57. + +The May 2, 2018 amendment to the Regulation (83 FR 19159) describes the disclosure of several construction +loan inspection & handling fees collected by the lender after closing. Because the GSEs are interested only in +those transaction charges occurring at or before closing, we did not add data points and enumerations +supporting these fees to UCD. + +Appendix E: UCD Implementation Guide + +Page 123 of 254 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +8.0 OTHER COSTS TABLE + +As shown in Figure 80, the second half of the Closing Cost Details page contains the Other Costs table. The +Other Costs table itemizes all other fees or required payments not otherwise disclosed in the Loan Costs table. diff --git a/chunks/txt/6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96.txt b/chunks/txt/6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96.txt new file mode 100644 index 0000000000000000000000000000000000000000..21cd7df50606fbbbf2c726af30847cefedb22dc7 --- /dev/null +++ b/chunks/txt/6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96.txt @@ -0,0 +1,39 @@ +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +A value of 'Y' indicates the Positive box has been checked and the net adjustment is +positive, a value of 'N' indicates the Negative box has been checked and the net +adjustment is negative. + +A value of 'Y' indicates the Positive box has been checked and the net adjustment is +positive, a value of 'N' indicates the Negative box has been checked and the net +adjustment is negative. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field should contain the total net adjustment, i.e. the sum of all positive and +negative adjustments. + +PDF Display Format: +Whole numbers only. If there is no net adjustment, a value of zero (0) must be entered. + +The sum of this field 3-109 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, +3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-105, +3-107, 3-111) must add up to Net +Adjustment field 3-116. + +If field 3-46 is populated, then this field +should be populated. + +The sum of this field 3-111 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, +3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-105, +3-107, 3-109) must add up to Net +Adjustment field 3-116. diff --git a/chunks/txt/6e0f31942515d9a5aaffa451fa3eeb9cc38ca05c8f8854a765bf35d7ce465482.txt b/chunks/txt/6e0f31942515d9a5aaffa451fa3eeb9cc38ca05c8f8854a765bf35d7ce465482.txt new file mode 100644 index 0000000000000000000000000000000000000000..ac9d93403f2c9a6394f0c54226d374042d1e83e6 --- /dev/null +++ b/chunks/txt/6e0f31942515d9a5aaffa451fa3eeb9cc38ca05c8f8854a765bf35d7ce465482.txt @@ -0,0 +1,3 @@ +32 + +33 diff --git a/chunks/txt/6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a.txt b/chunks/txt/6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a.txt new file mode 100644 index 0000000000000000000000000000000000000000..a559016147af474417b36deee5acfcc840675a7a --- /dev/null +++ b/chunks/txt/6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a.txt @@ -0,0 +1,6 @@ +--- +source_url: "https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html" +date_accessed: "2026-01-27T17:46:22.123Z" +--- + +!function(){var e,i=/iPhone/i,o=/iPod/i,n=/iPad/i,t=/\biOS-universal(?:.+)Mac\b/i,r=/\bAndroid(?:.+)Mobile\b/i,a=/Android/i,d=/(?:SD4930UR|\bSilk(?:.+)Mobile\b)/i,p=/Silk/i,l=/Windows Phone/i,u=/\bWindows(?:.+)ARM\b/i,b=/BlackBerry/i,s=/BB10/i,c=/Opera Mini/i,f=/\b(CriOS|Chrome)(?:.+)Mobile/i,h=/Mobile(?:.+)Firefox\b/i,v=function(e){return void 0!==e&&"MacIntel"===e.platform&&"number"==typeof e.maxTouchPoints&&e.maxTouchPoints>1&&"undefined"==typeof MSStream};e=function(e){var m={userAgent:"",platform:"",maxTouchPoints:0};e||"undefined"==typeof navigator?"string"==typeof e?m.userAgent=e:e&&e.userAgent&&(m={userAgent:e.userAgent,platform:e.platform,maxTouchPoints:e.maxTouchPoints||0}):m={userAgent:navigator.userAgent,platform:navigator.platform,maxTouchPoints:navigator.maxTouchPoints||0};var g=m.userAgent,y=g.split("[FBAN");void 0!==y[1]&&(g=y[0]),void 0!==(y=g.split("Twitter"))[1]&&(g=y[0]);var A=function(e){return function(i){return i.test(e)}}(g),w={apple:{phone:A(i)&&!A(l),ipod:A(o),tablet:!A(i)&&(A(n)||v(m))&&!A(l),universal:A(t),device:(A(i)||A(o)||A(n)||A(t)||v(m))&&!A(l)},amazon:{phone:A(d),tablet:!A(d)&&A(p),device:A(d)||A(p)},android:{phone:!A(l)&&A(d)||!A(l)&&A(r),tablet:!A(l)&&!A(d)&&!A(r)&&(A(p)||A(a)),device:!A(l)&&(A(d)||A(p)||A(r)||A(a))||A(/\bokhttp\b/i)},windows:{phone:A(l),tablet:A(u),device:A(l)||A(u)},other:{blackberry:A(b),blackberry10:A(s),opera:A(c),firefox:A(h),chrome:A(f),device:A(b)||A(s)||A(c)||A(h)||A(f)},any:!1,phone:!1,tablet:!1};return w.any=w.apple.device||w.android.device||w.windows.device||w.other.device,w.phone=w.apple.phone||w.android.phone||w.windows.phone,w.tablet=w.apple.tablet||w.android.tablet||w.windows.tablet,w}(),"object"==typeof exports&&"undefined"!=typeof module?module.exports=e:"function"==typeof define&&define.amd?define((function(){return e})):this.isMobile=e}(); window.isMobile.apple.tablet = window.isMobile.apple.tablet || (navigator.platform === 'MacIntel' && navigator.maxTouchPoints > 1); window.isMobile.apple.device = window.isMobile.apple.device || window.isMobile.apple.tablet; window.isMobile.tablet = window.isMobile.tablet || window.isMobile.apple.tablet; window.isMobile.any = window.isMobile.any || window.isMobile.apple.tablet; diff --git a/chunks/txt/6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7.txt b/chunks/txt/6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec4be190ac0293dceededb611fcecf695a7bef60 --- /dev/null +++ b/chunks/txt/6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7.txt @@ -0,0 +1,126 @@ +…/ESCROW/ESCROW_ITEMS/ESCROW_ITEM/ESCROW_ITEM_DETAIL + +8.172 + +EscrowCollectedNumberOfMonthsCount + +2 + +8.169 + +EscrowItemType + +HomeownersInsurance + +8.171 + +EscrowMonthlyPaymentAmount + +100.83 + +8.139 + +FeePaidToType + +ThirdPartyProvider + +Provide a whole number indicating the +number of months covered by the +payment amount. + +Provide "Other" only when a supported +enumeration cannot reflect the item +accurately. + +The GSEs require this value in +FeePaidToType and +FeePaidToTypeOtherDescription in +support of ATR/QM data requirements. + +8.297 + +IntegratedDisclosureSectionType + +InitialEscrowPaymentAtClosing + +8.188 + +RegulationZPointsAndFeesIndicator + +false + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO +W/ESCROW_ITEMS/ESCROW_ITEM/ESCROW_ITEM_PAYMENTS/ESCROW_ITEM_PAYMENT + +8.198 + +EscrowItemActualPaymentAmount + +201.66 + +UCD v2.0 Implementation Guide + +- 86 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 43. UCD v2.0 Spec Excerpt - Escrow Items Collected at Closing (Purchase) Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Usage Notes + +8.173 + +EscrowItemPaymentPaidByType + +Buyer + +8.843 + +EscrowItemPaymentTimingType + +AtClosing + +…/ESCROW_ITEM/ESCROW_ITEM_DETAIL + +8.172 + +EscrowCollectedNumberOfMonthsCount + +2 + +8.169 + +EscrowItemType + +CountyPropertyTax + +RegulationZPointsAndFeesIndicator is +not required for tax payments. + +8.171 + +EscrowMonthlyPaymentAmount + +105.30 + +8.139 + +FeePaidToType + +ThirdPartyProvider + +8.150 + +IntegratedDisclosureSectionType + +InitialEscrowPaymentAtClosing + +…/ESCROW_ITEM/ESCROW_ITEM_PAYMENTS/ESCROW_ITEM_PAYMENT diff --git a/chunks/txt/6e4a3e58f722ee98ba79f9d8563a31ba4ea1986ed96f0bb284f43dba6bd30c7c.txt b/chunks/txt/6e4a3e58f722ee98ba79f9d8563a31ba4ea1986ed96f0bb284f43dba6bd30c7c.txt new file mode 100644 index 0000000000000000000000000000000000000000..c56fa342eda3a70c20deb2e47e34be54a55858be --- /dev/null +++ b/chunks/txt/6e4a3e58f722ee98ba79f9d8563a31ba4ea1986ed96f0bb284f43dba6bd30c7c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/conservatorship" +date_accessed: "2026-01-27T17:47:55.233Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6.txt b/chunks/txt/6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..85729d6eb7cc2c1897ee57f673978f709c102f2a --- /dev/null +++ b/chunks/txt/6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6.txt @@ -0,0 +1,181 @@ +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Site +• + +Street(s) Used to +Access Property +4.021 + +Yes +22.03.31 + +Site +• + +Street Surface +Material 4.021 + +Yes +22.03.31 + +Site +• + +Property +Restriction 4.051 + +Yes +22.03.33 + +Site +• + +Easement 4.055 + +Yes +22.03.35 + +• +• +• +• +• +• +• +• + +• +• +• +• +• +• +• + +• +• +• +• +• +• +• + +• +• +• +• +• + +Alley +Arterial Street +Collector Street +Cul-de-sac +Dead End +Local Road +Rural Road +Other (Describe) + +Asphalt +Brick +Concrete +Cobblestone +Dirt +Gravel +Other (Describe) + +Age +Historic Preservation +Income +Land Use +Rental +Sale Price +Other (Describe) + +Conservation +Drainage +Ingress/Egress +Utility (other than typical property utility easements) +Other (Describe) + +22.03.10 +22.03.36 + +Topography + +If relevant + +Required when Site +Characteristic is +Topography, and the +row is included in the +sales comparison grid + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Site +• + +• + +Site Characteristic +(4.062) is +Topography +Topography Type +4.063 + +Yes +22.03.37 + +• +• +• +• +• + +Flat +Rocky +Rolling +Sloping +Other (Describe) + +Note: Do not report easements that are typical or common to the +market. + +Note: If this row is included in the sales comparison grid, and the +comparable(s) have a topography impact, Topography Type (e.g., Flat) +must also be populated for the subject (4.063). + +Appendix F-1: URAR Reference Guide + +Page 229 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach diff --git a/chunks/txt/6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c.txt b/chunks/txt/6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c.txt new file mode 100644 index 0000000000000000000000000000000000000000..bfff8e7a17890a1e7a928660900547f83b49b0fe --- /dev/null +++ b/chunks/txt/6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c.txt @@ -0,0 +1,43 @@ +Dollar amount + +An additional opinion of value, based on the client requested conditions and / +or restrictions. + +Allowable Answer + +As Is + +Value Condition (Choose one for each Client Requested Condition) + +Definition / Additional Guidance + +The Alternate Opinion of Value (26.017) is based on the property in its current state based on the client requested +conditions and / or restrictions. + +Subject to Completion Per +Plans + +The Alternate Opinion of Value (26.017) is based on the hypothetical condition that the improvements have been +completed per plans and specifications and the client requested conditions and / or restrictions. + +Subject to Inspection + +The Alternate Opinion of Value (26.017) is based on any required inspections identified in the appraisal and the +extraordinary assumption that any deficiency does not require alteration or repair. + +Note: If this answer is selected, indicate the required inspections in Requested Condition Commentary (26.018). + +Subject to Repair + +The Alternate Opinion of Value (26.017) is based on the hypothetical condition that the repairs identified in the appraisal +have been completed per the client requested conditions and / or restrictions. + +Requested Condition Commentary + +Identify the type and definition of value provided, along with any other needed commentary. Use this +commentary to state the type and definition of value and cite the source of the definition. + +The summary of analysis and support for the Alternate Opinion of Value (26.017) can be included here and / or +in Reconciliation of Market Value (26.019). + +Appendix F-1: URAR Reference Guide diff --git a/chunks/txt/6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a.txt b/chunks/txt/6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a.txt new file mode 100644 index 0000000000000000000000000000000000000000..8137fc3e568c75da849dd6c27a5fa45e277cfab4 --- /dev/null +++ b/chunks/txt/6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a.txt @@ -0,0 +1,122 @@ +section. + +o Which version of 28.041 is displayed depends on whether or not there is significant real property appraisal assistance. +o Name (2.047) also displays in 28.042. + +Page 99 + +Assignment Information: Contact Information – Significant Real Property Appraisal Assistance + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +When PartyRoleType (UID: 2400.0412, FID: Not on report) = +“SignificantRealPropertyAppraisalAssistance” … + +2.047 + +Name + +Credentials + +2.049 + +Level + +2.050 + +ID + +2.051 + +State + +2400.0405 + +FirstName + +2400.0407 + +MiddleName + +2400.0406 + +LastName + +2400.0408 + +SuffixName + +… displays + +Display when provided + +… displays + +Display when provided + +2400.0488 + +AppraiserLicenseType + +… displays + +2400.0410 + +LicenseIdentifier + +2400.0411 + +LicenseIssuingAuthorityStateCode + +Display when AppraiserLicenseType <> “None” +If not provided, do not display report label. + +Display when AppraiserLicenseType <> “None” +If not provided, do not display report label. + +Display when AppraiserLicenseType <> “None” +If not provided, do not display report label. + +2.052 + +Expires + +2400.0409 + +LicenseExpirationDate + +2.048 + +Description + +2400.0413 + +PartyRoleTypeAdditionalDescription + +… displays + +Appendix B-1: URAR Implementation Guide v1.3 + +Property Data Report + +The Property Data Report subsection displays when PropertyDataReportIndicator (UID: 1000.0043, FID: 2.005) = “true”. + +Notes: + +• + +• + +If PropertyDataReportIndicator (UID: 1000.0043, FID: 2.005) = “true”, there must be a contact with PartyRoleType (UID: 2400.0300, +FID: Not on report) = “PropertyDataCollector”, as the Property Data Collector is the person who completed the Property Data +Report. +Inspection information for this subsection uses containment instead of an arcrole. diff --git a/chunks/txt/6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792.txt b/chunks/txt/6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d3e1b1d1f33e13a1de31693e2be46699e4abe23 --- /dev/null +++ b/chunks/txt/6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/uad" +date_accessed: "2026-01-27T17:54:20.600Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018.txt b/chunks/txt/6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018.txt new file mode 100644 index 0000000000000000000000000000000000000000..8ef8115c160f764ad9b2b718e6a5b763e4e77f62 --- /dev/null +++ b/chunks/txt/6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018.txt @@ -0,0 +1,205 @@ +/VALUATION_RESPONSE/PROPERTY/SITE +/@_DimensionsDescription + +16 + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +One and only one of fields 1-67, 1-68, 1-69 +(values of Neighborhood Typical Marketing +Time Duration Type) must be indicated. + +CR + +CR + +CR + +7 + +7 + +7 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +Money Whole dollars only. + +Money Whole dollars only. + +Money Whole dollars only. + +Numeric Whole numbers only. + +Numeric Whole numbers only. + +Numeric Whole numbers only. + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +Numeric + +In percentage points (e.g. a value of 25 represents 25%) + +4000 + +String + +UAD Instruction - Refer to Appendix D Neighborhood Section +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +4000 + +4000 + +String + +String + +40 + +String + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 36 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section diff --git a/chunks/txt/6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459.txt b/chunks/txt/6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459.txt new file mode 100644 index 0000000000000000000000000000000000000000..3d7337d201e13f97dcf42f928d23714b0162cf05 --- /dev/null +++ b/chunks/txt/6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/mortgage-translations/interpretive-services" +date_accessed: "2026-01-27T17:54:20.463Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f.txt b/chunks/txt/6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ec58e0d0f1aa988d8e5f71cd24800c2e55e83cd --- /dev/null +++ b/chunks/txt/6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f.txt @@ -0,0 +1,117 @@ +Interest Rate Adjustments (#) + +Initial Interest Rate 2% + +ID + +20.0 + +20.1 + +20.2 + +20.3 Minimum/ Interest Rate + +20.3 + +20.4 + +20.5 + +20.6 + +20.7 + +/Maximum Interest Rate 5% Max + +Change Frequency –First Change Beginning of 13th +month +Change Frequency–Subsequent Change Every 12 +months after first change for 36 months +Limits on Interest Rate Changes – First Change + +Limits on Interest Rate Changes – Second Change + +1The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change +throughout step rate period (every year after initial 1-year period) for 36 months. + +The data points used to provide this information are shown in the table below. The Loan Terms Table Form Field +IDs have been included where applicable to help emphasize that the data points are provided only once in the +XML file. + +Table 144. AIR Table – Step Rate Mortgage + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +20.3 | +4.2.3(2) + +Minimum/ Maximum +Interest Rate + +20.4 | +4.2 + +Change Frequency- +First Change + +20.3 Minimum/ Maximum +Interest Rate + +20.1 Number and +Frequency of +Changes + +…/INTEREST_RATE_A +DJUSTMENT/INTERE +ST_RATE_LIFETIME_ +ADJUSTMENT_RULE + +INTEREST_RATE_LIFE +TIME_ADJUSTMENT_ +RULE/EXTENSION/OT +HER + +CeilingRatePercent + +5.0000 + +ROF as “5% Max” + +FirstRateChangeMon +thsCount + +13 + +ROF as “Beginning of +13th month” + +FloorRatePercent + +2.0000 + +ROF as “2% Min” + +gse:TotalStepCount 3 + +ROF as “3” + +First Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE + +Appendix E: UCD Implementation Guide + +Page 213 of 254 + +Version 1.4 diff --git a/chunks/txt/6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338.txt b/chunks/txt/6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338.txt new file mode 100644 index 0000000000000000000000000000000000000000..8dc8792c1ee133c79f33247f872c71c310740bbf --- /dev/null +++ b/chunks/txt/6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338.txt @@ -0,0 +1,33 @@ +RELAT IONSHIP ELEMENT AT T RIBUT ES: FROM, T O AND ARCROLE + +Each instance of the RELATIONSHIP element must contain at least three XLink attributes: from, to, +and arcrole. Since these attributes are part of the XLink standard’s “namespace”, in a XML message +they must contain the namespace prefix that the MISMO schema assigns for them. By default the +schema usually assigns xlink: as the namespace prefix, to differentiate these XLink attributes from +MISMO data elements and attributes. + +Example: + + + +RELAT IONSHIP ELEMENT “ARCROLE” NAMING CONVENT ION + +The architectural rules for the use of XLink are detailed in MEG 0036, Use of XLink to Manage +Relationships, available at the link below: + +http://www.mismo.org/Guidelines/EngineeringGuidelines(MEGS).htm + +Each arcrole value will be composed as follows: + +{URN} {FromName} ‘_’ {VerbPhrase} ‘_’ {ToName} + + URN – for arcroles defined by MISMO, the URN string value is urn:fdc:mismo.org:2009:residential/. + +For arcroles not defined by MISMO the “extended” URN is the string “urn:fdc:” + domain name of the +extending organization + “:” + year of first use + “:” + optional qualifier + separator character “:” or +“/”. Example: urn:fdc:AcmeLending.com:2013:mortgage + + FromName – the element name that is pointed to by xlink:from attribute. + VerbPhrase – is defined according to the type of relationship. For Irreflexive Relationships (i.e. +FromName is different from ToName), the value of VerbPhrase is ‘IsAssociatedWith’. diff --git a/chunks/txt/6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac.txt b/chunks/txt/6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..b57114b8d4caee41ebe837e57c2a4bd4cb1ed3c1 --- /dev/null +++ b/chunks/txt/6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac.txt @@ -0,0 +1,33 @@ +2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analysis, opinions, +statements, conclusions, and the appraiser’s certification. + +3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the +appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. + +4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and +promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was prepared. + +5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are +defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this +appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and +valid as if a paper version of this appraisal report were delivered containing my original hand written signature. + +APPRAISER + +SUPERVISORY APPRAISER (ONLY IF REQUIRED) + +Signature _____________________________________________ +Name 5______________________________________________ +Company Name 6 ______________________________________ +Company Address 7 ____________________________________ + 8a, 8b 8c ______________________________ +Telephone Number 9 ____________________________________ +Email Address 10 ______________________________________ +Date of Signature and Report 11___________________________ +Effective Date of Appraisal 12 ____________________________ +State Certification # 13 __________________________________ +or State License # 14____________________________________ +or Other 15 _________________ State # 16 ________________ +State 17 ______________________________________________ +Expiration Date of Certification or License 18 _________________ diff --git a/chunks/txt/6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c.txt b/chunks/txt/6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b21d3c00bbb5a6e525bd4e7457118d2192b434b3 --- /dev/null +++ b/chunks/txt/6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c.txt @@ -0,0 +1,3 @@ +Site Valuation Methodology ..................................................................................................................................................................................................... 134 + +Site Commentary ...................................................................................................................................................................................................................... 138 diff --git a/chunks/txt/6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37.txt b/chunks/txt/6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37.txt new file mode 100644 index 0000000000000000000000000000000000000000..f83e46fe89bc2e055e1fa90f295a7be306622f01 --- /dev/null +++ b/chunks/txt/6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37.txt @@ -0,0 +1,114 @@ +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/BASEMENT/BASEMENT_FEATUR +E[@_Type='OutsideEntry']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/FOUNDATION_FEATURE[@_Type +='SumpPump']/@_ExistsIndicator + +147 + +148 + +149 + +150 + +151 + +152 + +153 + +154 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +One and only one of fields 1-134, 1-135, 1- +136 (values of Building Status Type) should +be indicated. +One and only one of fields 1-134, 1-135, 1- +136 (values of Building Status Type) should +be indicated. + +17 + +17 + +20 + +1 + +4 + +Enumerated + +Enumerated + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should indicate the architectural design of the property. Do not use +descriptors such as brick, two stories, average, conventional, or typical. + +UAD Requirement - Refer to Appendix D Improvements Section +This is a yes/no field that indicates whether the year built is estimated ('Y' +indicates estimated, 'N' indicates not estimated). + +Boolean + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate the subject property's year built in a four- +digit format only, such as 1978 or 2002. + +Date/Time + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Data Format: +yyyy + +25 + +String + +1 + +1 + +1 + +1 + +5 + +3 + +1 + +1 + +Boolean + +A value of 'Y' indicates that the box has been checked and a concrete slab +exists, a value of 'N' indicates that the box has not been checked. + +Boolean + +A value of 'Y' indicates that the box has been checked and a crawl space exists, +a value of 'N' indicates that the box has not been checked. diff --git a/chunks/txt/6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8.txt b/chunks/txt/6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8.txt new file mode 100644 index 0000000000000000000000000000000000000000..5979df2091ce3f15c489650118dc15222edcd6c8 --- /dev/null +++ b/chunks/txt/6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8.txt @@ -0,0 +1,102 @@ +Level 2 - Bath - Full - Bath 3 + +Level 1 - Bath - Half + +This is where the 3rd Full Bath photo would display. + +This is where the Half Bath photo would display. + +Level 1 - Dining Room + +Level 1 - Kitchen + +This is where the Dining Room photo would display. + +This is where the Kitchen photo would display. + +Level 1 - Living Room + +Wet Bar + +This is where the Living Room photo would display. + +This is where the Wet Bar photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201 + +Uniform Residential Appraisal Report + +Page 10 of 23 + +Outbuilding - Standalone ADU + +Considered Real Property +Units in Structure +Gross Building Area + +Yes +1 +464 Sq. Ft. + +Gross Building Area for the outbuilding includes area for vehicle storage, +ADU(s), and any other uses + +This is where the Standalone ADU Front photo would display. + +Detail + +Utilities + +Electricity +Sanitary Sewer +Water + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Detail +Electric + +None + +The table below depicts the area of the outbuilding, excluding vehicle +storage and any ADU(s) +Finish +Finished + +Total Area +0 Sq. Ft. + +Room Summary + +Unfinished + +0 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Standalone ADU) + +None + +Outbuilding Commentary + +The subject’s outbuilding is a standalone ADU. Please see the Unit Interior - Standalone ADU for details and comments. + +Outbuilding Exhibits + +Rear View + +This is where the Standalone ADU Rear photo would display. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821.txt b/chunks/txt/6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d3f539e72342a2bc1506d5a872998961e16b786 --- /dev/null +++ b/chunks/txt/6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821.txt @@ -0,0 +1,169 @@ +Definition / Additional Guidance + +Sales Comparison Approach: Site + +22.03.13 +22.03.42 + +Site Influence +(Location) + +If relevant + +Required when the +row is included in the +sales comparison grid + +Site +• + +Site Influence +4.025 + +Yes +22.03.43 + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +22.03.13 +22.03.42 + +Site Influence +(Location) + +If relevant + +Required when Site +Influence is Body of +Water, and the row is +included in the sales +comparison grid + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Site +• + +Body of Water +Type 4.027 + +Yes +22.03.43 + +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• + +Agricultural +Airport +Body of Water (Body of Water Type displays) +Busy Roadway +Commercial Area +Golf Course +Green Space +High Density Residential +High Pressure Gas Line +Historic District +Industrial Area +Local Distribution Line +Oil or Gas Well +Overhead Electric Power Transmission Line +Park +Public Transportation Hub +Rail Line +Residential +School +Stormwater Retention +Other (Describe) + +Additional context specific to the adjustment may be provided in +Reconciliation of Sales Comparison Approach (22.16.01). + +Bay +Canal +Cove +Creek +Gulf +Lake + +• +• +• +• +• +• +• Marsh +• +Ocean +• +Pond +• +Reservoir +• +River +• +Sound +• +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 231 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.03.14 +22.03.44 + +Report Label + +Apparent +Environmental +Conditions + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information diff --git a/chunks/txt/6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939.txt b/chunks/txt/6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939.txt new file mode 100644 index 0000000000000000000000000000000000000000..df0525f0d074235568f714400035199f510c0409 --- /dev/null +++ b/chunks/txt/6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939.txt @@ -0,0 +1,129 @@ +Dwelling + +Outbuilding/ADU + +Page 173 + +Report Label + +Unique ID MISMO Data Point Name + +Display when ImprovementType (UID: +0300.0009) = “Dwelling” and +ConstructionMethodType (UID: 0300.0034) += “Manufactured” + +Label Present for All +Sections + +0500.0009 + +ManufacturedHomeHUDCertificateLabelIndic +ator + +Always display + +Display when (ImprovementType (UID: +0300.0009) = "Outbuilding" AND +OutbuildingType (UID: 0300.0025) = +"ManufacturedHome" AND +LivingUnitCount (UID: 0300.0063) > 0) + +Always display + +HUD Certification +Number + +0500.0037 + +ManufacturedHomeHUDCertificationLabelId +entifier + +Manufactured Home Certification Program (Figure 9 - 1) + +9.018 + +Certification + +0500.0005 + +ManufacturedHomeFinancingProgramEligibili +tyType + +Display when Exists + +Display when +ManufacturedHomeHUDCertificateLabelIndic +ator = “true” OR (when +ManufacturedHomeHUDCertificateLabelIndic +ator = “false” AND Exists) + +Display when +ManufacturedHomeHUDCertificateLabelIndica +tor = “true” OR (when +ManufacturedHomeHUDCertificateLabelIndica +tor = “false” AND Exists) + +Display subsection when +ManufacturedHomeFinancingProgramEligibil +ityType is not null + +NA + +Report +Field ID + +9.016 + +9.017 + +9.019 + +Identifier + +0500.0004 + +ManufacturedHomeFinancingProgramEligibili +tyIdentifier + +Invoice Information + +9.020 + +Purchased from +Retailer + +0500.0022 + +ManufacturedHomePurchasedFromRetailerI +ndicator + +9.021 + +Retailer Name + +0500.0025 ManufacturedHomeRetailerName + +9.022 + +9.023 + +9.024 + +9.025 + +Retailer's Invoice +Reviewed + +0500.0023 + +ManufacturedHomeRetailerInvoiceReviewed +Indicator + +Manufacturer's +Invoice Reviewed + +0500.0014 + +ManufacturedHomeInvoiceReviewedIndicato +r diff --git a/chunks/txt/6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8.txt b/chunks/txt/6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..6147bad02ab9b9df23c25ae8357df64e6f64d34a --- /dev/null +++ b/chunks/txt/6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8.txt @@ -0,0 +1,173 @@ +Table 154. Confirm Receipt Section + +ID + +UID +997.084 + +Form Field Name MISMO v3.3.0 Context MISMO v3.3.0 Data + +Point/Attribute + +N/A - XML + +…/PARTY/ROLES/ROLE + +@xlink:label + +MISMO +v3.3.0 Value + +PARTY11_RO +LE1 + +Notes + +Not shown – relationships + +24.1 | +2.1 + +Applicant +Signature + +N/A - XML + +UID +997.088 + +…/ROLE/ROLE_DETAIL + +PartyRoleType + +Borrower + +ROF as “Applicant” + +…/DOCUMENT/RELATIONS +HIP + +@SequenceNumber 11 + +Not shown-relationships + +Appendix E: UCD Implementation Guide + +Page 234 of 254 + +Version 1.4 + +Uniform Closing Dataset + +24.0 Confirm Receipt + +Form Field Name MISMO v3.3.0 Context MISMO v3.3.0 Data + +Table 154. Confirm Receipt Section + +ID + +N/A - XML + +UID +997.089 + +N/A - XML + +N/A - XML + +N/A - XML + +N/A - XML + +UID +997.090 + +UID +997.091 + +UID +997.104 + +UID +0.031 + +24.2 Date + +N/A - XML + +UID +0.051 + +Point/Attribute + +@xlink:arcrole + +@xlink:from + +@xlink:to + +…/DOCUMENT/SIGNATORI +ES/SIGNATORY + +@xlink:label + +MISMO +v3.3.0 Value + +urn:fdc:mism +o.org:2009:re +sidential/ +ROLE_IsAssoc +iatedWith_SI +GNATORY + +PARTY11_RO +LE1 + +SIGNATORY_ +1 + +SIGNATORY_ +1 + +Notes + +Not shown-relationships + +Not shown- relationships + +Not shown- relationships + +Not shown – relationships + +…/SIGNATORY/EXECUTION +/EXECUTION_DETAIL + +ActualSignatureType Wet + +Not shown – relationships + +ExecutionDate + +2018-04-18 + +ROF as “April 18, 2018” + +…/DOCUMENT/DOCUMEN +T_CLASSIFICATION/DOCU +MENT_CLASSIFICATION_D +ETAIL/EXTENSION/OTHER + +gse:DocumentSignat +ureRequiredIndicato +r + +true + +Not shown - relationships + +1. MAPPI NG GUI DANCE + +a. The data points listed above would repeat in the appropriate containers for each signature on the form. +The @xlink:label in ROLE and in SIGNATORY would be incremented by 1 for each additional signature. diff --git a/chunks/txt/6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728.txt b/chunks/txt/6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf316a86c103d334c168dce458e1d7e711d27e38 --- /dev/null +++ b/chunks/txt/6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728.txt @@ -0,0 +1,5 @@ +End of MF CTF + +MF CTF + +44 diff --git a/chunks/txt/6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063.txt b/chunks/txt/6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec5e41dea1e542325c4d8fa82abba820b905ac09 --- /dev/null +++ b/chunks/txt/6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063.txt @@ -0,0 +1,55 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: 2- to 4-unit Scenario +Document Version 1.3 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # Revision Description + +6/10/2025 + +09/17/2024 + +12/12/2023 + +1.3 + +1.2 + +1.1 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +03/29/2023 + +1.0 + +Initial Publication + +Introduction + +This report is for a two unit home that fronts to a collector road with high density traffic. The subject +falls within USGS Lava Flow Zone 2, a hazard zone, with adverse impact due to volcanic activity. + +The subject property has two detached dwellings with one unit in each dwelling, each unit consisting of +864 sq. ft. The units have matching layouts and contain two bedrooms, one bathroom, a kitchen, living +room, and dining area. Both units have typical wear and tear throughout that does not affect the +livability of either unit. Rust is noted on each unit’s metal roof; however, neither roof has ruptures or +leaks due to the deterioration. The subject has newer impact-resistant glass to protect from potential +wind damage. One of the units has access to a carport and the other unit has access to a driveway. Each +unit has its own outdoor shower. diff --git a/chunks/txt/6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf.txt b/chunks/txt/6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec0b51efa31aada85958a8df965101478eca624b --- /dev/null +++ b/chunks/txt/6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf.txt @@ -0,0 +1,3 @@ +This report provides insight into how FHFA monitors the consistency of prepayment rates across cohorts of the Enterprises’ TBA-eligible MBS,​​​ where a cohort consists of those Enterprise TBA-eligible securities with the same coupon, maturity, and loan-origination year and total combined issuance across the Enterprises exceeds $10 billion. A prepayment on a mortgage loan is the amount of principal paid in advance of the loan’s scheduled payments. Full prepayment occurs when a borrower pays off the loan ahead of the scheduled maturity. + +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP diff --git a/chunks/txt/6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f.txt b/chunks/txt/6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f.txt new file mode 100644 index 0000000000000000000000000000000000000000..199f3682f755e0d8b477b0783510ceb52cb37a03 --- /dev/null +++ b/chunks/txt/6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f.txt @@ -0,0 +1,67 @@ +Area Breakdown +Unfinished Below Grade 10.008 + +Unit(s) +Unfinished Area Below Grade 22.07.13 + +Level and Room Detail +Finish (Unfinished) Area 10.031, 10.032 + +ANSI Example 2B: Exterior Access +Only + +ANSI Example 3B: Interior Access +from Common Area + +ANSI Example 2A: Exterior Access +Only + +ANSI Example 3A: Interior Access +from Common Area + +Appendix F-1: URAR Reference Guide + +Page 355 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 3: ANSI Examples + +ANSI Example 2: Below Grade Area with Exterior Access Only + +These examples show a 2-unit property in one dwelling. Each unit is 1,607 square feet, which excludes the area on each floor for the common +entrance and stairway. There is also 1,800 square feet of below grade area with exterior access only. + +Example 2A: Unfinished Below Grade Area + +Example 2B: Finished Below Grade Area + +Appendix F-1: URAR Reference Guide + +Page 356 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 3: ANSI Examples + +Unit Interior + +Example 2A: Unfinished Below Grade Area +The 1,800 square feet of unfinished below grade area with exterior entry only is attributed to the +first floor unit on the URAR. + +Example 2B: Finished Below Grade Area + +For the first floor unit, the finished area below grade area is not included in Unit Interior, as it is +only reported in Gross Building Finished Area. + +The second floor unit is described without the unfinished below grade area. + +For the second floor unit, the finished area below grade area is not included in Unit Interior, as it is +only reported in Gross Building Finished Area. + +Appendix F-1: URAR Reference Guide diff --git a/chunks/txt/6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24.txt b/chunks/txt/6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a1ad9293254344866e640eb32f0f3feed667aee --- /dev/null +++ b/chunks/txt/6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24.txt @@ -0,0 +1,137 @@ +• The column headings in the table always display. + +Rental Information: Subject Property Rental Information + +MISMO Data Point Name + +Display Rules + +Report Field ID Report Label + +23.01.01 + +23.01.02 + +23.01.03 + +No label + +Currently Rented + +Occupancy + +Unique ID + +0700.0114 + +2000.0093 + +0700.0070 + +UnitIdentifier + +UnitRentedIndicator + +UnitOccupancyType + +23.01.04 + +Monthly Rent + +2000.0089 + +UnitMonthlyActualRentAmount + +Appendix B-1: URAR Implementation Guide v1.3 + +When populated, redisplays from 10.002 + +Must display + +Redisplays from 10.020 +Must display +When UnitRentedIndicator = “false”, this must be delivered as 0. + +Unique ID + +2000.0087 + +2000.0086 + +2000.0088 + +2000.0085 + +Report Field ID Report Label + +23.01.05 + +23.01.06 + +23.01.07 + +23.01.08 + +23.01.09 + +23.01.10 + +23.01.11 + +Month-to-Month + +Lease Start + +Rent Control + +Rent Concessions +Utilities/Services +Included +Furnished +Description of Rent +Control and Impact +to +Value/Marketability + +Rental Information: Subject Property Rental Information + +MISMO Data Point Name + +Display Rules + +MonthToMonthLeaseIndicator + +Display when UnitRentedIndicator = "true" + +Page 300 + +LeaseStartDate + +RentControlStatusType + +FinancialRentalConcessionIndicator + +Display when MonthToMonthLeaseIndicator = "false" and Exists + +Must display +Display when UnitRentedIndicator = "true" + +Display when UnitRentedIndicator = "true" + +2000.0090 + +UnitChargesIncludeUtilitiesIndicator + +2000.0091 + +UnitFurnishedIndicator + +Display when UnitRentedIndicator = "true" + +2000.0030 + +RentControlDescription + +Display when RentControlStatusType (UID: 2000.0088, FID: 23.01.07) = "true" for +any unit in the table. +A description of rent control for the subject property (overall, not for each unit). diff --git a/chunks/txt/6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864.txt b/chunks/txt/6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864.txt new file mode 100644 index 0000000000000000000000000000000000000000..388e3c4fd0e662168fb5698e9bcd3040254cba1d --- /dev/null +++ b/chunks/txt/6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864.txt @@ -0,0 +1,23 @@ +[Enterprise Capital Credit Risk Transfer Tool (XLS) (9/15/2021)](/sites/default/files/Enterprise-Capital-CRT-Tool-2021.xlsx) + +[*Credit Risk Transfer Progress Report Fourth Quarter 2020* (8/10/2021)](/sites/default/files/2023-05/CRT-Progress-Report-4Q20.pdf) + +[FHFA Publishes Credit Risk Transfer Tool (6/2/2020)](/node/9641/)​ + +[Enterprise Capital Credit Risk Transfer Tool (XLS) (6/2/2020)](/sites/default/files/Enterprise-Capital-CRT-Tool_06022020.xlsx)​​ + +[*Credit Risk Transfer Progress Report Fourth Quarter 2019* (4/3/2020)](/sites/default/files/2023-05/CRT-Progress-Report-4Q2019.pdf)​ + +[FHFA Updates Progress o​n Fannie Mae and Freddie Mac Credit Risk Transfer Programs (11/12/2019)](/node/9346/)​ + +[*Credit Risk Transfer Progress Report S​econd Quarter 2019* (11/12/2019)](/sites/default/files/2023-05/CRT-Progress-Report-2Q19.pdf)​ + +[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (3/28/2019)](/node/9091/) + +[*Credit Risk Transfer Progress Report Fourth Quarter 2018* (3/28/2019)](/sites/default/files/2023-05/CRT-Progress-Report-4Q18.pdf) + +[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (11/1/2018)](/node/8916/) + +[*Credit Risk Transfer Progress Report Second Quarter 2018*(11/1/2018)](/sites/default/files/2023-05/CRT-Progress-Report-2Q18.pdf) + +[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (3/29/2018)](/node/8701/) diff --git a/chunks/txt/6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca.txt b/chunks/txt/6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..e183238ea37c5160291fe5ce04959530fffc63c6 --- /dev/null +++ b/chunks/txt/6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca.txt @@ -0,0 +1,5 @@ +Table Elements .............................................................................................................................................. 28 + +TB - Table Text .................................................................................................................................................... 28 + +TB-I - Table Text Indented ................................................................................................................................... 28 diff --git a/chunks/txt/6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c.txt b/chunks/txt/6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c.txt new file mode 100644 index 0000000000000000000000000000000000000000..068e9d7937c295b2a90f376f685de1ee20247b4c --- /dev/null +++ b/chunks/txt/6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c.txt @@ -0,0 +1,86 @@ +Overall Quality and Condition + +Overall Quality +Interior Quality + +Q4 +Q4 + +Overall Condition +Interior Condition + +C3 +C3 + +Reconciliation of Overall Quality and Condition + +The overall quality and condition of the subject building does not adversely affect the overall ratings provided. + +Highest and Best Use + +Is the present use of the subject property ... + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Highest and Best Use Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Market + +Market Area Boundary Kinross Avenue to the North; Malcolm Avenue to the East; Ohio Avenue to the South; The 405 to the West + +Search Criteria Description The market search was limited by the following factors: Properties that included between 1–2 full bathrooms, +2–3 bedrooms, that were built between 1960 and 1985 with a closing date between 09/18/2018 and 09/17/2019. + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 10 of 22 +Page 10 of 22 + +Market (continued) + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +Housing Trends + +Demand/Supply + +Market Commentary + +7 +29 +$699,999 +$747,000 +$769,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price diff --git a/chunks/txt/6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217.txt b/chunks/txt/6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217.txt new file mode 100644 index 0000000000000000000000000000000000000000..3443c808e3214eeec3f11173e4b15c0f6f192d53 --- /dev/null +++ b/chunks/txt/6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/mission-report" +date_accessed: "2026-01-27T17:48:00.905Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de.txt b/chunks/txt/6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de.txt new file mode 100644 index 0000000000000000000000000000000000000000..139dc321b17ff34366b122ebb716bfeee05315da --- /dev/null +++ b/chunks/txt/6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de.txt @@ -0,0 +1,75 @@ +Unique ID + +Parent Container MISMO Attribute Name + +Supported Attribute Enumerations + +3900.0145 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf IMPROVEMENT + +3900.0146 + +RELATIONSHIP + +@xlink:from + +DEFECT_n + +3900.0147 + +RELATIONSHIP + +@xlink:to + +IMPROVEMENT_n + +3900.0120 + +DEFECT + +@xlink:label + +DEFECT_n + +0300.0003 + +IMPROVEMENT + +@xlink:label + +IMPROVEMENT_n + +Each defect reported in this section must be associated with the building where the defect has been identified. i.e., DEFECT container must +be linked (via arcrole) to the instance of the IMPROVEMENT container (ImprovementType = “Dwelling”). When there are multiple Dwellings, +DEFECT container must be linked to the applicable instance where the defect was identified. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 168 + +Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information. + +Appendix B-1: URAR Implementation Guide v1.3 + +09 Manufactured Home + +Page 169 + +The Manufactured Home section displays details about the structure, provides space for additional commentary, and exhibits. This section +repeats for each manufactured home on the property that is either a dwelling or an ADU. + +• When the manufactured home is an outbuilding that is not an ADU, it displays in the Outbuilding section (instead of Manufactured + +Home) e.g., a manufactured home that has been physically modified and is no longer livable. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 170 + +The Manufactured Home section repeats for each manufactured home on the property that is either a dwelling or an ADU. If there are no +manufactured homes on the property, the section does not display. diff --git a/chunks/txt/6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5.txt b/chunks/txt/6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..86989b2ff47834131285f0be9316667e6bae6120 --- /dev/null +++ b/chunks/txt/6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5.txt @@ -0,0 +1,56 @@ +PDF Display Format: +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of finished bedrooms in the basement. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of finished bathrooms in the basement. + +1 + +Numeric + +1 + +Numeric + +3 + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Full Bath Count.Half Bath Count + +The sum of this field 2-80 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-82, 2-84, 2-86, 2-88, 2- +90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. + +This field is required if the value of field e-18 +(GSE Below Grade Total Square Feet Number) +is greater than zero. + +This field is required if the value of field e-18 +(GSE Below Grade Total Square Feet Number) +is greater than zero. + +The sum of this field 2-82 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-80, 2-84, 2-86, 2-88, 2- +90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. diff --git a/chunks/txt/6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f.txt b/chunks/txt/6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f.txt new file mode 100644 index 0000000000000000000000000000000000000000..83492945cdae328fafda129aa249cadbd998399a --- /dev/null +++ b/chunks/txt/6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f.txt @@ -0,0 +1,4 @@ +Year: 2009 | LoanNumber: 1 | Program: 6 | FIPSStateCode: 39 | FIPSCountyCode: 37 | MSA: 99999 | Tract: 5701.02 | MinPer: 1.8 | TraMedY: 45735 | LocMedY: 43801 | Tractrat: 1.04 | Income: 39312 | CurAreY: 51600 | IncRat: 0.7619 | UPB: 156200 | LTV: 0.7 | MortDate: 2009 | AcquDate: 2009 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 10240 | Seller: FARMERS STATE BANK & TRUST CO | SellCity: NEW MADISON | SellSt: OH | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 1 | CoSex: 4 | BoAge: 35 | 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: 1 | Rate: 0.0463 | Amount: 156200 | Front: 0.31 | Back: 0.31 | Borrower Credit Score: 5 | 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: 4 | GSEREO: 2 +Year: 2009 | LoanNumber: 2 | Program: 6 | FIPSStateCode: 21 | FIPSCountyCode: 117 | MSA: 17140 | Tract: 647 | MinPer: 2.43 | TraMedY: 67218 | LocMedY: 54771 | Tractrat: 1.23 | Income: 75322 | CurAreY: 66200 | IncRat: 1.1378 | UPB: 148000 | LTV: 0.8 | MortDate: 2009 | AcquDate: 2009 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 52786 | Seller: VICTORY COMMUNITY BANK | SellCity: Fort Mitchell | SellSt: KY | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 1 | CoSex: 4 | BoAge: 36 | 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: 0.0488 | Amount: 148000 | Front: 0.19 | Back: 0.23 | Borrower Credit Score: 5 | 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: 4 | GSEREO: 2 +Year: 2009 | LoanNumber: 3 | Program: 6 | FIPSStateCode: 21 | FIPSCountyCode: 211 | MSA: 31140 | Tract: 405 | MinPer: 16.38 | TraMedY: 66717 | LocMedY: 49301 | Tractrat: 1.35 | Income: 40344 | CurAreY: 59400 | IncRat: 0.6792 | UPB: 104000 | LTV: 0.65 | MortDate: 2009 | AcquDate: 2009 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 9247 | Seller: CITIZENS UNION BANK | SellCity: Shelbyville | SellSt: KY | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 42 | 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: 1 | Rate: 0.0488 | Amount: 104000 | Front: 0.23 | Back: 0.24 | 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: 4 | GSEREO: 2 +Year: 2009 | LoanNumber: 4 | Program: 6 | FIPSStateCode: 21 | FIPSCountyCode: 123 | MSA: 21060 | Tract: 9601 | MinPer: 8.06 | TraMedY: 40083 | LocMedY: 42911 | Tractrat: 0.93 | Income: 88440 | CurAre diff --git a/chunks/txt/6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5.txt b/chunks/txt/6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..849b98ef70ec82051bd63115368c657d6079c9bb --- /dev/null +++ b/chunks/txt/6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5.txt @@ -0,0 +1,55 @@ +EarlyCheck Release +Enhancement Rollout + +Dear Integrated Partner, + +August 3, 2022 + +The enhanced user interface (UI) version of EarlyCheck™ was launched on July 11, 2022. On August 8, 2022, customers integrated through an LOS will be +automatically routed to the enhanced EarlyCheck (TM) platform; no action is required. + +• To review submissions via the UI, use this link (https://earlycheck.fanniemae.com/). +• +• Please read our updated FAQs + +Visit the EarlyCheck webpage for supporting resources. + +Legacy EarlyCheck + +Enhanced EarlyCheck + +File Types + +Origination: 1003, MISMO AUS 2.3.1, MISMO +ULAD 3.4 + +Origination: MISMO ULAD 3.4 + +Delivery: MISMO ULDD 3.0 + +Delivery: MISMO ULDD 3.0 + +Platform + +On premise server + +Cloud-based + +User Interface + +Standard UI + +Simplified, easy to navigate UI + +Findings Report Critical edits are not consolidated + +At-a-glance summary identifies critical edits +more easily + +For those already using Enhanced EarlyCheck, you may disregard this message. For issues or questions, please contact our support center at (800-2FANNIE +(800-232-6643) or your Fannie Mae account representative. + +For information on EarlyCheck enhancements prior to July 2022, please refer to the Release Notes archive document available on the EarlyCheck +homepage. + +© 2022 Fannie Mae August 2022 diff --git a/chunks/txt/6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f.txt b/chunks/txt/6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7d5a3a6129ca2412d2f53f5ac8ae2dbbc6fb5af --- /dev/null +++ b/chunks/txt/6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f.txt @@ -0,0 +1,15 @@ +All together, these improvements are intended to provide more certainty for lenders, facilitate greater liquidity to the primary market, and help increase access to credit without compromising safety and soundness. + +## Links to Representation and Warranty Documents:​ + +- [FHFA, Fannie Mae and Freddie Mac Announce Independent Dispute Resolution Program (02/02/2016)​](/news/news-release/fhfa-fannie-mae-and-freddie-mac-announce-independent-dispute-resolution-program) +- [FHFA Statement: Statement of FHFA Director Melvin L. Watt on the Finalization of Life-of-Loan Representation and Warranty Exclusions (11/20/2014)](/news/statement/statement-of-fhfa-director-melvin-l.-watt-on-the-finalization-of-life-of-loan-representation-and) +- [FHFA News Release: FHFA, Fannie Mae and Freddie Mac Launch New Representation and Warranty Framework (9/11/2012)](/news/news-release/fhfa-fannie-mae-and-freddie-mac-launch-new-representation-and-warranty-framework) +- [FHFA Scorecards](/reports/conservatorships-performance-goals-scorecard) +- [Fannie Mae Summary: Representations and Warranties Framework](https://selling-guide.fanniemae.com/sel/a2-2-01/representations-and-warranties-overview) +- [Freddie Mac Summary: Selling Representation and Warranty Framework](https://sf.freddiemac.com/working-with-us/selling-delivery/delivery-options-pricing/selling-representation-and-warranty-framework) +- [Freddie Mac Seller/Servicer Guide Bulletin on servicing remedies framework (12/16/2015)](http://www.freddiemac.com/singlefamily/guide/bulletins/pdf/bll1522.pdf)​​​ + +Sign up for email updates + +Leave this field blank diff --git a/chunks/txt/6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c.txt b/chunks/txt/6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8af80f164944ffdd397f62f3ca63bf85d1d4b630 --- /dev/null +++ b/chunks/txt/6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c.txt @@ -0,0 +1,45 @@ +represents 25.10%). + +o Total Depreciation - DepreciationTotalAmount (UID: 1100.0045, FID: 25.016) + +Appendix B-1: URAR Implementation Guide v1.3 + +• Mutually exclusive with physical depreciation, external depreciation, and functional depreciation. Deliver + +even if the value is zero. + +• Manufactured Home Delivery Installation and Setup - ManufacturedHomeInstallationCostAmount (UID: 1100.0038, FID: 25.017) + +o This is an aggregate number representing the sum of physical, functional, and external depreciation. + +displays + +o When CostApproachIndicator = "true" AND (ConstructionMethodType = "Manufactured" OR OutbuildingType = + +Page 331 + +“ManufacturedHome”) +o Cannot be delivered as zero. + +• Total – Display ImprovementEstimatedTotalCostAmount (UID: 1100.0053, FID: 25.018) when CostApproachIndicator = "true" + +o Calculated for the dwelling as follows: ((sum of all 'ReplacementOrReproductionCostAmount') + + +'ManufacturedHomeInstallationCostAmount' (if applicable) - +((DepreciationPhysicalAmount + DepreciationFunctionalAmount + DepreciationExternalAmount) or DepreciationTotalAmount)) + +Figure 25 - 3 + +Remaining Economic Life and Effective Age for Dwelling + +Display “years” following the number. + +• Remaining Economic Life - EstimatedRemainingEconomicLifeYearsCount (UID: 0300.0041, FID: 25.019) displays + +o When (ImprovementType = "Dwelling" AND CostApproachIndicator = "true") + +• Commentary on Remaining Economic Life - EstimatedRemainingEconomicLifeDescription (UID: 0300.0040, FID: 25.021) displays + +o When EstimatedRemainingEconomicLifeYearsCount < 30 OR Exists + +Appendix B-1: URAR Implementation Guide v1.3 diff --git a/chunks/txt/6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862.txt b/chunks/txt/6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e54088ba6d49ec5c361d0edae490d1d3a09f959 --- /dev/null +++ b/chunks/txt/6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862.txt @@ -0,0 +1,86 @@ +Reporting Format: Design (Style) – Text + +Page 25 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Year Built +The appraiser must indicate the year the +subject property was built. If it is unknown or +unavailable to the appraiser within the normal +course of business, the appraiser must +estimate the year the subject property was +built. + +Reporting Format: +Year Built – 4-digit number, yyyy +Estimation of Year Built – A tilde (~) must +precede the year built + +Examples: +1978 +~1950 (The PDF creator will insert the tilde) + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* +*FIELD IS LOCATED IN +PROJECT +INFORMATION +SECTION + +Basement Area, Basement Finish + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +If a basement exists, the appraiser must +indicate the basement size in square feet and +the percentage of the basement that is +finished. If there is no basement, enter the +numeral zero (0) in both fields. + +Reporting Format: +Basement Area – Numeric to 5 digits, whole +numbers only +Basement Finish– Numeric to 3 digits, whole +numbers only + +Page 26 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. diff --git a/chunks/txt/6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb.txt b/chunks/txt/6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..68ad0676902171320fc8edb3c6b997f274589808 --- /dev/null +++ b/chunks/txt/6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb.txt @@ -0,0 +1,54 @@ +Examples of scenarios with 3 comparables: +• + +The appraiser relied primarily on 2 comparables that were given +equal consideration and included a third comparable as supporting +the data. Select Most, Most, and Less. +The appraiser relied primarily on 1 comparable that was given +most consideration, and included 2 comparables that were +considered to be representative but less relevant than the primary +comparable. Select Most, Less, and Less. +All comparables were equally considered good market indicators. +Select Most, Most, and Most. + +• + +• + +Appendix F-1: URAR Reference Guide + +Page 275 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Allowable Answer + +Definition / Additional Guidance + +Comparable Weight – Choose one answer for each Comparable + +Most + +Less + +No Weight + +The contribution of the comparable was given more or most emphasis compared to other comparables. + +The contribution of the comparable was given less emphasis than comparables weighted as Most. + +The comparable was included but given no weight. +Example: The property is similar to the subject but was given no weight due to extenuating circumstances, such as a model +match that was not a typical market transaction. + +Note: Do not select this answer if a property was considered (but not included in the sales grid) to demonstrate a special +or specific feature, but overall the property was not considered significant enough to affect value. These should be +included in the Additional Properties Analyzed Not Used subsection. + +Indicated Value by Sales Comparison Approach + +Sales Comparison Approach – Indicated Value by Sales Comparison Approach diff --git a/chunks/txt/6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283.txt b/chunks/txt/6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c9b5c05f51df8c175271d4f8f9fb3cf800ac8f3 --- /dev/null +++ b/chunks/txt/6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283.txt @@ -0,0 +1,86 @@ +$ + +Loan Estimate +10.10.1 +10.10 Loan Amount +10.1 +10.1.1 +10.2 Closing Costs Paid Before Closing 10.2.1 + +Total Closing Costs (J) + +$ 10.10.2 +-$ 10.1.2 +$0 10.2.2 + +Final + +Did this change? (Complete if “YES”) + +$ 10.10.3 NO/YES 10.1.4 ▪ You increased/decreased this amount +-$ 10.1.3 NO/YES 10.1.4 ▪ See Total Loan Costs (D) and Total Other Costs (I) +$ 10.2.3 NO/YES 10.2.4 ▪ You paid these Closing Costs before closing + +▪ Increase exceeds legal limits by $200. See + Lender Credits on page 2 for credit of excess amount. + +10.11 Total Payoffs and Payments (K) + +10.11.1 + +-$ 10.11.2 + +-$ 10.11.3 NO/YES 10.11.4 ▪ See Payoffs and Payments (K) + +10.9 Cash to Close + +$ + +10.9.1 +10.9.3 +From (if -) +To (if +) +Borrower + +$ + +10.9.2 +10.9.4 +From (if -) +To (if +) +Borrower + +10.3 Closing Costs Financed (Paid from your Loan Amount) 10.3.2 + +$ + +CLOSING DISCLOSURE + +PAGE 3 OF 5 ▪ LOAN ID # + +Uniform Closing Dataset v2.0 + +Numbered Alternate Disclosure + +Additional Information About This Loan + +Loan Disclosures + +17.0 + +17.1 Assumption +If you sell or transfer this property to another person, your lender + will allow, under certain conditions, this person to assume this + +18.0 Escrow Account +For now, your loan +18.1  will have an escrow account (also called an “impound” or “trust” + +loan on the original terms. + + will not allow assumption of this loan on the original terms. + +17.2 Demand Feature +Your loan + has a demand feature, which permits your lender to require early +repayment of the loan. You should review your note for details. diff --git a/chunks/txt/6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5.txt b/chunks/txt/6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5.txt new file mode 100644 index 0000000000000000000000000000000000000000..140799333258f82008f40bcf4bfb38188524e2fc --- /dev/null +++ b/chunks/txt/6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5.txt @@ -0,0 +1,35 @@ +November 26, 2024 + +## [The Dynamics of FHFA Conforming Loan Limits and House Prices](/blog/insights/the-dynamics-of-fhfa-conforming-loan-limits-and-house-prices) + +Large increases in the FHFA Conforming Loan Limit values in recent years have raised concerns that those changes may be permitting Enterprise loan acquisitions to drift into higher-priced segments of the housing market. We find that Enterprise-acquired loans close to the limit have not shifted... + - FHFA Statistics + +November 25, 2024 + +## [The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter](/blog/fhfa-statistics/the-volume-and-median-value-of-fha-single-family-appraisals-rose-over-the-past-year-and-quarter) + +The volume of purchase and refinance FHA appraisals increased between the second quarters of 2023 and 2024 and between the first and second quarters of 2024. The median appraised value for FHA purchase appraisals also increased over the past year and quarter. The Federal Housing Finance Agency (FHFA... + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [6](?page=5) + - [7](?page=6) + - [8](?page=7) + - [Next](?page=1) + - [Last](?page=7) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) diff --git a/chunks/txt/6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133.txt b/chunks/txt/6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133.txt new file mode 100644 index 0000000000000000000000000000000000000000..5bf448289c4ba3bb3276a01553b3cca0a6c195b3 --- /dev/null +++ b/chunks/txt/6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133.txt @@ -0,0 +1,56 @@ +• New or newly converted condo + +• + +• + +• + +project consisting of attached units located in +Florida +Limited or shared equity co-op projects, +provided the limited or shared equity +provisions are designed to preserve or +promote access to affordable housing + +Established condo project consisting of +single-section manufactured homes +Established condo or established PUD +project consisting of manufactured +homes subject to a community land trust, +deed restriction, ground lease, or shared +equity arrangement + +Fannie Mae Review through the streamlined PERS process + +Unit in a PUD project + +Project review is waived, with the exception of some basic +requirements that apply + +Unit in a condo project approved by the FHA + +FHA Project Approval (see Selling Guide B4-2.2-05, FHA- +Approved Condo Review Eligibility for additional details) + +Note: Unless specifically noted in the above table, all references to manufactured homes may be single-section, multi-section, or a +combination of both. + +Waiver of Project Review + +Fannie Mae does not require a thorough project review for several types of projects or loan transactions, including: + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 133 of 166 + +UAD 3.6 Policy + +• detached condo units; +• units in a two- to four-unit condo project; +• units in a PUD project, except for PUD projects consisting of single-section and/or multi-section manufactured +homes subject to a community land trust, deed restriction, ground lease, or shared equity arrangement; +Fannie Mae to Fannie Mae limited cash-out refinances with LTV ratios < 80%; and + +• +• high LTV refinance loans. diff --git a/chunks/txt/6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c.txt b/chunks/txt/6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..578e75901907d9527499f341bfb79a28be7aedab --- /dev/null +++ b/chunks/txt/6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c.txt @@ -0,0 +1,33 @@ +29.026 + +6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal +report. + +29.027 + +7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in +appraising this type of property in this market area. + +29.028 + +8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax +assessment records, public land records, and other such data sources for the area in which the property is located. + +29.029 + +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +29.030 + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable +condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or +structural integrity of the property. + +10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of +the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known +physical deficiencies that could affect the soundness or structural integrity of the property. diff --git a/chunks/txt/6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103.txt b/chunks/txt/6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103.txt new file mode 100644 index 0000000000000000000000000000000000000000..784e690a3ee584cd902e41406f5423942d516c9b --- /dev/null +++ b/chunks/txt/6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103.txt @@ -0,0 +1,96 @@ +IMPROVEMENTS + +Finished Area Above +Grade Contains +Rooms + +Finished Area Above +Grade Contains +Bedrooms + +Finished Area Above +Grade Contains +Bath(s) + +Total Room Count + +Specifies the total number of livable +rooms. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/@TotalRoomCount + +Total Bedroom Count + +Specifies the total number of +bedrooms. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/@TotalBedroomCount + +Total Bathroom +Count + +Specifies the total number of +bathrooms. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/@TotalBathroomCount + +2 + +2 + +5 + +Numeric + +Numeric + +Numeric + +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Rooms Only + +PDF Display Format: +Whole numbers only. +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Bedrooms Only + +PDF Display Format: +Whole numbers only. +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Bathrooms Only + +PDF Display Format: +Full Bath Count.Half Bath Count +nn.nn + +222 + +1 + +216 + +IMPROVEMENTS + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +This field should be populated if field 1-212 +(Kitchen Equipment Exists Indicator) is +indicated. + +If at least one of fields 1-199, 1-201 is +indicated (Car Storage Location Type = +'Garage' or 'Carport', and Car Storage +Location Exists Indicator = 'Y'), than at least +one of fields 1-203,1-204,1-205 (types of Car +Storage Attachment Type) should be indicated. +If neither of fields 1-199, 1-201 are indicated +then none of fields 1-203,1-204,1-205 should +be indicated. diff --git a/chunks/txt/6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc.txt b/chunks/txt/6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c583d0d8580e8ce060724773aa114c53e0b8d7c --- /dev/null +++ b/chunks/txt/6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc.txt @@ -0,0 +1,23 @@ +Over-Improvements + +An over-improvement is an improvement that is larger or costlier than what is typical for the market area. For example, a 4,000 +square foot home located in an area of homes where the typical home is 2,000 square feet, may be considered an over- +improvement. Furthermore, a home with an in-ground pool in an area where pools are not typical may also be considered an +over-improvement. The appraiser must comment on over-improvements and indicate their contributory value in the Sales +Comparison Approach adjustment grid. + +Improvements can represent an over-improvement for the market area, but still be within the neighborhood price range, such as +a property with an in-ground pool, a large addition, or an oversized garage in a market that does not demand these kinds of +improvements. + +The fact that the property is an over-improvement does not necessarily make the property ineligible. However, lenders must +review appraisals on properties with over-improvements that may not be acceptable to the typical purchaser to ensure that only +the contributory value of the over-improvement is reflected in the appraisal analysis. + +Land Use + +When different land uses and property types are present, the appraiser should take it into consideration when developing an +analysis and defining the market area boundaries. This will help determine any positive or negative effects of mixed land uses. +The appraiser should select comparable sales from within the same market area whenever possible to minimize any land use +differences affecting value or marketability. If this is not possible, the appraiser may need to make a market supported location +adjustment in the Sales Comparison Approach for sales that do not share the same characteristic(s) or externalities. diff --git a/chunks/txt/6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694.txt b/chunks/txt/6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf058916954a86f337941f347c81c0aea24bdb37 --- /dev/null +++ b/chunks/txt/6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694.txt @@ -0,0 +1,116 @@ +• Dwelling Exterior + +o Construction Method: Manufactured Home + +• Manufactured Home + +o + +Includes Invoice Information subsection + +• Two outbuildings + +o Barn +o Rec Room/Garage + +• Approaches to Value + +o Sales Comparison Approach +o Cost Approach + +• Defects, Damages, Deficiencies – one on the barn with no recommended action + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +123 ANYWHERE ST, SOME CITY, VA 20141 + +SUMMARY + +Opinion of Market Value + +$445,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +09/25/2019 +Refinance +Harry James +Jennifer James + +Current Owner of Public Record Harry James + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Annie Appraiser + +Listing Status + +Property Description + +Construction Method +Attachment Type + +Jennifer Jones +None + +Manufactured +Detached + +Overall Quality +Overall Condition + +Q4 +C1 + +Yes No +  +  +  +  +  + +Yes No +  + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Land Use +Property Restriction +No Zoning +Zoning Compliance +HUD Data Plate Attached +Yes +HUD Label Present for All Sections Yes diff --git a/chunks/txt/6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110.txt b/chunks/txt/6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110.txt new file mode 100644 index 0000000000000000000000000000000000000000..6625a5d3bbe25d095bc2bcf25ef8f9eb03d7ea25 --- /dev/null +++ b/chunks/txt/6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110.txt @@ -0,0 +1,102 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Overall Quality and Condition: General Information + +15.000 + +Overall Quality + +1600.0007 + +OverallQualityRatingCode + +Delivered value must only contain one of those listed in the Supported Data Point Enumerations +column. Q1 – Q6 + +15.002 + +Exterior Quality + +1600.0005 + +ExteriorQualityRatingCode + +Redisplays from 8.002 + +15.004 + +Interior Quality + +0700.0067 + +InteriorQualityRatingCode + +Redisplays from 10.034 for each unit in the dwelling if AccessoryDwellingUnitIndicator = “false”. + +15.005 + +Overall Condition + +1600.0006 + +OverallConditionRatingCode + +Delivered value must only contain one of those listed in the Supported Data Point Enumerations +column. C1 – C6 + +15.007 + +Exterior + +Condition + +1600.0004 + +ExteriorConditionRatingCode + +Redisplays from 8.023 + +Page 230 + +Examples + +Single Family + +- 1 unit +- Homeowner is responsible for Interior and Exterior maintenance. + +Figure 15 - 1 + +High Rise Condo + +- 1 unit +- Homeowner is not responsible for exterior maintenance. (Exterior Quality and Exterior Condition are not applicable.) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 15 - 2 + +Page 231 + +Multiple Dwellings/Multiple Units + +- 3 Units in 2 separate buildings (Dwellings) +- Homeowner is responsible for exterior maintenance. +- Exterior Quality and Condition is listed for each Dwelling; Interior Quality and Condition are provided for each Unit that is not an ADU. + +Figure 15 - 3 + +Reconciliation of Overall Quality and Condition + +The Reconciliation of Overall Quality and Condition subsection always displays. diff --git a/chunks/txt/6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4.txt b/chunks/txt/6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..05a87acc6cab6b4f15f4838b01df9887a9381b3f --- /dev/null +++ b/chunks/txt/6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4.txt @@ -0,0 +1,18 @@ +To schedule your verification with the GSEs, please contact one of the below GSE contacts: +• Fannie Mae: Jennifer Cagle jennifer_cagle@fanniemae.com +• Freddie Mac: Bailie Jones bailie_jones@freddiemac.com + +As you use each GSE’s UAD Compliance API, please notify the same GSE contacts if you notice any discrepancies +between the results provided by the API and the UAD 3.6 Compliance Rules listed on each GSE’s website. + +If you are interested in an integration to the UAD Compliance API, follow the link to the TSP Intake Form +below. + +TSP Intake Form + +We will review your information and contact you with next steps including contractual requirements and +credential-setup to access our API Developer Portal. Otherwise, please ensure you have access to our API +Developer Portal and respond to this email to inform me of your timeline for building to the API. Additional +resources for the UAD Compliance API (UCA) can be reached via Fannie Mae’s Technology Integration Resources. + +© 2025 Fannie Mae 3.27.25 Page 1 of 1 diff --git a/chunks/txt/6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3.txt b/chunks/txt/6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1d7b95b7bbff346f463f87bf30978dd9c97f264 --- /dev/null +++ b/chunks/txt/6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/enterprise-multifamily-businesses" +date_accessed: "2026-01-27T17:54:20.680Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b.txt b/chunks/txt/6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a392f8bdde8b6bdc443777e305ae22675f129049 --- /dev/null +++ b/chunks/txt/6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b.txt @@ -0,0 +1,129 @@ +Updated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5) + +Phase UID + +Data Point + +Enum + +Form Field +Name / Context + +UCD v1.5 Specification + +Superseding CEM Requirement + +1 + +3.030 Regulation Z Total + +Points And Fees +Amount + +GSE – Reg Z / +QM + +1. Must exist for all loans +Must be > = “0” + +1. Must exist for all loans +2. Must be > = 0 +3. Must be no greater than the +amount allowed by Revised +General QM Rule for the loan +amount range + +Must be no greater than the applicable + +percent of the Regulation Z Total Loan +Amount + +1 + +4.038 Loan Price Quote + +2 + +2 + +Interest Rate +Percent + +Note Amount + +4.001 +10.032 + +10.038 Closing Adjustment +Item Type = "Seller +Credit" + +2 + +10.036 Closing Adjustment +Item Amount + +GSE – Reg Z / +QM + +Regulation Z Excluded Bona Fide +Discount Points Indicator = "true" + +1. Regulation Z Excluded Bona Fide +Discount Points Indicator = "true" + +2. Must be greater than "0" + +1. Must exist for all loans +2. Must be greater than "0" + +1. LoanPurposeType = “Purchase” +2. Seller credit paid already by or +on behalf of the borrower at +closing is part of the transaction. + +Must exist for all loans + +1. Loan Purpose Type = + +“Purchase” + +2. Seller credit paid +already by or on +behalf of the borrower +at closing is part of +the transaction. + +1. Loan Purpose Type = + +1. Loan Purpose Type = + +“Purchase” + +2. Closing Adjustment +Item Type = "Seller +Credit" + +“Purchase” + +2. Closing Adjustment Item Type = + +"Seller Credit" + +3. Must be greater than or equal to + +"0" + +2 + +10.028 Funds Type = + +1. Loan Purpose Type = + +1. Loan Purpose Type = + +“Deposit On Sales +Contract” + +“Purchase” + +“Purchase” diff --git a/chunks/txt/6fd9de1ec01a312c8ab8b273693378af35f1ac6359b6987166cdeef1d8603f68.txt b/chunks/txt/6fd9de1ec01a312c8ab8b273693378af35f1ac6359b6987166cdeef1d8603f68.txt new file mode 100644 index 0000000000000000000000000000000000000000..e4a4fdadeda01d0a28ee727b355f407be7d57a07 --- /dev/null +++ b/chunks/txt/6fd9de1ec01a312c8ab8b273693378af35f1ac6359b6987166cdeef1d8603f68.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13621","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c.txt b/chunks/txt/6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c.txt new file mode 100644 index 0000000000000000000000000000000000000000..3565cbe04fccb14f1f0aaa80affba2c5ce921ddd --- /dev/null +++ b/chunks/txt/6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c.txt @@ -0,0 +1,175 @@ +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 Year 1 + +5.1.2 Year 2 + +5.1.3 Year 3 + +5.1.4 Years 4 - 30 + +5.2 Principal & Interest + +5.2.1 + +5.2.4 + +5.2.6 + +5.2.2 $761.78 +5.2.3 + +5.2.5 $861.78 + +5.2.7 $961.78 + +5.2.8 +5.2.9 + +$1,062 min +$1,262 max + +Figure 59. P&I Payments for Loan with Negative Amortization + +Appendix E: UCD Implementation Guide + +Page 88 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +Table 76. P&I Payments for Loan with Negative Amortization + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +First Instance of PROJECTED_PAYMENT + +5.2.2 + +Year 1 Principal & +Interest ($) + +…/PROJECTED_PAY +MENT + +761.78 + +ProjectedPayment +PrincipalAndInteres +tMaximumPaymen +tAmount + +Second Instance of PROJECTED_PAYMENT + +5.2.5 + +Year 2 Principal & +Interest ($) + +…/PROJECTED_PAY +MENT + +861.78 + +ProjectedPayment +PrincipalAndInteres +tMaximumPaymen +tAmount + +Third Instance of PROJECTED_PAYMENT + +5.2.7 + +Year 3 Principal & +Interest ($) + +…/PROJECTED_PAY +MENT + +961.78 + +ProjectedPayment +PrincipalAndInteres +tMaximumPaymen +tAmount + +Fourth Instance of PROJECTED_PAYMENT + +Represented on +the form as +“$761.78” + +Represented on +the form as +“$861.78” + +Represented on +the form as +“$961.78” + +5.2.9 + +5.2.8 + +Years 4 – 30 +Principal & Interest +($) max + +…/PROJECTED_PAY +MENT + +Years 4 – 30 +Principal & Interest +($) min + +ProjectedPayment +PrincipalAndInteres +tMaximumPaymen +tAmount + +ProjectedPayment +PrincipalAndInteres +tMinimumPayment +Amount + +1261.78 + +ROF as “$1,262 +max” + +1061.78 + +ROF as “$1,062 +min” + +5.1 + +5.1 + +N/A + +N/A + +5.1.4 + +N/A + +End of PROJECTED_PAYMENT Instances diff --git a/chunks/txt/6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de.txt b/chunks/txt/6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de.txt new file mode 100644 index 0000000000000000000000000000000000000000..876691959b3d811024bc1295e4b0b2988873b2fa --- /dev/null +++ b/chunks/txt/6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de.txt @@ -0,0 +1,100 @@ +10 + +Money + +288 + +2 + +e-29 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Listing Status +Type + +Indicates the status for the comparable +listing or sale presented. + +289 + +2 + +e-30 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Short Date +Description + +The MMYY of the associated +comparable status. + +290 + +2 + +e-31 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Contract Date +Unknown Indicator + +Indicates if the contract date is +unavailable for a comparable settled sale. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEListingStatusType + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DATE_EXTENSION/COMPARISON_DATE_EXTENSION_S +ECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DATE_EXTENSION_SECTION_DATA/OF +FERING_DISPOSITION/@GSEShortDateDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON DETAIL/@GSEContractDateUnknownIndicator + +291 + +2 + +57 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. diff --git a/chunks/txt/6ff67e2354f04835408dc077f8e9014d9efcb668f182da54b4f1cf13af4c3ca3.txt b/chunks/txt/6ff67e2354f04835408dc077f8e9014d9efcb668f182da54b4f1cf13af4c3ca3.txt new file mode 100644 index 0000000000000000000000000000000000000000..befb0d357b9e9fe67f65f2c78f1b8cbf5815784f --- /dev/null +++ b/chunks/txt/6ff67e2354f04835408dc077f8e9014d9efcb668f182da54b4f1cf13af4c3ca3.txt @@ -0,0 +1,37 @@ +# Making government services easier to find + +USA.gov helps you locate and understand government benefits, programs, and information. + +## How do I ... + +- [Learn how the U.S. government is responding to the 2026 Winter Storm](/2026-winter-storm) + - [Stay safe through the winter storms with this PSA from the Secretary of Homeland Security](https://www.youtube.com/watch?v=FPGNdwq9LIs) + - [Get or renew a passport](/passport) + - [File for unemployment benefits](/unemployment-benefits) + +[Jump to all topics and services ![image](/themes/custom/usagov/images/Reimagined_Jump_to_Arrow.svg)](#all-topics-header) + +![image](/themes/custom/usagov/images/topics/ICONS_Reimagined_Benefits.svg) ## Government benefits and financial assistance + +Discover government benefits that you may be eligible for and learn how to apply. + +[Find benefits](/benefit-finder) + +## All topics and services + +- [## The U.S. and its government + +Learn about U.S. laws, history, and more. Buy government property. Contact elected officials and federal agencies.](/about-the-us) + - [## Complaints + +File complaints involving government agencies, telemarketers, products and services, travel, housing, and banking.](/complaints) + - [## Disability services + +Find government benefits and programs for people with disabilities and their families.](/disability-services) + - [## Disasters and emergencies + +Learn about disaster assistance and find government benefits for other emergencies.](/disasters-and-emergencies) + - [## Education + +Learn about Federal Student Aid and studying in the U.S. Find early intervention, special education, and Head Start programs.](/education) + - [## Government benefits diff --git a/chunks/txt/70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d.txt b/chunks/txt/70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f0a46f13cb1f043e97d980a11549898b8c82b27 --- /dev/null +++ b/chunks/txt/70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d.txt @@ -0,0 +1,27 @@ +February 27, 2024 + +## [FHFA House Price Index 2023 Q4](/news/videos/fhfa-house-price-index-2023-q4) + +![Preview image for the video "FHFA House Price Index 2023 Q4".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + +November 28, 2023 + +## [FHFA House Price Index 2023 Q3](/news/videos/fhfa-house-price-index-2023-q3) + +![Preview image for the video "FHFA House Price Index 2023 Q3".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + +August 29, 2023 + +## [FHFA House Price Index 2023 Q2](/news/videos/fhfa-house-price-index-2023-q2) + +![Preview image for the video "FHFA House Price Index 2023 Q2".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video + +July 24, 2023 + +## [2023 Duty to Serve Listening Session: Rural Housing](/news/videos/2023-duty-to-serve-listening-session-rural-housing) + +![Preview image for the video "2023 Duty to Serve Listening Session: Rural Housing".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - Video diff --git a/chunks/txt/700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0.txt b/chunks/txt/700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0.txt new file mode 100644 index 0000000000000000000000000000000000000000..a309a9da32c894d28d9676d7b349039c4c19f991 --- /dev/null +++ b/chunks/txt/700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0.txt @@ -0,0 +1,70 @@ +GSE Estimate Year +Of Improvement +Type + +The time period associated with the +updating or remodeling of the +property described by GSE +Improvement Area Type. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/CONDITION_DETAIL_EXTENSIO +N/CONDITION_DETAIL_EXTENSION_SEC +TION[@ExtensionSectionOrganizationName='U +NIFORM APPRAISAL +DATASET']/CONDITION_DETAIL_EXTENSI +ON_SECTION_DATA/CONDITION_DETAIL +[@_SequenceIdentifier='1..2']/@GSEEstimateYe +arOfImprovementType + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by +Property Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='PropertyConditi +on']/@_Comment + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='PhysicalDeficie +ncy' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='PhysicalDeficie +ncy' and @_ExistsIndicator='N'] + +UAD Requirement - Refer to Appendix D Improvements Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +23 + +Enumerated + +Allowable Values PDF Display +LessThanOneYearAgo less than one year ago +OneToFiveYearsAgo one to five years ago +SixToTenYearsAgo six to ten years ago +ElevenToFifteenYearsAgo eleven to fifteen years ago +Unknown timeframe unknown + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Improvements Section +This field must contain additional comments about the condition of the +property. diff --git a/chunks/txt/7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610.txt b/chunks/txt/7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610.txt new file mode 100644 index 0000000000000000000000000000000000000000..6539874d1da762dc326755a9c410dd9299505ff3 --- /dev/null +++ b/chunks/txt/7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610.txt @@ -0,0 +1,24 @@ +The UAD appraisal records that the Enterprises collect may include some appraisals related to other +lending sources, including FHA and portfolio loans, as well as appraisals not connected to any mortgage +loan, such as those associated with a denied loan application. One reason that the UAD records include +appraisals for non-Enterprise loans is that borrowers can file applications with multiple lenders and for +multiple mortgage products, and the ultimate originator may not be known when the appraisal is +conducted. In addition, originators of jumbo loans or other non-conforming loans may require appraisals +to be submitted to the UCDP to take advantage of the Enterprises’ automated collateral evaluation tools. +Finally, UAD appraisal records include appraisals not connected to any loan, such as appraisals associated +with non-transacted loans. + +FHFA receives UAD appraisal records from the Enterprises. The Agency currently possesses records +from 2013 through the most recent quarter. This collection includes more than 86 million records about +the “subject” single-family property and more than 405 million records about “comparable” single-family +properties. However, it is important to note that not all these records reflect a property’s final +appraisal(s). The UCDP is a transactional business system. As such, it contains UAD appraisal records +that may be incomplete or out of date. + +FHFA also receives appraisal records from FHA. In 2016, FHA adopted the use of the Uniform +Residential Appraisal Report (URAR) (Fannie Mae Form 1004/Freddie Mac Form 70) for single-family +homes and the standards the Enterprises developed, including adhering to the Mortgage Industry +Standards Maintenance Organization (MISMO®) Reference Model 2.6. These UAD-conforming +appraisals are submitted to FHA through their Electronic Appraisal Delivery (EAD) Portal.4 The EAD is +a transactional database system. As such, it contains appraisal records that may be incomplete or out of +date. diff --git a/chunks/txt/70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d.txt b/chunks/txt/70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..86ff59bfebb92f8d723520cb4775d2ff86c0898e --- /dev/null +++ b/chunks/txt/70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d.txt @@ -0,0 +1,101 @@ +Page 4 of 29 +Page 4 of 29 + +Site (continued) + +Site Exhibits + +Property Access (Street Scene) - East + +Property Access (Street Scene) - West + +This is where the Property Access East Facing photo would display. + +This is where the Property Access West Facing photo would display. + +Hazard Zone - USGS Lava Flow Zone + +Disaster Mitigation + +Mitigation Feature + +Impact Resistant Glass + +Disaster Mitigation Commentary + +The subject has impact resistant glass to protect from potential wind damage. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 5 of 29 +Page 5 of 29 + +Sketch + +Measurement Standard + +ANSI + +Floor Plan + +Sketch Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 6 of 29 +Page 6 of 29 + +Dwelling Exterior - Building 1 + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +1 +Ranch +Up to 1 foot +1985 +Site Built +None + +This is where the Dwelling 1 Front photo would display. + +Quality and Condition + +Exterior Quality Rating + +Q5 + +Exterior Condition Rating + +C4 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Foundation + +Roof + +Detail +Engineered Wood + +Quality Comment +T-111 siding + +Condition Status +Typical Wear and Tear diff --git a/chunks/txt/7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc.txt b/chunks/txt/7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..4751587ff872a1924a8a28018f04094d5e0d1e82 --- /dev/null +++ b/chunks/txt/7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc.txt @@ -0,0 +1,3 @@ +04 Site ................................................................................................................................................................................................................................................ 113 + +Overview ................................................................................................................................................................................................................................................ 113 diff --git a/chunks/txt/70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40.txt b/chunks/txt/70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2d2b3a516b4975768cc36ae3aef0f11ec8a0044 --- /dev/null +++ b/chunks/txt/70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40.txt @@ -0,0 +1,114 @@ +01=11th District cost of funds; 02=Other cost of funds; +03=LIBOR; 04=1 year constant Treasury Rate; 99=Not +an ARM +Margin added to the index used for the calculation of +the interest on an ARM. 9999=Not Applicable +Date when prepayment penalty ends; report 9999-12- +31 if not applicable +1=Hispanic or Latino; 2=Not Hispanic or Latino; +3=Information not provided; 4=Not applicable (First or +primary borrower is an institution, corporation or +partnership) +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) + +47 + +Borrower1Race3Type + +Race3 + +Borrower1 Race3 Type + +48 + +Borrower1Race4Type + +Race4 + +Borrower1 Race4 Type + +49 + +Borrower1Race5Type + +Race5 + +Borrower1 Race5 Type + +50 + +Borrower2EthnicityType + +CoEth + +Borrower2 Ethnicity Type + +51 + +Borrower2Race2Type + +CoRace2 + +Borrower2 Race2 Type + +52 + +Borrower2Race3Type + +CoRace3 + +Borrower2 Race3 Type + +53 + +Borrower2Race4Type + +CoRace4 + +Borrower2 Race4 Type + +54 + +Borrower2Race5Type + +CoRace5 + +Borrower2 Race5 Type + +55 HOEPALoanStatusType + +HOEPA + +HOEPA Loan Status Type + +56 + +LienPriorityType + +LienStatus + +Lien Priority Type + +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later diff --git a/chunks/txt/704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9.txt b/chunks/txt/704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9.txt new file mode 100644 index 0000000000000000000000000000000000000000..b29d47ba1397e71307ae33a1dafaf04eb60383b3 --- /dev/null +++ b/chunks/txt/704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9.txt @@ -0,0 +1,238 @@ +Energy Efficient and Green Features Exhibits + +Solar Panels + +HERS Score + +This is where the Solar Panel photo would display. + +DOE Score + +This is where the image of the Home Energy Score would display. + +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 5 of 22 +Page 5 of 22 + +Sketch + +Measurement Standard + +ANSI + +Sketch + +22' + +' + +2 + +Bath + +Walk in +Closet + +Family +Room + +42' + +1/2 +Bath + +22' + +42' + +Bath + +Bath + +Kitchen + +Bedroom + +Bedroom + +' + +8 +2 + +Bedroom + +Living +Room + +22' + +' + +2 + +1st Floor + +3 +2 + +' + +2 Car Garage + +2 +4 + +' + +' + +2 +3 + +2nd Floor + +3 +2 + +' + +Foyer + +42' + +22' + +Unfinished Below Grade + +Dining + +22' + +Bedroom + +Bedroom + +22' + +42' + +20' + +Finished Below Grade + +Living + +Storage + +2 +8 + +' + +' + +8 +2 + +3 +2 + +' + +Family +Room + +' + +2 +3 + +Kitchen + +ADU + +3 +2 + +' + +22' + +20' + +Bedroom + +Bath + +22' + +Living Area +1st Floor + +2nd Floor + +Total Living Area (Rounded): +Non-living Area +2 Car Garage + +ADU + +Unfinished Below Grade + +Finished Below Grade + +Area Calculations Summary + +Calculation Details + +1960 Sq ft + +1344 Sq ft + +3304 Sq ft + +528 Sq ft + +704 Sq ft + +616 Sq ft + +640 Sq ft + +32 × 42 = 1344 +22 × 28 = 616 + +42 × 32 = 1344 + +24 × 22 = 528 + +22 × 32 = 704 + +28 × 22 = 616 + +32 × 20 = 640 + +Sketch does not represent actual dimensions of pictures, used for example only. + +Dwelling Exterior + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +2 +Colonial +1-2 Ft. +1979 +Site Built +None + +This is where the Dwelling Front photo would display. diff --git a/chunks/txt/704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719.txt b/chunks/txt/704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ddd99f78bafc609a7bc993bf43c5442bc1920ab --- /dev/null +++ b/chunks/txt/704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719.txt @@ -0,0 +1,46 @@ +##### Uniform Loan Delivery Dataset + +Part of UMDP, ULDD is the common set of data elements required by Fannie Mae and Freddie Mac for single-family loan deliveries. + +[Learn More **](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset) + +##### Uniform Closing Dataset + +The UCD is an ongoing effort to improve closing data integration and consistency. + +[Learn More **](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) + +### Stay informed with the latest information + +Sign up for key policy, technology, and product updates. + +[Sign up for email updates **](https://singlefamily.fanniemae.com/form/notification-center) + +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); } }); + +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + +### Have questions? + +Get answers to your policy and guide questions, straight from the source. + +[Get Started **](/applications-technology/ask-poli) + +###### Work with Fannie Mae + +- [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + +###### Products & Solutions + +- [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + +###### Support & Resources + +- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) diff --git a/chunks/txt/706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065.txt b/chunks/txt/706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065.txt new file mode 100644 index 0000000000000000000000000000000000000000..b2a260e0848afe5d80b61cb69e6d349708beefd1 --- /dev/null +++ b/chunks/txt/706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065.txt @@ -0,0 +1,39 @@ +Uniform Appraisal Dataset (UAD) 3.6 Frequently Asked Questions + +General + +1. What is UAD and why is it being updated? + +The UAD is a standardized industry dataset for appraisal property reporting that is communicated electronically +through the Uniform Collateral Data Portal® (UCDP®). Fannie Mae and Freddie Mac (GSEs) are updating the UAD +to create a data-driven, dynamic reporting structure to capture property and market information. The limitation +of the legacy forms is that additional required data is provided in a free-form commentary addendum. This +update allows for one reporting structure that accounts for all property and inspection types. As part of this +initiative, the GSEs are aligning to the latest version of the Mortgage Industry Standards Maintenance +Organization (MISMO®) Reference Model 3.6. + +2. Are the appraisal report forms being replaced? + +Yes, the appraisal report forms listed below are being replaced with a data-driven, flexible, dynamic structure for +appraisal reporting. The redesigned Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update +Report, and Completion Report each have a similar look and feel to the Uniform Residential Loan Application +(URLA) and the Closing Disclosure (CD). + +Individual Condominium Unit Appraisal Report (1073 / 465) +Individual Condominium Unit Appraisal Report (Desktop) (1073 Desktop / 465D) +Individual Condominium Unit Appraisal Report (Hybrid) (1073 Hybrid / 465H) + +• Uniform Residential Appraisal Report (1004 / 70) +• Uniform Residential Appraisal Report (Desktop) (1004 Desktop / 70D) +• Uniform Residential Appraisal Report (Hybrid) (1004 Hybrid / 70H) +• +• +• +• Exterior-Only Inspection Individual Condominium Unit Appraisal Report (1075 / 466) +• Exterior-Only Inspection Residential Appraisal Report (2055 / 2055) +• Manufactured Home Appraisal Report (1004C / 70B) +• +• Exterior-Only Individual Cooperative Interest Appraisal Report (2095) +• Small Residential Income Property Appraisal Report (1025 / 72) +• Single Family Comparable Rent Schedule (1007 / 1000) * See FAQ # 5 for more information. +• Appraisal Update and/or Completion Report (1004D / 442) diff --git a/chunks/txt/706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930.txt b/chunks/txt/706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c77d9e8799eeb9c8e841c8f3363fe53467d4fc8 --- /dev/null +++ b/chunks/txt/706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930.txt @@ -0,0 +1,162 @@ +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +24 + +25 + +26 + +27 + +28 + +29 + +30 + +31 + +32 + +33 + +34 + +35 + +36 + +37 + +38 + +39 + +40 + +41 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +23 + +24 + +SUBJECT + +SUBJECT + +Occupant +Tenant + +Occupant +Vacant + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType=‘TenantOccupied’] + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY[@_CurrentOccupancyType=‘Vacant’] + +15 + +15 + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-22, 1-23, +1-24 (values of Property Current +Occupancy Type) must be indicated. +One and only one of fields 1-22, 1-23, +1-24 (values of Property Current +Occupancy Type) must be indicated. + +25 + +SUBJECT + +Special Assessments $ + +Property Tax Total +Special Tax +Amount + +The total of all of the property's special +real estate taxes for this tax year (Property +Tax Year Identifier) across all tax +jurisdictions and authorities. This is the +amount assessed for the tax year, not the +amount paid. (see Property Tax Special). + +/VALUATION_RESPONSE/PROPERTY/_TAX/@_TotalSpecialTaxAmount + +10 + +Money + +UAD Instruction - Refer to Appendix D Subject Section +Whole dollars only. If there are no special assessments applicable to the subject +property, the appraiser should enter zero (0) in this data field. diff --git a/chunks/txt/706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54.txt b/chunks/txt/706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54.txt new file mode 100644 index 0000000000000000000000000000000000000000..617110013bcb4f907a7c73bd757a8a03be2fdaa5 --- /dev/null +++ b/chunks/txt/706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54.txt @@ -0,0 +1,117 @@ +51c + +51d + +52 + +53 + +54 + +55 + +56 + +e-25 + +e-2 + +58 + +SALES +COMPARISON +APPROACH + +Address and +(Line 1) + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyStreetAddress + +SALES +COMPARISON +APPROACH + +Unit # +(Line 2) + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Unit Identifier + +The identification of the unit. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +UnitIdentifier + +Property City + +The city in which the subject property is +located. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyCity + +Property State + +The state in which the subject property is +located. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyState + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyPostalCode + +Project Name and + +Project Name + +The name of the project in which subject +property is located (e.g., the name of the +condominium or cooperative). + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectName diff --git a/chunks/txt/70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1.txt b/chunks/txt/70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e037551b61609266e762e18ceca97b30df7498d --- /dev/null +++ b/chunks/txt/70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1.txt @@ -0,0 +1,170 @@ +C1 to C6 + +Required when +Homeowner +Responsible for +Exterior Maintenance +of all Dwellings is Yes + +Dwelling Exterior +• + +Exterior Condition +Rating 8.023 + +No + +22.08.09 +22.08.23 + +Condition + +22.08.10 +22.08.24 + +Exterior Walls +and Trim + +When +Homeowner +Responsible +for Exterior +Maintenance +of all +Dwellings is +Yes for the +subject + +If relevant + +Required when the +row is included in the +sales comparison grid + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Dwelling Exterior +• + +Exterior Walls and +Trim Condition +Status 8.027 + +No + +• +• +• +• + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional + +Appendix F-1: URAR Reference Guide + +Page 253 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Exterior Quality and Condition + +Report +Field ID + +22.08.11 +22.08.25 + +Foundation + +If relevant + +Required when the +row is included in the +sales comparison grid + +22.08.12 +22.08.26 + +Roof + +If relevant + +Required when the +row is included in the +sales comparison grid + +22.08.12 +22.08.26 + +Roof + +If relevant + +Required when Roof +Observable is Yes, the +row is included in the +sales comparison grid + +22.08.13 +22.08.27 + +Windows + +If relevant + +Required when the +row is included in the +sales comparison grid + +If relevant, for +each +additional +feature + +Required when the +row is included in the +sales comparison grid + +22.08.15 +22.08.28 + +[Other Exterior +Feature] +22.08.14 +Exterior +Feature Other +Description +8.041 +populates +from Dwelling +Exterior diff --git a/chunks/txt/708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1.txt b/chunks/txt/708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1.txt new file mode 100644 index 0000000000000000000000000000000000000000..a79c70bf9383f81a0bfccaa8dac844b1aae06232 --- /dev/null +++ b/chunks/txt/708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1.txt @@ -0,0 +1,20 @@ +8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax +assessment records, public land records, and other such data sources for the area in which the property is located. + +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of +the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known +physical deficiencies that could affect the soundness or structural integrity of the property. + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was transmitted. + +12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for +sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and +the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. + +13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the +comparable sales for a minimum of one year prior to the date of sale of the comparable sale. diff --git a/chunks/txt/70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c.txt b/chunks/txt/70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c.txt new file mode 100644 index 0000000000000000000000000000000000000000..2da571d6be0189b8f89c3dcaf653357f45419783 --- /dev/null +++ b/chunks/txt/70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c.txt @@ -0,0 +1,108 @@ +• + +Energy Efficient and Green Features + +o Building Certification (LEED Gold) + +• Dwelling Exterior + +o Noncontinuous Finished Area +o Core heating system below grade + +• + +Rental Information + +o Single family rent schedule with no Income Approach +o Rental comps and sales comps display on one map (Sales Comparison Approach) + +• Use of 3D scan for measurements + +Notes: + +• + +• + +Condominiums with sites that are not owned in common are not a typical occurrence. The Scenario +illustrates the flexibility of the UAD dataset and the URAR to accommodate all forms of ownership. +Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +8675309 JENNY LN, ANYTOWN, IL 54321 + +SUMMARY + +Opinion of Market Value + +$900,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record +Contract Price +Listing Status + +05/23/2018 +Purchase +Mary Jones +Michael Jones +XYZ Builders +$895,000 +Pending + +Property Valuation Method +Appraiser Name + +Desktop Appraisal +Sam Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q3 +C1 + +Yes No +  +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised diff --git a/chunks/txt/70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff.txt b/chunks/txt/70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..e5d10cbb801f8cdac152ea4f747ca44898e7b401 --- /dev/null +++ b/chunks/txt/70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff.txt @@ -0,0 +1,29 @@ +6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior +to the date of sale of the comparable sale, unless otherwise indicated in this report. + +7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. + +8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that +has been built or will be built on the land. + +9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject +property and the comparable sales. + +10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in +the sale or financing of the subject property. + +11. I have knowledge and experience in appraising this type of property in this market area. + +12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing +services, tax assessment records, public land records and other such data sources for the area in which the property is located. + +13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from +reliable sources that I believe to be true and correct. + +14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject +property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I +have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the +subject property or that I became aware of during the research involved in performing this appraisal. I have considered these +adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and +marketability of the subject property. diff --git a/chunks/txt/70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8.txt b/chunks/txt/70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7a9580f2ba35296dce77f295ac5d43973509ee4 --- /dev/null +++ b/chunks/txt/70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8.txt @@ -0,0 +1,108 @@ +Kitchen + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Rust noted on the roof. Metal galvanized roofs +can detriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +No + +The stove is fully functional but considered +outdated, undersized and does not meet +current standards in the market. + +Some cabinet hardware is missing exhibiting +moderate wear and tear. + +Some cabinet hardware and cabinet fronts +missing exhibiting moderate wear and tear. + +Peeling paint that is cosmetic in nature. + +Peeling and worn paint that is cosmetic in +nature. + +Rust noted on the roof. Metal galvanized roofs +can detriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +Some hardware noted to be missing from +cabinets exhibiting moderate wear and tear. + +Some hardware noted to be missing from +cabinets exhibiting moderate wear and tear. + +No + +No + +No + +No + +No + +No + +No + +No + +None + +None + +None + +None + +None + +None + +None + +None + +None + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 25 of 29 +Page 25 of 29 + +Revision History + +Revision Date +10/07/2019 + +10/12/2019 + +URAR Section +Assignment Information + +Site + +Description +Corrected borrower name + +Added comment in “Description of Zoning Compliance” at client request + +Supplemental Information + +Supplemental Information Exhibits + +[Photo Caption Displays Here] + +This is where the Supplemental Information photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario diff --git a/chunks/txt/70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b.txt b/chunks/txt/70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a123390ea2a5f83552cf6494471b024a30be6e40 --- /dev/null +++ b/chunks/txt/70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b.txt @@ -0,0 +1,15 @@ +E-3-21, Acronyms and Glossary of Defined Terms: U (06/04/2025) + +Uniform Residential Appraisal Report (URAR): + +A dynamic appraisal report that addresses all residential one- to four-unit property types + +E-3-22, Acronyms and Glossary of Defined Terms: V (06/04/2025) + +virtual inspection + +A person remotely viewing the property using real-time video streaming technology. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 191 of 166 diff --git a/chunks/txt/70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291.txt b/chunks/txt/70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291.txt new file mode 100644 index 0000000000000000000000000000000000000000..967f53dfd57752a4e2660a03bcc50192d47bbaf3 --- /dev/null +++ b/chunks/txt/70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291.txt @@ -0,0 +1,42 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 11.1 Aug. Update + +June 7, 2023 + +Updated July 14, 2023 + +During the weekend of Aug. 19, 2023, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The +changes in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of Aug. 19, 2023. + +Please review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support +this release. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require +updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may +also require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated +message changes. + +New Messages + +Modified Messages + +Retired Messages + +2 + +8 + +1 + +Added July 14, 2023: Effective the weekend of August 19, 2023, verification reports can now be obtained for DO loan casefiles +submitted using the Preliminary Findings. This enhancement will allow those DO loan casefiles to receive validation messages, as +well as use the positive rent payment history feature and the cash flow assessment feature. + +The “Final” DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to +authorized subscribers on or about July 18th, 2023. diff --git a/chunks/txt/70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945.txt b/chunks/txt/70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945.txt new file mode 100644 index 0000000000000000000000000000000000000000..affcf57af803c683df2054a263bf2f80ee6f8f3e --- /dev/null +++ b/chunks/txt/70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945.txt @@ -0,0 +1,58 @@ +Learn more about the Mission Index: Mission Index Overview | Fannie Mae + +Note: To view the loan-level Mission Index scores prior to loan closing, log in to Fannie Mae Connect and search for “Loan- +Level Mission Score Dashboard”. + +May 20, 2024 + +CPM Validation Edits + +To ensure data integrity, Loan Delivery will begin validating that the data provided in Condo Project Manager (CPM) +matches the data provided in Loan Delivery. + +New edits will validate that the following datapoints match: + +• Project Name +• Property State +• +Legal Structure +• Manufactured Housing + +May 20, 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +For a comprehensive list of edit updates, see the LD Edit Change Effective Date column in the Loan Delivery Business Rules. + +• +• + +6 new edits to validate Property Data – CPM (1 informational, 5 warning) +1 new informational edit to validate appraisal data + +© 2023 Fannie Mae Page 6 of 10 + +• + +3 edits moving to warning for Credit Score + +Jun 24, 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +• +• +• +• + +3 warning edits will move to fatal (Pool minimum servicing fee, Duty to Serve, and cooperatives eligibility) +1 new informational edit to validate VA loan amount +1 new warning edit to validate HomeStyle Renovation eligibility +Edit 2697 will move to warning on June 24 and fatal on August 19 for all loans committed through the Servicing +Marketplace (SMP). For loans not committed through SMP, this edit will move to warning on October 21. diff --git a/chunks/txt/70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a.txt b/chunks/txt/70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9cdb8606f58662cdfdaa1856530ef45446c841f --- /dev/null +++ b/chunks/txt/70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/fraud-prevention" +date_accessed: "2026-01-27T17:54:20.537Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b.txt b/chunks/txt/70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc1b4d22f943ec124e6dae16d16b773b167a4aef --- /dev/null +++ b/chunks/txt/70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/news/news-release" +date_accessed: "2026-01-27T17:54:20.476Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76.txt b/chunks/txt/70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76.txt new file mode 100644 index 0000000000000000000000000000000000000000..5250ec79a358bc5accc7aad77b1498ec218fa8c7 --- /dev/null +++ b/chunks/txt/70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76.txt @@ -0,0 +1,123 @@ +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and +only one of fields 1-50, 1-51 (values of +Sales Concession Indicator) must be +indicated. + +CR + +T + +CR + +CR + +T + +CR + +CR + +T + +CR + +CR + +CR + +CR + +52a + +CONTRACT + +If Yes, report the total dollar +amount and describe the items +to be paid. + +Sales Concession +Amount + +The dollar amount of the value of sales +concessions granted by an interested party +including such items as furniture, +carpeting, decorator allowances, +automobiles, vacations, securities, +giveaways or other sales incentives. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess +ionAmount + +10 + +Money + +UAD Requirement - Refer to Appendix D Contract Section +Whole dollars only. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +If field 1-50 is indicated, and e-4 has a +value of 'N', then this field is required. + +CR + +CR + +CR + +56 + +1 + +e-4 + +CONTRACT + +If Yes, report the total dollar +amount and describe the items +to be paid. + +GSE Undefined +Concession +Amount Indicator + +Indicates whether there is a known sales +or financing concessions with an +unknown dollar amount. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_CONC +ESSION_EXTENSION/SALES_CONCESSION_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/SALES_CONCESSION_EXTENSION_SECTION_DATA/SALES_ +CONCESSION/@GSEUndefinedConcessionAmountIndicator + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if field 1-50 is +indicated. + +CR + +CR + +CR + +57 + +1 + +52b + +CONTRACT + +If Yes, report the total dollar +amount and describe the items +to be paid. diff --git a/chunks/txt/711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e.txt b/chunks/txt/711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e.txt new file mode 100644 index 0000000000000000000000000000000000000000..581504fa7457a252cf9216f7b1a1f142b9ea8ebe --- /dev/null +++ b/chunks/txt/711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e.txt @@ -0,0 +1,66 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Report PDF + +The URAR is a dynamic report with sections (black tabs) that vary based on information contained in the Appraisal. This data-driven, +flexible, and dynamic structure for appraisal reporting will replace the legacy appraisal forms listed above. See Appendix E - Report Style +Guide, which includes specifications for the overall design elements that apply to all pages of the Uniform Residential Appraisal Report. + +Page 24 + +The organization of the report PDF is laid out in a four-level hierarchy of information, each with defined headings and style. + +1. At the highest level, there are sections that appear in a black rounded tab with white lettering. This will repeat at the top of + +each page and will be followed by “(continued)” if a section goes onto another page. + +2. Next are subsections that are defined by a gray bar and indicate a grouping of information contained within each section. +3. Labels are bolded. +4. Sub-Labels are not bolded. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 25 + +5. Two subsections display within most sections to allow for additional commentary to be provided to support the conclusion of + +value as well as exhibits such as images, maps, etc. + +This table shows the sections of the URAR and when they appear or repeat. For more information about a section, +reference the appropriate chapter of this guide. + +Section # Section Header + +When Section Displays on Report + +When Section Displays Multiple Times + +1 + +2 + +3 + +4 + +5 + +6 + +7 + +8 + +Summary + +Assignment Information + +Subject Property + +Site + +Always + +Always + +Always diff --git a/chunks/txt/7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88.txt b/chunks/txt/7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b719771a3214926dc291d952fbc267a7132ca89 --- /dev/null +++ b/chunks/txt/7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88.txt @@ -0,0 +1,147 @@ +Completion Report + +HF.001 + +Subject Property + +Physical Address +County + +01.001 + +01.002 + +01.001.1 + +Page [Page] of [Pages] + +Legal Description + +01.003 01.003.1 | 01.003.2 + +Original Appraisal + +Effective Date of Appraisal +Opinion of Market Value +Market Value Condition + +02.001 + +02.002 + +02.003 + +Final Value Condition Statement + +02.007 + +Itemized List of Repairs + +Appraiser + +Reference ID +Original Lender + +02.004 + +02.005 + +02.006 + +Affects +Soundness +or Structural +Integrity +03.001 03.002 03.003 03.004 03.005 03.006 03.007 + +Repair +Completed + +Inspection Date + +Description + +Location + +Completion +Comment + +Feature + +New Observed Items for Repair + +Feature + +Location + +Description + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +Inspection Date + +04.001 04.002 04.003 04.004 04.005 04.006 + +Completion Status + +Is construction complete? +Was construction completed in a manner consistent with the original plans and +specifications? + +Yes No +(cid:133) (cid:133) +(cid:133) (cid:133) + +05.001 + +05.002 + +Feature + +Location + +Comparison to Original +Plans/Specs + +Comment + +05.003 05.004 05.005 05.006 + +Completion Report Commentary + +06.001 + +Completion Report Exhibits + +07.001.1 | 07.001.2 03.001.1 | 03.001.2 04.001.1 | 04.001.2 05.001.1 | 05.001.2 05.003.1 | 05.003.2 + +Assignment Information + +Borrower Name + +08.001 + +08.002 + +Appraiser Fee +AMC Fee +Government Agency +Investor Requested Special Identification + +08.004 + +08.003 + +08.005 + +Completion Version # + +HF.002 + +Fannie Mae | Freddie Mac +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) diff --git a/chunks/txt/7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663.txt b/chunks/txt/7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e60cf8e8675de2b436bc7fe5406bfff6b589ac4 --- /dev/null +++ b/chunks/txt/7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663.txt @@ -0,0 +1,193 @@ +View | Range + +Dwelling(s) + +Year Built + +Noncontinuous +Finished Area + +Disaster Mitigation + +$895,000 + +Pending + +$895,000 + +No + +05/16/2018 + +26 + +Detached + +Fee Simple + +MLS 5420130 | +Assessor Record + +0.12 Miles S + +$915,000 + +Active + +— + +— + +— + +— + +— + +— + +— + +28 + +Detached + +Fee Simple + +Yes + +Grammy Gold + +Grammy Gold | Yes + +$500 + +$500 + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +No + +No + +13,939 Sq. Ft. + +14,100 Sq. Ft. + +$0 + +Grammy Gold + +Grammy Gold + +Gated Community +| Golf Course + +Gated +Community | +Golf Course + +Golf Course | Full +Residential | Full + +Golf Course | Full +Residential | Full + +2018 + +2018 + +360 Sq. Ft. + +360 Sq. Ft. + +Heating + +Forced Warm Air | Natural Gas + +Impact Resistant Glass | +Impact Resistant Shingles + +Impact Resistant +Glass | Impact +Resistant +Shingles + +Forced Warm Air +| Natural Gas + +Energy Efficient and Green Features + +Building Certification + +LEED Gold + +LEED Gold + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 17 of 24 +Page 17 of 24 + +Sales Comparison Approach (continued) + +Property Address + +Unit(s) + +Levels in Unit + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Unfinished Area +Below Grade + +Subject Property + +Comparable #4 + +8675309 Jenny Ln +Anytown, IL 54321 + +23412 Josephine St +Anytown, IL 54321 + +2 + +3 + +2 | 1 + +2 + +3 + +2 | 1 + +1,552 Sq. Ft. + +1,232 Sq. Ft. + +320 Sq. Ft. + +1,550 Sq. Ft. + +1,250 Sq. Ft. diff --git a/chunks/txt/7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f.txt b/chunks/txt/7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e40a3a5d79f63da23b2dc2d8548cd59a1ff300e --- /dev/null +++ b/chunks/txt/7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f.txt @@ -0,0 +1,53 @@ +See SB5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties, for other requirements related to HomeStyle Refresh +loans. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 71 of 166 + +UAD 3.6 Policy + +SB4-1.3-01, Review of the Uniform Residential Appraisal Report (06/04/2025) + +Introduction + +This topic contains information on reviewing the appraisal report, including: + +• Overview +• Appraisal Report Analysis + +Overview + +The Uniform Residential Appraisal Report (URAR) and the appraisal review requirements for one- to four-unit properties have +been developed with the intent that the USPAP standards are followed, and that Fannie Mae’s policies are supportive of fair +lending practices. This topic provides lender requirements related to the transaction details and the property and appraisal +eligibility analysis. + +Appraisal Report Analysis + +When an appraisal report is obtained, the lender must analyze the + +• +• +• +• + +current contract for sale for purchase money transactions, +current offering or listing for sale for both purchase and refinance transactions when the home was listed for sale, +comparable sales for both purchase and refinance transactions, and +current ownership for the subject property (see SB4-1.1-02, Lender Responsibilities, for further information). + +The lender is responsible for validating that + +• + +• + +• + +the property meets Fannie Mae’s eligibility criteria (see SB2-3-01, General Property Eligibility, for eligibility +requirements); +the appraiser has provided a credible opinion of value that reflects the market value, condition, and marketability of the +subject property in compliance with Fannie Mae’s Selling Guide requirements (see SB4-1.3-12, Appraisal Quality Matters, +for further information); and +the appraisal conforms with SB4-1.1-04, Unacceptable Appraisal Practices. diff --git a/chunks/txt/712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e.txt b/chunks/txt/712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..477b6dd0ade6840554de7d15d7da00f16c2478df --- /dev/null +++ b/chunks/txt/712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e.txt @@ -0,0 +1,55 @@ +as “MISMO Name Space:Data Point.” + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 61 of 76 + +Section VI. V3.0 Reference Model Features Not Used in ULDDS + +Example VI-2. MISMO LDD Data Point Enumeration URN Suffix. + +Data Point: AttachmentType +Definition: Specifies the type of physical attachment, if any, between the dwelling + +unit and adjacent dwelling units. + +Enumerations: + Attached + Detached + SemiDetached + +Enumeration URN Suffixes: + +MISMO Namespace + +Data Point + +Enumeration + + urn:org:MISMO:residential:2009:LDD:AttachmentType:Attached + urn:org:MISMO:residential:2009:LDD:AttachmentType:Detached + urn:org:MISMO:residential:2009:LDD:AttachmentType:SemiDetached + +Notes: The URN Suffix is another way of identifying data point valid value + +combinations. This is formed as “MISMO Name Space:Data +Point:Enumeration.” + +B. Containers +1. URN + +In the same way as for data points and enumerations, a “URN” column is included in +the LDD for every container. The URN is simply the MISMO Name Space in URN +Form, followed by a colon, then the container name, all without spaces. This is +another representation of the container. Business partners usually do not need to refer +to this column. + +Example VI-3. MISMO LDD Container URN Suffix. + +Container: INTEREST_LIFETIME_ADJUSTMENT_RULE +Definition: Data that describes the rules that that apply to interest rate adjustments +in effect for the entire life of the loan or for a single unique occurrence such as a +first rate adjustment. In general the elements are usually known at the time of +closing. diff --git a/chunks/txt/713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8.txt b/chunks/txt/713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8.txt new file mode 100644 index 0000000000000000000000000000000000000000..b27d5b22005140f18bd3be9b72d1fd17c137a92a --- /dev/null +++ b/chunks/txt/713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8.txt @@ -0,0 +1,48 @@ +• + +report the total dollar amount of the value of all sales concessions that will be paid by an interested party, including +monetary contributions or items such as furniture, carpeting, etc. (if the appraiser is not able to determine a dollar +amount for all or part of the financial sales concessions, the appraiser must select ‘no’); +identify whether the sales concession is typical for the market; and + +• +• provide a description of the items being paid. + +Prior Sale and Transfer History - Subject + +The appraiser must report on all prior sales or transfers (not the current sale) for the subject property for three years prior to the +effective date of the appraisal, or longer if relevant. + +Prior Sale and Transfer History – Comparable Sales + +The appraiser must report in the Sales Comparison Approach section for each comparable property all prior sales or transfers +that occurred within one year prior to the sale or listing reported in the Sales Comparison Approach: + +• + +Settled sales: All sales or transfers 12 months prior to the comparable sale date as reported in the Sales Comparison +Approach section; and + +• All other non-settled comparables (Active, Pending, or Off Market): All sales or transfers 12 months prior to the + +effective date of the appraisal. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 74 of 166 + +UAD 3.6 Policy + +SB4-1.3-03, Market Section of the Uniform Residential Appraisal Report +(06/04/2025) + +Introduction + +This topic contains information on reviewing the Market section of the appraisal report, including: + +• Overview +• Market Area Boundaries, Description and Analysis +• Degree of Development +• Market Trends +• Over-Improvements +• diff --git a/chunks/txt/7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d.txt b/chunks/txt/7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d.txt new file mode 100644 index 0000000000000000000000000000000000000000..b9505314b87ab5a2120b5d274ed0ceabd82bc419 --- /dev/null +++ b/chunks/txt/7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d.txt @@ -0,0 +1,131 @@ +Page 7 of 30 +Page 7 of 30 + +Dwelling Exterior (continued) + +Quality and Condition + +Exterior Quality Rating + +Q4 + +Exterior Condition Rating + +C1 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Detail +Vinyl + +Foundation + +Roof + +Poured Concrete | Crawl +Space | Pier with Tie Down + +Composition +Estimated Age: Less than +1 year + +Quality Comment +Standard building plans and +materials + +Condition Status +New or Like New + +New or Like New + +30 year composition shingle + +New or Like New + +Condition Comment + +Foundation is a new poured +concrete footing to support +piers. + +Windows + +Vinyl + +Insulated + +New or Like New + +Core Heating System Below Grade + +Yes No +  + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Electric + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +Subject is a newly installed manufactured home. + +Dwelling Exterior Exhibits + +Dwelling Rear + +This is where the Dwelling Rear photo would display. + +Manufactured Home + +Manufacturer Name +Year Installed +Moved Since Original Installation No + +Really Nice Homes +2019 + +Attached to Permanent +Foundation +Towing Hitch, Wheels, Axles +Removed +Manufactured Home Width +Skirting + +Yes + +Yes +Multi +Vinyl + +Yes No +Have there been any modifications, attachments or additions that rely on or have altered the original structure for support?   + +HUD Data Plate + +HUD Data Plate Attached +Date of Manufacture +Serial Number + +Yes +01/15/2019 +orflw48A25709-gh13/ +orflw48B25709-gh13 diff --git a/chunks/txt/715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57.txt b/chunks/txt/715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57.txt new file mode 100644 index 0000000000000000000000000000000000000000..68124d3cafb51239ebeca127829534fcace995cd --- /dev/null +++ b/chunks/txt/715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57.txt @@ -0,0 +1,84 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 18 - 2 + +Page 250 + +Project Factors and Impact to Value/Marketability + +The Project Factors and Impact to Value/Marketability table provides information about the units within the project. The appearance of the +table varies based on the details of the property being appraised. + +Appendix B-1: URAR Implementation Guide v1.3 + +. + +The Project Factors and Impact to Value/Marketability table displays when either PropertyInProjectIndicator = “true” OR PUDIndicator = +“true”. + +Both Impact – ValueMarketabilityImpactType and Comment – ValuationCommentText require ValuationAnalysisCategoryType to be +specified. (Figure 18 - 3) + +Page 251 + +Figure 18 - 3 + + + +SingleEntityGreatestNumberOfUnitsOwned +Add comment if needed +Neutral + + + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Project Information: Project Factors and Impact to Value/Marketability + +Project Factor: Developer/Sponsor in Control + +18.064 + +Detail + +2500.0067 + +ProjectDeveloperOrSponsorControlsProjectManagementIndic +ator + +18.074 + +Impact + +2500.0144 ValueMarketabilityImpactType + +18.084 + +Comment + +2500.0143 ValuationCommentText + +Project Factor: Incomplete Project + +Appendix B-1: URAR Implementation Guide v1.3 + +Display when PropertyInProjectIndicator = “true” OR PUDIndicator = +“true” +When “true” display “Yes” +When “false” display “No” +Display when ValuationAnalysisCategoryType (UID: 2500.0142, FID: Not on +report) = "ProjectDeveloperOrSponsorControlsProjectManagement" +Display when (ValueMarketabilityImpactType = "Adverse" OR "Beneficial") +OR +(ValueMarketabilityImpactType = "Neutral" AND Exists)) OR +(ProjectDeveloperOrSponsorControlsProjectManagementIndicator = "false" +AND Exists) +Display when PropertyInProjectIndicator = “true” AND +ProjectCompletedIndicator (UID: 2500.0058, FID: Not on report) = “false” diff --git a/chunks/txt/7169ef60ca47c3fefd47810550aba0858d9db94988c6afe5ad491c9846a3a945.txt b/chunks/txt/7169ef60ca47c3fefd47810550aba0858d9db94988c6afe5ad491c9846a3a945.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e9e7316a42310b2d6ff1b54ca1692aaa63c3ca1 --- /dev/null +++ b/chunks/txt/7169ef60ca47c3fefd47810550aba0858d9db94988c6afe5ad491c9846a3a945.txt @@ -0,0 +1,88 @@ +8 +44 +$550,000 +$875,000 +$1,450,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Price Trend Source + +32 +$535,000 +$850,000 +$1,350,000 +No +Blank Gazette + +Price Trend Analysis Commentary The subject is located in a suburban area where there has not been a robust sales market for new +construction within a golf community. To develop a reasonable price trend there was a need to go back 12 months to review enough activity +to develop a market trend. The inventory remains low to moderate, and homes are selling in less than 60 days on average. + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time + +Under 3 Months + +The subject is located in a golf course community so comparable selection focused on properties with similar influences. The subject is +considered a site condominium, which means the dwelling is maintained by the owner, the land is not owned in common, but the legal +description has an undivided interest. These property types are somewhat unique so finding sales with the same ownership rights is more +limited. There is no measurable impact to marketability within this area. + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Yes No +  + +  +  + +Project Name +Project Information Data Source Assessor Record + +Grammy Gold + +Project Completeness + +Are units, common areas, and amenities in project +complete? +Converted in Past 3 Years + +Ground Rent + +Total Units +Units Sold +Units for Sale +Units Rented + +Builder or Developer +HOA +50 +47 +3 +~2 + +Reason Units Rented is Estimated The data shows only two off- +site mailing addresses, therefore assumed that they are rented units. +Mandatory Fees (HOA, PUD, or Co-op) diff --git a/chunks/txt/716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f.txt b/chunks/txt/716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c15730b37ef8849e95d01c00f5dfd2cbb3b3926 --- /dev/null +++ b/chunks/txt/716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f.txt @@ -0,0 +1,43 @@ +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields +1-132, 1-133, 1-134, 1-135, 1-136, 1- +137 (values of Project Design Type) +should be indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields +1-132, 1-133, 1-134, 1-135, 1-136, 1- +137 (values of Project Design Type) +should be indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields +1-132, 1-133, 1-134, 1-135, 1-136, 1- +137 (values of Project Design Type) +should be indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields +1-132, 1-133, 1-134, 1-135, 1-136, 1- +137 (values of Project Design Type) +should be indicated. + +String + +UAD Instruction - Refer to Appendix D Project Information Section diff --git a/chunks/txt/7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222.txt b/chunks/txt/7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222.txt new file mode 100644 index 0000000000000000000000000000000000000000..503774d11fa6e9159907e9beeb9e804dd47063b3 --- /dev/null +++ b/chunks/txt/7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222.txt @@ -0,0 +1,15 @@ +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. + +© 2023 Fannie Mae. + +10.25.23 + +3 of 3 diff --git a/chunks/txt/717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6.txt b/chunks/txt/717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..c1943a7762d801cece99009b5bc7d544f42e79cb --- /dev/null +++ b/chunks/txt/717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6.txt @@ -0,0 +1,94 @@ +29.066 Date of + +Signature and +Report + +29.067 + +Level + +Always displays for +each person signing +the report + +Always displays for +each person signing +the report + +Always displays for +each person signing +the report + +Allowable +Answers / Format + +Free-form + +mm/dd/yyyy + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Contact Name +The full name of the appraiser or supervisory appraiser, as it appears on the +ASC National Registry. + +Note: Redisplays from 2.017 (Appraiser) or 2.032 (Supervisory Appraiser). + +The date the appraisal is transmitted to the client upon completion of the +assignment. +Note: If revisions are performed, the report must reflect the new date. + +Credential Type +• + +None (includes noncredentialled appraiser trainees or jurisdictions that +don’t provide credentials to appraiser trainees) +Certified General +Certified Residential +Licensed Residential +Trainee Appraiser (appraiser trainees with an issued credential, also +referred to as Registered Trainee) +Other (Describe) + +• +• +• +• + +• + +29.068 + +ID + +Displays if Credential +Type is not None + +Free-form + +29.069 + +State + +Displays if Credential +Type is not None + +2-letter USPS state +code + +Note: Redisplays from 2.024 (Appraiser) or 2.039 (Supervisory Appraiser). + +The credential as reported by the ASC. Commonly referred to as “credential +number”, “license number”, or “certification number”. +Note: Redisplays from 2.025 (Appraiser) or 2.040 (Supervisory Appraiser). + +State credential that applies to the assignment, commonly referred to as the +“credentialling state”. +Note: Redisplays from 2.026 (Appraiser) or 2.041 (Supervisory Appraiser). diff --git a/chunks/txt/717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077.txt b/chunks/txt/717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad02f51b05d8fe693630f9df285c122b3055a4fa --- /dev/null +++ b/chunks/txt/717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077.txt @@ -0,0 +1,68 @@ +3900.0155 + +RELATIONSHIP + +@xlink:from + +DEFECT_n + +3900.0156 + +RELATIONSHIP + +@xlink:to + +PROPERTY_UNIT_n + +3900.0129 + +DEFECT + +@xlink:label + +DEFECT_n + +3900.0119 + +PROPERTY_UNIT @xlink:label + +PROPERTY_UNIT_n + +Each defect reported in this section must be associated to the living unit where the defect was identified. i.e., DEFECT container must have an +arcrole to the instance of the PROPERTY_UNIT container where the defect was identified. + +The example below demonstrates the arcrole, there is a flooring defect (xlink:label = “Defect_FlooringDefect”) that is related to subject +property unit 1 (xlink:label = “PROPERTY_UNIT_SubjectUnit1”). + +Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information. + +Appendix B-1: URAR Implementation Guide v1.3 + +11 Functional Obsolescence + +Page 200 + +The Functional Obsolescence section provides information about any functional issues. The section provides space for additional +commentary and exhibits. + +The Functional Obsolescence section always displays in the report. + +• When Functional Issues - FunctionalIssueType (UID:3600.0002, FID: 11.000) = “None”, None displays in the field. (Figure 11 - 1) +• When Functional Issues are identified, additional details for each functional issue must be provided in Functional Obsolescence + +Commentary. + +o + +If there are multiple functional issues, all display in same row separated by "|". + +Figure 11 - 1 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 201 + +Functional Obsolescence Commentary + +The Functional Obsolescence Commentary subsection displays only when comments are provided. Any commentary must use +FunctionalIssueDescription (UID: 3600.0006, FID: 11.001). diff --git a/chunks/txt/717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d.txt b/chunks/txt/717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4a66e6c11e02425b871ffc4d1617e2602c1577a1 --- /dev/null +++ b/chunks/txt/717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d.txt @@ -0,0 +1,39 @@ +© 2025 Fannie Mae December 2025 Page 70 of 166 + +UAD 3.6 Policy + +✓ + +Requirements for HomeStyle Refresh Improvements on Existing Construction + +A Completion Report must be obtained to verify the work was completed and must: + +• be completed by the appraiser, +• + +state that the improvements were completed in accordance with the requirements and conditions in +the original appraisal report, and + +• be accompanied by photographs of the completed improvements. + +Lenders must establish a completion escrow for the total cost of the improvements. Lenders may include a +contingency reserve of up to 20% of the total cost of improvements. + +Lender must ensure the escrow account is a custodial account that satisfies Fannie Mae’s criteria for custodial +accounts and depositories as outlined in Servicing Guide, A4-1-02, Establishing Custodial Bank Accounts. + +Lenders and borrowers must execute an escrow agreement that states how the escrow account will be managed +and how funds from the escrow account will be disbursed. + +The completion escrow may not adversely affect the mortgage insurance or title insurance. + +Once a Completion Report is obtained, the lender must release the final draw from the escrow account, which +should include any funds in excess of the amount needed to pay for completion of the improvements. Any +funds remaining in the escrow account after the work is completed must be applied to reduce the unpaid +principal balance of the loan. The value of sweat equity and “Do It Yourself” improvements are not +reimbursable. + +Lenders must obtain a final title report, which must not show any outstanding mechanic’s liens, take any +exceptions to the postponed improvements, or take any exceptions to the escrow agreement. If the final title +report is issued before the completion of the improvements, lenders must obtain an endorsement to the title +policy that ensures the priority of Fannie Mae’s lien. diff --git a/chunks/txt/718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0.txt b/chunks/txt/718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..d5f7665eed848fb7cbd900ae83cfa29bad3d739f --- /dev/null +++ b/chunks/txt/718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0.txt @@ -0,0 +1,25 @@ +- [Other historical news releases and reports](/reports/house-price-index) +- [FHFA House Price Index® FAQs](/faqs/hpi) +- [Methodology: HPI Technical Paper](/research/papers/house-price-indexes-hpi-technical-description) +- [FHFA House Price Index® Focus Pieces](/data/hpi/focus-pieces) +## [Datasets](/data/hpi/datasets) + +--- + +[Monthly Purchase-Only Indexes](/data/hpi/datasets?tab=monthly-data) +The standard indexes reported in monthly news releases. Use prices from sales transactions of mortgage data obtained from the Enterprises. + +[Quarterly Purchase-Only Indexes](/data/hpi/datasets?tab=quarterly-data#qpo) +The standard indexes reported in quarterly news releases. Use prices from sales transactions of mortgage data obtained from the Enterprises. + +[Quarterly All-Transactions Indexes](/data/hpi/datasets?tab=quarterly-data#qat) +Build on the purchase-only index data by adding prices from appraisal data obtained from the Enterprises. + +[Quarterly Expanded-Data indexes](/data/hpi/datasets?tab=quarterly-data#qexe) +Build on the purchase-only data by adding transactions from FHA and county recorder data (with sales prices below the annual loan limit ceiling). + +[Purchase-Only Indexes Volatility Parameters](/data/hpi/datasets?tab=volatility-parameters) +The standard deviation of house price growth (accounting for the time between repeat sales). Use prices from sales transactions of mortgage data obtained from the Enterprises. + +[All-Transactions Indexes Volatility Parameters](/data/hpi/datasets?tab=additional-data) +The standard deviation of house price growth (accounting for the time between repeat sales). Build on the purchase-only volatility data by adding prices from appraisal data obtained from the Enterprises. diff --git a/chunks/txt/7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9.txt b/chunks/txt/7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9.txt new file mode 100644 index 0000000000000000000000000000000000000000..0dc5cb33d044c260841674f9473bea0f2b4f1d95 --- /dev/null +++ b/chunks/txt/7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9.txt @@ -0,0 +1,66 @@ +The BORROWER’S TRANSACTION includes sections to disclose prorated amounts due from the borrower(s) to +reimburse the seller(s) and vice versa. Under the heading “Adjustments for Items Paid by Seller in Advance” the +lender must disclose amounts of any item paid in advance due from the borrower(s) to reimburse the seller(s) at +closing, prorated for the period corresponding to each amount, if applicable. Prepaid items include city, town, or +county taxes, assessments, and any additional items paid by the seller prior to closing that are due from the +borrower(s) at closing. + +Summaries of Transactions +BORROWER’S TRANSACTION (11.0 – 13.0) + +11.0 K. Due from Borrower at Closing +07 + +Adjustments for Items Paid by Seller in Advance + +0811.6 City/Town Taxes 4/15/14 to 4/30/14 + +0911.7 County Taxes __ to __ + +1011.8 Assessments __ to __ + +1111.9 HOA Dues 4/15/14 to 4/30/14 +13 + +11.0.1 + +$252,347.30 + +$50.00 + +11.6.1 + +11.7.1 + +11.8.1 + +11.9.1 + +$30.00 + +Figure 96. Adjustments for Items Paid by Seller in Advance + +The Regulation specifies the order and contents of each of the first three line items that must appear in this +section (Figure 96). + +Appendix E: UCD Implementation Guide + +Page 169 of 254 + +Version 1.4 + +Uniform Closing Dataset + +11.0 K. Due from Borrower at Closing + +11.6 + +11.7 + +City or Town Taxes for which the seller has paid in advance, the start date and end date (inclusive) +covered by the payment, and the total dollar amount. + +County Taxes for which the seller has paid in advance, the start date and end date (inclusive) +covered by the payment, and the total dollar amount. + +11.8 Assessments for which the seller has paid in advance, the start date and end date (inclusive) diff --git a/chunks/txt/71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0.txt b/chunks/txt/71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0.txt new file mode 100644 index 0000000000000000000000000000000000000000..f961df35eaea00b611edb72aefa9911c298af5b3 --- /dev/null +++ b/chunks/txt/71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0.txt @@ -0,0 +1,45 @@ +09.013 + +5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and +limiting conditions herein. + +09.014 + +6. I certify that I did perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in the +original appraisal have been satisfied. + +6. I certify that I did not perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in +the original appraisal have been satisfied. + +Description: + +09.015 + +09.016 + +7. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal +and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +09.017 + +Additional Appraiser Certifications + +Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +1. + +09.018 + +09.019 + +Supervisory Appraiser Certifications + +09.020 + +The Supervisory Appraiser certifies and agrees that: + +09.021 + +1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the +subject property, or other parties involved in this transaction. diff --git a/chunks/txt/71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3.txt b/chunks/txt/71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf68edaba88da2c94261c55e7e801a2565f299de --- /dev/null +++ b/chunks/txt/71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3.txt @@ -0,0 +1,50 @@ +state_fips: 01 | state_name: AL | county_fips: 001 | county_name: Autauga County +state_fips: 01 | state_name: AL | county_fips: 003 | county_name: Baldwin County +state_fips: 01 | state_name: AL | county_fips: 005 | county_name: Barbour County +state_fips: 01 | state_name: AL | county_fips: 007 | county_name: Bibb County +state_fips: 01 | state_name: AL | county_fips: 009 | county_name: Blount County +state_fips: 01 | state_name: AL | county_fips: 011 | county_name: Bullock County +state_fips: 01 | state_name: AL | county_fips: 013 | county_name: Butler County +state_fips: 01 | state_name: AL | county_fips: 015 | county_name: Calhoun County +state_fips: 01 | state_name: AL | county_fips: 017 | county_name: Chambers County +state_fips: 01 | state_name: AL | county_fips: 019 | county_name: Cherokee County +state_fips: 01 | state_name: AL | county_fips: 021 | county_name: Chilton County +state_fips: 01 | state_name: AL | county_fips: 023 | county_name: Choctaw County +state_fips: 01 | state_name: AL | county_fips: 025 | county_name: Clarke County +state_fips: 01 | state_name: AL | county_fips: 027 | county_name: Clay County +state_fips: 01 | state_name: AL | county_fips: 029 | county_name: Cleburne County +state_fips: 01 | state_name: AL | county_fips: 031 | county_name: Coffee County +state_fips: 01 | state_name: AL | county_fips: 033 | county_name: Colbert County +state_fips: 01 | state_name: AL | county_fips: 035 | county_name: Conecuh County +state_fips: 01 | state_name: AL | county_fips: 037 | county_name: Coosa County +state_fips: 01 | state_name: AL | county_fips: 039 | county_name: Covington County +state_fips: 01 | state_name: AL | county_fips: 041 | county_name: Crenshaw County +state_fips: 01 | state_name: AL | county_fips: 043 | county_name: Cullman County +state_fips: 01 | state_name: AL | county_fips: 045 | county_name: Dale County +state_fips: 01 | state_name: AL | county_fips: 047 | county_name: Dallas County +state_fips: 01 | state_name: AL | county_fips: 049 | county_name: DeKalb County +state_fips: 01 | state_name: AL | county_fips: 051 | county_name: Elmore County +state_fips: 01 | state_name: AL | county_fips: 053 | county_name: Escambia County +state_fips: 01 | state_name: AL | county_fips: 055 | county_name: Etowah County +state_fips: 01 | state_name: AL | county_fips: 057 | county_name: Fayette County +state_fips: 01 | state_name: AL | county_fips: 059 | county_name: Franklin County +state_fips: 01 | state_name: AL | county_fips: 061 | county_name: Geneva County +state_fips: 01 | state_name: AL | county_fips: 063 | county_name: Greene County +state_fips: 01 | state_name: AL | county_fips: 065 | county_name: Hale County +state_fips: 01 | state_name: AL | county_fips: 067 | county_name: Henry County +state_fips: 01 | state_name: AL | county_fips: 069 | county_name: Houston County +state_fips: 01 | state_name: AL | county_fips: 071 | county_name: Jackson County +state_fips: 01 | state_name: AL | county_fips: 073 | county_name: Jefferson County +state_fips: 01 | state_name: AL | county_fips: 075 | county_name: Lamar County +state_fips: 01 | state_name: AL | county_fips: 077 | county_name: Lauderdale County +state_fips: 01 | state_name: AL | county_fips: 079 | county_name: Lawrence County +state_fips: 01 | state_name: AL | county_fips: 081 | county_name: Lee County +state_fips: 01 | state_name: AL | county_fips: 083 | county_name: Limestone County +state_fips: 01 | state_name: AL | county_fips: 085 | county_name: Lowndes County +state_fips: 01 | state_name: AL | county_fips: 087 | county_name: Macon County +state_fips: 01 | state_name: AL | county_fips: 089 | county_name: Madison County +state_fips: 01 | state_name: AL | county_fips: 091 | county_name: Marengo County +state_fips: 01 | state_name: AL | county_fips: 093 | county_name: Marion County +state_fips: 01 | state_name: AL | county_fips: 095 | county_name: Marshall County +state_fips: 01 | state_name: AL | county_fips: 097 | county_name: Mobile County +state_fips: 01 | state_name: AL | county_fips: 099 diff --git a/chunks/txt/71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df.txt b/chunks/txt/71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fd688d535a02dbf5aed804a2728c9b8fdcc5ca0 --- /dev/null +++ b/chunks/txt/71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df.txt @@ -0,0 +1,91 @@ +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +I did research the sale or +transfer history of the subject +property and comparable sales. +I did not research the sale or +transfer history of the subject +property and comparable sales. + +Sales History +Researched +Indicator +Sales History +Researched +Indicator + +Indicates that the sales or transfer history +research of the subject property and +comparable sales was performed. +Indicates that the sales or transfer history +research of the subject property and +comparable sales was performed. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH[@SalesHistoryResearchedIndicator=‘Y’] + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH[@SalesHistoryResearchedIndicator=‘N’] + +1 + +1 + +Boolean + +Boolean + +R + +T + +T + +T + +T + +T + +T + +T + +T + +One and only one of fields 2-89, 2-90 +(Property Analysis Type = +'PhysicalDeficiency' and values of +Property Analysis Exists Indicator) +should be indicated. + +One and only one of fields 2-89, 2-90 +(Property Analysis Type = +'PhysicalDeficiency' and values of +Property Analysis Exists Indicator) +should be indicated. + +This field should be populated if field 2- +89 (Property Analysis Type = +'PhysicalDeficiency' and Property +Analysis Exists Indicator = 'Y') is +indicated. + +One and only one of fields 2-92, 2-93 +(Property Analysis Type = +'ConformsToNeighborhood' and values +of Property Analysis Exists Indicator) +should be indicated. + +One and only one of fields 2-92, 2-93 +(Property Analysis Type = +'ConformsToNeighborhood' and values +of Property Analysis Exists Indicator) +should be indicated. diff --git a/chunks/txt/71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3.txt b/chunks/txt/71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b89ee7d2c22bcda1abedcdef91a9550498dc4ba --- /dev/null +++ b/chunks/txt/71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3.txt @@ -0,0 +1,95 @@ +4.3.1 $1,250.00 + +4.3.2 YES + +4.3.3 +8) Adjusts ye arly starting in year 2 +9) Goes as high as $2,350.00 in year 5 +10) See AP Table on page 4 for details + +Figure 125. Loan Terms Table for Step Payment Loan + +2. LOAN TERMS AND AP TABLE ENTRI ES FOR STEP PAYMENT LOAN + +The following table links the information provided in the Loan Terms and AP Tables. + +Table 136. Loan Terms and AP Table Entries for Step Payment Loan + +Loan Terms Table (4.0) + +AP Table (19.0) + +ID (bullet) + +Form Field Name + +ID + +Form Field Name + +4.3 Monthly Principal & Interest + +19.5 Monthly Principal and Interest Payments + +4.3.3 (1) Adjusts yearly… + +N/A + +N/A + +N/A + +4.3.3 (1) …starting in year 2 +4.3.3 (2) Can go as high as $2,350.00 … + +19.7 Subsequent Changes Every year for three years + +19.6 First Change / Amount $1,525.00… + +19.6 First Change / Amount …at 13th payment +19.8 Maximum Payment $2,350.00… + +4.3.3 (2) …in year 5 + +19.8 …starting at 49th payment + +The data points used to provide this information are shown in the table below. The Loan Terms table form field +IDs have been included where applicable to help emphasize that the data points are provided only once in the +XML file. + +Table 137. Step Payment Loan + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +ID +(bullet) + +19.6 | +4.3.3(1) + +First Change / +Amount…at #___ +payment + +19.8 | +4.3.3(2) + +Maximum Payment +$___ … + +19.8 | +4.3.3(2) + +Maximum Payment +… starting at ___ +payment diff --git a/chunks/txt/71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409.txt b/chunks/txt/71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409.txt new file mode 100644 index 0000000000000000000000000000000000000000..1292e624e5d35be6c820129f28d72f3fdc0bf112 --- /dev/null +++ b/chunks/txt/71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409.txt @@ -0,0 +1,83 @@ +Signature + +Appraiser +Amy Appraiser +Amy Appraiser + +08/07/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Licensed Residential Appraiser +3333333333 +MD +02/21/2021 + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Single Family Scenario 3 (SF3) + +Introduction + +This report is for a detached home with a standalone accessory dwelling unit (ADU) that is an +outbuilding. The site contains 14.19 acres. The primary unit contains 3,304 sq. ft. of finished above grade +area, 1,344 sq. ft. of below grade finished area, and 616 sq. ft. of unfinished below grade area. + +The ADU has 464 sq. ft. of above grade finished area with a full bathroom, kitchen, and living room with +sleeping area. + +The subject property has an attached two-car garage, detached two-car carport, and a four-car +driveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove. + +The subject property is under contract and pending sale for $770,000. + +Key Characteristics + +• + +Parties associated with this transaction: + +• +• +• + +Lender (Client) +Appraisal Management Company +Appraiser +Subject Property + +• + +• + +Site + +• +• + +• + +• + +Property Rights Appraised: Fee Simple +Attachment Type: Detached + +Site Utilities + +▪ Water and Sanitary Sewer are private with well and septic +▪ + +Electric is private (solar panels) and there is a connection to public electrical lines + +Site value was developed at the request of the client (including Land Comparables) + +• Unit Interior – Primary Dwelling + +• + +Includes an additional interior feature (Wet Bar) with a photo diff --git a/chunks/txt/71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb.txt b/chunks/txt/71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb.txt new file mode 100644 index 0000000000000000000000000000000000000000..345ba061dce0c2b63cdf56f870814028e0fe73fe --- /dev/null +++ b/chunks/txt/71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb.txt @@ -0,0 +1,42 @@ +Fannie Mae’s Project Risk Overview + +• +• Project Documentation +• Condominium Project Questionnaire +• Project Types +• Project Review Methods +• Waiver of Project Review +• Requirements Applicable to All Properties in a Condo, Co-op, or PUD Project +• Priority of Common Expense Assessments +• Delivery Requirements +• + +Expiration for Project Reviews + +Fannie Mae’s Project Risk Overview + +The quality of mortgages secured by units in condo, co-op, and planned unit development (PUD) projects can be influenced by +certain characteristics of the project or by the project as a whole. Before delivering a loan secured by an individual unit in a +project, the lender must determine that the project meets Fannie Mae's eligibility requirements. + +Project eligibility risk is a risk that is distinct from the credit risk presented by individual borrowers. Units located in a project +present risk that are also distinct from the risks associated with properties that are not part of a homeowners’ association (HOA) +or project. These risks include the following: + +• +• +• + +the financial stability and viability of the project; +the condition and marketability of the project; +limitations on the unit owner’s ability to control the decision-making for the project, occupy the unit, or utilize the +project’s amenities and common elements; + +• dissolution of the project and the unit owner’s resulting rights and responsibilities; +• project-level litigation; +• project-level misrepresentation and fraud; +• + +the inability to cure a mortgage default due to restrictions in the project documents such as, but not limited to, right of +first refusal provisions; and +insurance coverage that is inadequate to protect the project from unexpected losses. diff --git a/chunks/txt/71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057.txt b/chunks/txt/71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057.txt new file mode 100644 index 0000000000000000000000000000000000000000..32ce21bb62c7615cb2c0de4a512e0a7b4c65d758 --- /dev/null +++ b/chunks/txt/71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057.txt @@ -0,0 +1,105 @@ +o Reference published guidelines by the GSEs, government agencies, or other identified secondary + +market participants for specific guidance as to when a photo or image is required. + +Notes: +• The same photo can be identified and displayed in more than one section. +• +• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset. + +Images must be sized properly to display the content and maintain the aspect ratio. + +o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to + +the iGuide or UAD Spec for more information. + +Section +# + +Section Name +(Black Tab) + +Photo or Image +(Predefined Caption or +Gray Bar) + +Is there an Additional +Caption +(Free-form Text)? + +1 + +2 + +3 + +Summary + +Assignment +Information +Subject +Property + +Assignment Information +Exhibits + +Legal Description + +Required for each photo or +image +May be provided to further +identify the image + +Subject Property +Exhibits + +Required for each photo or +image + +Is the Photo or Image +Required? + +Additional Guidance + +Yes + +Large photo at the top of the +section (identified as Property +Photo) + +If Legal Description 3.031 +is not provided + +See 3.031 + +Photos or images related to +the Subject Property section +that are not specified above. + +4 + +Site + +Non-Residential Use + +Property Access (Street +Scene) + +Required, including the type +of non-residential use, +location, and any other +descriptive information as +appropriate +May be provided to further +identify the photo or image + +If Non-Residential Uses +on Property 4.017 is Yes + +See 4.017 + +Yes + +See 4.020 + +Appendix F-1: URAR Reference Guide diff --git a/chunks/txt/71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af.txt b/chunks/txt/71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af.txt new file mode 100644 index 0000000000000000000000000000000000000000..48a0af333910cf4dadecefd7855a5299e889245f --- /dev/null +++ b/chunks/txt/71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af.txt @@ -0,0 +1,32 @@ + A “UAD Requirement” or “UAD Instruction” in the Implementation Notes column of Appendix B specifies a reference to Appendix D: Field Specific Standardization Requirement where additional instructions or + +clarification for supporting the data point can be found. + + A number of the fields on the appraisal forms have been repurposed to capture additional information. For example, the Lender/Client Name field (field 6-22 in the Appraiser Certification Section) has been repurposed to + +capture the Appraisal Management Company Name. The definitions and XPaths support this additional information. + + The PDF Display Format description in the Implementation Notes column explains how the information for that data point is represented on the PDF version of the appraisal form. Please note that commas are permitted in + +money and numeric fields ONLY on PDF forms. Additionally, please note that the form field length for PDF rendering must not exceed the allocated field length for the XML. + + Sort IDs 1 and 2 are not part of the appraisal form but are required for XML delivery because they include the Appraisal Form Number and the embedded PDF version of the form. + +This specification relates to the Uniform Mortgage Data Program, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of their regulator, the Federal Housing Finance Agency. + +Read Me +Appendix B: GSE Appraisal Forms Mapping + +Page 3 of 211 + +Document Version 1.4 + +Column Name + +Column Description + +Sort ID + +Form Page + +Represents a unique number assigned to the data point name which provides the ability to sort and display the data in the original order. diff --git a/chunks/txt/71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5.txt b/chunks/txt/71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..7f2117ef371f4ac4b8f52433f7922d0824a9d65d --- /dev/null +++ b/chunks/txt/71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5.txt @@ -0,0 +1,32 @@ +If the lender obtains a desk or field review of the original appraisal report, the review must be completed in accordance with the +USPAP and conform to Appraiser Independence Requirements (AIR). The scope of work for either type of review allows changing +the opinion of market value for something other than a mathematical error, and the appraiser completing the appraisal review +must + +• be licensed or certified in the state in which the property is located, +• have access to the appropriate data sources, and +• possess the knowledge and experience to appraise the subject property with respect to both the specific property type + +and geographical location. + +The lender may forego either type of review and obtain a new appraisal. When a new appraisal is obtained, the lender must +document the deficiencies that are the basis for ordering the new appraisal and adhere to a policy of selecting the most reliable +appraisal, rather than the appraisal that states the highest value. The lender must either document in the loan file the resolution +of the noted deficiencies in the original appraisal report or detail the reasons for relying on a second opinion of market value. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 105 of 166 + +UAD 3.6 Policy + +Lender Requirements + +A lender must continually evaluate the quality of the appraiser’s work through the normal review process of all appraisal reports, +as well as through the spot-check field review or desk review of appraisals as part of its quality assurance system. + +Reconsideration of Value + +For loans requiring an appraisal report, the lender must have policies and procedures in place for a borrower-initiated +reconsideration of value (ROV). At a minimum, the ROV process must meet Fannie Mae requirements and adhere to all applicable +local, state, and federal laws. diff --git a/chunks/txt/720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b.txt b/chunks/txt/720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4aa2d71cd1eae5e6e33903b5088024b55fe7136d --- /dev/null +++ b/chunks/txt/720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b.txt @@ -0,0 +1,19 @@ +--- + +## National Mortgage Database + +### Introduction + +The National Mortgage Database (NMDB) is the first component of the National Mortgage Database program. NMDB is updated quarterly for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States. + +### Purpose + +The purpose of NMDB is to inform and educate FHFA, CFPB and other federal agencies about lending products and mortgage market health. The database is comprehensive, and there are many possibilities for how it may be used. Some examples include: + +- **Studying the subprime mortgage crisis:** Because the data goes back to 1998, the database can be used to assess possible causes of the 2008 subprime mortgage crisis. +- **Monitoring new and emerging products in the mortgage market:** The database allows agencies to monitor volume and performance of products in the mortgage market and help regulators identify potential problems or new risks. +- **Monitoring the relative health of mortgage markets and consumers:** The database provides detailed mortgage loan performance information including whether payments are made on-time, as well as information regarding loan modifications, foreclosures, and bankruptcies. This can help policy makers better understand how various products are being used and how they are performing. +- **Evaluating loss mitigation, borrower counseling, and loan modification programs:** The database can be used to evaluate the efficacy and potential impact of counseling programs. +- **Monitoring affordable lending:** Since the database is updated quarterly, it provides information on mortgage access and mortgage terms for low-income borrowers and communities faster than data required by the Home Mortgage Disclosure Act, or HMDA. Currently, HMDA data does not become available until the year following origination. +- **Performing stress tests and prepayment/default modeling:** The database can be used by policy makers, researchers, and regulators to improve prepayment and default modeling and to implement stress-test scenarios for the entire national mortgage market. +### Description diff --git a/chunks/txt/722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4.txt b/chunks/txt/722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4.txt new file mode 100644 index 0000000000000000000000000000000000000000..faa81c9ea6419f32ad34052ff3e1b332889908af --- /dev/null +++ b/chunks/txt/722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4.txt @@ -0,0 +1,57 @@ +Indicates that the project contains +multiple dwelling-units. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ContainsMultiple +DwellingUnitsIndicator=‘Y’] + +1 + +Boolean + +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated. +If field 3-42 (Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated then one and only +one of fields 3-53, 3-54 (values of Project +Conversion Indicator) should be indicated. +If field 3-42 (Project Developer Controls Project +Management Indicator = 'Y') and one of fields 1- +132, 1-133 (Attachment Type = 'Attached' or +'SemiDetached') are indicated then one and only +one of fields 3-53, 3-54 (values of Project +Conversion Indicator) should be indicated. diff --git a/chunks/txt/7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f.txt b/chunks/txt/7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed7378719298fd24a021d958f4c400f8d63128f9 --- /dev/null +++ b/chunks/txt/7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f.txt @@ -0,0 +1,66 @@ +A free-form text field describing the +neighborhood. +A free-form text field used to discuss +market conditions in the +neighborhood that may effect +property values +A free-form text field used to describe +the dimensions of the site such as its +width and depth. + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_TypicalMarketingTimeDurat +ionType='OverSixMonths'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_HOUSING[@_Type='SingleF +amily']/@_LowPriceAmount +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_HOUSING[@_Type='SingleF +amily']/@_HighPriceAmount +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_HOUSING[@_Type='SingleF +amily']/@_PredominantPriceAmount +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_HOUSING[@_Type='SingleF +amily']/@_NewestYearsCount +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_HOUSING[@_Type='SingleF +amily']/@_OldestYearsCount +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_HOUSING[@_Type='SingleF +amily']/@_PredominantAgeYearsCount + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_PRESENT_LAND_USE[@_T +ype='SingleFamily']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_PRESENT_LAND_USE[@_T +ype='TwoToFourFamily']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_PRESENT_LAND_USE[@_T +ype='Apartment']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_PRESENT_LAND_USE[@_T +ype='Commercial']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/_PRESENT_LAND_USE[@_T +ype='Other']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/NEIGHBORHOOD_EXTENSI +ON/NEIGHBORHOOD_EXTENSION_SECTI +ON[@ExtensionSectionOrganizationName='UNI +FORM APPRAISAL +DATASET']/NEIGHBORHOOD_EXTENSION +_SECTION_DATA/NEIGHBORHOOD_BOU +NDARIES/@GSENeighborhoodBoundariesDesc +ription +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/@_Description +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/@_MarketConditionsDescriptio +n diff --git a/chunks/txt/72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f.txt b/chunks/txt/72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f.txt new file mode 100644 index 0000000000000000000000000000000000000000..38d90c7d06c276b102936ff6b315edd6c264b5b9 --- /dev/null +++ b/chunks/txt/72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f.txt @@ -0,0 +1,92 @@ +Flag identifying whether the mortgage was +purchased by Fannie Mae or by Freddie Mac. +Fannie Mae and Freddie Mac are collectively +referred to as the Enterprises in this +document. +Sequential numerical identifier for the +property not related to the record number in +the three National Files. +Two-digit numerical American National +Standards Institute (ANSI) Federal Information +Processing Series (FIPS) code, with a leading +zero when applicable, indicating where the +property is located. + +4 + +5 + +cbsa_metro_code + +Metropolitan Statistical +Area (MSA) Code + +5 + +3 + +county_fips + +County - 2020 Census + +See the MSA file for a list of MSA codes +and names. +00000 = Missing code +99999 = In a non-metropolitan area +Other = specific metropolitan area + +Five-digit numerical code for the property’s +MSA if the property is located in an MSA, +based on MSA definitions in effect on January +1, 2024. + +See the STATE/COUNTY file for a list of +codes and County/Parish/Borough +names listed by FIPS State code. +000 = Missing + +Three-digit numerical FIPS county code, with +leading zeros when applicable, indicating +where the property is located. The transition +in Connecticut from eight counties to nine +planning regions occurred in the 2024 PUDB. +See https://www.govinfo.gov/content/pkg/FR- +2022-06-06/pdf/2022-12063.pdf. + +SF CTF + +19 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +6 + +6 + +tract_2020 + +Census Tract - 2020 +Census + +7 + +6 + +tract_minority_pct diff --git a/chunks/txt/7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77.txt b/chunks/txt/7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77.txt new file mode 100644 index 0000000000000000000000000000000000000000..220bcded1a687f09df28d9c4359c38e2f6c5b54d --- /dev/null +++ b/chunks/txt/7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77.txt @@ -0,0 +1,108 @@ +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_SummaryC +omment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +127 + +RECONCILIATION The appraisal is made “as is” + +473 + +3 + +128 + +RECONCILIATION + +The appraisal is made “subject to +completion” + +474 + +3 + +129 + +RECONCILIATION + +The appraisal is made “subject to the +following repairs” + +475 + +3 + +130 + +RECONCILIATION + +The appraisal is made “subject to the +following required inspection” + +Valuation +Reconciliation +Condition Of +Appraisal Type + +Valuation +Reconciliation +Condition Of +Appraisal Type + +Valuation +Reconciliation +Condition Of +Appraisal Type + +Valuation +Reconciliation +Condition Of +Appraisal Type + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION +_OF_APPRAISAL[@_Type='AsIs'] + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION +_OF_APPRAISAL[@_Type='SubjectToCompletion'] + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION +_OF_APPRAISAL[@_Type='SubjectToRepairs'] + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION +_OF_APPRAISAL[@_Type='SubjectToInspections'] + +20 + +20 + +20 + +20 + +Enumerated + +UAD Requirement - Refer to Appendix D Reconciliation Section + +Enumerated + +UAD Requirement - Refer to Appendix D Reconciliation Section +A separate Valuation Reconciliation Condition of Appraisal element must be populated +for each box that is checked. diff --git a/chunks/txt/7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc.txt b/chunks/txt/7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..3f8309d8de3ba9a37e59f208776d10911bafd331 --- /dev/null +++ b/chunks/txt/7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc.txt @@ -0,0 +1,75 @@ +Oct 27, +2025 + +New MBS Pool +Close Status + +Loan Delivery is introducing a new “MBS Pool Close Status”. The new status “Deleted” will be +applied to an MBS Pool that has been deleted in Loan Delivery. The only actions available on a +Deleted MBS pool are export, reports, loan transfer, and loan delete. + +Oct 27, +2025 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of +effective edit updates including: + +• +• + +3 DU compare edits moving from informational to warning to validate DU casefile ID +2 new warning edits for Manufactured Housing +9 edits moving to fatal to validate CPM, ARM data, Appraisal, Community lending, and +FTHB + +Nov 24, +2025 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of +effective edit updates including: + +• +• +• + +3 new warning edits to validate MI, escrow, and borrower counseling data +1 warning edit moving to fatal to validate ARM data +1 new Fatal edit to validate credit score version in Loan Delivery matches DU + +Dec 15, +2025 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of +effective edit updates including: + +© 2025 Fannie Mae Page 5 of 6 + +Effective +Date + +Impacted Area + +Description + +• +• + +3 DU compare edits moving from warning to fatal to validate DU casefile ID +2 warning edits moving to fatal for Manufactured Housing + +Dec 31, +2025 + +Schedule of +Mortgage +report retiring: + +Effective December 31, 2025, FM Connect section MBS Seller 2005 under the MBS Final +Schedule of Mortgages report will be retired. FM Connect will continue to support and publish +MBS Seller section under the MBS Final Schedule of Mortgages report. diff --git a/chunks/txt/7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039.txt b/chunks/txt/7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039.txt new file mode 100644 index 0000000000000000000000000000000000000000..42414ebbd4e9ffebc043b56af9ee495e7a455c57 --- /dev/null +++ b/chunks/txt/7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039.txt @@ -0,0 +1,98 @@ +Key Characteristics + +• Hybrid assignment + +o Interior and exterior inspection via Property Data Report + +Parties associated with this transaction: + +o AMC +o Appraiser with a designation, appraiser did not perform physical inspection + +Project Information + +• + +• + +o Subject building contains a convenience store on the first floor +o Observed Deficiencies have been noted (balconies on the building) +o Special Assessment identified for balcony repair +o Known legal actions were noted + +• Defects are noted but no action required for the homeowner to repair as the homeowner is not + +responsible for exterior maintenance +Floorplan has been included + +• + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +201 UNDERHILL DR, UNIT 202, NOWHERE, CA 90021 + +SUMMARY + +Opinion of Market Value + +$778,000 + +Market Value Condition + +As Is + +Property Valuation Method +Appraiser Name + +Hybrid Appraisal +Bill Smith + +09/08/2019 +Refinance +James Borrower +Lauren Lightfoot +James Borrower +Lauren Lightfoot +None + +Attached +Mid-rise + +Overall Quality +Overall Condition + +Q4 +C3 + ++.5 li # + +only in + +Summary + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record + +Listing Status + +Property Description + +Attachment Type +Structure Design + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common diff --git a/chunks/txt/72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f.txt b/chunks/txt/72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f.txt new file mode 100644 index 0000000000000000000000000000000000000000..fe135ad71bd26e808494987e4373880f9d0df64b --- /dev/null +++ b/chunks/txt/72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f.txt @@ -0,0 +1,67 @@ + Relationship between a borrower’s income and the associated employer + + Relationship between a counseling event and the associated housing counseling agency (covers + +both “education” and “counseling”) + + Relationship between an asset (owned property) and the associated liabilities + + Relationship between a related loan and the associated creditor + + Relationship between an asset and the associated borrower + + Relationship between a liability and the associated borrower + + Relationship between an expense and the associated borrower + +RELAT IONSHIP BET WEEN A BORROWER’S INCOME AND T HE ASSOCIAT ED EMPLOYER + +The following example provides details about xlink arcrole relationship needed to define a data +relationship between income items for a borrower and the associated employment (employer) providing +that income. + +The figure below (Figure 1) shows examples of a borrower’s income items, by type, that will need to be +linked to the associated employer. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 14 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +CURRENT INCOME ITEM And EMPLOYER Containers +Identifying Endpoints Of Relationships + +PARTIES + PARTY + +INDIVIDUAL + NAME + +ROLE + BORROWER + +CURRENT INCOME + CURRENT INCOME ITEMS + CURENT INCOME ITEM + +Sequence Number = “1” + +xlink:label = “CURRENT_INCOME_ITEM_1” + +CURRENT INCOME ITEM DETAIL + +Current Income Monthly Total Amount = 1000 + Income Type = Base + CURENT INCOME ITEM + +Sequence Number = “2” + +xlink:label = “CURRENT_INCOME_ITEM_2” + +CURRENT INCOME ITEM DETAIL + +Current ncome Monthly Total Amount = 400 + Income Type = Overtime diff --git a/chunks/txt/72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886.txt b/chunks/txt/72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886.txt new file mode 100644 index 0000000000000000000000000000000000000000..c4fbe32a4240ca07553a0d0041d88d7ad69700ae --- /dev/null +++ b/chunks/txt/72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886.txt @@ -0,0 +1,129 @@ +$2,600 + +$2.00 + +$2,500 + +$2,575 + +$2.48 + +$2,600 + +$2,650 + +Comparable Weight + +Most + +Less + +Most + +Most + +Less + +Most + +Rental Analysis Commentary + +The rental comps support estimated rents for the subject. + +Rental Information Exhibits + +Comparable #1 + +Comparable #2 + +This is where the photo of 181 Cattledrive St would display. + +This is where the photo of 181 Cattledrive St would display. + +Comparable #3 + +Comparable #4 + +This is where the photo of 123 Something Pl would display. + +This is where the photo of 123 Something Pl would display. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 22 of 26 +Page 22 of 26 + +Rental Information (continued) + +Comparable #5 + +Comparable #6 + +This is where the photo of 341 Nothing Dr would display. + +This is where the photo of 341 Nothing Dr would display. + +Income Approach + +Gross Rent Multiplier Comparables + +Property Address + +171 Cowboy Ln +Anyplace, TX 01234 + +181 Cattledrive St +Anyplace, TX 01234 + +123 Something Pl +Anyplace, TX 01234 + +341 Nothing Dr +Anyplace, TX 01234 + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +This is where the Dwelling +Front photo would display. + +This is where the photo +of 181 Cattledrive St +would display. + +This is where the photo +of 123 Something Pl +would display. + +This is where the +photo of 341 Nothing +Dr would display. + +Data Source + +Proximity to Subject + +Units Excluding ADUs + +Sale Price + +Sale Date + +Gross Monthly Rent + +Gross Rent Multiplier + +Comparable Weight + +4 + +$10,150 + +MLS XY-324811 diff --git a/chunks/txt/72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1.txt b/chunks/txt/72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1.txt new file mode 100644 index 0000000000000000000000000000000000000000..887b20c7345ba081630f6f4df7bf15b37617cd59 --- /dev/null +++ b/chunks/txt/72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Policy](/policy) + - Pilot Transparency + +Policy + +# Pilot Transparency + +FHFA supports efforts by the Enterprises to explore ways to fulfill their missions and enhance their safety and soundness through pilot programs. Pilots are a vital tool to test, learn, and in some cases, be scaled towards permanent policy. They can help inform longer-term policy one way or the other. FHFA, as conservator, is committed to providing transparency on pilot programs of the Enterprises remaining mindful of the confidential and proprietary nature of certain activities.​ diff --git a/chunks/txt/726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c.txt b/chunks/txt/726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c.txt new file mode 100644 index 0000000000000000000000000000000000000000..e3bea04201fde1157d5b61038a157933ccb07214 --- /dev/null +++ b/chunks/txt/726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c.txt @@ -0,0 +1,113 @@ +This is where the Rec Room/Garage photo would display. + +The table below depicts the area of the outbuilding, excluding vehicle +storage and any ADU(s) +Finish +Finished + +Room Summary +1 - Recreation Room + +Total Area +200 Sq. Ft. + +Unfinished + +0 Sq. Ft. + +This structure is an existing older, detached garage. 200 Sq. Ft. enclosed and finished space being used as a recreation room. + +Outbuilding Exhibits + +Recreation Room + +This is where the Recreation Room photo would display. + +Vehicle Storage + +Storage +Driveway + +Garage + +Number of Parking Spaces +5 + +2 + +Detail +Gravel + +Detached +700 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Appraisal Version #3 + +Fannie Mae | Freddie Mac +September 2024 + +Appraiser Reference ID + +2222-55HG + +Client Reference ID BL2345-1234567 + +Uniform Residential Appraisal Report + +Page 15 of 30 + +Vehicle Storage (continued) + +Vehicle Storage Exhibits + +Garage - Unfinished Space + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Material +Wood + +Wood + +Whole Home + +Indoor Fireplace + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck - Deck 1 + +Deck - Deck 2 + +Detail +100 Sq. Ft. +Not Attached to Manufactured Home + +100 Sq. Ft. +Not Attached to Manufactured Home + +Total Number - 1 + +This is where the Deck 1 photo would display. + +This is where the Deck 2 photo would display. + +Indoor Fireplace + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report diff --git a/chunks/txt/726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121.txt b/chunks/txt/726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc0f4e38be32889ddaabe0491c6016a9066b2bb2 --- /dev/null +++ b/chunks/txt/726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121.txt @@ -0,0 +1,5 @@ +New Data Point ........................................................................................................................................ 5 + +Overview .............................................................................................................................................. 5 + +Requirement ........................................................................................................................................ 5 diff --git a/chunks/txt/72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e.txt b/chunks/txt/72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd49897a66dbe1b95f01e51391de2d7f8cb52a64 --- /dev/null +++ b/chunks/txt/72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e.txt @@ -0,0 +1,73 @@ +requirements of §1026.18(b) and its commentary. + +21.4 Reg §1026.38(o)(4) pp. 80128, 80040-42. The calculation of APR is set forth in Appendix J to Regulation Z. + +For additional guidance see the commentary to §1026.17. + +21.5 Reg §1026.38(o)(5) pp. 80128, 80360, 800042. For guidance on calculation and disclosure of the total + +interest percentage, see §1026.37(l)(3) and its commentary. + +Appendix E: UCD Implementation Guide + +Page 221 of 254 + +Version 1.4 + +Uniform Closing Dataset + +22.0 Other Disclosures + +22.0 OTHER DISCLOSUR ES + +The Other Disclosures section is included in the following Closing Disclosure variations: + +Table 149. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions Only +Alternate Form + +22.0 + +Other Disclosures + +✓ + +✓ + +✓ + +22.0 Other Disclosures provides boilerplate information about borrower’s right to a copy of the appraisal, where +to look for contract details, ability to refinance, and tax deductions. 22.1 Liability after Foreclosure, is the only +statement that requires supporting data in the UCD file. The Loan Acceptance disclosure, highlighted in blue, is +only required if the lender opts not to include the signature line(s) in Section 24.0 Confirm Receipt. + +Other Disclosures +Appraisal +If the property was appraised … + +22.0 + +Contract Details +See your note and security instrument for information about… + +22.1 Liability after Foreclosure +If your lender forecloses on this property and the foreclosure does not +cover the amount of unpaid balance on this loan, + state law may protect you from liability for the unpaid balance. If +you refinance or take on any additional debt on this property, you +may lose this protection and have to pay any debt remaining even +after foreclosure. You may want to consult a lawyer for more +information. + state law does not protect you from liability for the unpaid balance. diff --git a/chunks/txt/7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e.txt b/chunks/txt/7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..97b6a628ff8c3962123e447ebb72343cfb81abd8 --- /dev/null +++ b/chunks/txt/7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e.txt @@ -0,0 +1,222 @@ +$15,000 + +04/28/2023 + +$0 + +01/20/2023 + +$0 + +03/15/2023 + +$0 + +— + +— + +— + +— + +— + +Detached + +Detached + +46 + +78 + +Detached + +40 + +Detached + +Site Influence (Location) + +Busy Roadway | Residential + +Residential + +$(25,000) + +21,000 Sq. Ft. + +15,000 Sq. Ft. + +$0 + +24,000 Sq. Ft. + +$0 + +18,000 Sq. Ft. + +$0 + +Busy Roadway +| Residential + +Residential | Full + +Residential + +$(25,000) + +Residential | Full + +View | Range + +Dwelling(s) + +Year Built + +Residential | Full + +Residential | Full + +2014 + +2015 + +Gross Building Finished Area + +5,282 Sq. Ft. + +5,500 Sq. Ft. + +$0 + +$0 + +2009 + +$20,000 + +2014 + +5,700 Sq. Ft. + +$0 + +4,900 Sq. Ft. + +$0 + +Heating + +Unit(s) + +Forced Warm Air | Electric + +Forced Warm Air + +Forced Warm Air + +Forced Warm Air + +Structure ID | Unit ID + +Building 1 | Unit A + +Building 1 | Unit A + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,300 Sq. Ft. + +$(9,900) + +1,350 Sq. Ft. + +$(14,400) + +1,150 Sq. Ft. + +$3,600 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Structure ID | Unit ID + +Building 1 | Unit B + +Building 1 | Unit B + +Building 1 | Unit 2 + +Building 1 | Unit 2 + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,300 Sq. Ft. + +$(9,900) + +1,350 Sq. Ft. + +$(14,400) + +1,150 Sq. Ft. diff --git a/chunks/txt/728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997.txt b/chunks/txt/728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997.txt new file mode 100644 index 0000000000000000000000000000000000000000..854b28d90f0415ad1a991c2cd57ab0e4cefd252a --- /dev/null +++ b/chunks/txt/728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997.txt @@ -0,0 +1,48 @@ +Eligible Transactions and Improvements + +This applies to purchase and limited cash-out refinance transactions. + + + +Eligible improvements include: + +• Cosmetic and functional improvements, +• Disaster repair, preparedness and resiliency improvements, or +• + +Environmental remediation for lead, asbestos or mold. + +Completion and Loan Delivery Requirements + + + + + +Renovations must be completed within six months of the note date. +Loans are delivered with recourse until proof of completion is provided through Loan Quality Connect™. +Loan repurchase during the recourse period will only occur in cases of serious delinquency (120+ days). + +© 2025 Fannie Mae SEL-2025-10 Page 1 of 4 + + + + +No special lender approval is required to deliver these loans. +Lenders must use Special Feature Code (SFC) 892 HomeStyle Refresh. + +The Eligibility Matrix and Special Feature Codes list have been updated to reflect these updates. + +Effective: This policy change applies to HomeStyle Refresh loans with application dates on or after Mar. 31, 2026. Desktop +Underwriter® (DU®) will be updated in a future release to reflect these new requirements. + +HomeStyle Renovation + +We updated the Selling Guide to clarify and update our HomeStyle Renovation financing policies. These updates expand eligible +upfront disbursements, remove outdated cost caps for manufactured homes and provide enhanced guidance on limited cash-out +refinance transactions. + +Increased Flexibility for Initial Renovation Disbursement + +Lenders may now disburse up to 50% of the total renovation costs at closing. Eligible uses include: + + material purchases, diff --git a/chunks/txt/729c2427c742386cec8acab5e99f690defc96970cba7c97527e7d3eed119bd1b.txt b/chunks/txt/729c2427c742386cec8acab5e99f690defc96970cba7c97527e7d3eed119bd1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fcf9ef30174943836e321d9b3b47794f5ed4070 --- /dev/null +++ b/chunks/txt/729c2427c742386cec8acab5e99f690defc96970cba7c97527e7d3eed119bd1b.txt @@ -0,0 +1,93 @@ +388 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +5 + +6 + +7 + +ADDITIONAL +COMMENTS + +Additional Comment + +COST APPROACH + +Support for the Opinion of Site +Value + +Site Estimated Value +Comment + +COST APPROACH Reproduction Cost + +Cost Analysis Type + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Appraiser +Additional File +Identifier + +Valuation Methods +Additional +Description + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. +A free form text field used to provide +additional comments pertaining to the +valuation methods and information +gathering methods used in the appraisal. +A free-form text field used to further +describe the estimated value provided in +Site Estimated Value Amount. +Specifies the type cost analysis +performed. (e.g. whether it was for +Replacement Costs or Reproduction + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +PDF Display Format: +mm/dd/yyyy +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. diff --git a/chunks/txt/72a50774d61036ffe15496c397bb3aa0f75fd8ce50bf6e681adfc3aee717f852.txt b/chunks/txt/72a50774d61036ffe15496c397bb3aa0f75fd8ce50bf6e681adfc3aee717f852.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca5bcf302a7bf5d9f0ecf69f368380a9df5c910e --- /dev/null +++ b/chunks/txt/72a50774d61036ffe15496c397bb3aa0f75fd8ce50bf6e681adfc3aee717f852.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/13411","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\/fhlbank-targeted-mission-activities":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:9b3833b8bb38e194da15a55418cb0d893fd844f6effe968d5003f404a1d28d74":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"13411","view_path":"\/taxonomy\/term\/13411","view_base_path":null,"view_dom_id":"9b3833b8bb38e194da15a55418cb0d893fd844f6effe968d5003f404a1d28d74","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f.txt b/chunks/txt/72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f.txt new file mode 100644 index 0000000000000000000000000000000000000000..faac807f002121b5838eab2b490061b0264db895 --- /dev/null +++ b/chunks/txt/72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f.txt @@ -0,0 +1,3 @@ +​As in the previous underserved area definition, low-income area and minority census tract definitions are based on prior year metropolitan area definitions as determined by OMB. Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the [Federal Emergency Management Agency​](https://www.fema.gov/disaster/declarations) (FEMA), where individual assistance payments were authorized by FEMA. Each file includes a map of the counties identified as designated disaster areas and a description of the data layout, also available separately. + +​Year ​Format **Dictionary​** **Map​** 2025 [[ZIP]](/document/lya2025.zip) [[PDF]](/document/lya_readme_2025.pdf) [[PDF]](/document/dda_map_2025.pdf) 2024 [​[ZIP]](/sites/default/files/2024-05/lya2024.zip) [​[PDF]](/sites/default/files/2024-07/LYA_README_2024.pdf) ​[[PDF]](/sites/default/files/2024-05/dda_map_2024.pdf) ​2023 [​[ZIP]](/sites/default/files/2023-10/lya2023.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2023.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2023.pdf) ​2022 [​[ZIP]](/sites/default/files/2023-10/lya2022.zip) [​[PDF]](/sites/default/files/2023-03/lya_readme_2022.pdf) ​[[PDF]](/sites/default/files/2023-03/dda_map_2022.pdf) ​2021 [​[ZIP]](/sites/default/files/2023-10/lya2021.zip) [​[PDF]](/sites/default/files/2023-03/lya_readme_2021.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2021.pdf) ​2020 [​[ZIP]](/sites/default/files/2023-10/lya2020.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2020.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2020.pdf) ​2019 [​[ZIP]](/sites/default/files/2023-10/lya2019.zip) ​[[PDF]](/sites/default/files/2023-10/LYA_README_2019.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2019.pdf) ​2018 ​[[ZIP]](/sites/default/files/2023-10/lya2018.zip) ​[[PDF]](/sites/default/files/2023-10/LYA_README_2018.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2018.pdf) ​2017 [[ZIP]​](/sites/default/files/2023-10/lya2017.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2017.pdf) [[PDF]](/sites/default/files/2023-10/dda_map_2017.pdf)​ 2016 [​[ZIP]](/sites/default/files/2023-10/lya2016.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2016.pdf) [[PDF]​](/sites/default/files/2023-10/dda_map_2016.pdf) ​2015 ​[[ZIP]](/sites/default/files/2023-10/lya2015.zip)​ [​[PDF]](/sites/default/files/2023-10/LYA_README_2015.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2015.pdf) 2014 [[ZIP]](/sites/default/files/2023-10/lya2014.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2014.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2014.pdf) ​2013 [[ZIP]](/sites/default/files/2023-10/lya2013.zip) [​[PDF]](/sites/default/files/2023-02/lya_readme_2013.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2013.pdf) 2012 [[ZIP]](/sites/default/files/2023-10/lya2012.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2012.pdf) [[PDF]​](/sites/default/files/2023-03/dda_map_2012.pdf) 2011 [[ZIP]](/sites/default/files/2023-10/lya2011.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2011.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2011.pdf) ​2010 [[ZIP]](/sites/default/files/2023-10/lya2010.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2010.pdf) [[PDF]​](/sites/default/files/2023-03/dda_map_2010.pdf) ## Geographically​​ Targeted Goal Data diff --git a/chunks/txt/72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509.txt b/chunks/txt/72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509.txt new file mode 100644 index 0000000000000000000000000000000000000000..648313f4c71fe7eda473c0044a8a124c3778c641 --- /dev/null +++ b/chunks/txt/72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509.txt @@ -0,0 +1,180 @@ +0 Sq. Ft. + +$28,160 + +500 Sq. Ft. + +$8,160 + +0 Sq. Ft. + +$28,160 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Roof + +Condition + +Q4 + +Aluminum + +Composition + +C4 + +Q4 + +Vinyl + +Composition + +C3 + +Q4 + +Vinyl + +Composition + +C3 + +Q4 + +Aluminum + +Composition + +C3 + +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 17 of 22 +Page 17 of 22 + +Sales Comparison Approach (continued) + +Property Address + +456 Something Rd +Somewhere, VA 12345 + +35361 Place Rd +Somewhere, VA 12345 + +38243 Liberty Rd +Somewhere, VA 12345 + +35422 Peace Rd +Somewhere, VA 12345 + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +Interior Quality and Condition + +Quality + +Kitchen + +Overall Bathrooms + +Overall Flooring + +Walls and Ceiling + +Condition + +Kitchen + +Overall Bathrooms + +Overall Flooring + +Q4 + +Q4 + +Mid Grade Quality + +Mid Grade Quality + +Mid Grade Finishes + +Mid-High Grade Finishes + +Q4 + +Mid Grade Quality + +Mid Grade Finishes + +Q4 + +Mid Grade Quality + +Mid Grade Finishes + +Carpets, Tile, Hardwood + +Standard 8-9 Ft. Ceilings + +C4 + +Partially Updated + +Moderately Updated + +Moderately Updated + +Carpet, Vinyl + +Carpets, Tile, Hardwood + +Carpets, Tile, Hardwood + +8 Ft. Ceilings + +Standard 8-9 Ft. Ceilings + +Standard 8-9 Ft. Ceilings + +C3 + +Fully Updated + +Fully Updated + +Fully Updated + +C4 + +Fully Updated + +Not Updated + +C4 + +Partially Updated + +Moderately Updated + +Moderately Updated + +Moderately Updated + +ADU Interior Quality and Condition diff --git a/chunks/txt/72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896.txt b/chunks/txt/72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896.txt new file mode 100644 index 0000000000000000000000000000000000000000..33a7bf9e9264604289a54f0cac2c34b1b0136ac1 --- /dev/null +++ b/chunks/txt/72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896.txt @@ -0,0 +1,85 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConcentratedOwnershi +pDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Project Conversion +Indicator + +Indicates that the project was converted +into the current Project Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co +ndominium' and @_ConversionIndicator='Y'] + +Project Conversion +Indicator + +Indicates that the project was converted +into the current Project Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co +ndominium' and @_ConversionIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Project Conversion +Original Use +Description + +A free-form text field used to describe the +original use before the project was +converted to its current Project Ownership +Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConversionOriginalUse +Description + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated +At least one of fields 1-175, 1-176, 1-177 +(values of Project Management Type and +sometimes values of Project Management +Type Other Description) should be +indicated diff --git a/chunks/txt/72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c.txt b/chunks/txt/72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c.txt new file mode 100644 index 0000000000000000000000000000000000000000..788157be5d5d40e11fbc20e4f5ed4dac8573daa8 --- /dev/null +++ b/chunks/txt/72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs" +date_accessed: "2026-01-27T17:47:56.385Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4.txt b/chunks/txt/72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4.txt new file mode 100644 index 0000000000000000000000000000000000000000..35207670ee684062eef42dd6925b4fce2d76452d --- /dev/null +++ b/chunks/txt/72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4.txt @@ -0,0 +1,109 @@ +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 131 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +54 + +55 + +1 + +1 + +51 + +CONTRACT + +Is there any financial assistance (loan +charges, sales concessions, gift or +downpayment assistance, etc.) to be paid +by any party on behalf of the borrower? +No + +Sales Concession +Indicator + +Indicates that someone made concessions +for the current sales contract. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess +ionIndicator='N'] + +52a + +CONTRACT + +If Yes, report the total dollar amount +and describe the items to be paid. + +Sales Concession +Amount + +The dollar amount of the value of sales +concessions granted by an interested party +including such items as furniture, +carpeting, decorator allowances, +automobiles, vacations, securities, +giveaways or other sales incentives. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess +ionAmount + +56 + +1 + +e-4 + +CONTRACT + +If Yes, report the total dollar amount +and describe the items to be paid. + +GSE Undefined +Concession Amount +Indicator + +Indicates whether there is a known sales +or financing concessions with an +unknown dollar amount. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_CONC +ESSION_EXTENSION/SALES_CONCESSION_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/SALES_CONCESSION_EXTENSION_SECTION_DATA/SALES_ +CONCESSION/@GSEUndefinedConcessionAmountIndicator diff --git a/chunks/txt/72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a.txt b/chunks/txt/72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a.txt new file mode 100644 index 0000000000000000000000000000000000000000..b4a0dc164747a1c2490c30e8f133b89513ebc8ba --- /dev/null +++ b/chunks/txt/72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a.txt @@ -0,0 +1,19 @@ +Note: If the appraiser is engaged as a property data collector and at a later date engaged as an appraiser, this is still considered a +hybrid appraisal. + +The lender remains responsible for verifying the accuracy of the property description and the completeness of the data including +the condition and quality ratings as determined by the appraiser. The lender is also responsible for ensuring the property meets +the property eligibility requirements in this Selling Guide. Lastly, the lender remains responsible for any life-of-loan +representations and warranties that may apply to the property or the appraisal. + +Exhibits: Hybrid appraisals require the same exhibits as traditional appraisals, including a floor plan conforming to the Square +Footage-Method for Calculating: ANSI® Z765-2021. See SB4-1.2-01, Appraisal Reports and Exhibits for additional information on +exhibits and SB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report for additional +information on the ANSI standard. + +The appraiser must indicate in the Assignment section of the URAR their use of a property data collection in lieu of the appraiser +performing an on-site inspection as part of the hybrid appraisal assignment. + +DU Messaging: For loan casefiles that are eligible for a hybrid appraisal option, DU will issue a message informing the lender they +can obtain a hybrid appraisal. DU will also issue messages for other eligible appraisal options. The lender may select from any of +the options presented, which may include a hybrid appraisal, desktop appraisal, or traditional appraisal. diff --git a/chunks/txt/72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283.txt b/chunks/txt/72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283.txt new file mode 100644 index 0000000000000000000000000000000000000000..aedab07597c6d235d7992e51aa5c94ab437b3e3c --- /dev/null +++ b/chunks/txt/72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283.txt @@ -0,0 +1,114 @@ +o The second instance identifies ROLE/ROLE_DETAIL/PartyRoleType = “Client” + +Similarly, when an AMC is the Client, or attorney is the Client, the PARTY container must include two instances of ROLE container. + +Figure 08 - 3 depicts a PARTY container where Lender is also the Client. (Figure 08 - 3) + +Figure 08 - 3 + +Page 39 + +When Lender/AMC is Not the Client + +• Deliver the appraisal management company information when an appraisal management company exists but is not the client. (Figure 08 - 4) + +Figure 08 - 4 + +Page 40 + +• Deliver the lender information if a lender exists but is not the client. (Figure 08 - 5) + +Figure 08 - 5 + +Page 41 + +Assignment Information: Contact Information – [Role]/[Role] – Non-Clients + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +08.008 + +Company Name + +2400.0368 + +FullName + +2400.0369 + +2400.0370 + +2400.0372 + +2400.0371 + +AddressLineText + +CityName + +StateCode + +PostalCode + +08.009 + +Company Address + +Credentials + +08.010 + +ID + +2400.0403 + +LicenseIdentifier + +Display Rules + +When PartyRoleType (UID: 2400.0373, FID: 08.006) = +“Lender” or “Management Company”… + +… displays + +… displays + +… displays + +… displays + +… displays + +If LicenseIdentifier, LicenseIssuingAuthorityStateCode, and +LicenseExpirationDate are not provided, do not display +report label. + +Display when provided for PartyRoleType (UID: 2400.0373, +FID: 08.006) = “ManagementCompany”. If not provided, do +not display report label. + +Page 42 + +Assignment Information: Contact Information – [Role]/[Role] – Non-Clients + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +08.011 + +State + +2400.0404 diff --git a/chunks/txt/72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64.txt b/chunks/txt/72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64.txt new file mode 100644 index 0000000000000000000000000000000000000000..3120bb9abd52bff83f8db07b4a51666695096b5c --- /dev/null +++ b/chunks/txt/72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64.txt @@ -0,0 +1,69 @@ +1 + +1 + +25 + +25 + +1 + +1 + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +If a street exists, at least one of fields 1-112, 1- +113 (values of Property Off Site Improvement +Ownership Type) should be indicated. + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +If a street exists, at least one of fields 1-112, 1- +113 (values of Property Off Site Improvement +Ownership Type) should be indicated. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +SanitarySewer']/@_NonPublicDescription + +/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[ +@_Type='Street']/@_Description + +/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[ +@_Type='Street' and @_OwnershipType='Public']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[ +@_Type='Street' and @_OwnershipType='Private']/@_ExistsIndicator + +String + +String + +Boolean + +Boolean + +/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[ +@_Type='Alley']/@_Description + +25 + +String + +UAD Instruction - Refer to Appendix D Site Section +This field should indicate the alley type. The value 'None' should be indicated if +none is present. + +/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[ +@_Type='Alley' and @_OwnershipType='Public']/@_ExistsIndicator + +1 + +Boolean + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. diff --git a/chunks/txt/72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461.txt b/chunks/txt/72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd8b388b2a902c4ea3d1200e80ef082ae47ddf19 --- /dev/null +++ b/chunks/txt/72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461.txt @@ -0,0 +1,39 @@ +4a. Sampling + +FHFA used sampling as one of the disclosure avoidance methods to reduce potential re-identifying of +borrowers, property addresses, and appraisers. FHFA’s sample design objectives included the following: + +1. A sampling rate low enough to achieve re-identification reduction benefits meaningfully but high + +enough to produce statistically reliable estimates for key estimates. + +2. A sample design prioritizing production of estimates for the nation and for the nation’s largest + +housing markets, as defined by metropolitan areas. + +3. A sample design prioritizing statistical precision in estimates for purchase appraisals. + +Section 5 describes the sample design. + +4b. Remove All Personally Identifiable Information + +For the UAD Appraisal-Level PUF, FHFA did not include any data fields that are commonly considered +PII. These included, but were not limited to, property owner(s) name and address, borrower(s) name and +contact information, and appraiser name(s) and contact information. + +4c. Remove All Precise Location Information + +For the UAD Appraisal-Level PUF, FHFA did not include any data fields that provided precise or near- +precise location information. In doing so, the Agency considered individual data fields as well as +combination of data fields. These included, but were not limited to, mailing addresses, assessor parcel +number, lot number, legal description, zoning code, and Federal Emergency Management Agency flood +zone. + +4d. Remove Certain Information That Contributed to Re-Identification + +FHFA evaluated each property characteristic in a UAD appraisal record to determine whether it was +typically available in another public source such as public records or real estate listings. For property +characteristics common to the UAD appraisal record and another public source, FHFA balanced the +utility of including the property characteristic in the UAD Appraisal-Level PUF with its contribution to +increasing the probability of re-identification. For the UAD Appraisal-Level PUF, FHFA removed +numerous property characteristics that did not meet its balancing test. diff --git a/chunks/txt/72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a.txt b/chunks/txt/72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae28f2a58d1a6711bee1d826157f10bd9406e8dd --- /dev/null +++ b/chunks/txt/72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/leadership/william-j-pulte" +date_accessed: "2026-01-27T17:54:20.584Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7.txt b/chunks/txt/72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7.txt new file mode 100644 index 0000000000000000000000000000000000000000..d8f5dddb17debe5b2ef930273e7bf16e68caf6f6 --- /dev/null +++ b/chunks/txt/72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7.txt @@ -0,0 +1,5 @@ +Layout Grid .......................................................................................................................................................... 15 + +Margins ............................................................................................................................................................... 15 + +Header Text ......................................................................................................................................................... 15 diff --git a/chunks/txt/73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9.txt b/chunks/txt/73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ac94b2409db2da0038f74f7dff93ee3064aaa2b --- /dev/null +++ b/chunks/txt/73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9.txt @@ -0,0 +1,24 @@ +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable +condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or +structural integrity of the property. + +10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of +the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known +physical deficiencies that could affect the soundness or structural integrity of the property. + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was transmitted. + +TXC-NP + +12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for +sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and +the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. diff --git a/chunks/txt/73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1.txt b/chunks/txt/73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..9247b04361bc39ef79ce5f7043724edec93ba5f3 --- /dev/null +++ b/chunks/txt/73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1.txt @@ -0,0 +1,53 @@ +Understand the scope of the +data population +Identify source systems +Map internal data to new +loan delivery data set + +C. Common Usage and GSE-Specific Test Case Scenarios + +The Common Usage and Test Case Scenarios included as Appendix B to the ULDDS and +GSE-specific packages provide examples of how to map to the loan delivery data set. +They help lenders and vendors interpret the data requirements and relate each data point to + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 58 of 76 + +Section V. Resources + +its plain language use in the business scenarios. Each scenario begins with a narrative +description in business terms of the data to be communicated at time of delivery to the +GSE. The scenarios are followed by a tabular representation of the containers, data points, +conditionality, and valid values for communicating the scenario as a loan delivery XML +file. The containers are presented in the order of the V3.0 Reference Model schema. + +D. Resource Web Sites + +Refer to the table below for a list of Web sites, documents, and URLs to access the +additional documentation referenced in this User Guide. + +Document or Web Site Name + +URL + +Table V-3. Resources. + +Fannie Mae Implementation Guide +for Loan Delivery Data + +https://www.efanniemae.com/sf/lqi/umdp/index.jsp + +Freddie Mac Implementation +Guide for Loan Delivery Data + +http://www.freddiemac.com/sell/secmktg/uniform_mortgag +e.html + +List of XML Editors for Viewing +V3.0 Reference Model and .xsd +files + +http://en.wikipedia.org/wiki/List_of_XML_editors diff --git a/chunks/txt/7341c20984fbe8219e5a44e107e842b2a50ac57c3ada7d1f7ce2f8785a95f7f2.txt b/chunks/txt/7341c20984fbe8219e5a44e107e842b2a50ac57c3ada7d1f7ce2f8785a95f7f2.txt new file mode 100644 index 0000000000000000000000000000000000000000..02a7f0a2e3ada7c6e96936d410d700b3070119f2 --- /dev/null +++ b/chunks/txt/7341c20984fbe8219e5a44e107e842b2a50ac57c3ada7d1f7ce2f8785a95f7f2.txt @@ -0,0 +1,203 @@ +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 15 of 29 +Page 15 of 29 + +Sales Comparison Approach + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +12345 Holiday Hwy +Surfside, HI 12345 + +13-222 N Trail Loop +Surfside, HI 12345 + +25-1837 Highmountain Pl +Surfside, HI 12345 + +22-1713 Broad Ave +Surfside, HI 12345 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Financing Type + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +All Rights Included + +Rights Not Included + +Site + +Site Size + +Neighborhood Name + +Zoning Compliance + +Site Characteristics + +Site Influence (Location) + +View | Range + +Dwelling(s) + +Year Built + +This is where the +Subject Property photo +would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +Assessor Record | +MLS 2345850 + +Assessor Record | +MLS 32498543 + +Assessor Record | +MLS 2354398 + +$160,000 + +Pending + +$160,000 + +No + +08/25/2019 + +Detached + +Fee Simple + +No + +1.1 Miles S + +$279,000 + +Settled Sale + +— + +$279,000 + +$0 + +$0 + +$0 + +VA + +No + +02/22/2019 + +04/30/2019 + +115 + +Detached + +Fee Simple + +No + +5.1 Miles NW + +$210,000 + +Settled Sale + +— + +$200,500 + +Conventional + +No + +10/01/2018 + +12/03/2018 + +94 + +Detached + +Fee Simple + +No + +$0 + +$0 + +$0 + +Conventional + +No + +03/20/2019 + +05/30/2019 + +87 + +Detached + +Fee Simple + +No + +4.4 Miles W diff --git a/chunks/txt/734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6.txt b/chunks/txt/734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6.txt new file mode 100644 index 0000000000000000000000000000000000000000..13f839544c56be3eec68cc14925e896e130b877b --- /dev/null +++ b/chunks/txt/734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6.txt @@ -0,0 +1,121 @@ +Finish +Finished + +Area +1,190 Sq. Ft. + +Room Summary +2 - Bath - Full +2 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Not Updated + +Not Updated + +Time Frame + +Quality Comment + +Condition Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 8 of 26 + +Unit Interior - Building 1 - Unit B (continued) + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit B) + +None + +Unit Interior Exhibits + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +This is where the Unit B Bath 1 photo would display. + +This is where the Unit B Bath 2 photo would display. + +Level 1 - Bedroom - Bedroom 1 + +Level 1 - Bedroom - Bedroom 2 + +This is where the Unit B Bedroom 1 photo would display. + +This is where the Unit B Bedroom 2 photo would display. diff --git a/chunks/txt/73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f.txt b/chunks/txt/73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f.txt new file mode 100644 index 0000000000000000000000000000000000000000..59417d29de4075f7568f73976bbc1ad35dec9757 --- /dev/null +++ b/chunks/txt/73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f.txt @@ -0,0 +1,23 @@ +##### About + +[Single-Family Public Use Database (PUDB)](/data/pudb) The Single-Family Public Use Database (PUDB) contains Enterprise Single-Family mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all Single-Family properties. This dashboard rolls up information from the Census Track File nationally, and merges that with the National File. + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19.txt b/chunks/txt/7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19.txt new file mode 100644 index 0000000000000000000000000000000000000000..be5fa32547a0b600f04ee295d9f56f396963585f --- /dev/null +++ b/chunks/txt/7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19.txt @@ -0,0 +1,13 @@ +#### Money Laundering (use of fraud proceeds) + +Money Laundering is the criminal act of introducing proceeds of crime into the financial system in efforts to obscure its origin. A transaction involving proceeds of any type of fraud can be a predicate offense for money laundering. Fraudsters are known to use tools of fraud such as straw buyers and fictitious employment information to obtain mortgages through which funds may be laundered. + +#### Cyber-Enabled Fraud and Theft Schemes + +Technological advancements can create new pathways for cyber-enabled fraud. The information below can aid in identifying common cyber fraud schemes that can be used to commit mortgage fraud. + +**Business Email Compromise (BEC)** – Fraudsters target email accounts of financial institutions or their customers, including commercial, non-profit, non-governmental, or governmental entities to either spoof a valid email address or use a valid, but compromised email address to direct victims to disclose sensitive data or execute fraudulent payments. Fraudsters employ various tactics such as password spray, phishing, malware, and social engineering to further these schemes. + +**Caller ID and Email Spoofing** – Caller ID and email spoofing allows a fraudulent caller or sender to masquerade as someone else by falsifying either the number that appears on the victim’s caller ID display or an email sender that appears familiar and unsuspicious to the recipient. For example, fraudsters are known to spoof the identity of mortgage servicers in efforts to collect sensitive personal or financial information. + +**Credential Stuffing**– Cyber attackers may use stolen credentials (e.g., usernames/email addresses and corresponding passwords), often resulting from a data breach and purchased from the dark web, to gain unauthorized access to an account that may use the same credentials. This attack is conducted assuming that users often reuse the same username and password combination across various websites. Fraudsters use the credentials across numerous pages, such as a mortgage servicer’s website, in attempt to gain unauthorized access to customer or corporate accounts. If successful, the fraudsters often steal personal or financial information or attempt to execute fraudulent payments. diff --git a/chunks/txt/7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70.txt b/chunks/txt/7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbcb28e254c637bea2e239ab31bc3b8360ac545e --- /dev/null +++ b/chunks/txt/7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/fhfa-performance-and-accountability-report" +date_accessed: "2026-01-27T17:47:57.677Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe.txt b/chunks/txt/7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe.txt new file mode 100644 index 0000000000000000000000000000000000000000..da6fc9f21e4431ad16606fd1ca144a9c65ce80fb --- /dev/null +++ b/chunks/txt/7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe.txt @@ -0,0 +1,70 @@ +Appendix F-1: URAR Reference Guide + +Page 4 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Revision History + +Version 1.1 (Published December 12, 2023) + +Reference Guide +Chapter + +Change # + +Version 1.1 (Published December 12, 2023) + +Revision Description + +Various + +2023-045 Clarified requirements when there is more than one unit (Units Excluding ADUs is more than 1). + +2023-007 Corrected the list of legacy appraisal forms being replaced by the URAR. + +2023-008 URAR Section Organization: Clarified Unit Interior and Manufactured Home section display. + +2023-037 URAR Section Organization and Photos and Images: Corrected typo in the Overall Quality and Condition section name. + +Overview + +2023-014 + +Document Conventions: Clarified that green rows in Reference Guide tables are applicable only to FHA, VA, or USDA +appraisals. + +2023-011 +2023-047 + +Example of Field Names in the Reference Guide: Corrected report sample, updated table for Vehicle Storage Attachment +Type. + +2023-013 +2023-019 + +Photos and Images: Clarified photo requirements for view, encroachments, rooms in ADUs and outbuildings, and water +frontage with private access. + +Header and Footer 2023-061 Updated date in footer to December 2023. + +01 Summary + +2023-037 + +Corrected display rules for Market Value Condition (1.009), and updated Report Field ID in Cost to Repair Reporting +Options to 1.083. + +02 Assignment +Information + +03 Subject +Property + +2023-025 Unit Identifier (1.047, 1.062): Clarified example. + +2023-014 Government Agency Appraisal (Not on Report): Corrected display rules. + +2023-068 Clarified that only one contact can be the Client (2.010/2.011). diff --git a/chunks/txt/7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6.txt b/chunks/txt/7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6.txt new file mode 100644 index 0000000000000000000000000000000000000000..064c8a0859457eed335040562d27ba3588d6b4b4 --- /dev/null +++ b/chunks/txt/7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6.txt @@ -0,0 +1,40 @@ +Uniform Closing Dataset (UCD) Collection Solution Enhancements +2019 Release Notes Summary + +This UCD Collection Solution 2019 Release Notes Summary provides access to all 2019 UCD updates in an easy-to-read format and located in one document. Please refer to +the UCD Announcements webpage for additional details. + +September 29, 2020 + +In Case You Missed It + +Effective +Date + +Impacted +Area + +Description + +June 24, 2019 + +UCD Mandate + +UCD Seller Information Mandate went into effect. + +June 28, 2019 + +Resubmission + +UCD Resubmission Requirements and Guidelines provided by Fannie Mae. + +September 30, 2019 + +New Edits + +21 new warning edits for the Seller Information were introduced in the UCD Collection Solution. Please refer to the UCD +Feedback Messages for details. + +© 2020 Fannie Mae + +September 2020 diff --git a/chunks/txt/737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a.txt b/chunks/txt/737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a.txt new file mode 100644 index 0000000000000000000000000000000000000000..bbb4fa802a960ad6217e10c333344ce73277d961 --- /dev/null +++ b/chunks/txt/737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a.txt @@ -0,0 +1,182 @@ +1,550 Sq. Ft. + +1,250 Sq. Ft. + +300 Sq. Ft. + +$0 + +$0 + +$0 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Foundation + +Roof + +Condition + +Interior Quality and Condition + +Quality + +Kitchen + +Q3 + +Cement Board + +Basement + +Composition + +C1 + +Q3 + +Q3 + +Cement Board + +Basement + +Composition + +C1 + +Q3 + +Commercial Grade +Appliances + +Commercial Grade +Appliances + +Overall Bathrooms + +Mixture of Tile and Granite + +Mixture of Tile and Granite + +Overall Flooring + +Nylon Short Loop and +Engineered Wood + +Nylon Short Loop and +Engineered Wood + +Walls and Ceiling + +9 Ft. and 10 Ft. | Custom + +9 Ft. | Custom + +Condition + +C1 + +C1 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Q3 + +C1 + +Q3 + +C1 + +Whole Home + +Indoor Fireplace - 2 + +Patio | Porch + +$(2,000) + +Deck | Patio +| Porch + +Indoor +Fireplace - 2 + +Vehicle Storage + +Type | Spaces | Detail + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +Driveway | 4 | Asphalt +Garage | 3 | Attached 626 Sq. Ft. + +Driveway | 4 | Asphalt +Garage | 3 | Attached + +$895,000 + +$895,000 + +$915,000 + +— + +— + +$(2,000) + +$590 + +$913,000 + +Most + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$900,000 + +Reconciliation of Sales Comparison Approach + +All 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. diff --git a/chunks/txt/7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab.txt b/chunks/txt/7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ac8504f5cad38fef0d429ff9b5d9cb0048e1d2e --- /dev/null +++ b/chunks/txt/7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13746","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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Interest rate +variability depends on the loan’s amortization type and associated features. + +a. NO--I NTEREST RATE CANNOT I NCREASE + +If the interest rate cannot increase for the life of the loan, “NO” is provided for 4.2.2 and no description is +required for 4.2.3, as shown in the figure and table below. + +4.0 Loan Terms + +Can this amount increase after closing? + +4.1 Loan Amount + +4.1.1 $162,000 + +4.1.2 NO + +4.1.3 + +Appendix E: UCD Implementation Guide + +Page 65 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +4.2 Interest Rate + +4.2.1 3.875% + +4.2.2 NO + +4.2.3 + +Figure 36. Loan Terms Table - Interest Rate Cannot Increase + +Table 51. Interest Rate Cannot Increase + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +4.2.2 + +Can this amount +increase…? + +.../LOAN_DETAIL + +InterestRateIncreas +eIndicator + +false + +Represented as +“NO” on form + +b. YES--I NTEREST RATE CAN OR WI LL I NCREASE + +If Interest Rate may increase after closing, the bulleted text immediately to the right of the “YES” answer must +provide potentiality, adjustment frequency, maximum rate and a reference to the AIR table. The interest rate +terms shown in the boilerplate text are driven by the values of data provided in the XML file. If Interest Rate can +or will increase after closing, the Interest Rate Increase Indicator value is “true”. The next information item +necessary for constructing the variable boilerplate text is whether the rate increase is potential—for For +example, for an ARM—or scheduled—as for a Step Rate loan or a loan with a temporary buydown feature. +Samples of both scenarios are shown in the figures and tables below. diff --git a/chunks/txt/737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803.txt b/chunks/txt/737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803.txt new file mode 100644 index 0000000000000000000000000000000000000000..ac5304f90a1112b915a73b828c1849759444f0c7 --- /dev/null +++ b/chunks/txt/737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803.txt @@ -0,0 +1,198 @@ +EntryDatetime + +2015-02- +17T09:00:47Z + +0.020 + +0.210 + +N/A - XML + +N/A - XML + +EventType + +Other + +EventTypeOtherDesc +ription + +AppliedTamperEvide +ntSignature + +0.052 + +0.055 + +0.053 + +0.023 + +0.024 | +997.054 + +N/A - GSE + +N/A - GSE + +…/PARTY_ROLE_IDEN +TIFIER + +PartyRoleIdentifier + + + +@IdentifierOwnerURI "www.fanniemae.co + +N/A - GSE + +…/ROLE_DETAIL + +PartyRoleType + +m" | +"www.freddiemac.co +m" + +LoanDeliveryFilePrep +arer + +N/A - XML + +…/SYSTEM_SIGNATU +RE/EXTENSION/OTHE +R + +gse:XMLDigitalSignat +ureElement + + + +N/A - XML + +…/VIEWS/VIEW + +@SequenceNumber 1 + +0.025 + +N/A - XML + +…/FOREIGN_OBJECT EmbeddedContentX + + + +ML + +0.050 + +N/A - XML + +MIMETypeIdentifier application/pdf + +0.034 + +N/A - XML + +ObjectEncodingType Base64 + +0.048 + +N/A - XML + +ObjectName + +ClosingDisclosure000 +1.pdf + +Appendix E: UCD Implementation Guide + +Page 28 of 254 + +▪ Only acceptable + +format + +▪ Date and time the +tamper evident +seal was applied to +the document + +▪ Only acceptable + +values + +▪ Indicate that a +tamper evident +seal was applied to +the embedded +document + +▪ Data Clarity +▪ The GSE-assigned +seller or vendor +identifier if +available + +▪ The sending + +system’s signature + +▪ Orders multiple +DOCUMENTS +within the XML file + +▪ 1 DOCUMENT for +the Model or +Alternate form and +1 or 2 +DOCUMENTS for +split disclosures + +▪ The embedded + +PDF of the Closing +Disclosure + +▪ Only acceptable + +value + +▪ Data about the + +encoding + +▪ Only acceptable + +value + +▪ Data about the + +encoding + +▪ Identifies the + +embedded file +name + +Version 1.4 + +Uniform Closing Dataset + +IV. UCD Data Point Categories + +UCD +UID + +0.028 + +Form Field Name + +N/A - XML + +0.029 + +N/A - XML + +Table 5. UCD File Handling Data diff --git a/chunks/txt/738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3.txt b/chunks/txt/738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..533980e8b3f7755308604830ff6e39c4bcdb813d --- /dev/null +++ b/chunks/txt/738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3.txt @@ -0,0 +1,17 @@ +## Social media + +- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722) + - [Facebook](https://www.facebook.com/fanniemae) + - [Instagram](https://instagram.com/officialfanniemae) + - [X (formerly Twitter)](https://twitter.com/FannieMae) + +## Footer menu + +- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + +© 2026 Fannie Mae diff --git a/chunks/txt/7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66.txt b/chunks/txt/7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66.txt new file mode 100644 index 0000000000000000000000000000000000000000..94a86384c86df7bb80da2a04113be3bd6881dc4f --- /dev/null +++ b/chunks/txt/7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66.txt @@ -0,0 +1,319 @@ +TB-I +TB-B +TB-I + +TB-I + +FTR-L + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +$ + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +2 COLUMN PAGE FORMAT + +HDR-R + +Subject Property +Subject Property + +Comparable # +Comparable # + +Comparable # +Comparable # + +Comparable # +Comparable # + +Property Address +Property Address + +Interior Quality and Condition +Interior Quality and Condition + +TB-SCA_H2 + +Structure ID | Unit ID +Structure ID | Unit ID + +Quality +Quality + +Kitchen +Kitchen + +Overall Bathrooms +Overall Bathrooms + +Overall Flooring +Overall Flooring + +Walls and Ceiling +Walls and Ceiling + +Condition +Condition + +Kitchen +Kitchen + +Overall Bathrooms +Overall Bathrooms + +Overall Flooring +Overall Flooring + +Walls and Ceiling +Walls and Ceiling + +ADU Interior Quality and Condition +ADU Interior Quality and Condition + +TB-SCA_H2 + +Location of ADU +Location of ADU + +Quality +Quality + +Kitchen +Kitchen + +Overall Bathrooms +Overall Bathrooms + +Overall Flooring +Overall Flooring + +Walls and Ceiling +Walls and Ceiling + +Condition +Condition + +Kitchen +Kitchen + +Overall Bathrooms +Overall Bathrooms + +Overall Flooring +Overall Flooring + +Walls and Ceiling +Walls and Ceiling + +HDR-L + +TCH +TB + +TB-B +TB-B +TB-I + +TB-I + +TB-B +TB-I + +TB-I + +TB-B +TB-B + +TB-I + +TB-I + +TB-B + +TB-I diff --git a/chunks/txt/73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205.txt b/chunks/txt/73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205.txt new file mode 100644 index 0000000000000000000000000000000000000000..63544085f9bbf6f51a5da1da5a31216b51637d63 --- /dev/null +++ b/chunks/txt/73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205.txt @@ -0,0 +1,70 @@ +An identifier or number created by the appraiser to identify their report, +generally referred to as the appraiser’s file number. + +HF.006 Agency Case File + +ID + +Required for FHA and +VA appraisals + +Free-form + +HF.007 Client Reference + +If applicable + +Free-form + +ID + +HF.008 AMC Reference + +ID + +If applicable when +there is an AMC + +Free-form + +A unique number assigned to the loan by the government agency. Reference +the appropriate government agency appraisal guidelines for more information. +Note: If not applicable, Agency Case File ID does not display. + +A unique number or identifier assigned to the appraisal by the client. +Note: If not applicable, Client Reference ID does not display. + +A unique number or identifier assigned to the appraisal by the appraisal +management company (AMC). +Note: If not applicable, AMC Reference ID does not display. + +Appendix F-1: URAR Reference Guide + +Page 24 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +01 Summary + +01 Summary + +The Summary section provides a synopsis of key information from the URAR as a quick reference, including +actions to be taken into consideration by the reviewer. This section is not a substitute for reading the entire +appraisal. For greater detail and understanding, refer to the applicable section, which is indicated in the Origin +of Information (Section)” column in this chapter. + +Note: The information in this section redisplays from other sections, and the “Origin of Information (Section)” +column in this chapter shows the original location. + +Report +Field ID + +Report Label + +When Displayed in +Summary Section + +Allowable Answers / +Format diff --git a/chunks/txt/73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a.txt b/chunks/txt/73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a.txt new file mode 100644 index 0000000000000000000000000000000000000000..c8b6ebc2b68e6b78430d197919b0f83325d6cf36 --- /dev/null +++ b/chunks/txt/73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a.txt @@ -0,0 +1,157 @@ +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn +dicator='N'] + +1 + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +43 + +44 + +45 + +1 + +1 + +1 + +46 + +1 + +e-3 + +CONTRACT + +Explain the results of the analysis of the +contract for sale or why the analysis was +not performed. + +GSE Sale Type + +The type of sale associated with the +subject or comparable property +transaction. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_CONT +RACT_EXTENSION/SALES_CONTRACT_EXTENSION_SECTION[@Extensi +onSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/SALES_CONTRACT_EXTENSION_SECTION_DATA/SALES_T +RANSACTION/@GSESaleType + +17 + +Enumerated + +47 + +48 + +49 + +50 + +51 + +52 + +53 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +44 + +CONTRACT + +Explain the results of the analysis of the +contract for sale or why the analysis was +not performed. + +Sales Contract +Review Comment + +A free-form text field describing the sales +contract. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_ReviewCom +ment + +4000 + +String + +45 + +CONTRACT + +Contract Price $ + +Sales Contract +Amount + +The amount of money the contract is for. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Amount + +46 + +CONTRACT + +Date of Contract + +Sales Contract Date + +The effective date of the sales contract +(e.g. the date of sale). + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Date + +47 + +48 + +49 + +50 + +CONTRACT + +CONTRACT + +Is the property seller the owner of public +record? +Yes +Is the property seller the owner of public +record? +No + +Seller Is Owner +Indicator + +Indicates that the seller is the owner of the +property. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne +rIndicator='Y'] diff --git a/chunks/txt/73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77.txt b/chunks/txt/73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77.txt new file mode 100644 index 0000000000000000000000000000000000000000..d8915a04e99a084fb5fdb1423182a76e0c6599c2 --- /dev/null +++ b/chunks/txt/73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77.txt @@ -0,0 +1,48 @@ +outbuilding includes area for vehicle storage, ADU(s), and any other uses” displays below the field. (Figure 12 - 2) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 12 - 2 + +Page 205 + +Abbreviated Version of Outbuilding + +When ImprovementType = "Outbuilding" and Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) += “false” + +• The following do not display: + +o Units in Structure, Structure Volume, Gross Building Area do not display + +o Descriptive text “Gross Building Area for the outbuilding includes area for vehicle storage, ADU(s), and any other uses” does + +not display + +o Detail, Mechanical System Details, and Apparent Defects, Damages, Deficiencies subsections do not display. (Figure 12 - 3) + +• The following do display: + +o Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) + +o Attached to Permanent Foundation - ManufacturedHomeAttachedToFoundationIndicator (UID: 0500.0007, FID: 12.004) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 12 - 3 + +Page 206 + +Detail + +The Detail subsection displays when Considered Real Property – OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = "true", and +additional information displays. + +• When Units in Structure - LivingUnitCount (UID: 0300.0063, FID: 12.003) = 0, (Figure 12 - 4) + +o Heating - HeatingSystemExistsIndicator (UID: 0300.0023, FID: 12.008) checkbox displays. +o Cooling - CoolingSystemExistsIndicator (UID: 0300.0022, FID: 12.009) checkbox displays. + +Appendix B-1: URAR Implementation Guide v1.3 + +Note: Note: When the outbuilding does not contain an ADU, the details for the heating and cooling diff --git a/chunks/txt/73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2.txt b/chunks/txt/73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2.txt new file mode 100644 index 0000000000000000000000000000000000000000..bcbaf0913aa1eb797ac9c407b2d42ca20f573eb5 --- /dev/null +++ b/chunks/txt/73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2.txt @@ -0,0 +1,18 @@ +The required data points when the Alternate Form is used are listed below with the UCD v1.5 UID, a slash, then the UCD v2.0 UID: + +- 16.016 / 10.039 ClosingAdjustmentItemAmount +- 16.024 / 10.211 ClosingAdjustmentItemPaidOutsideOfClosingIndicator +- 16.017 / 10.042 ClosingAdjustmentItemType = “Gift” or “Grant” +- 16.020 (same in both spec versions) IntegratedDisclosureSectionType = “PayoffsAndPayments” +- 16.023 /10.308 FullName with the full name of the individual providing the gift, OR +- 16.022 / 10.043 FullName with the full, unparsed name of the legal entity providing the grant. +- 16.021 (same in both spec versions) gse:FullName with the full, unparsed name of the payee +When the Model Form is used for a refinance transaction, the data points to be provided in the UCD XML file are the same, with the following substitutions for the Model Form heading and subheading: + +- 10.162 (same in both versions) IntegratedDisclosureSectionType = “PaidAlreadyByOrOnBehalfOfBorrowerAtClosing” +- UID 10.163 (same in both versions) IntegratedDisclosureSubsectionType = “OtherCredits” +**28. I have run my loan through both Desktop Underwriter® (DU®) and Loan Product Advisor® (LPA®) and received an Automated Underwriting Case Identifier from both systems. Can I include the Automated Underwriting Case Identifier and Automated Underwriting Case System Type for both DU and Loan Product Advisor in the same UCD XML file?** + +Yes. You may include two instances of Automated Underwriting Case Identifier and Automated Underwriting System Type in the UCD XML file: + +One with Automated Underwriting System Type = “DesktopUnderwriter” and second instance with Automated Underwriting System Type = “Other” / Automated Underwriting System Type OtherDescription = “LoanProductAdvisor”. diff --git a/chunks/txt/73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240.txt b/chunks/txt/73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c56d75c7a0821160d729ea161d49927312d6f31 --- /dev/null +++ b/chunks/txt/73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240.txt @@ -0,0 +1,35 @@ +in each + +c. Estimated Escrow Amount + +The value of data point LOAN_DETAIL/EscrowIndicator (see (see Chapter R. Loan Feature Data) is used to indicate whether +the value of ProjectedPaymentEstimatedEscrowPaymentAmount should be greater than or equal to “0”. Zero is provided for +each payment range when the value of EscrowIndicator = “false”. Otherwise, the estimated amount of the payment that is +applied toward escrows during the projected payment period must be provided in each instance of PROEJCTED_PAYMENT. + +The estimated monthly amount to fund the escrow account is provided in the third row of the Projected Payments table. +If an escrow account exists for the loan, the sum of the ProjectedPaymentMIPaymentAmount plus escrowed property costs +is provided in the data point ProjectedPaymentEstimatedEscrowPaymentAmount. + +d. Estimated Total Monthly Payment Amounts + +The last row of the Projected Payments table is for the Estimated Total Monthly Payment. The Estimated Total is the sum +of the amounts disclosed for Principal & Interest, Mortgage Insurance, and Estimated Escrow for each year range. In the case +of a payment amount range as illustrated in the second column, ProjectedPaymentPrincipalAndInterestMinimum + +UCD v2.0 Implementation Guide + +- 73 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +lowest possible payment during the payment range and +PaymentAmount must be provided to show the +ProjectedPaymentEstimatedTotalMaximumPaymentAmount must be provided to show the highest possible payment +amount. + +In the following UCD v2.0, the PROJECTED_PAYMENT structure repeats twice to reflect the two columns with year ranges diff --git a/chunks/txt/73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230.txt b/chunks/txt/73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f4fbea2a16804803d0a9a64f6f37c8a91e5f737 --- /dev/null +++ b/chunks/txt/73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230.txt @@ -0,0 +1,47 @@ +Learn about passports, travel documents for minors, and travel to, from, and within the U.S.](/travel) + - [## Voting and elections + +Find out how to register to vote, where your voting location is, how presidential elections work, and more about voting in the United States.](/voting-and-elections) + - [## Life events + +Discover government benefits and services to help you and your family through every stage of life.](/life-events) + +[Top](#main-content) + +### Government information + +- [All topics and services](/#all-topics-header) + - [Directory of U.S. government agencies and departments](/agency-index) + - [Branches of government](/branches-of-government) + +### About us + +- [About USAGov](/about) + - [Privacy and security policies](/privacy-security) + - [Accessibility policy](/accessibility-policy) + - [Report a website issue](/site-issue-report-form) + - [Website usage data](/website-analytics/) + +### For federal agencies + +- [Partner with us](/partner-with-usagov) + - [Read our blog](https://blog.usa.gov/) + +### For media + +- [USAGov Outreach](/outreach) + - [Feature articles](/features) + +#### USAGov Contact Center + +Ask USA.gov a question at + +[1-844-USAGOV1 (1-844-872-4681)](/phone) + +USAGov is the official guide to government information and services + +An official website of the [U.S. General Services Administration](https://www.gsa.gov/) + +- [GSA accessibility support](https://www.gsa.gov/website-information/accessibility-statement?footer=) + - [GSA privacy policy](https://www.gsa.gov/website-information/website-policies#privacy) + - [FOIA requests](https://www.gsa.gov/reference/freedom-of-information-act-foia) diff --git a/chunks/txt/73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc.txt b/chunks/txt/73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc.txt new file mode 100644 index 0000000000000000000000000000000000000000..73827e6860fc162f8d6e7212664864c798f79b9a --- /dev/null +++ b/chunks/txt/73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc.txt @@ -0,0 +1,79 @@ +Left-hand side of page + +• + +• + +“Known Sales Concessions,” “Total Sales Concessions” set as TXR-B, TXR. + +“Typical for Market” set as TXR-I, TXR. + +Sales Contract Analysis (H1) + +Set Commentary as TXC x 45 picas. + +Sales Contract Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Prior Sale and Transfer History” sets as TAB. + +Subject Transfer History (H1) + +“Prior sales and/or transfers of the subject property (minimum 3 year look back)” sets as TXC-I x 45 picas. + +Left-hand side of page + +• + +• + +“Prior Sales or Transfers” sets as TXR-B, TXR. + +“Data Source” sets as TXR-I, TXR. + +Subject Transfer History table + +• Set 4 equal column table x 45 picas, headings: (TCH) “Transfer Terms,” “Date,” “Amount,” + +“Data Source” (~42 characters per line, per cell). + +• Content sets as TB. + +SUBJECT TRANSFER HISTORY TABLE + +Appendix E: Report Style Guide + +Page 58 of 90 + +Version 1.4 + +Full page width + +• + +“Analysis of Prior Sale and Transfer History of Subject Property” set as TXC-B (bold lead in to +Myriad Pro Regular text) X 45 picas. + +Comparable Transfer History (H1) + +“Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section +(minimum 1 year look back)” sets as TXC-I. + +Comparable Transfer History table + +• Set 5 column table x 45 picas, headings: (TCH) “#,” “Transfer Terms,” “Date,” “Amount,” “Data + +Source”. + +• Column 1: + +1 pica 6 points wide (~6 characters max, per line, per cell). + +• Column 2: + +9 picas 9 points wide (~39 characters max, per line, per cell). + +• Columns 3, 4, 5: + +11 picas 3 points wide (~45 characters max, per line, per cell). diff --git a/chunks/txt/7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae.txt b/chunks/txt/7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae.txt new file mode 100644 index 0000000000000000000000000000000000000000..608ddf5eda71568a9347167f2b351ecb9670e1ee --- /dev/null +++ b/chunks/txt/7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae.txt @@ -0,0 +1,77 @@ +Overall Condition +15.005 + +Reference Appendix 2: Condition and Quality Rating +Definitions for definitions. + +Reference Appendix 2: Condition and Quality Rating +Definitions for definitions. + +N/A + +See +iGuide + +Always displays + +Photo + +Property Photo +Photo of the subject property, typically the front. + +Apparent Defects, Damages, Deficiencies Requiring Action + +All defects, damages, and deficiencies requiring completion, inspection, or repair are redisplayed in the +Summary section, along with the estimated cost to repair when applicable. Each defect, damage, or deficiency is +associated with the most appropriate section. +• Site +• Dwelling Exterior (for each dwelling) +• Outbuilding (for each outbuilding) +• Unit Interior (for each unit or ADU) +• Vehicle Storage +• Subject Property Amenities + +Appendix F-1: URAR Reference Guide + +Page 29 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +01 Summary + +If there are no defects, damages, or deficiencies for the appraisal, “None” displays, and the Apparent Defects, +Damages, Deficiencies table does not display. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Summary: Apparent Defects, Damages, Deficiencies Requiring Action + +1.032 + +N/A + +N/A + +Displays when there +are defects, damages, +or deficiencies for the +property + +The items listed below represent the As Is condition as of the effective date of +this report + +If there are defects, damages, or deficiencies for the appraisal, but none of them require action, this text +displays, and the Apparent Defects, Damages, Deficiencies table does not display. +Summary: Apparent Defects, Damages, Deficiencies Requiring Action diff --git a/chunks/txt/740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd.txt b/chunks/txt/740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd.txt new file mode 100644 index 0000000000000000000000000000000000000000..7e2ae5ea6652d3b3ab24f21730099be2f41e05d8 --- /dev/null +++ b/chunks/txt/740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd.txt @@ -0,0 +1,64 @@ +The dwelling is a high-quality +structure, often using customized +or complex, commercially +available plans. The materials +and amenities have extended life +expectancy, high energy +efficiency, and greater detail, +ornamentation, or custom +finishes. A Q2 dwelling can +contain a mixture of upgraded, +high-end and luxury materials, +constructed with high-quality +workmanship + +Q3 + +The dwelling represents housing +that can be reproduced from +standard plans, featuring a higher +than standard degree of + +• Spacious rooms with high ceilings +featuring extensive use of treatments (e.g., +coved, barrel, cupola, coffered, beamed) +and exceptional grade trim and custom +millwork throughout. + +• Exceptional grade, often rare or imported +flooring materials, frequently featuring +inlay work or other customization. + +• Spacious kitchens featuring top-grade +materials, extensive cabinetry, and +countertop surface area; appliances and +fixtures are frequently state of the art, +custom-designed, built-in, or commercial +grade. + +• Luxury bathrooms, often oversized and +featuring exceptional quality materials and +multiple ornate or state-of-the-art fixtures +and features. + +• Spacious rooms with higher ceilings that +may have custom design elements (e.g., +coved, barrel, cupola, coffered, beamed), +high-end built-ins, mouldings and wall +treatments in communal areas and the +main bedroom. + +• High-grade floor coverings designed for +the highest level of durability and +occasionally featuring inlays or other +customization. + +• Large kitchens featuring high-end +appliances, extensive cabinetry, and +countertops. + +• Large bathrooms specifically dedicated to +certain bedrooms as well as at least one +common bathroom; containing high-end +countertops, cabinetry, and plumbing +fixtures. diff --git a/chunks/txt/7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2.txt b/chunks/txt/7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2.txt new file mode 100644 index 0000000000000000000000000000000000000000..8ec479a70994a92d37601f5e3072716c4bac116f --- /dev/null +++ b/chunks/txt/7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2.txt @@ -0,0 +1,3 @@ +Table of Contents ............................................................................................................................................................................................................. 3 + +Introduction ..................................................................................................................................................................................................................... 6 diff --git a/chunks/txt/741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6.txt b/chunks/txt/741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..562692b67e5288e2fa5153c7bd1f1ffb0ea15873 --- /dev/null +++ b/chunks/txt/741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6.txt @@ -0,0 +1,38 @@ +Comments must use ValuationCommentText (UID: 1600.0008, FID: 15.010) AND ValuationAnalysisCategoryType (UID: 0100.0045, FID: +15.010) = “OverallQualityAndCondition”. + +Appendix B-1: URAR Implementation Guide v1.3 + +16 Highest and Best Use + +Page 232 + +The Highest and Best Use section focuses on answering the four tests of highest and best use and identifying if the present or proposed use +is the highest and best use. This section provides space for additional commentary and exhibits. + +The Highest and Best Use section always displays with the static text, “Is the present use of the subject property…”, followed by the required +fields. (Figure 16 - 1) + +• Legally Permissible - LegallyPermissibleIndicator (UID: 3100.0004, FID: 16.000) +• Physically Possible - PhysicallyPossibleIndicator (UID: 3100.0006, FID: 16.001) +• Financially Feasible - FinanciallyFeasibleIndicator (UID: 3100.0003, FID: 16.002) +• Maximally Productive - MaximallyProductiveIndicator (UID: 3100.0005, FID: 16.003) +• + +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? - +SiteHighestBestUseIndicator (UID: 3100.0007, FID: 16.004) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 16 - 1 + +Page 233 + +Highest and Best Use Commentary + +The Highest and Best Use Commentary subsection displays when comments are provided. Any commentary must use +ValuationCommentText (UID: 3100.0010, FID: 16.005) and ValuationAnalysisCategoryType (UID: 3100.0011, FID: 16.005) = +“HighestAndBestUse”. + +Comments may be provided at the appraiser’s discretion; however, if any of the indicators in the top section are “false” indicating the subject +property’s present use is not the highest and best use, comments are required. diff --git a/chunks/txt/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.txt b/chunks/txt/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..8280b0838b5218b3e0edaea844fafd262558d75b --- /dev/null +++ b/chunks/txt/7433806fb0180f2faca172de5ebd9727afda12339ae1c1040ecea5cfc0fb92fb.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/examiner-resources" +date_accessed: "2026-01-27T17:54:20.416Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.txt b/chunks/txt/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e05f074ad8fb578e4d79f779de4e5a4400d96b2 --- /dev/null +++ b/chunks/txt/7433bcbabbdb41e6d6eed22b4bef2921aedc7ad43b823417097e1a62a572f5b4.txt @@ -0,0 +1,107 @@ +DU Spec Update + +Unique ID Form Field ID Form Field Name Data Point Name DU Supported Enumerations + +Implementation Notes + +3.0001 + +L3.1 + +Mortgage Type +Applied For + +MortgageType + +Conventional +FHA +USDARuralDevelopment +VA + +USDARuralDevelopment +enumeration is not +supported. + +© 2024 Fannie Mae. + +02.22.24 + +1 of 3 + +DU_UNDERWRITE_RESPONSE + +XIS Control Output (CO), STATUS Element + +Attribute + +Format + +Value + +Description + +_Condition + +String + +FAILURE + +_Name + +String + +SBAWF1.3 + +System error returned in the XIS Control Output (CO) response +file if the DU loan application submission file fails Schema or +Loan-Level File Validation. + +_Description + +String + +Loan Validation Error + +Related error message(s) returned in the MP_STATUS_LOG + +_Code + +String + +321 + +Sample + +Content-Disposition: form-data; name="CO"; filename="CO" + + + + + + + + + +MP_STATUS_LOG +Contains detailed error messages including Schema Validation, Loan Application Data, Credit, and Underwriting Checklist +errors. + +Section + +Description + +Loan Application Data Errors + +ERROR – USDA Rural Development loans are not supported. Resubmit as another +mortgage type, if applicable. If assistance is still required, contact Fannie Mae +Technology Support (1-800-2FANNIE). + +Sample + +Content-type: text/plain; charset=UTF-8 + +Content-Disposition: form-data; name="MP_STATUS_LOG"; filename="MP_STATUS_LOG" + +-------------------------------------------------------------------------------- diff --git a/chunks/txt/7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159.txt b/chunks/txt/7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159.txt new file mode 100644 index 0000000000000000000000000000000000000000..6d77a4b0ef5c09a244198da4a6c6ec5e9f0f4e75 --- /dev/null +++ b/chunks/txt/7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159.txt @@ -0,0 +1,5 @@ +CAP—Captions .................................................................................................................................................... 30 + +Part 2. Specific Section Details ........................................................................................................................... 32 + +Overview ....................................................................................................................................................... 32 diff --git a/chunks/txt/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.txt b/chunks/txt/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc53f7da410757d1a076d1682b170a899120b91d --- /dev/null +++ b/chunks/txt/744dbca50f15385dc5f6ec7aa6bb57adf066e52af70284dcf750260516172934.txt @@ -0,0 +1 @@ +{"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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:8a2601922215dac1b29407f0e515a752ac08d7082f2c56220d89f533cb513a61":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"181","view_path":"\/taxonomy\/term\/181","view_base_path":null,"view_dom_id":"8a2601922215dac1b29407f0e515a752ac08d7082f2c56220d89f533cb513a61","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/74517e1a151b4345b8496f7a26e01ce0df4a91c594d81917ce785356be94eeaa.txt b/chunks/txt/74517e1a151b4345b8496f7a26e01ce0df4a91c594d81917ce785356be94eeaa.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd04a73fd2f982023ab79d36e02545a105cce1c8 --- /dev/null +++ b/chunks/txt/74517e1a151b4345b8496f7a26e01ce0df4a91c594d81917ce785356be94eeaa.txt @@ -0,0 +1,16 @@ +**Ransomware**– Ransomware is malicious software used to infect a victim’s computer and deny access to key computer systems or data until a ransom is paid. Even if the ransom is paid, fraudsters may not restore access fully or may steal sensitive information for sale on the dark web or use in future cyber-attacks. + +**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. + +## Report Possible Fraud + +If 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. + +## Additional Resources for Borrowers + +[Consumer Financial Protection Bureau – Fraud and Scams](https://www.consumerfinance.gov/consumer-tools/fraud/) + [Federal Bureau of Investigation – Financial Institution/Mortgage Fraud](https://www.fbi.gov/investigate/white-collar-crime#Mortgage-and%20Financial%20Instiution%20Fraud) + [Federal Trade Commission – Home Loans​](https://consumer.ftc.gov/scams) + [Fannie Mae – Beware of Scams](https://www.knowyouroptions.com/find-resources/information-and-tools/beware-of-scams) or 1-800-2FANNIE + [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) + [Department of Housing and Urban Development – Prevent Loan Scams](https://www.hud.gov/program_offices/housing/prevent_loan_scams) diff --git a/chunks/txt/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.txt b/chunks/txt/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.txt new file mode 100644 index 0000000000000000000000000000000000000000..a58cc4ddcf3d8641fc56e9ca3b0efade53cf96c6 --- /dev/null +++ b/chunks/txt/74607460c4992dfedf63b61c6714b49714d8a5d2779e6dea2a4646e6ed00ff0c.txt @@ -0,0 +1,72 @@ +/VALUATION_RESPONSE/REPORT/@Appra +iserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifierName + +4a + +HEADER + +BLANK + +5 + +ADDITIONAL +COMMENTS + +Additional Comment + +Appraiser Additional +File Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +Valuation Methods +Additional +Description + +A free form text field used to provide +additional comments pertaining to the +valuation methods and information +gathering methods used in the +appraisal. + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifier + +PDF Display Format: +mm/dd/yyyy +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +String + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. + +String + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. diff --git a/chunks/txt/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.txt b/chunks/txt/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.txt new file mode 100644 index 0000000000000000000000000000000000000000..38d00e738348c837bd4aed901c2c4bfb992e8296 --- /dev/null +++ b/chunks/txt/74785c7794d6f2fc452acf78052f1672414bd54fb595e5bc4ee64dd8ecd4471e.txt @@ -0,0 +1,94 @@ +Lease or one year personal tax return (Rental Information +section of the Uniform Residential Appraisal Report (URAR) +and Single-Family Comparable Rent Schedule Form 1007 are +not required). Applies to rental income from subject property +or from other properties owned by the borrower. + +One of the following: + +• + +award letter, + +• one year personal tax return, + +• W-2 or 1099 form, or + +one month bank statement reflecting direct deposit. + +One of the following: + +• + +award letter, + +• one year personal tax return, + +• + +Form SSA-1099, or + +one month bank statement reflecting direct deposit. + +Lender must receive: + +• + +the borrower’s written confirmation of their intent to +return to work, and + +• no evidence or information from the borrower’s + +employer indicating that the borrower does not have +the right to return to work after the leave period. + +Regardless of the date of return, the amount of the “regular +employment income” the borrower received prior to the +temporary leave must be used to qualify. + +Lender must determine appropriate documentation. + +Examples include (but are not limited to): + +• + +an award letter or equivalent documentation or +agreement, + +• one paystub or equivalent documentation, + +• one year personal tax return, + +• + +IRS 1099 Form, or + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 186 of 166 + +UAD 3.6 Policy + +• + +• + +Foreign Income + +Foster-Care Income + +• Housing or Parsonage Allowance + +• + +Interest and Dividends Income + +• Mortgage Credit Certificates + +• Mortgage Differential Payments Income + +• Non-Occupant Borrower Income + +• Notes Receivable Income + +• Public Assistance Income diff --git a/chunks/txt/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.txt b/chunks/txt/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..951411328fa8b2e82e19feae595459435ec271a6 --- /dev/null +++ b/chunks/txt/7479db48de7bf5153b1d4f10ee8f528543fe810b376fbe10156899fca13668bb.txt @@ -0,0 +1,7 @@ +Reconsideration of Value (H1) ............................................................................................................................ 77 + +Supplemental Information ............................................................................................................................. 77 + +Supplemental Information Exhibits (H1) ............................................................................................................ 77 + +Certifications and Scope of Work ................................................................................................................... 77 diff --git a/chunks/txt/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.txt b/chunks/txt/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.txt new file mode 100644 index 0000000000000000000000000000000000000000..a11d57e7631aa194fb5c1fffdbb9491738729328 --- /dev/null +++ b/chunks/txt/748ead6a991a4ae1e447a8ea653f64381decc37b92fab73df9b01468f9480c05.txt @@ -0,0 +1,15 @@ +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. + +See the latest FHFA Conforming Loan Limit values news release [here](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026). + +## 2026 FHFA Conforming Loan Limit Values + +--- + +Conforming Loan Limit Values for Calendar Year 2026 -- All Counties + +[[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) + +## Previously Announced Loan Limit Values + +--- diff --git a/chunks/txt/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.txt b/chunks/txt/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.txt new file mode 100644 index 0000000000000000000000000000000000000000..28be8d7b6462f0e1f1e35a13f3e1bad668e802ee --- /dev/null +++ b/chunks/txt/74932648659c7e3f0024f2da2a9eccfe4b1cd53a694f4b5b285b71a0bd467676.txt @@ -0,0 +1,110 @@ +Categories 1-7 consolidate information on co- +borrower race and ethnicity reported by the +Enterprise. Categories 1 through 6 include +only co-borrowers not identified as Hispanic or +Latino. Categories 1-5 include non-Hispanic +or Latino co-borrowers identifying only one +race category. Category 6 includes non- +Hispanic or Latino co-borrowers identifying +two or more races. Category 7 includes co- +borrowers identified as Hispanic or Latino, of +any race. Category 9 includes mortgages for +which no co-borrower race or ethnicity is +identified, originally coded as information not +provided by the co-borrower in a mail or +telephone application, no co-borrower, not +applicable, or not available. + +13 + +1 + +sex_borr + +Borrower Sex + +1 = Male +2 = Female +3 = Information is not provided by the +borrower in a mail or telephone +application +4 = Not applicable +9 = Missing + +SF NFB + +12 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File B + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +14 + +sex_coborr + +Co-Borrower Sex + +15 + +1 + +occupancy_sf_nfb + +Occupancy Code + +1 = Male +2 = Female +3 = Information is not provided by the +co-borrower in a mail or telephone +application +4 = Not applicable +5 = No co-borrower +9 = Missing +1 = Owner-occupied unit +2 = Rental unit in an owner-occupied +property +3 = Investment property (rental unit) +9 = Not available + +16 + +17 + +18 + +1 + +1 + +1 + +SF NFB + +units_num + +Number of Units + +1,2,3, or 4 + +Total number of units in the property +containing this unit. + +unit_own_occ diff --git a/chunks/txt/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.txt b/chunks/txt/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.txt new file mode 100644 index 0000000000000000000000000000000000000000..dab889382ab4d91f1ac2feea8cbb537a5a1cfa03 --- /dev/null +++ b/chunks/txt/74bd0ba0eb91df6452506013cff4b24e543fdfa9859e645e02999422d0213f2f.txt @@ -0,0 +1,81 @@ +Delivery +Type* +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +© 2025 Fannie Mae + +12.10.2025 + +2 of 7 + +Code + +175 + +Whole +Loan/MBS +Both + +Description/Definition + +Flood Insurance—Not a Special Flood Hazard Area +Used to identify a mortgage for which no part of a principal or residential detached structure +on the property securing the mortgage loan is located in a Special Flood Hazard Area but that +flood insurance coverage is in place on the principal and/or residential detached structure. +Delivery is optional – code is auto-derived + +176 + +Both + +Shared Appreciation +Used to identify loans associated with a shared appreciation Community Seconds program. + +177 + +Both + +180 + +Both + +Model Deed Restriction Form +Used to identify shared equity loans with income and resale price restrictions that use the +model deed restriction form - 2021 Model Declaration of Affordability Covenants with +Refinance and Resale Restriction and Purchase Option. This SFC must be used in +conjunction with SFC 630 (Resale Restrictions Terminating at Foreclosure). + +No Flood Insurance — Not a Special Flood Hazard Area +Used to identify a mortgage for which no part of a principal or residential detached structure +on the property securing the mortgage loan is located in a Special Flood Hazard Area and +that no flood insurance coverage is in place on the principal or residential detached structure. +Also used to indicate that there is a non-residential detached structure attached to the land for +which any part is in a Special Flood Hazard Area and that no flood insurance coverage is in +place. +Delivery is optional – code is auto-derived diff --git a/chunks/txt/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.txt b/chunks/txt/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3b505572661bf243d81191de23b769a6099121a --- /dev/null +++ b/chunks/txt/74be03d368914141319bcffb61bd6dfad3ce4f993e696cc2fb53499002b47a19.txt @@ -0,0 +1,85 @@ +V. XML File Data Payload A to Z + +Figure 15. Rendering Sales Contract Data on the CD when Personal Property is Not Included in Sale. + +1.0 Closing Information + +Summaries of Transactions + +BORROWER’S TRANSACTION + +11.0 K. Due from Borrower at Closing + +11.0.1 + +1.7 Sale Price $240,000 + +11.1 Sale Price of Property + +11.1.1 $240,000.00 + +11.2 Sale Price of Any Personal Property + +11.1.1 + +included in Sale + +As shown in UCD v2.0 Spec “Field ID” column, one SALES_CONTRACT_DETAIL container holds the data that is rendered in + +two separate locations on the CD. + +i. Sale Does Not Include Personal Property + +Provide the data point SalesContractAmount when the sale does not + +include personal property and + +PersonalPropertyIncludedIndicator is “false“. + +Table 11. UCD v2.0 Spec Excerpt-Sales Contract Data when Personal Property is Not Included in Sale Data +Requirements + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/CO +LLATERAL/SUBJECT_PROPERTY/SALES_CONTRACTS/SALES_CONTRACT/SALES_CONTRACT_DETAIL + +1.025 + +1.017 + +PersonalPropertyIncludedIndicator + +false + +SalesContractAmount + +240000.00 + +Provide this data point when personal property is +not itemized separately from the real property. + +Figure 16. XML Snippet-Example of Sales Contract Data when Personal Property is Not Included in Sale. + + +… + + + + + + + + + + + + +false + 240000.00 diff --git a/chunks/txt/74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990.txt b/chunks/txt/74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a3643c29ab4747f90b53aa44fed521817f23cdb --- /dev/null +++ b/chunks/txt/74ced0c3391c4922a1e3c8245ce99db8e1d4c3b7198d5c46140c2dc73b11e990.txt @@ -0,0 +1,97 @@ +ABC Mortgage + +88888 Idle Dr + +Somewhere + +91300 + +MI + +Lender + +Client + +Imperial AMC + +456 Dorothy St + +Anywhere + +23410 + +IA + +AppraisalManagementCompanyFee + +0 + +2021-06-01 + +2381 + +CA + +ManagementCompany + +Bill + +Smith + +123 Main St + +Nowhere + +90021 + +CA + +Spartacus Appraisals + +SeniorResidentialAppraiser + +CertifiedResidential + +2021-09-01 + +319721784 + +CA + +Appraiser + +AppraisalFee + +0 + +James + +Borrower + +Borrower + +PropertyOwner + +Lauren + +Lightfoot + +Borrower + +PropertyOwner + +Valuation + +2019-09-08 + +\\Condo1_Appraisal_v1.3.pdf + +application/pdf + +1 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8.txt b/chunks/txt/74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8.txt new file mode 100644 index 0000000000000000000000000000000000000000..76f88eabf2e63db8e2452914686108780e2f6aa1 --- /dev/null +++ b/chunks/txt/74d1b3284852531c52fea584df87a31461e9c6f2bf871073ea4dde41c9c8eef8.txt @@ -0,0 +1,108 @@ +Energy Efficient and Green Features Exhibits + +RESNET Score + +DOE Score + +This is where the image of the Home Energy Score would display. + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201 + +Uniform Residential Appraisal Report + +Page 6 of 23 + +Sketch + +Measurement Standard + +ANSI + +Sketch + +Sketch does not represent actual dimensions of pictures, used for example only. + +Dwelling Exterior + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +1 +Colonial +1-2 Ft. +1979 +Site Built +None + +This is where the Dwelling Front photo would display. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 7 of 23 + +Dwelling Exterior (continued) + +Quality and Condition + +Exterior Quality Rating + +Q4 + +Exterior Condition Rating + +C3 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Detail +Aluminum + +Quality Comment +Quality meets market +expectations for this type of +dwelling. + +Condition Status +Typical Wear and Tear + +Foundation + +Poured Concrete | Basement + +Typical Wear and Tear + +Roof + +Windows + +Composition +Estimated Age: +1-10 years + +Thermal Double Hung and +some Casement Windows + +25 year rated shingles + +Typical Wear and Tear + +Brand Y Windows + +New or Like New + +Condition Comment +Recently painted with no +damage or condition issues +noted diff --git a/chunks/txt/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.txt b/chunks/txt/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.txt new file mode 100644 index 0000000000000000000000000000000000000000..bfb678239c3b0ba77808b8ac604f2c91a9c6d6bb --- /dev/null +++ b/chunks/txt/74d7e85147bd00dabc24788ea05fb5520cd98aa36d2c6524959893e89f14027c.txt @@ -0,0 +1,5 @@ +Mechanical System Details ....................................................................................................................................................................................................... 164 + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier]) ............................................................................................................ 165 + +Dwelling Exterior Commentary ................................................................................................................................................................................................ 166 diff --git a/chunks/txt/74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7.txt b/chunks/txt/74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0b24db66c9ca6d46e09303ef869278440e5b2c5 --- /dev/null +++ b/chunks/txt/74de7d0e26ea663afab196cf766aef8d19539519150169c7793f840fe4bb3ef7.txt @@ -0,0 +1,87 @@ +Summaries of Transactions +BORROWER’S TRANSACTION + +12.0 L. Paid Already by or on Behalf of Borrower at Closing +0412.4 Second Loan (Principal Balance $10,000) + +0512.5 Seller Credit + +12.0.1 + +12.4.1 + +12.5.1 + +$227,000.00 + +$2,000.00 + +$2,500.00 + +Appendix E: UCD Implementation Guide + +Page 174 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +Figure 101. Borrower Funds from Second Loan + +Any adjustment made with borrower funds obtained from a related transaction--for example, proceeds from a +subordinate lien--are disclosed as 12.4 using the value of ClosingAdjustmentItemType to identify the line item, +as shown in Table 117 . Disclosable line items not paid from closing funds that are not included in the +determination of cash to/from the borrower are identified as ‘‘paid outside of closing’’ or ‘‘P.O.C.’’ along with a +designation of the party making the payment (borrower, seller, loan originator, real estate agent, or any other +person). The value of ClosingAdjustmentItemPaidOutsideOfClosingIndicator = “true” indicates this situation. +The name of the paying party is provided in FullName under CLOSING_ADJUSTMENT_ ITEM_PAID_BY. + +Table 117. Borrower Funds from Second Loan + +ID + +Form Field +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +12.4.1 Second Loan $ …/CLOSING_ADJ +USTMENT_ITEM +/CLOSING_ADJU +STMENT_ITEM_ +DETAIL + +12.4 N/A + +ClosingAdjustmentItemA +mount + +2000.00 + +ClosingAdjustmentItemP +aidOutsideOfClosingIndi +cator + +false + +Second Loan + +12.4 + +12.4 N/A + +ClosingAdjustmentItemT +ype + +ProceedsOfSubordinateL +iens diff --git a/chunks/txt/74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea.txt b/chunks/txt/74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea.txt new file mode 100644 index 0000000000000000000000000000000000000000..28d66301d226e76344be317cc15762e15b57bb76 --- /dev/null +++ b/chunks/txt/74f86c6cdbc8ee9024701ba86798a65e3dfaee25a2731efdf4685835864cdfea.txt @@ -0,0 +1,31 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 94 of 166 + +UAD 3.6 Policy + +SB4-1.3-07, Sales Comparison Approach Section of the Uniform Residential +Appraisal Report (06/04/2025) + +Introduction + +This topic contains information on reviewing the Sales Comparison Approach section of the Uniform Residential Appraisal Report, +including: + +• Overview +• Data and Verification Sources of Comparable Sales +• Prior Sale and Transfer History of the Subject and Comparable Sales + +Overview + +The sales comparison approach to value is an analysis of comparable sales, contract sales, and listings of properties that are the +most comparable to the subject property. + +The appraiser’s analysis of a property must take into consideration all factors that have an effect on value. The appraiser must +analyze all closed sales, contract sales, and offerings or listings of properties that are the most comparable to the subject +property in order to identify any significant differences or elements of comparison that could affect their opinion of value for the +subject property as of the effective date of the appraisal report. This is particularly important in changing (increasing or declining +values) markets. Analyzing closed sales, contract sales, and offerings or listings is an important analysis in any market and will +result in more accurate reporting on market conditions, including trends that indicate that sale prices for contract sales and +asking prices for recent offerings or listings have changed. (See SB4-1.3-03, Market Section of the Uniform Residential Appraisal +Report, for information regarding market competition and housing trends.) diff --git a/chunks/txt/74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8.txt b/chunks/txt/74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..01c8f1a0a8741e743d9c61aea564a6dc11dce483 --- /dev/null +++ b/chunks/txt/74fd274cb7bd5391dfc4f1a6d67e0bc9a38aa4bceb1c2aa3e191d8a99ac9e3c8.txt @@ -0,0 +1,52 @@ +3. Multifamily Data Field 21: Purpose of +Loan + +This data field designates the purpose + +of the mortgage acquired by the +Enterprise (e.g., purchase, refinancing, +rehabilitation). For the reasons +discussed above for single-family data +field 22, FHFA has changed the +‘‘rehabilitation’’ loan purpose code in +this data field in the multifamily matrix +to ‘‘home improvement/rehabilitation’’ +loan. To conform to HMDA reporting +requirements, FHFA has also added + +codes in this data field in the +multifamily Census Tract File to reflect +HMDA’s additional purpose of loan +codes (see the expanded codes in the +multifamily matrix in the Appendix), +while recoding non-HMDA values as +‘‘not applicable/not available/other’’ for +the multifamily Census Tract File. +Fannie Mae commented that + +multifamily loan purpose currently is +collected through one of four +acquisition systems, depending on the +transaction structure (e.g., acquisition, +refinance, equity, and conversion). +Fannie Mae indicated that when it +delivers this information to FHFA, it +identifies the loan purpose as purchase, +refinance, new construction, +rehabilitation or not applicable/not +available based on the loan purpose +provided by the seller, special feature +codes, and other information. Fannie +Mae stated that this process of reporting +the multifamily ‘‘purpose of loan’’ data +might cause some confusion for users +trying to align the HMDA data with the +PUDB data. Accordingly, users of the +PUDB and HMDA data should be aware +of the potential reporting discrepancy in +the purpose of loan data field in these +two databases. + +4. Single-family Data Field 27 and +Multifamily Data Field 34: Federal +Guarantee diff --git a/chunks/txt/74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa.txt b/chunks/txt/74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..cca754a017d4f142fa1f4fc577f5271d21c79075 --- /dev/null +++ b/chunks/txt/74ff2622cab3069d144f47fc554e8aea706cb7690a0f7d70f316e2d917bfe8aa.txt @@ -0,0 +1,45 @@ +• pay off the outstanding principal balance of an existing subordinate mortgage or lien secured by the manufactured + +home and/or land, but only if it was used to purchase the manufactured home and/or land; + +• + +finance costs of construction; + +• + +finance closing costs (including prepaid expenses); and + +• provide cash back to the borrower in an amount not to exceed the lesser of 2% of the balance of the new refinance + +mortgage or $2,000. + +Cash-Out Refinance Transactions + +A cash-out refinance: + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 156 of 166 + +UAD 3.6 Policy +• + +involves the payoff of an existing first lien mortgage secured by the manufactured home and land (or existing liens if +the home and land were encumbered by separate first liens); or + +• enables the property owner to obtain a mortgage on a property that does not already have a mortgage lien against it, +and permits the borrower to take equity out of the property in the form of mortgage proceeds that may be used for +any purpose. + +To be eligible for a cash-out refinance, the property must be a one-unit multi-section manufactured home (single-section +manufactured homes are not permitted). The borrower must have owned both the manufactured home and land for at least +12 months preceding the date of the loan application. The LTV, CLTV, and HCLTV ratios will be based on the current appraised +value of the manufactured home and land. + +New Construction of a Manufactured Home + +When the mortgage loan funds the construction of a new manufactured home, construction must be complete when the loan +is purchased (or securitized) by Fannie Mae. As a reminder, if construction is completed after the first payment date of the +subject loan, the loan may be subject to the property value requirements (loans more than four months old at time of +purchase) or seasoned loan requirements in B2-1.5-02, Loan Eligibility. diff --git a/chunks/txt/7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea.txt b/chunks/txt/7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..75daae199c55fa42440dff70df78c785c075d165 --- /dev/null +++ b/chunks/txt/7501217c9fd2c457635bc5e15eb9813b6c1c9ac3a3187fd45c9100539a4092ea.txt @@ -0,0 +1,131 @@ +DwellingFront + +\\Images\2-4_Dwelling2Front.png + +image/png + +Hazard Zone - USGS Lava Flow Zone + +SiteExhibit + +\\Images\2-4_USGSLavaFlowMap.png + +image/png + +DwellingRear + +\\Images\2-4_Dwelling1Rear.png + +image/png + +DwellingRear + +\\Images\2-4_Dwelling2Rear.png + +image/png + +[Photo Caption Displays Here] + +SupplementalExhibit + +\\Images\2-4_Supplemental.png + +image/png + +2019-10-05 + +Physical + +Physical + +NoInspection + +NoInspection + +0 + +true + +0 + +160000 + +Pending + +ForSaleByOwner + +25.165173 + +-51.328125 + +The 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. + +12 + +Closing 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. + +7 + +739000 + +234900 + +148 + +352000 + +ActiveListings + +1 + +PendingSales + +10 + +620000 + +200500 + +403230 + +TotalSales + +ThreeToSixMonths + +InBalance + +false + +An 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. + +Hawaiian Vista + +Lot 4, Block 35, Hawaiian Vista + +11997 + +LandWithDwelling + +AssessorUnformattedIdentifier + +3-1-5-067-055 + +2 + +OutdoorShower + +WaterFeatures + +Roof + +false + +Rust noted on the roof. Metal galvanized roofs can deteriorate when rust forms. No ruptures or leaks noted at the time of inspection. + +Other + +Entire Roof + +None + +\\Images\2-4_Dwelling1RoofDefect.png diff --git a/chunks/txt/75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6.txt b/chunks/txt/75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc88e4b53c3f49e0744e176c9da0a636bea6cce4 --- /dev/null +++ b/chunks/txt/75172651a46c01021e5ef583955e6e2a0ff6dea1ccafb1c55f229d7e9a04e6e6.txt @@ -0,0 +1,161 @@ +true + +FullName + +Beta Card, Inc. + +Not shown + +25.1 Beta Card, Inc. to +pay down credit +card balance + +.../LIABILITY_HOLDER +/NAME + +Appendix E: UCD Implementation Guide + +Page 238 of 254 + +Version 1.4 + +Uniform Closing Dataset + +25.0 Payoffs and Payments - UPDATED + +ID + +Form Field Name + +25.1.1 Beta Card, Inc. to +pay down credit +card balance +($) + +25.1.1 Principal + +25.1 + +Reduction to +Michael Jones ($) +Principal +Reduction to +Michael Jones + +25.1 N/A + +25.1 N/A + +25.1 Principal + +Reduction to +Michael Jones + +25.1.1 Grant from +Community +Lending Program +paid to Ficus Bank +($) + +25.1 + +Grant from +Community +Lending Program +paid to Ficus Bank + +25.1 N/A + +Table 157. Payoffs and Payments Table + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +.../PAYOFF + +PayoffAmount + +5000.00 + +ROF as “$5,000.00” + +LIABILITY end +First instance of CLOSING_ADJUSTMENT_ITEM + +.../CLOSING_ADJUST +MENT_ITEM_DETAIL + +ClosingAdjustmentIt +emAmount + +2057.00 + +ROF as “$2,057.00” + +ClosingAdjustmentIt +emType + +Other + +ROF as “Principal +Reduction” + +ClosingAdjustmentIt +emTypeOtherDescri +ption + +@gse:DisplayLabelT +ext + +ClosingAdjustmentIt +emPaidOutsideOfCl +osingIndicator +IntegratedDisclosur +eSectionType + +PrincipalReduction + +Principal Reduction + +false + +Not shown unless +“true” + +PayoffsAndPayments + +Not Shown + +FullName + +Ficus Bank + +Not Shown + +gse:FullName + +Michael Jones + +ROF as “to Michael +Jones” + +…/CLOSING_ADJUST +MENT_ITEM/CLOSIN +G_ADJUSTMENT_ITE +M_PAID_BY/LEGAL_E +NTITY/LEGAL_ENTITY +_DETAIL +…/EXTENSION/OTHER +/gse:CLOSING_ADJUS +TMENT_ITEM_PAID_T +O/gse:INDIVIDUAL/gs +e:NAME + +Second instance of CLOSING_ADJUSTMENT_ITEM diff --git a/chunks/txt/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.txt b/chunks/txt/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.txt new file mode 100644 index 0000000000000000000000000000000000000000..850e4fca534a9bb6b9b173ef9e8dbbdb25178b99 --- /dev/null +++ b/chunks/txt/75174a19990c788fb2439a87820bc6e384d2e66038e0e6f6122282ea83393540.txt @@ -0,0 +1,3 @@ +Ownership Rights ..................................................................................................................................................................................................................... 110 + +Legal Description ...................................................................................................................................................................................................................... 111 diff --git a/chunks/txt/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.txt b/chunks/txt/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.txt new file mode 100644 index 0000000000000000000000000000000000000000..49c03d64d9923612972d714475291727fcf30bea --- /dev/null +++ b/chunks/txt/751fe1f7e39cff10f42ab61c00c74113ab7c6febccf9f5afca38bd8e354baff3.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +![Rows of townhomes](/sites/default/files/styles/desktop_hero/public/2025-10/row-of-townhomes-hero-banner.jpg.webp?itok=CLTNat1D) + +Program + +# Affordable Housing & Community Investment + +## Breadcrumb + +- [Home](/) + - [Programs](/programs) + - Affordable Housing & Community Investment diff --git a/chunks/txt/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.txt b/chunks/txt/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.txt new file mode 100644 index 0000000000000000000000000000000000000000..bb32d1abe14f768946d1838abcae2da08098da7a --- /dev/null +++ b/chunks/txt/7521d6d631d1bc630edfc7d4b441108b95acbdbef61df99b343db169a9ee148f.txt @@ -0,0 +1 @@ +[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) diff --git a/chunks/txt/752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e.txt b/chunks/txt/752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..92d00ea74c9622b3157ddc315e558ed4f1a18ad3 --- /dev/null +++ b/chunks/txt/752ff3045210c8f43171d04017f23b6b6d148b46616dafcbb4031ecba3849a2e.txt @@ -0,0 +1,229 @@ +PhysicalMeasurement + +RealEstateAgent + +MLS + +AssessorRecord + +ExteriorInspection + +123456 + +MLS + +33A245 + +MLS + +678A12 + +MLS + +MLS + +123 Falling Tree Ct + +Treeville + +Arboreal + +12345 + +VA + +Driveway + +Asphalt + +2 + +false + +\\Images\SF1_Garage.png + +image/png + +460 + +BuiltIn + +Garage + +2 + +\\Images\SF1_Garage.png + +image/png + +Walk Out + +Below Grade Exterior Access + +SalesComparableAdditionalAdjustableComparisonItem + +None + +true + +false + +false + +Neutral + +HERS + +RESNET + +62 + +None + +None + +34 + +Monthly + +AssociationDues + +None + +AssociationSpecialAssessment + +None + +false + +true + +true + +Dwelling + +false + +2004 + +false + +Shower + +The shower has been modified. + +Carpet + +Original carpet, stained in one corner in the Dining Room. + +DamagedAndFunctional + +Throughout all bedrooms and living areas. + +CeramicTile + +TypicalWearAndTear + +All baths. + +EngineeredWood + +TypicalWearAndTear + +Throughout finished below grade area. + +Hardwood + +TypicalWearAndTear + +Kitchen and Hallways. + +Flooring + +NotUpdated + +TypicalWearAndTear + +Cathedral ceiling in bedroom, 2 story family room, coffered ceiling in media room. 9 foot ceiling in 1st level. + +WallsAndCeiling + +EightFeet + +NineFeet + +TenFeetAndAbove + +TwoOrMoreStories + +Cathedral + +Coffered + +Flat + +InteriorAndExteriorAccess + +WalkOut + +PartiallyBelowGrade + +1300 + +BelowGradeOne + +230 + +AboveGrade + +1470 + +LevelOne + +0 + +AboveGrade + +1532 + +LevelTwo + +0 + +0 + +230 + +0 + +0 + +3002 + +1300 + +false + +5 + +3 + +1 + +C4 + +Q4 + +3 + +ModeratelyUpdated + +Similar + +true + +OwnerOccupied + +The below grade area has a custom finished wet bar including wood cabinets and countertops. Media room has custom cabinetry for speakers and media devices. + +\\Images\SF1_HalfBath.png diff --git a/chunks/txt/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.txt b/chunks/txt/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf35318a37bc0f876920c453af19ce5d55e4dcae --- /dev/null +++ b/chunks/txt/753b9e155fa16e9329bded7c3951f0f2813de12bdecce9ff8d71ba195b1d39bc.txt @@ -0,0 +1,96 @@ +The appraiser must fully consider any apparent environmental conditions that impact the value and +marketability of the property. Environmental conditions may be onsite or offsite, may not be visible on or from +the property, or may even be located some distance away. + +There is one Apparent Environmental Condition row in the Site Influence table for each Apparent Environmental +Condition. If there are no environmental conditions, this row does not display. + +Site: Site Influence - Apparent Environmental Conditions + +Report +Field ID + +Report Label + +When to Include + +4.027 + +Detail + +Always required + +Allowable +Answers / Format + +Choose one or +more allowable +answers from +table (Apparent +Environmental +Condition) + +Definition / Additional Guidance + +Apparent Environmental Condition: A type of environmental condition +identified during the analysis of a lot or structure. +• +• +• +• +• +• +• +• +• +• Water Contamination +• +Other (Describe) + +None +Hazardous Above Ground Storage Tank +Hazardous Substances +Landfill +Radon +Slush Pit +Soil Contamination +Superfund Site +Underground Storage Tank + +4.026 + +Proximity + +Required for each +identified Apparent +Environmental +Condition + +Choose an +allowable answer +from table +(Proximity) + +Proximity of the environmental condition to the property. +• +• +• + +Bordering +Offsite +Onsite + +4.026 + +Proximity + +Required if Proximity is +Bordering or Offsite + +Number of feet, +meters, miles or +kilometers + +Distance from Property: The approximate distance from the property to the +environmental condition, as measured from the closest point of the apparent +environmental condition to the subject property line. diff --git a/chunks/txt/7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28.txt b/chunks/txt/7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28.txt new file mode 100644 index 0000000000000000000000000000000000000000..7ad4a84e5c7f0241c55b33014308820e006361c7 --- /dev/null +++ b/chunks/txt/7549f4634aa21190f81bacf18d712a98cf2cb23a6abf463f37bdfde77cd26c28.txt @@ -0,0 +1,269 @@ +Engineered Wood + +Q5 + +Q5 + +Q5 + +Wood + +Q4 + +Engineered Wood + +Building 1 + +Building 1 + +Building 1 + +Building 1 + +Post and Pier + +Post and Pier + +Post and Pier + +Metal + +C4 + +Metal + +C4 + +Metal + +C4 + +Slab + +Metal + +C4 + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +New or Like New + +New or Like New + +Typical Wear and Tear + +Typical Wear and Tear + +Building 2 + +Building 2 + +Building 2 + +— + +Exterior Walls and Trim + +Engineered Wood + +Engineered Wood + +Q5 + +Q4 + +Post and Pier + +Metal + +C4 + +Slab + +Metal + +C4 + +Q5 + +Wood + +Post and Pier + +Metal + +C4 + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +New or Like New + +New or Like New + +Typical Wear and Tear + +Foundation + +Roof + +Condition + +Roof + +Windows + +Interior Quality and Condition + +— + +— + +— + +— + +— + +— + +— + +Structure ID | Unit ID + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Quality + +Kitchen + +Overall Bathrooms + +Walls and Ceiling + +Condition + +Kitchen + +Overall Bathrooms + +Overall Flooring + +Q5 + +Basic + +Basic + +Standard + +C4 + +Not Updated + +Q5 + +Basic + +Basic + +Standard + +C4 + +Not Updated + +Moderately Updated + +Moderately Updated + +Fully Updated + +Fully Updated + +Q5 + +Basic + +Basic + +Q4 + +Standard + +Standard + +Standard + +Standard Dry Wall | Vaulted + +C4 + +Not Updated + +Not Updated + +Fully Updated + +C4 + +Not Updated + +Not Updated + +Not Updated + +Structure ID | Unit ID + +Building 2 | Unit 2 + +Building 2 | Unit 2 + +Building 2 | Unit 2 + +Building 1 | Unit 2 + +Quality + +Kitchen + +Overall Bathrooms + +Walls and Ceiling + +Condition + +Kitchen + +Overall Bathrooms + +Overall Flooring + +Q5 + +Standard + +Basic + +Standard + +C4 + +Q4 + +Standard diff --git a/chunks/txt/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.txt b/chunks/txt/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.txt new file mode 100644 index 0000000000000000000000000000000000000000..83785bae0d92c6f922e77b7c88c732c06e073194 --- /dev/null +++ b/chunks/txt/754d5f64cf5ccc6f837c78f84b984e92191c0eead95c8e4e0a4a926200490362.txt @@ -0,0 +1,59 @@ +Fannie Mae Confidential and Proprietary + +© 2021 Fannie Mae 2.24.21 Page 3 of 4 + +Retired DU Validation Service Messages + +The following messages will be retired in this release. + +Message +Identifier + +2847 + +2953 + +Message Text + +Impact + +Information on the borrower(s) accounts was not received from the following vendor(s). Confirm +that the Report ID and borrower Social Security Number entered on the online loan application +match those on the vendor report. + +Duplicate message + +Replaced with +existing message 3303 + +Borrower | Vendor | Report ID + +A large deposit of $%a has been identified on the %a account of %a using asset account +information. This amount has been included in the total amount of assets validated. Document +that these funds are from an acceptable source. Refer to the Fannie Mae Selling Guide for +additional information. + +Replaced with new +message 3523 + +3209 + +This loan casefile received an asset report that was not used for the following reason(s). + +Duplicate message + +Borrower | Vendor | Reference # | Reason + +Replaced with +existing message 3301 + +Release Support + +The DU validation service changes will be implemented in the DU integration environment on or about March 18. Integration +partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation. + +If you have questions about the Integration Impact Memo or if you require support specific to this release, contact Integration +Support. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae +representative. + +Fannie Mae Confidential and Proprietary diff --git a/chunks/txt/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.txt b/chunks/txt/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.txt new file mode 100644 index 0000000000000000000000000000000000000000..3cfd36490840bba875a61534268ad60fd5c0f101 --- /dev/null +++ b/chunks/txt/75814adca2b8775832b45c51859277661e7322f14b0268f3990c9a16719afc41.txt @@ -0,0 +1,130 @@ +8.012 + +Converted Area + +0300.0079 + +ConvertedAreaExistsIndicator + +… AND ConvertedAreaExistsIndicator = "false", display “None” + +8.013 + +Converted Area and +Similarity to Rest of Living +Area + +0300.0077 + +ConvertedAreaOriginalUseType + +0300.0076 + +ConvertedAreaFinishComparisonType + +… AND ConvertedAreaExistsIndicator = "true", display +ConvertedAreaOriginalUseType and ConvertedAreaFinishComparisonType in +the same cell separated by “|” + +− If multiple converted areas, display each ConvertedAreaOriginalUseType | +ConvertedAreaFinishComparisonType on a separate line. (Figure 8 - 2) + +8.014 + +Factory Built Certification + +0300.0074 + +FactoryBuiltCertificationExaminedIndicator + +… AND ConstructionMethodType = "Modular" + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Display when ImprovementType = "Dwelling” AND… + +8.015 + +Structure Volume + +0300.0073 + +StructureVolumeMeasure + +… AND Exists + +Dwelling Exterior: General Information + +8.016 + +Window Surface Area + +0300.0071 + +WindowSurfaceAreaMeasure + +… AND ImprovementComponentType = "Windows" AND Exists + +Page 157 + +0300.0058 + +AtticExistsIndicator + +8.017 + +Attic + +0300.0107 + +AccessibleForObservationIndicator + +0300.0108 + +VisualObservationCompletedIndicator + +8.018 + +Remaining Economic Life + +0300.0041 + +EstimatedRemainingEconomicLifeYearsCount + +8.019 + +Effective Age + +0300.0039 + +EffectiveAgeYearsCount + +0300.0038 +0300.0037 + +EffectiveAgeRangeLowYearsCount +EffectiveAgeRangeHighYearsCount + +8.020 + +Commentary on +Remaining Economic Life + +0300.0040 + +EstimatedRemainingEconomicLifeDescription + +Display “Attic” when ImprovementType = "Dwelling" AND +GovernmentAgencyAppraisalIndicator = "true" AND +StructuralDesignType <> "Lowrise" OR "Midrise" OR "Highrise" diff --git a/chunks/txt/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.txt b/chunks/txt/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.txt new file mode 100644 index 0000000000000000000000000000000000000000..72f3823701e08123aa0fa35f1cdffb98f3593460 --- /dev/null +++ b/chunks/txt/758ebcc5991664e1e025355425174babefd62c240544579bc216e5a64aac9096.txt @@ -0,0 +1,29 @@ +22. How should Positive Rental History be reflected for an FHA loan in the loan application + +submission file? + +The Total Scorecard payload will expect to receive an indicator (Y or N), where a value of “true” in the +loan application file indicates at least one borrower has a documented positive rental history, according to +the FHA guidelines. A value of “false” in the loan application file indicates the lender has not +documented a borrower’s positive rental history and does not necessarily indicate a poor rental history. + +The GSEs created an extension under the existing QUALIFICATION container. The extension is a new +container and data point both documented under the ULAD Namespace. The new data point will be an +indicator named PositiveRentalHistoryIndicator. +The Extension is located under the Subject Loan, and only one value is expected per loan. + +28 + +23. A borrower has an investment property which is currently vacant. They are refinancing the + +property and need to show the P&I amount as negative income because there is no rent coming +in. What fields from the DU Spec should be used to ensure the proper calculation of the Debtto- +Income (DTI) ratio, the current P&I amount, or the proposed P&I amount in this scenario? + +In this scenario, DU is expecting the P&I that is proposed under the new loan terms. In the XML, the +present housing payment amount would be shown in either a LIABILITY_DETAIL container with +LiabilityType=“MortgageLoan” or “HELOC” or in the LANDLORD_DETAIL container under +MonthlyRentAmount. + +The proposed housing expenses would be in the file as shown below in the HOUSING_EXPENSE +container: diff --git a/chunks/txt/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.txt b/chunks/txt/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.txt new file mode 100644 index 0000000000000000000000000000000000000000..432e2bccd9f2e435d39d24ec900f287e64d71a93 --- /dev/null +++ b/chunks/txt/75913df27d2e6269a8460a9f78096fd47f87f67f9100baf032878a8b71347c85.txt @@ -0,0 +1,10 @@ + The borrower’s Social Security Number on the loan application does not match the Social Security Number on the Tax + +Transcript. + +For more information + +For more information about these Release Notes, lenders may contact their Fannie Mae Customer Management Solutions Team, +and mortgage brokers should contact their DO sponsoring wholesale lender. + +© 2020 Fannie Mae 10.1.20 Page 1 of 1 diff --git a/chunks/txt/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.txt b/chunks/txt/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.txt new file mode 100644 index 0000000000000000000000000000000000000000..5dcca5c5e2bb71098ddf36f84b99830bb9f25f0e --- /dev/null +++ b/chunks/txt/7591a18f9f2c939f51123511247da4ecbb249b6fcf338a633c8c73a191746da0.txt @@ -0,0 +1,40 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 35 of 166 + +UAD 3.6 Policy + +Rental Income from an ADU on the Subject Property + +Rental income from an existing ADU can be used in qualifying with the following conditions: + +• one-unit principal residence only, + +• + +rental income from only one ADU allowed, + +• purchase or limited cash-out refinance transactions, and + +• qualifying rental income amount from the ADU is limited to 30% of the total qualifying income. + +All other documentation and requirements contained in this topic apply. + +General Requirements for Documenting Rental Income (Subject and Non-Subject Property) + +If a borrower has a history of renting the subject or another property, generally the rental income will be reported on IRS Form +1040, Schedule E of the borrower’s personal tax returns or on Rental Real Estate Income and Expenses of a Partnership or an S +Corporation form (IRS Form 8825) of a business tax return. If the borrower does not have a history of renting the property or if, in +certain cases, the tax returns do not accurately reflect the ongoing income and expenses of the property, the lender may be +justified in using a fully executed current lease agreement. Examples of scenarios that justify the use of a lease agreement are + +• purchase transactions where there is an existing lease on the property that will transfer to the borrower; +• + +refinance transactions where the borrower purchased the rental property during or subsequent to the last tax return +filing; +refinance transactions for a property that experienced significant rental interruptions causing income to not be reported +on the most recent tax return (for example, major renovation to a property occurred in the prior year that affected rental +income); and +transactions where rental income is being used to qualify for any property placed in service in the current calendar year, +for example, when converting a principal residence to an investment property. diff --git a/chunks/txt/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.txt b/chunks/txt/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..34b952cc513f8292463be1cc544a0c7336fdee53 --- /dev/null +++ b/chunks/txt/759899d161de326e76d62c571e1a8687a494983d5fac885d2c77aa60975525ac.txt @@ -0,0 +1,111 @@ +A privately owned docking point for boats or other watercraft. For use when the boat slip is a separate parcel. + +An area specifically designed for vehicle storage. For use when the parking is a separate parcel. + +A room or area designed to secure personal belongings. For use when the storage is a separate parcel. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 56 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Zoning + +04 Site + +Report +Field ID + +Report Label + +When to Include + +4.008 + +Compliance + +Always required + +4.009 + +Classification +Code + +4.010 + +Classification +Code +Description + +Required for all Zoning +Compliance responses +except No Zoning + +Required for all Zoning +Compliance responses +except No Zoning + +4.011 + +Reasons Illegal + +Required if Zoning +Compliance is Illegal + +4.012 + +Impact + +4.013 + +Rebuildable to +Current Density +/ Use + +Required if Zoning +Compliance is not +Legal + +Required for FHA, +USDA, and VA +appraisals when +Zoning Compliance is +Legal Nonconforming + +Site: Zoning + +Allowable +Answers / Format + +Choose an +allowable answer +from Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Zoning Compliance: The level of compliance of the site or improvements with +zoning regulations. +• +Illegal +• +Legal +• +Legal Nonconforming (A permissible exception to current zoning +ordinances where the property was legally conforming when established +but no longer conforms with current zoning) +No Zoning (see also Property Restrictions (4.050-4.053), if applicable) + +• + +Free-form + +Zoning Classification Code as defined by the local governing authority (e.g., R1). diff --git a/chunks/txt/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.txt b/chunks/txt/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.txt new file mode 100644 index 0000000000000000000000000000000000000000..da420a3e28ec0d885cc21820920da89a5fc68d7e --- /dev/null +++ b/chunks/txt/75a67dc4c72722fd94a403d180757e6ae512a6277af5b9ba6553f688afebd88c.txt @@ -0,0 +1,31 @@ +6. Rate_Or_Payment_Change_Occurrences / +Rate_Or_Payment_Change_Occurrence +Unlike all the containers ending in “Rule” discussed above, the data in this container is +not known at time of closing. Instead, the data points in the container capture the +status or results of the execution of the rules. Because the execution of the rules +occurs after the loan has closed, the RATE_OR_PAYMENT_CHANGE_OCCURRENCE +container is communicated in the “Current” LOAN container. + +a. Convertible Loans: For convertible mortgages, the +RATE_OR_PAYMENT_CHANGE_OCCURRENCE container communicates data about the +execution of the conversion option including the status of the conversion option, the +last date the conversion option was exercised, and the next date the conversion option +can be exercised. + +b. Adjustable Rate Loans: For ARMs, the +RATE_OR_PAYMENT_CHANGE_OCCURRENCE container communicates data about the +execution of the specified AdjustmentRuleType, including values of index, interest +rate, and the adjustment on the adjustment date, and the next rate adjustment date. + +c. Adjustable Payment Loans: For loans with adjustable payments, the +RATE_OR_PAYMENT_CHANGE_OCCURRENCE container communicates data about the +execution of the specified AdjustmentRuleType, including values of the payment, next +payment change date, and payment cap dates. + +d. Balloon Loans: For balloon loans that have exercised the reset option, the +RATE_OR_PAYMENT_CHANGE_OCCURRENCE container must contain the +BalloonResetDate. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide diff --git a/chunks/txt/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.txt b/chunks/txt/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6e1b765c0a579de0155fcd290d0a2d043d4bf7d --- /dev/null +++ b/chunks/txt/75aadd9ed9000a63332704188de1dc306d34f08664216c6c50cd89f1f2451c8b.txt @@ -0,0 +1,40 @@ +775000 + +false + +false + +false + +false + +true + +true + +false + +false + +Purchase + +SubjectProperty + +Tax Map ID: 2002-16-926997/A018821 + +Market + +Sales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on Market for the settled sales were predominately in the 80 - 100 days range. Days on Market of current listings is trending higher than recent sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3 - 4 sales per month with a 4 - 5-month supply. +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 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. + +SiteViews + +Pastoral with distant mountain view. + +EnergyEfficientAndGreenFeatures + +The Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion of market value for the subject. The subject and comparable sales #1 - #3 have all undergone recent updates and remodels using more recent energy efficient components and methods than when they were originally constructed. Analysis of the data available indicates there is no measurable impact on market value. + +SalesContract + +Sales contract is a reasonable and a typical arm's length sale. A fully executed copy of the contract was provided by the lender and anlayzed by the appraiser. diff --git a/chunks/txt/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.txt b/chunks/txt/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.txt new file mode 100644 index 0000000000000000000000000000000000000000..310a328c4f36843bd7beba7ae8c4c9aa1c0c94aa --- /dev/null +++ b/chunks/txt/75ad350f59b7b20f60e7489a9a4bd0c2225f4152a0064c300aa60d4872722377.txt @@ -0,0 +1,83 @@ +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field must indicate the month and year of the event indicated by field e-29. No +intent to collect time or day in this field. If the value of field e-29 is ‘SettledSale’, then +the second instance of this field must indicate the month and year of the contract date. + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Data Format: +mm/yy + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +For settled sales, this field indicates whether or not the contract date is unknown (‘Y’ +indicates unknown, ‘N’ indicates known). + +Boolean + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +399 + +3 + +64 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time Adjustment + +Sale Price +Adjustment +Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='DateOfSale']/@_Amount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +400 + +3 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +(Overall Rating) + +GSE Overall +Location Rating +Type + +The overall rating of the location +associated with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_LOCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATIO +N_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganiza +tionName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION +_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE +OverallLocationRatingType diff --git a/chunks/txt/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.txt b/chunks/txt/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.txt new file mode 100644 index 0000000000000000000000000000000000000000..370948db589e50ed429539976149e9e77046ddaf --- /dev/null +++ b/chunks/txt/75c553c5a364f945f4718117fbcff6ec7938c496561e5af89d5fe4ea98355215.txt @@ -0,0 +1,29 @@ +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 28 of 30 +Page 28 of 30 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. diff --git a/chunks/txt/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.txt b/chunks/txt/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..c27c9d798d144d8c032100bae8b63046a6978554 --- /dev/null +++ b/chunks/txt/75e9ecd3704ace6e0d1a426fc1fd4c0d1bab05d333cdd8cccb53a893338d83c6.txt @@ -0,0 +1,51 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 112 of 166 + +UAD 3.6 Policy + +SB4-1.4-06, Community Land Trust Appraisal Requirements (06/04/2025) + +Introduction + +This topic contains information on special appraisal considerations for properties subject to a community land trust, including: + +• Appraiser Qualifications for Appraising Properties Located in a Community Land Trust +• Requirements for Community Land Trust Appraisals +• Comparable Selection Requirements for Determining Fee Simple Value +• Determining the Capitalization Rate +• Determining the Leasehold Value +• + +Leasehold Value Requested Condition Commentary + +Appraiser Qualifications for Appraising Properties Located in a Community Land Trust + +The lender must ensure that the appraiser is knowledgeable and experienced in the appraisal techniques, namely the direct +capitalization and the market derivation of capitalization rates, that are necessary to appraise a property subject to a leasehold +estate held by a community land trust. Lenders must establish policies and procedures to ensure that qualified individuals are +being selected in accordance with Fannie Mae requirements including the Appraiser Independence Requirements. + +Requirements for Community Land Trust Appraisals + +The appraisal requirements for community land trust properties are as follows: + +• + +• + +• + +The appraiser must analyze the property subject to the ground lease when a leasehold interest is held by a community +land trust. Because the community land trust typically subsidizes the sales price to the borrower, that price may be +significantly less than the market value of the leasehold interest in the property. +The appraised value of the leasehold interest in the property must be well supported and correctly developed by the +appraiser because the resale restrictions, as well as other restrictions that may be included in the ground lease, can also +affect the value of the property. Fannie Mae requires the Community Land Trust Ground Lease Rider, that the lender and +the borrower must execute, to remove such restrictions from the community land trust’s ground lease. The land records +for the subject property must include adoption of the terms and conditions that are incorporated in that ground lease +rider. The appraiser must develop the opinion of value for the leasehold interest under the hypothetical condition that +the property rights being appraised are the leasehold interest without the resale and other restrictions that the ground +lease rider removes when Fannie Mae has to dispose of a property acquired through foreclosure. (For additional +information, see Selling Guide, Section B5-5.3, Shared Equity Transactions, for legal considerations.) +The appraiser must use a three-step process to develop an opinion of value. diff --git a/chunks/txt/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.txt b/chunks/txt/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0e358b69210df5e22fb3e14130245fbe912da8c --- /dev/null +++ b/chunks/txt/75effeee24282a9994c016af682d57a9a17b07bacbe9622ed6c04e1a1993256e.txt @@ -0,0 +1,53 @@ +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 9 of 76 + +Section V. Resources + +Figure I-1. Questions Answered by This Section. + + How do I get the most out of the User Guide? + +Explanations of how to use the V3.0 Reference Model and LDD in the context of the +ULDDS include examples from ULDDS Appendix A. The examples are called out +throughout the document in rounded text boxes: + +Figure I-2. Examples of Concepts in This Section. + +Example using excerpt from Reference Model, LDD, or ULLDS Appendix A. + +Notes: Reiterates the learning point from this example. + +In some cases, an example is provided from the GSEs’ intended usage of a specific V3.0 +Reference Model component. This detailed information is highlighted with the marginal +symbol: + +IN DEPTH + +The User Guide contains the following sections: + +I. Introduction provides background on the Uniform Mortgage Data Program and its +artifacts, and introduces the purpose of this User Guide. + +II. Source of the MISMO Standard provides a brief description of the MISMO +Organization and the participants. + +III. Using the MISMO v3.0 Logical Data Dictionary describes how to use the spreadsheet- +based list of the components making up the V3.0 Reference Model. Excerpts from the +loan delivery data set are used as examples. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 10 of 76 + +Section I. Introduction + +IV. Using the MISMO V3.0 Reference Model explains how the XML-schema-based +message model is constructed, providing detailed discussions of model building blocks +and the relationships among them. In depth illustrations of more complex V3.0 Reference +Model concepts are also provided. Excerpts from the loan delivery data set are used as +examples. diff --git a/chunks/txt/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.txt b/chunks/txt/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e246a860fe760ec41557c3b068dfd37ffacf4db --- /dev/null +++ b/chunks/txt/75fc363c462a39dc624e69dfc51dfb4edae453faf222de239079c12ee1449dbf.txt @@ -0,0 +1,5 @@ +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/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) diff --git a/chunks/txt/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.txt b/chunks/txt/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa08c51a8331e38b926517cb8891a865bb740e68 --- /dev/null +++ b/chunks/txt/7620050b8e677d66f6dc2df796524742fc53d572dfd84796fcf669e2c39c17d5.txt @@ -0,0 +1,109 @@ +Yes No +Has the market value of the subject property decreased since the effective date of the original appraisal?   + +Appraisal Update Commentary + +Appraisal Update Exhibits + +Assignment Information + +Borrower Name + +Contact Information + +[Role]/[Role] + +Company Name +Company Address + +Appraiser + +Name +Designation +Company Name +Company Address + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Appraiser Fee +AMC Fee +Government Agency +Investor Requested Special Identification + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024 + +Supervisory Appraiser + +Name +Designation +Company Name +Company Address + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Significant Real Property Appraisal Assistance + +Name + +Description + +Assignment Information and Scope of Work Commentary + +Credentials + +Level +ID +State +Expires + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +Credentials + +Level +ID +State +Expires + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024 + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the +intended use, the definition of market value as defined in the Uniform Residential Appraisal Report, the effective date, the subject property +and its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate +and reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area +including data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b.txt b/chunks/txt/7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b.txt new file mode 100644 index 0000000000000000000000000000000000000000..488b0cec85d46438b76b4ee86a6fbfa01eb763fa --- /dev/null +++ b/chunks/txt/7621b3737ba925d9a8b2fac116dea91007fe831809661eb8f64977dcdf95433b.txt @@ -0,0 +1,213 @@ +Income Analysis +Comment + +Project Developer +Controls Project +Management +Indicator +Project Developer +Controls Project +Management +Indicator + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 205 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +425 + +426 + +427 + +428 + +429 + +430 + +431 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +46 + +47 + +48 + +49 + +50 + +51 + +52 + +PROJECT +INFORMATION + +PUD +Legal name of project + +Project Name + +The name of the project in which subject +property is located (e.g., the name of the +condominium or cooperative). + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name + +100 + +String + +PROJECT +INFORMATION + +PUD +Total number of phases + +Development Stage +Total Phases Count + +Number of phases that exist in the +project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S +TAGE/@_TotalPhasesCount + +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Total number of units + +Completed Units +Count + +Total number of completed living units. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S +TAGE/@CompletedUnitsCount + +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Total number of units sold + +Units Sold Count + +Total number of living units sold. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S +TAGE/@UnitsSoldCount + +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Total number of units rented + +Units Rented Count Total number of living units rented. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S +TAGE/@UnitsRentedCount diff --git a/chunks/txt/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.txt b/chunks/txt/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.txt new file mode 100644 index 0000000000000000000000000000000000000000..d2b18d99f7dc22601f311973254e0094f56dbc32 --- /dev/null +++ b/chunks/txt/7639b097498a6dfc1161c788e571b0ca3746c86c5a52d0b422e7dbc6e5748848.txt @@ -0,0 +1,101 @@ +Definition / Additional Guidance + +The type(s) of non-residential use observed on the property. +• +• + +Agricultural +Commercial (e.g., retail, day care, elder care, beauty or barber shop, +doctor’s office) +• +Industrial +• +Other (Describe) +Note: Redisplays from 4.017. + +4.045 + +4.046 + +Non-Residential +Property Use +(Impact) + +Non-Residential +Property Use +(Comment) + +Required if Non- +Residential Use is Yes + +Required if Non- +Residential Use is Yes + +Adverse, +Beneficial, or +Neutral + +Free-form + +Hazard Zone + +When Adverse or Beneficial, describe the impact to value and / or +marketability. Additional commentary may be provided to include details and +other information. + +The appraiser must report all Hazard Zones that impact the subject property in this section. Examples such as +Flood Zones and Lava Flow Zones are predefined and must be reported using the available selections. Select +Other (Describe) to identify any zones that impact the subject property that are not predefined. + +The Hazard Zone row always displays in the Site Features table. + +Report +Field ID + +4.047 + +Report Label + +When to Include + +Hazard Zone +(Detail) + +Always required + +4.047 + +Hazard Zone +(Detail) + +Required if Hazard +Zone is USGS Lava +Flow Zone + +Site: Site Features - Hazard Zone + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +USGS Lava Flow +Zone 1 to 9 + +Definition / Additional Guidance + +Hazard Zone: The geographic area, as specified by a government entity, +documenting a potential risk to the property. +• +FEMA Special Flood Hazard Area +• +USGS Lava Flow Zone +• +None (No Hazard Zone Noted) +• +Other (Describe)