Add files using upload-large-folder tool

chunks/json/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.json

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+{"chunk":{"char_end":217333,"char_start":215579,"chunk_id":"chk_001158e0cab463d1","chunk_index":207,"chunk_sha256":"24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17","token_estimate":439,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"0300.0063\n\nLivingUnitCount\n\nAlways displays\n\n8.002\n\nStructure Design\n\n0300.0032\n\nStructuralDesignType\n\n… AND AttachmentType = \"Attached\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 156\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nDisplay when ImprovementType = \"Dwelling” AND…\n\n8.003\n\nFloors in Building\n\n0300.0064\n\nStoriesCount\n\n… AND StructuralDesignType = \"Highrise\" OR \"Midrise\"\n\nDwelling Exterior: General Information\n\n8.004\n\nDwelling Style\n\n0300.0030\n\nArchitecturalDesignCategoryType\n\n… AND AttachmentType = \"Detached\"\n\n8.005\n\nFront Door Elevation\n\n0300.0117\n\nFrontDoorApproximateElevationRangeType\n\nDisplay the number followed by “Ft.”\n\n8.006\n\nTownhouse End Unit\n\n0300.0059\n\nRowhouseTownhouseEndUnitIndicator\n\n… AND when StructuralDesignType = \"RowhouseTownhouse\"\n\n8.007\n\nTownhouse Back to Back\n\n0300.0070\n\nRowhouseTownhouseBackToBackIndicator\n\n… AND when StructuralDesignType = \"RowhouseTownhouse\"\n\n8.008\n\nUnits Above or Below\n\n0300.0069\n\nRowhouseTownhouseStackedIndicator\n\n… AND when StructuralDesignType = \"RowhouseTownhouse\"\n\n8.009\n\nTownhouse Location\n\n0300.0067\n\nRowhouseTownhouseLocationType\n\n… AND when StructuralDesignType = \"RowhouseTownhouse\" AND\nRowhouseTownhouseStackedIndicator = \"true\"\n\n0300.0011\n\nPropertyStructureBuiltYear\n\nAlways displays\n\n8.010\n\nYear Built\n\n0300.0012\n\nPropertyStructureBuiltYearEstimatedIndicator\n\n8.011\n\nConstruction Method\n\n0300.0034\n\nConstructionMethodType\n\n… AND PropertyStructureBuiltYearEstimatedIndicator = “true”\nDisplay a “~” before the PropertyStructureBuiltYear\n\n… AND (AttachmentType = \"Detached\" OR StructuralDesignType =\n\"RowhouseTownhouse\" OR \"SemiDetached\" OR \"Other\")\nIf there are multiple construction methods, display as stacked on a separate\nline.\n"}

chunks/json/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.json

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+{"chunk":{"char_end":52519,"char_start":51842,"chunk_id":"chk_2dbad0262ea77a43","chunk_index":81,"chunk_sha256":"2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3","token_estimate":571,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Project Information Commentary ............................................................................................................................................................................................ 256\n\nProject Information Exhibits ..................................................................................................................................................................................................... 256\n\nProject Information – Arcrole Relationships ............................................................................................................................................................................ 257\n"}

chunks/json/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.json

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+{"chunk":{"char_end":503755,"char_start":502081,"chunk_id":"chk_9a4d8597885c34e9","chunk_index":296,"chunk_sha256":"2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field identifying the floor\nof the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@FloorIdentifie\nr\n\nLevel Count\n\nThe number of structure levels.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@LevelCount\n\nHeating Unit\nDescription\n\nA free-form text field used to describe the\nheating type (i.e. central, forced, wall, etc)\ndescription.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_UnitDes\ncription\n\nUNIT\nDESCRIPTION\n\nHeating\nFuel\n\nHeating Fuel\nDescription\n\nA free-form text field used to describe the\nfuel used by the heating unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_FuelDes\ncription\n\n249\n\n2\n\n47\n\nUNIT\nDESCRIPTION\n\nCooling\nCentral AC\n\nCooling\nCentralized\nIndicator\n\nIndicates that the structure has a central\ncooling unit indicator.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Centrali\nzedIndicator\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n150\n\n25\n\n2\n\n7\n\n7\n\n1\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nString\n\nString\n\nMust indicate the unit floor #.\n\nNumeric\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Improvements Section\nWhole numbers only. Must indicate the number of levels in the unit.\nUAD Instruction - Refer to Appendix D Improvements Section\nThis data point is structured differently on the 1004/70, because there are no heating\ncheckboxes. If no heat source, enter 'None'.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nThis field should indicate the fuel used for heating, if any. If no heating, then 'None'\nshould be indicated.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates central cooling, a value of 'N' indicates the box is not checked.\n"}

chunks/json/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.json

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+{"chunk":{"char_end":12043,"char_start":9029,"chunk_id":"chk_3389eb0951669e4a","chunk_index":5,"chunk_sha256":"242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4580f1573ff8d25b","text_sha256":"242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3","token_estimate":752,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Suspended_Counterparty_Program___FHFA_jjvnra.md"]},"text":"FHFA maintains a list at this page of each person that is currently suspended under the Suspended Counterparty Program.\n\nState - Any - Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming\n\nCounterparty\n\nItems per page 5 10 25 50 204 items\n\n[![file download icon](/themes/custom/fhfa/assets/uswds/images/usa-icons/file_download.svg)CSV](/suspended-counterparties/download/csv)\n\n[![file download icon](/themes/custom/fhfa/assets/uswds/images/usa-icons/file_download.svg)JSON](/suspended-counterparties/download/json)\n\n[First Name](?items_per_page=10&order=field_first_name&sort=asc) [Last Name](?items_per_page=10&order=field_last_name&sort=asc) [Company](?items_per_page=10&order=field_name_1&sort=asc) [City](?items_per_page=10&order=field_city&sort=asc) [State](?items_per_page=10&order=field_state&sort=asc) [Effective DateSort ascending](?items_per_page=10&order=field_start_date&sort=asc) [Suspension End Date](?items_per_page=10&order=field_end_date&sort=asc) Suspension Order Carlos M. Velez-Cruz Guaynabo Puerto Rico 12/24/2025 Indefinite [Suspension Order](/sites/default/files/2025-11/Carlos-Velez-Cruz-Final-Suspension-Order.pdf) Apex Title Agency Incorporated Haines City Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Apex-Title-Agency-Inc-Final-Suspension-Order.pdf) Dora A. Martinez Haines City Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Dora-Martinez-Final-Suspension-Order.pdf) Elena Villarini Leesburg Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Elena-Villarini-Final-Suspension-Order.pdf) Maria Del Carmen Montes Kissimmee Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Maria-Montes-Final-Suspension-Order.pdf) Carlos A. Ferrer Berdecia Davenport Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Carlos-Berdecia-Final-Suspension-Order.pdf) Aron Puretz Lakewood New Jersey 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Aron-Puretz-Final-Suspension-Order.pdf) Moshe \"Mark\" Silber Suffern New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Moshe-Silber-Final-Suspension-Order.pdf) Rhodium Capital Advisors LLC New York New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Rhodium-Capital-Advisors-LLC-Final-Suspension-Order.pdf) Fredrick Schulman Briarcliff Manor New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Fredrick-Schulman-Final-Suspension-Order.pdf)\n"}

chunks/json/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.json

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+{"chunk":{"char_end":100288,"char_start":98821,"chunk_id":"chk_77b6fbf1aca5aec4","chunk_index":59,"chunk_sha256":"2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\nVehicle Storage | Spaces\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\n\nAmenities\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\nPatio\n\n$2.10\n\n$2,500\n\n$2,600\n\n$2.25\n\n$2,700\n\n$2,600\n\n$2.00\n\n$2,500\n\n$2,550\n\n$2.48\n\n$2,600\n\n$2,650\n\n$2.14\n\n$2,550\n\n$2,600\n\n$2.25\n\n$2,700\n\n$2,600\n\n$2.00\n\n$2,500\n\n$2,550\n\n$2.48\n\n$2,600\n\n$2,650\n\nComparable Weight\n\nMost\n\nLess\n\nMost\n\nMost\n\nLess\n\nMost\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 21 of 26\nPage 21 of 26\n\nRental Information (continued)\n\nProximity to Subject\n\nFloor Number\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nSubject\nUnit C\n\n2\n\nC3\n\n2\n\n2 | 0\n\n#2\n3 Miles N\n\n2\n\nC3\n\n2\n\n2 | 0\n\nComparables\n#4\n\n#6\n\nSubject\nUnit D\n\n4.5 Miles S\n\n3.5 Miles E\n\n#2\n3 Miles N\n\nComparables\n#4\n\n#6\n\n4.5 Miles S\n\n3.5 Miles E\n\n2\n\nC4\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n2\n\nC4\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\n1,190 Sq. Ft.\n\n1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\nVehicle Storage | Spaces\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n"}

chunks/json/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.json

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+{"chunk":{"char_end":213715,"char_start":212085,"chunk_id":"chk_82203ad198b6be61","chunk_index":125,"chunk_sha256":"24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 84 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\n05 Disaster Mitigation\n\nThe Disaster Mitigation section provides information about disaster mitigation features that exist on the\nproperty. This section provides space for additional commentary and exhibits.\n\nIf the property does not have any disaster mitigation features (Mitigation Feature is None), the Disaster\nMitigation section does not display.\n\nDisaster Mitigation Feature\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n5.000 Mitigation\n\nAlways required\n\nFeature\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Mitigation\nFeature)\n\nDefinition / Additional Guidance\n\nA feature added to, or a modification made to, the property that is designed to\nprevent or reduce the impacts and risks of hazards caused by natural disasters.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nDisaster Mitigation: Mitigation Feature (Choose all that apply)\n\nNone\n\nIf there are no disaster mitigation features, select None and the Disaster Mitigation section does not display.\n\nEnclosed Soffits\n\nA soffit designed to prevent embers from making contact with the interior joints, rafters, or trusses.\n\nFire Resistant Decking\n\nDecking made of materials that are designed to avoid igniting and potentially fueling a fire.\n\nFire Resistant Exterior Walls\n\nExterior wall cladding made of materials that are designed to avoid igniting and potentially fueling a fire.\n\nFlood Vents\n\nFortified Roof\n\nAn opening in an enclosed structure intended to allow the free passage of water between the interior and exterior.\n"}

chunks/json/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.json

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+{"chunk":{"char_end":2099,"char_start":0,"chunk_id":"chk_69455acb1166bef2","chunk_index":0,"chunk_sha256":"2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50","token_estimate":525,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"2024 Archive: EarlyCheck Enhancements\nOverview of EarlyCheck Enhancements\n\nThis EarlyCheck™ Enhancements overview provides access to this year’s previous, current, and upcoming EarlyCheck updates in an easy-to-read format all in\none document.\n\nFor a complete list of the edit messages, view the EarlyCheck Edit Messages document in the Edit Messages section of the EarlyCheck page 30 days prior to\neach update. Log in credentials for EarlyCheck or Fannie Mae Connect are required to access this document.\n\nDecember 31, 2024\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nJan 29\n\nEdit Updates\n\n7.6.8\n\nNew warning edits related to Note Rate\n\nNew warning edits related to Note Rate\n\nUpdated edits for Attorney Op Letter for Title\n\nFile\nType\n\nULAD-\nMISMO 3.4\n\nULDD-\nMISMO 3.0\n\n•\n\n•\n\n•\n\nImpact\n\n3 new edits with severity Warning\n\n3 new edits with severity Warning\n\n1 edit feedback message update, 1 edit\ndeleted\n\nJan 29\n\nEarlyCheck\nMessage File\n\nN/A\n\nAccess to the EarlyCheck Edit Messages file has been\nupdated to include users with Fannie Mae Connect login\ncredentials, EarlyCheck Edit Messages.\n\nN/A\n\nFeb 7\n\nNEW\n\nEdit Updates\n\n7.6.9\n\nNew warning edits to validate ARM plan in EC matches\nARM plan in DU\n\n•\n\n1 new warning edit\n\nULAD-\nMISMO 3.4\nULDD-\nMISMO 3.0\n\n© 2025 Fannie Mae\n\nFile\nType\n\nULDD-\nMISMO 3.0\n\nImpact\n\n•\n\n2 new Fatal edits\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nMar 1\n\nNEW\n\nHomeReady\nVLIP\n\n7.6.10\n\nDescription\n\nA temporary enhancement will be applied to our\nHomeReady® product. This enhancement includes a\n$2,500 loan-level price adjustment credit for very low-\nincome purchase borrowers (VLIP) that can be used for\ndown payment and closing costs. To receive the credit,\nlenders must receive the appropriate Desktop\nUnderwriter® (DU®) Messages in DU® to deliver the\nHomeReady Special Feature Codes (SFCs) 900 and\n884. EarlyCheck will have new fatal Edits 2147 and 2148\nto enforce eligibility for delivering loans under the\ntemporary policy.\nLearn more about the HomeReady VLIP enhancements:\nLender Letter (LL-2024-01) & HomeReady (VLIP) LLPA\nCredit Job Aid\n"}

chunks/json/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.json

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+{"chunk":{"char_end":193178,"char_start":191496,"chunk_id":"chk_a0a8ed9b3118940f","chunk_index":112,"chunk_sha256":"245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Inground Pool photo would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nBuilder or\nDeveloper\n\nListing ID\n123456\n\nStart Date\n04/20/2018\n\nEnd Date\n05/16/2018\n\nDOM\n26\n\nTotal DOM 26\n\nStarting\nList Price\n$905,000\n\nCurrent or\nFinal List Price\n$895,000\n\nAnalysis of Subject Property Listing History There were no known or noted issues with the subject’s listing. Twenty six days on market\nappears to be in the typical acceptable range for the subject’s market area.\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 13 of 24\nPage 13 of 24\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$895,000\n05/16/2018\nTypically Motivated\nNo\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nA review of a fully executed sales contract was completed by this appraiser. There was no indication of atypical terms or agreements. No noted\nconcessions, gifts, or other types of assistance were indicated in the purchase contract.\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nTransfer Terms\nPre-Subdivision Sale\n"}

chunks/json/2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":87746,"char_start":86141,"chunk_id":"chk_031d21b601cd48da","chunk_index":51,"chunk_sha256":"2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Search Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n12\n43\n$725,000\n$850,000\n$950,000\n3\n\nSales in Past 24 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n18\n$675,000\n$800,000\n$925,000\nNo\nMedian Days on Market\nCowboy County MLS\n\nPrice Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be stable\nacross the year. Supply and demand are in balance and the absorption rate is in line with historical trends. Sales prices in the market have been\nincreasing.\n\nHousing Trends\n\nDemand/Supply\n\nMarket Exhibits\n\nMedian Days on Market\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThis is where the Median Days on Market graph would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nMLS\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Built in 2014 and has consistently had one owner in that time frame.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 15 of 26\n\nPrior Sale and Transfer History (continued)\n"}

chunks/json/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.json

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+{"chunk":{"char_end":1675,"char_start":0,"chunk_id":"chk_69683cc9c852ee0a","chunk_index":0,"chunk_sha256":"247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d3d9d1c5bf241b45","text_sha256":"247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/dudo-integration-impact-memo-mar-22-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nMarch Update\n\nFeb. 19, 2025\n\nDuring the weekend of March 22, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®). The new messages\nreferenced below will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the weekend of\nMarch 22, 2025; the DU validation service message parameter updates will apply to DU Version 11.1 and DU Version 12.0 loan\ncasefiles submitted or resubmitted to DU during or after the weekend of March 22, 2025.\n\nNew, Modified, and Retired DU Underwriting Findings Messages\n\nThis release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. The\nnew messages will support the expanded eligibility requirements for hybrid appraisals specified in Selling Guide Announcement\nSEL-2025-01. Please review this memo in addition to the Announcement to ensure that your integrated system(s) will be prepared\nto support this release\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require\nupdates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may\nalso require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated\nmessage changes.\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n3\n\n0\n\n0\n\nThe draft DU message file was distributed via email from Integration News (integration_news@fanniemae.com) to authorized\nsubscribers on Feb. 5, 2025.\n"}

chunks/json/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.json

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+{"chunk":{"char_end":28132,"char_start":26524,"chunk_id":"chk_6c20acd1ba8e9bf3","chunk_index":24,"chunk_sha256":"2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"PartyRoleTypeOtherDescription (UID: 2400.0366, FID: 04.049)\n\nThe AMC is not the\nclient\n\n− PartyRoleType (FID: 2400.0365, UID: 04.049) =\n\n“ManagementCompany”\n\nIn this example, credentials (licensing information) are reported for the AMC. (Figure 4 - 2)\n\nFigure 4 - 2\n\nHow to Display\nSubheading\n(04.048 /04.049)\nClient/Appraisal\nManagement\nCompany\n\nReference in This Chapter\n\nClients\n\nClient/Attorney\n\nClients\n\nClient/Investor\n\nClients\n\nClient/[Other\nDescription]\n\nAppraisal\nManagement\nCompany\n\nClients\n\nWhen Lender/AMC is not\nthe Client\n\nAlthough the information is similar for clients and non-clients, the data points are different and clients require an additional PartyRoleType, therefore\nthey are split out in this document.\n\nClient\n\nCompany name and address is reported for clients and credentials (license information) are reported for AMCs when applicable (when required by\nthe jurisdiction in which the subject property is located).\n\n• Clients must have an additional PartyRoleType (UID: 2400.0321, FID: 04.049) to identify the type of client.\n\nPage 24\n\nAssignment Information: Contact Information – [Role]/[Role] - Client\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n04.006 Company Name\n\n2400.0324 FullName\n\n2400.0314 AddressLineText\n\n2400.0315 CityName\n\n2400.0317 StateCode\n\n2400.0316 PostalCode\n\n04.007 Company Address\n\nCredentials\n\n04.008\n\nID\n\n2400.0319 LicenseIdentifier\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client” and\nPartyRoleType (UID: 2400.0365, FID: 04.049) is present …\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n"}

chunks/json/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.json

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+{"chunk":{"char_end":480824,"char_start":478940,"chunk_id":"chk_54331999b08165da","chunk_index":273,"chunk_sha256":"248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9","token_estimate":471,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"23.9.2 888-456-7890 23.9.3 123-555-1717\n\n23.9.4 321-555-7171\n\n23.9.5 987-555-4321\n\nFigure 137. Additional Information About This Loan - Contact Information Table\n\nAppendix E: UCD Implementation Guide\n\nPage 224 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n\nFigure 137 is completed as if all five contacts were parties to the transaction. The Lender and Settlement Agent\nare always required. The need for providing the remaining three parties varies depending on the transaction.\n\n23. 0. 1 LENDER\n\nThe Lender commercial banks, savings institutions, credit unions, and mortgage companies (i.e., non-depository\nlenders).\n\n23. 0. 2 MORTGAGE BROKER\n\nA Mortgage Broker facilitates the transaction for the borrower by helping them determine what loan best suits\ntheir needs and will collect their completed loan application. The broker will pass this information on to a\nlender, who will evaluate the borrower’s credit risk.\n\n23. 0. 3 BORROWER’S REAL ESTATE BROKER\n\nReal estate brokers are licensed to negotiate and arrange real estate transactions, including writing contracts for\npurchasing homes, land and commercial properties. The buyer’s real estate broker helps the buyer evaluate\nproperties and prepare offers, and negotiates in the best interests of the buyer.\n\n23. 0. 4 SELLER’ S REAL ESTATE BROKER\n\nThe seller’s real estate broker lists and markets the property for the sellers and exclusively represents the\nsellers. Seller's agents may help borrowers purchase the property, but their duty of loyalty is to the sellers.\n\n23. 0. 5 SETTLEMENT AGENT\n\nThe Settlement Agent is anyone who can conduct the transaction closing, including attorneys or escrow\ncompanies in several states. Duties include ensuring that all the closing requirements are met, all documents are\ncompleted in full and include applicable borrower signatures, and all fees are collected.\n"}

chunks/json/249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":1697,"char_start":0,"chunk_id":"chk_8783ef41b3d45fa3","chunk_index":0,"chunk_sha256":"249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_11827827496f333a","text_sha256":"249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucdp-change-notification-august-20-2019.pdf"]},"text":"UCDP Fannie Mae Appraisal Messaging Change Notification\n\nAugust 20, 2019\n\nFannie Mae is adding a proprietary appraisal message and revising the message text for an existing appraisal message in the\nUniform Collateral Data Portal® (UCDP®), effective October 5, 2019, to improve the appraisal quality during loan delivery and align\nwith the simplified condo policies.\n\nNew Fannie Mae Appraisal Message\nID\nFNM0197\n\nMessage Text\nThe subject property may be in Lava Zone 1 or 2. Properties within\nLava Zone 1 and 2 are ineligible for delivery to Fannie Mae per the\nSelling Guide. Confirm the lava zone of the subject property.\n\nSeverity\nOverridable\n\nApplicable Forms\n1004, 1073, 1025\n\nThe severity level will be a hard stop that results in a “Not Successful” submission status when the FNM0197 message is issued.\nLenders will be required to review the Fannie Mae appraisal message to confirm the lava zone of the subject property. However, if\nit is determined that the subject property is eligible for loan delivery, the lender may request a manual override and provide a\nreason code (refer to the list of existing reason codes below) to change the submission status to a “Successful” status in UCDP.\n\nList of Existing Reason Codes for Fannie Mae Overridable Messages\nIf the override is accepted and all other hard stops/findings have been resolved, the submission status changes from “Not\nSuccessful” to “Successful” status.\n\nOverride Reason Code Description\nLender has a variance from Fannie Mae.\nLender confirmed that the appraisal meets Fannie Mae requirements.\nLender confirmed that the property meets Fannie Mae requirements.\nLender validated that the message fired in error.\nOther (see comments)\n"}

chunks/json/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.json

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+{"chunk":{"char_end":249728,"char_start":247391,"chunk_id":"chk_957d735c1a3e773d","chunk_index":145,"chunk_sha256":"24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363","token_estimate":585,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Design (Style)\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n322\n\n2\n\n68\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\n\nGSE Quality Of\nConstruction Rating\nType\n\nThe overall rating of the property's\nquality of construction.\n\n323\n\n2\n\n69\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n324\n\n2\n\ne-17\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nGSE Age Estimation\nIndicator\n\nIndicates that the age of the property\nis estimated.\n\n325\n\n326\n\n2\n\n2\n\n70\n\n71\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nSale Price\nAdjustment\nDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age Adjustment\n\nSale Price\nAdjustment Amount\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_VIEW_DETAIL_EXTENSI\nON/COMPARISON_VIEW_DETAIL_EXTEN\nSION_SECTION[@ExtensionSectionOrganizati\nonName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_\nEXTENSION_SECTION_DATA/COMPARIS\nON_VIEW_DETAIL[@GSEViewType='Other']\n/@GSEViewTypeOtherDescription\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Vie\nw']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Des\nignStyle']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Des\nignStyle']/@_Amount\n"}

chunks/json/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.json

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chunks/json/24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809.json

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+{"chunk":{"char_end":38123,"char_start":36313,"chunk_id":"chk_e6945c2d8b61b87f","chunk_index":37,"chunk_sha256":"24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809","token_estimate":453,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"• Display \"Inconsistent Item -\" followed by the SubjectToCompletionFeatureDescription (UID: 2800.0003, FID: 05.003.1)\n\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0943, FID: 05.003.2) and displays above the image\n\nfollowing the SubjectToCompletionFeatureDescription.\n\nAdditional Exhibits\n\nDwelling Front\n\n• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “DwellingFront”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).\n\n• Display \"Dwelling Front -\" in bold font, followed by caption if provided\n\nDwelling Rear\n\n• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “DwellingRear”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).\n\n• Display \"Dwelling Rear -\" in bold font, followed by caption if provided\n\nHUD Data Plate\n\n• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ManufacturedHomeHUDDataPlate”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).\n\n• Display \"HUD Data Plate -\" in bold font, followed by caption if provided\n\nPage 30\n\nHUD Certification Label\n\n• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ManufacturedHomeHUDCertificationLabel”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).\n\n• Display \" HUD Certification Label -\" in bold font, followed by caption if provided\n\nManufactured Home Certification\n\n• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ManufacturedHomeFinancingProgramEligibilityCertification”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).\n"}

chunks/json/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.json

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+{"chunk":{"char_end":13652,"char_start":11998,"chunk_id":"chk_b7318e55290f3b01","chunk_index":7,"chunk_sha256":"24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"December 9, 2024\n\n[**FHFA’s Fall 2024 Econ Summit on Climate Risk**](https://www.fhfa.gov/blog/insights/fhfas-fall-2024-econ-summit-on-climate-risk)\n\nDecember 9, 2024\n\n## **Disaster Response and Assistance**\n\nIn May 2019, FHFA formalized its agency-wide Disaster Response Team (DRT), which had been meeting informally for years prior. The DRT has experience coordinating with the regulated entities, other government agencies, external parties, and internal FHFA stakeholders during natural disasters. It is guided by a natural disaster response and recovery framework developed by FHFA in coordination with its regulated entities to support borrowers and renters affected by natural disasters. This framework incorporates forbearance and workout options for borrowers in areas impacted by natural disasters, tailoring options to their specific circumstances.\n\nFor more information on disaster response and assistance: See [https://www.fhfa.gov/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance](/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance)\n\n## **RFI: Climate and Natural Disaster Risk Management at the Regulated Entities**\n\n[Link to Comments](/public-input/climate-and-natural-disaster-risk)\n\n[Link to RFI Synopsis](/document/2022_rfi-summary.pdf)\n\n## **Listening Session**\n\nOn March 4, 2021, FHFA held a public listening session on Climate and Natural Disaster Risk Management at the Regulated Entities.\n\n[March 4, 2021 Listening Session](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities)\n\n[March 4, 2021 Agenda](/document/climate-natural-disaster-risk-listeningsession-agenda)\n"}

chunks/json/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.json

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+{"chunk":{"char_end":16525,"char_start":16067,"chunk_id":"chk_94faa1ad2df89a52","chunk_index":16,"chunk_sha256":"24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d","token_estimate":412,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"PARTY Element ........................................................................................................................................................................................................................... 41\n\nINDIVIDUAL/LEGAL_ENTITY Element ......................................................................................................................................................................................... 42\n"}

chunks/json/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.json

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+{"chunk":{"char_end":613923,"char_start":611834,"chunk_id":"chk_ad8dfef6000cbdc3","chunk_index":353,"chunk_sha256":"24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"14. I based my valuation on the available properties that are most similar to the subject property.\n\n15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been\nbuilt or will be built on the land.\n\n16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its\nproximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of\nthe property value and have reported on the effect of the conditions on the value and marketability of the subject property.\n\n19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n"}

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+{"chunk":{"char_end":74331,"char_start":72726,"chunk_id":"chk_5f33f54f3dd1a28e","chunk_index":41,"chunk_sha256":"2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Free-form\n\nAssignment\nInformation -\nAppraiser\n•\n\nName 2.017\n\nThe full name of the appraiser, as it appears on the\nAppraisal Subcommittee (ASC) National Registry.\n\nAppendix F-1: URAR Reference Guide\n\nPage 26 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nProperty Description\n\nReport\nField ID\n\n1.012\n\nReport Label\n\nWhen Displayed in\nSummary Section\n\nAllowable Answers /\nFormat\n\nOrigin of Information\n(Section)\n\nDefinition / Additional Guidance\n\nSummary: Property Description\n\nConstruction\nMethod\n\nWhen Structure\nDesign is not High-\nrise, Mid-rise, or\nLow-rise\n\nDisplays one or more\nallowable answers\nfrom the Definition /\nAdditional Guidance\ncolumn\n\nDwelling Exterior, for\neach dwelling\n•\n\nConstruction\nMethod 8.011\n\n•\nContainer\n• Manufactured\n• Modular\n•\n•\n•\n•\n\nOn-Frame Modular\nSite Built\n3D Technology\nOther (Describe)\n\n1.013\n\nAttachment\nType\n\nAlways displays\n\nAttached or\nDetached\n\n1.014\n\nStructure Design When Attachment\n\nType is Attached\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nSubject Property\n•\n\nAttachment Type\n3.004\n\nDwelling Exterior\n•\n\nStructure Design\n8.002\n\n1.015\n\nPlanned Unit\nDevelopment\n(PUD)\n\nCheckbox always\ndisplays\n\nYes | No\n\nSubject Property\n•\nProperty in a\nPUD 3.010\n\nIf there are multiple dwellings, or multiple\nConstruction Methods for a dwelling, all display here.\n\nType of attachment to a neighboring property.\n\n•\nHigh-rise\n• Mid-rise\n•\nLow-rise\n•\nRowhouse / Townhouse\n•\nSemi-Detached\n•\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 27 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nReport\nField ID\n"}

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+{"chunk":{"char_end":1028989,"char_start":1027391,"chunk_id":"chk_c3d0525466f2d8d4","chunk_index":613,"chunk_sha256":"2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Explain the results of the analysis of the contract for sale or why the analysis was not\nperformed.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\nUAD Requirement - Refer to Appendix D Contract Section\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Contract Section\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-41, 1-42 (values of Sales Contract\nReviewed Indicator) must be indicated.\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-41, 1-42 (values of Sales Contract\nReviewed Indicator) must be indicated.\n\nThis field must be populated if field 1-32\n(Appraisal Purpose Type = 'Purchase') is\nindicated.\n\nThis field must be populated if field 1-32\n(Appraisal Purpose Type = 'Purchase') is\nindicated.\n\nThis field is required if field 1-32 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nThis field is required if field 1-32 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-46, 1-47 must be indicated.\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-46, 1-47 must be indicated.\nThis field should be populated if field 1-32\n(Appraisal Purpose Type = 'Purchase') is\nindicated.\n"}

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+{"chunk":{"char_end":677401,"char_start":675646,"chunk_id":"chk_641a8126d5d6f36f","chunk_index":403,"chunk_sha256":"2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533","token_estimate":439,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"There is other information that the appraiser must input directly into the Income Approach section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 302 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nGrayed out Cells\n\n24 Income Approach\n\nInformation that is never applicable for the subject property is grayed out in the GRM comparison grid.\nExample:\n• Data Source, Proximity to Subject and Comparable Weight are not applicable for the subject property and are always grayed out.\n\nHow Rows Display in the GRM Comparison Grid\n\nThere are three ways that rows display in the GRM comparison grid depending on characteristics of the subject and / or comparables.\n• Rows that always display (e.g., Property Address, Sale Price, and Gross Monthly Rent), or\n• A row that displays if applicable based on property characteristics (Accessory Dwelling Units), or\n• Rows that may display if relevant to support analysis and conclusions.\n\nExamples:\n\nReport Label\n\nRow Always Displays\n\nRow Displays if Applicable\n(Conditionally Displays)\n\nRow Displays if Relevant\n(May Display)\n\nUnits Excluding ADUs\n\n√\n\nAccessory Dwelling Units\n\nWhen the subject or any GRM comparable\nhas ADUs\n\nGross Building Finished Area\nFor a full list, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in Comparable Grids.\n\n√\n\nGeneral Guidance on Rows that May Display\n\nSome rows display on the GRM comparison grid if relevant:\n• To report meaningful attributes, or\n• To support conclusions, scope of work, or policy.\n\nNotes:\n• These rows must be brought into the GRM comparison grid when there is relevant and meaningful information for the subject and all\ncomparables, and adding the row leads to credible results. Not reporting a meaningful attribute can be misleading by omission.\n"}

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+{"chunk":{"char_end":3746,"char_start":0,"chunk_id":"chk_079b02abd5c7e4c7","chunk_index":0,"chunk_sha256":"25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_83e1b9e5d1c850db","text_sha256":"25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f","token_estimate":937,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-pudb-definitions.pdf"]},"text":"2024 FHLBank Public Use Database\n\nEffective January 1, 2019\n\nBusiness Name\n\nDefinition\n\nNew Field Name (2019-Present)\n\nYear\nLoanCharacteristicsID\nBank\nFIPSStateNumericCode\nFIPSCountyCode\nCoreBasedStatisticalAreaCode\n\nPrevious Field Name\n(Prior to 2019)\nYear\nAssigned ID\nBank\nFIPSStateCode\nFIPSCountyCode\nMSA\n\nYear\nLoan Characteristics ID\nBank\nFIPS State Numeric Code\nFIPS County Code\nCore Based Statistical Area Code\n\nCensusTractIdentifier\n\nTract\n\nCensus Tract Identifier\n\nCensusTractMinorityRatioPercent\n\nMinPer\n\nCensus Tract Minority Ratio Percent\n\n1\n2\n3\n4\n5\n6\n\n7\n\n8\n\n9\n10\n\nCensusTractMedFamIncomeAmount\nLocalAreaMedianIncomeAmount\n\nTraMedY\nLocMedY\n\nCensus Tract Median Family Income Amount\nLocal Area Median Income Amount\n\n11\n\nTotalMonthlyIncomeAmount\n\nIncome\n\nTotal Monthly Income Amount\n\n12 HUDMedianIncomeAmount\n\nCurAreY\n\nHUD Median Income Amount\n\n13\n\nLoanAcquisitionActualUPBAmt\n\n14\n\nLTVRatioPercent\n\n15 NoteDate\n16\n17\n\nLoanAcquistionDate\nLoanPurposeType\n\nUPB\n\nLTV\n\nMortDate\nAcquDate\nPurpose\n\nLoan Acquisition Actual UPB Amount\n\nLTV Ratio Percent\n\nNote Date\nLoan Acquisition Date\nLoan Purpose Type\n\n18\n\nProductCategoryName\n\nProduct\n\nProduct Category Name\n\n19 MortgageType\n\nFedGuar\n\nMortgage Type\n\n20\n21\n\nScheduledTotalPaymentCount\nLoanAmortizationMaxTermMonths\n\nTerm\nAmorTerm\n\nScheduled Total Payment Count\nLoan Amortization Max Term Months\n\n22 MortgageLoanSellerInstType\n\nSellType\n\nMortgage Loan Seller Inst Type\n\n23\n24\n\nBorrowerCount\nBorrowerFirstTimeHomebuyer\n\n25\n\nBorrower1Race1Type\n\nNumBor\nFirst\n\nBoRace\n\nBorrower Count\nBorrower First Time Homebuyer Indicator\n\nBorrower1 Race 1 Type\n\nYear Loan Was Reported\nUnique Record ID (not actual loan number)\nName of Federal Home Loan Bank District\n2 Digit FIPS State Code\n3 Digit FIPS County Code\nThe Property's Five Digit numeric CBSA; 99999 if\nstate/county/tract combo is not in a CBSA or MSA\nThe property's Census Tract of Block Numbering Area\n(BNA)\nThe percentage of the property's census tract\npopulation that is minority.\nThe property's census tract median family income.\nThe property's median income for the area based on\nthe most recent decennial census.\nThe total monthly qualifying income used for\nunderwriting in whole dollars for all borrowers on the\nloan.\nCurrent median income for a family of four for the area\nas established by HUD\nThe Amount of unpaid principal balance in whole\ndollars when acquired by the FHLBank.\nThe loan-to-value ratio of the mortgage at time of\norigination.\nYear the mortgage was originated.\nYear the mortgage was acquired.\nPurpose of Loan: 1 = Purchase, 2 = No-Cash Out\nRefinancing, 3 = Second Mortgage, 4 = New\nConstruction, 5 = Rehabilitation or Home\nImprovement, 6 = Cash-out Refinancing, 7 = Other\nProduct type of Mortgage: 01=Fixed Rate, 02=ARM,\n03=No Longer in Use, 04=GPM/GEM, 05=Reverse\nAnnuity Mortgage, 06=Other, 07-98=Reserved for\nfuture use\nType of Mortgage and whether the mortgage is\nguaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA\nRural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-\nFHA\nTerm of the Mortgage in Months\nFor Amortizing Mortgages, term of amortization in\nmonths; 998 if non-amortizing loan\nType of Institution from which the FHLBank acquired\nthe mortgage. 01=Insured depository institution,\n02=Housing Associate, 03=Insurance Company, 04=Non-\nFederally Insured CU, 05=Non-Depository CDFI,\n06=Other FHLBank, 09=Other\nNumber of Borrowers\nNumeric code indicating whether borrower is a first\ntime homebuyer. 0 = No, 1 = Yes\nNumeric code indicating the race of the Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby Borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership)\n"}

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+{"chunk":{"char_end":13131,"char_start":11520,"chunk_id":"chk_1c3e13f67bd51a2b","chunk_index":7,"chunk_sha256":"2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"Functional\n 31\n\nPhysical\n 29\n\nExternal\n 33 =$( 34 )\n\nEstimated Remaining Economic Life (HUD and VA only) 13\n\nYears\n\nIndicated Value By Cost Approach ............................................ =$ 37\n\nEstimated Monthly Market Rent $ 38\nSummary of Income Approach (including support for market rent and GRM) 41\n\nX Gross Rent Multiplier 39\n\n= $ 40\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nI\nN\nC\nO\nM\nE\n\nPROJECT INFORMATION FOR PUDs (if applicable)\n\n42\n\nIs the developer/builder in control of the Homeowners’ Association (HOA)? Yes No Unit type(s) Detached Attached\nProvide 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.\nLegal name of project 46\nTotal number of phases 47\nTotal number of units rented 50\nWas the project created by the conversion of an existing building(s) into a PUD? Yes No If Yes, date of conversion 55\nDoes the project contain any multi-dwelling units? Yes No Data source(s) 58\nAre the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion. 61\n\nTotal number of units sold 49\nData source(s) 52\n54\n53\n\nTotal number of units 48\nTotal number of units for sale 51\n\n56\n\n57\n\n44\n\n45\n\n43\n\n60\n\n59\n\nAre the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64\n\n63\n\n62\n\nP\nU\nD\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nDescribe common elements and recreational facilities 65\n\nFreddie Mac Form 70 March 2005 226\n\nPage 3 of 6\n\nFannie Mae Form 1004 March 2005\n"}

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+{"chunk":{"char_end":244165,"char_start":242527,"chunk_id":"chk_51aec4d7936f8e77","chunk_index":142,"chunk_sha256":"2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Conditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n314\n\n2\n\n62\n\nSALES\nCOMPARISON\nAPPROACH\n\nSite\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Site\nArea']/@_Description\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe total size of the entire site/parcel must be entered. No other data should be\nentered in this field. For sites/parcels that have an area of less than 1 acre, the\nsize must be reported in square feet (whole numbers only, e.g., 27840 sf).\nSites/parcels that have an area of 1.00 acre or greater must be reported in\nacreage to two decimal places (e.g., 8.35 ac).\n\nPDF Display Format:\nIf less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more:\nAcres, numeric to 2 decimal places. Indicate the unit of measure as either 'sf'\nfor square feet or 'ac' for acres as appropriate.\n\nExamples:\n· 6400 sf\n· 3.40 ac\n\nR\n\nR\n\nR\n\n315\n\n2\n\n63\n\nSALES\nCOMPARISON\nAPPROACH\n\nSite Adjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n316\n\n2\n\ne-5\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view\nassociated with the property.\n"}

chunks/json/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.json

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+{"chunk":{"char_end":116494,"char_start":114844,"chunk_id":"chk_6491605307e3f676","chunk_index":146,"chunk_sha256":"254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827","token_estimate":413,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"A DefectComponentLabelType is used for reporting defects with an outbuilding. Each of these DEFECT containers are linked to the instance\nof the IMPROVEMENT container (ImprovementType = “Outbuilding” and applicable OutbuildingType) where the defect is identified.\n\nPage 59\n\n• Exterior Walls and Trim\n• Foundation\n• Mechanical System\n• Roof\n• Windows\n• Flooring\n• Walls and Ceiling\n• Other (Describe)\n\nDefectComponentLabelType = “Other” and DefectComponentLabelTypeOtherDescription are used to report defects that are pertaining to\nother components of the outbuilding. The DEFECT containers are linked to the appropriate instance of the IMPROVEMENT container\n(ImprovementType = “Outbuilding” and the applicable OutbuildingType).\n\nVehicle Storage\n\n• Defects identified with vehicle storage do not require DefectComponentLabelType as the DEFECT container is linked to the specific\n\ninstance of the CAR_STORAGE container. The CarStorageType provides the context.\n\n• Defects identified with vehicle storage must be linked to the given vehicle storage where the defect is identified. For example, the\ninstance of the DEFECT container that represents defect with a driveway must be linked to the instance of the CAR_STORAGE\ncontainer with CarStorageType = “Driveway”.\n\n• When multiple defects are identified with an instance of vehicle storage, each of these DEFECT containers must be linked to the\n\nsame instance of the CAR_STORAGE container.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSubject Property Amenities\n\nPage 60\n\n• Defects identified with subject property amenities do not require DefectComponentLabelType as the DEFECT container is linked to\n"}

chunks/json/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.json

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+{"chunk":{"char_end":27332,"char_start":25733,"chunk_id":"chk_68a841eca3f011f3","chunk_index":16,"chunk_sha256":"254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"$3,600\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit D\n\nBuilding 1 | Unit D\n\nBuilding 1 | Unit 4\n\nBuilding 1 | Unit 4\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,300 Sq. Ft.\n\n$(9,900)\n\n1,350 Sq. Ft.\n\n$(14,400)\n\n1,150 Sq. Ft.\n\n$3,600\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 26\nPage 17 of 26\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n171 Cowboy Ln\nAnyplace, TX 01234\n\n181 Cattledrive St\nAnyplace, TX 01234\n\n123 Something Pl\nAnyplace, TX 01234\n\n341 Nothing Dr\nAnyplace, TX 01234\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nBuilding 1\n\nBuilding 1\n\nBuilding 1\n\nBuilding 1\n\nInterior Quality and Condition\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit A\n\nStructure ID\n\nQuality\n\nCondition\n\nQuality\n\nCondition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nBuilding 1 | Unit A\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nBuilding 1 | Unit 1\n\nQ4\n\nC3\n\nQ4\n\nC4\n\nBuilding 1 | Unit 1\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nWell maintained with\nminimal depreciation\n\nWell maintained with\nminimal depreciation\n\nAdequately maintained with\nmoderate depreciation\n\nWell maintained with\nminimal depreciation\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit B\n\nBuilding 1 | Unit B\n\nBuilding 1 | Unit 2\n\nBuilding 1 | Unit 2\n\nQuality\n"}

chunks/json/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.json

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+{"chunk":{"char_end":3446,"char_start":1819,"chunk_id":"chk_ddc35a17ab14ebe7","chunk_index":1,"chunk_sha256":"254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5b3e2e0d9256455b","text_sha256":"254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021.pdf"]},"text":"More information will be provided once a DU release date is confirmed, including Release Notes and integration impact.\n\nHow will this affect my integrated system?\nThe updates described below will be available in a future update of DU Version 11.0 and DU for government loans. No action\nis required until further notice.\n\nAny changes to these data elements implemented in your system(s) and submitted to DU prior to the update will impact loan\ncasefile submissions.\n\nUnique ID\n\nMISMO v3.4 Data Point Name\n\nDU Supported\nEnumerations\n\nUpdate(s)\n\n17.0024\n\nPurchaseCreditTypeOtherDescription\n\nBorrowerPaidFees\n\nConditionality Statement\nDU Legacy Reference Mapping\nImplementation Notes\nDU Supported Enumeration\n\n© 2021 Fannie Mae\n\n08.20.21 1 of 6\n\nUnique ID\n\nMISMO v3.4 Data Point Name\n\n16.0035\n\nFundsSourceType\n\n5.0270\n\nPurchaseCreditSourceType\n\n5.0271\n\nPurchaseCreditSourceTypeOtherDescription\n\nDU Supported\nEnumerations\n\nEmployer\nPropertySeller\nInstitutional\nNonParentRelative\n\nBorrowerPaidOutsideClosing\nBuilderDeveloper\nOther\nRealEstateAgent\n\nEmployerAffiliate\nLenderAffiliate\nOtherInterestedParty\n\n5.0187\n\nFundsSourceType\n\nNonParentRelative\n\n4.0014\n\nOwnershipInterestType\n\n4.0126\n4.0026\n4.0027\n\nEmploymentMonthlyIncomeAmount\nIncomeType\nCurrentIncomeMonthlyTotalAmount\n\nUpdate(s)\n\nConditionality\nConditionality Statement\nDU Supported Enumerations\n\nDU will no longer consider Institutional\nand/or Nonparent Relative funds source\ntypes in the submitted loan application\n\nNew for DU Data Point and Enumerations\n\nNew for DU Data Point and Enumerations\n\nConditionality Statement\nDU Supported Enumeration\nDU Legacy Reference Mapping\n"}

chunks/json/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.json

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+{"chunk":{"char_end":1621,"char_start":0,"chunk_id":"chk_a2524d21668d12b0","chunk_index":0,"chunk_sha256":"254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f8f303c735d8700c","text_sha256":"254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.xml/2- to 4-unit_Scenario_2_Appraisal_v1.1.xml"]},"text":"PhysicalMeasurement\n\nMLS\n\nXY-324811\n\nMLS\n\nXY-123994\n\nMLS\n\nXY-238849\n\nMLS\n\nXY-347981\n\nMLS\n\nXY-324819\n\nMLS\n\nXY-324720\n\nMLS\n\nXY-234895\n\nMLS\n\nXY-213840\n\nMLS\n\nXY-258927\n\nMLS\n\nXY-324811\n\nMLS\n\nXY-123994\n\nMLS\n\nXY-238849\n\nMLS\n\nCowboy County MLS\n\n171 Cowboy Ln\n\nAnyplace\n\nCowboy\n\n01234\n\nTX\n\n800\n\nDetached\n\nCarport\n\n4\n\n\\\\Images\\Carport.png\n\nimage/png\n\nDriveway\n\nConcrete\n\n4\n\nfalse\n\n\\\\Images\\Carport.png\n\nimage/png\n\nNone\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nNone\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\n2014\n\nfalse\n\nNone\n\nCarpet\n\nTypicalWearAndTear\n\nCeramicTile\n\nTypicalWearAndTear\n\nFlooring\n\nNotUpdated\n\nTypicalWearAndTear\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n1190\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n1190\n\n0\n\n1190\n\nfalse\n\n2\n\n1\n\n2\n\n0\n\nC3\n\nQ4\n\n1\n\nNotUpdated\n\nUnit A\n\ntrue\n\nfalse\n\nTenant\n\ntrue\n\nCarport\n\n1\n\nDriveway\n\n1\n\nPatio\n\nAmenities\n\nBath 1\n\n\\\\Images\\UnitABath1.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nFullBathroom\n\nNotUpdated\n\nBath 2\n\n\\\\Images\\UnitABath2.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nFullBathroom\n\nNotUpdated\n\nBedroom 1\n\n\\\\Images\\UnitABedroom1.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\nBedroom 2\n\n\\\\Images\\UnitABedroom2.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\n\\\\Images\\UnitADiningRoom.png\n\nimage/png\n\nLevelOne\n\nDiningRoom\n\n\\\\Images\\UnitAKitchen.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nKitchen\n\nNotUpdated\n\n\\\\Images\\UnitALivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\n2.10\n\nfalse\n\n2022-06-01\n\nfalse\n\nNo\n\nfalse\n\nfalse\n\n2500\n\n2600\n\ntrue\n\nNone\n\nCarpet\n\nTypicalWearAndTear\n\nCeramicTile\n\nTypicalWearAndTear\n\nFlooring\n\nNotUpdated\n\nTypicalWearAndTear\n\nWell maintained with minimal depreciation\n"}

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+{"chunk":{"char_end":11359,"char_start":9631,"chunk_id":"chk_225cee0d79701f75","chunk_index":6,"chunk_sha256":"25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca","token_estimate":432,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"IngroundPool\n\nWaterFeatures\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC4\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\n2019-07-02\n\n10400\n\n2019-08-31\n\n520000\n\nSale\n\nNone\n\nfalse\n\nTopography\n\nFlat\n\nResidential\n\n16039\n\nFull\n\nResidential\n\n101 Somewhere Ln\n\nTreeville\n\n12345\n\nVA\n\n1\n\nActive\n\nInferior quality and non-similar location\n\ntrue\n\nProximity\n\nQuality\n\n955 Black Swan Rd\n\nTreeville\n\n12345\n\nVA\n\n2\n\nPending\n\nSuperior quality and located further from subject\n\ntrue\n\nProximity\n\nQuality\n\n325 Summit Ct\n\nTreeville\n\n12345\n\nVA\n\n3\n\nSettledSale\n\nLocated further from subject\n\ntrue\n\nProximity\n\n2019-08-21\n\nSale\n\n7464 Blank Ln\n\nTreeville\n\n12345\n\nVA\n\n4\n\nSettledSale\n\nHad 5 bedrooms, but because it was larger and farther away, it was not used.\n\ntrue\n\nProximity\n\nGrossLivingArea\n\n2019-06-02\n\nSale\n\n8718 Mover Ln\n\nTreeville\n\n12345\n\nVA\n\n5\n\nSettledSale\n\nProperty has a media room and wet bar, but is larger and of superior quality.\n\ntrue\n\nGrossLivingArea\n\nQuality\n\n2019-07-13\n\nSale\n\n1234567\n\nClient\n\nNowhere432156\n\nValuationSoftwareVendor\n\n543234\n\nManagementCompany\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nComps 1 and 2 were from the same neighborhood as the Subject. Comp 3 not given as much weight because of different subdivision. Condition Rating adjustments were made to all comps due to the subject's flooring having stained carpets and no updates. Comp 1 also had a partially updated kitchen which was accounted for in the Condition Rating adjustment. Sales with property characteristics of 5 bedrooms, media room and wet bar were in the competitive market area, exhibited in #4 and 5 of the Additional Properties Analyzed Not Used, but were not as comparable since they were larger, farther away, and superior quality.\n"}

chunks/json/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.json

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+{"chunk":{"char_end":476144,"char_start":474507,"chunk_id":"chk_6017afbcc2e9bd36","chunk_index":270,"chunk_sha256":"2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Loan Acceptance\nYou do not have to accept this loan because you have\nreceived this form or signed a loan application.\n\nRefinance\nRefinancing the loan will depend …\n\nTax Deductions\nIf you borrow more than this property is worth…,\n\nFigure 136. Additional Information about This Loan – Other Disclosures\n\n22.1 Liability after Foreclosure requires lenders to disclose:\n\na. Whether State law may offer borrowers protection from liability for the unpaid loan balance if the\n\nlender forecloses on the loan, as indicated by the checked box.\n\nb. That any protection afforded under State law may be lost if the borrower refinances the loan or incurs\n\nadditional debt on the property.\n\nc. That the consumer should consult an attorney for additional information.\n\nAppendix E: UCD Implementation Guide\n\nPage 222 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n22.0 Other Disclosures\n\nThe data points used to support 22.1 Other Disclosures are shown in the table below in XML order. The value of\nthe XML data point, Document Signature Required Indicator is included.\n\nLoan Disclosures and Other Disclosures\nSUPPORTING DATA POINTS\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n22.1  state law may\n\n state law does not\n\nUID\n0.051\n\nN/A XML\n\n…/LOAN/FORECLOS\nURES/FORECLOSURE\n/FORECLOSURE_DET\nAIL\n\n…/DOCUMENT/\n/DOCUMENT_CLASS\nIFICATION/DOCUME\nNT_CLASSIFICATION\n_DETAIL/EXTENSION\n/OTHER\n\nDeficiencyRightsPre\nservedIndicator\n\nfalse\n\nROF as “ state law may”\n\ngse:DocumentSignat\nureRequiredIndicato\nr\n\nfalse\n\nA value of “false” means\nthe Loan Acceptance\ndisclosure must be\nincluded in Section 22.0.\n"}

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+{"chunk":{"char_end":3931,"char_start":2148,"chunk_id":"chk_255f7a38fa2e56cb","chunk_index":1,"chunk_sha256":"255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_361642b7b0e3bc08","text_sha256":"255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-february-2023.pdf"]},"text":"The update implemented in this release does not require changes by integrated partners. However, if you have not currently\nimplemented a process to obtain Equifax/TWN reports using the Reference ID field, you may want to consider doing so.\n\nPertinent DU MISMO Version 3.4 Data Points\n\nUnique ID\n\nXPath\n\nMISMO v3.4 Data Point Name\n\n4.0316\n\n4.0317\n\n4.0318\n\nMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/EXTENSION/OTHER/DU:LO\nAN_EXTENSION/DU:UNDERWRITING_VERIFICATIONS/DU:UNDERWRITING_VERIFICATION\n\nDU:VerificationReportSupplierType\n\nMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/EXTENSION/OTHER/DU:LO\nAN_EXTENSION/DU:UNDERWRITING_VERIFICATIONS/DU:UNDERWRITING_VERIFICATION\n\nDU:VerificationReportIdentifier\n\nMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/EXTENSION/OTHER/DU:LO\nAN_EXTENSION/DU:UNDERWRITING_VERIFICATIONS/DU:UNDERWRITING_VERIFICATION\n\nDU:VerificationReportType\n\n© 2023 Fannie Mae 1.5.23\n\n1 of 2\n\nSnippet of a Sample DU MISMO v3.4 File\nBelow is a snippet from a sample DU MISMO v3.4 file for a loan that contains a fictitious Equifax Reference ID. DU will try to pull\nthe Verification of Employment and Income report as well as the Tax Transcript report for the borrower(s) in the loan application\nusing the Reference ID provided.\n\nRelease Support\nThe DU validation service changes will be implemented in the DU integration environment on or about January 18, 2023.\nIntegration partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation.\n\nIf you have questions about the Integration Impact Memo or if you require support specific to this release, contact Integration\nSupport. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae\nrepresentative.\n"}

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+{"chunk":{"char_end":422334,"char_start":420698,"chunk_id":"chk_c6c525fee2629acb","chunk_index":247,"chunk_sha256":"255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"99\n\nPROJECT SITE\n\n100\n\nPROJECT SITE\n\n101\n\nPROJECT SITE\n\nIs the highest and best use of\nsubject as improved (or as\nproposed per plans and\nspecifications) the present use?\nYes\n\nIs the highest and best use of\nsubject as improved (or as\nproposed per plans and\nspecifications) the present use?\nNo\n\nIs the highest and best use of\nsubject as improved (or as\nproposed per plans and\nspecifications) the present use?\nIf No, describe\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as improved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='Y']\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as improved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nHighest Best Use\nDescription\n\nSpecifies a use, other than the present use,\nthat would constitute a higher and best\nuse of the site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@HighestBestUseDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n108\n\n1\n\n102\n\nPROJECT SITE\n\nUtilities\nElectricity\nPublic\n\nUtilities\nElectricity\nOther\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr\nicity']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr\nicity']/@_NonPublicIndicator\n"}

chunks/json/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.json

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+{"chunk":{"char_end":403610,"char_start":401989,"chunk_id":"chk_3ab9189ebfbb3537","chunk_index":226,"chunk_sha256":"25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"17. 5 PARTI AL PAYMENT S\n\nPartial Payments provides a statement indicating whether the creditor accepts periodic payments that are less\nthan the full amount due. If accepted, the lender must disclose whether they are applied immediately or held in\na separate account until the full payment is received. Additionally, the lender must disclose that, if the loan is\nsold, the new creditor may have a different policy.\n\n17. 6 SECURI TY I NTEREST\n\nSecurity Interest requires the lender to re-state the information regarding the subject property being held for\ncollateral provided on page 1 of the Closing Disclosure under 1.6 Property, and include a description of the real\nand personal property, if applicable, even if personal property was not listed on page 1 due to lack of space. The\npurpose of this additional disclosure is to:\n\nAppendix E: UCD Implementation Guide\n\nPage 188 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n17.0 Loan Disclosures\n\n1.\n\nInform the borrower(s) that the lender has taken a security interest in the property that secures the\ntransaction or in property not purchased as part of the transaction,\n\n2.\n\nIdentify the property, and\n\n3. State that the consumer may lose the property if he or she does not make payments or satisfy other\n\nrequirements.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Extension\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 125. Loan Disclosures\n\n17.3 … a late fee of ___\n\n17.3\n\nIf your payment is\nmore than __ days\nlate…\n\n17.3 … a late fee of ___\n\nFirst instance of LATE_CHARGE_RULE\n\n…/LATE_CHARGE/EX\nTENSION/OTHER/gse\n:LATE_CHARGE_RULE\nS/gse:LATE_CHARGE\n_RULE\n"}

chunks/json/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.json

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+{"chunk":{"char_end":5290,"char_start":3680,"chunk_id":"chk_542dcbe04661b361","chunk_index":2,"chunk_sha256":"256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"For questions or support, please contact acquisitions_loan_delivery@fanniemae.com\n\nFeb 24,\n2025\n\nULI Data\nValidation\n\nEffective February 24, 2025, Loan Delivery will introduce new warning edits 2821, 2855, 2856,\nand 2857 to support the delivery of the Universal Loan Identifier (ULI) when\napplicable. These edits apply to Sort ID 403.1 and will be fatal April 21, 2025. See\nULDD Phase 5 Implementation Considerations for details.\n\nFeb 24,\n2025\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n•\n\n•\n\n1 new informational edit for appraiser validation\n11 edits new warning edits to validate ULI (see above for details), borrower mailing\naddress, and hybrid appraisal\n1 new fatal edit and 1new file validation rule to prevent submitting NPI data in non-\nNPI fields\n\nMar 22,\n2025\n\nHybrid\nAppraisal\n\nFannie Mae recently announced an expansion to the hybrid appraisal policy effective March\n22, 2025. To support this announcement, Loan Delivery will introduce new edits and update\nexisting edits to ensure hybrid appraisal eligibility. See Selling Guide Announcement (SEL-\n2025-01) and Loan Delivery Business Rules for more details.\n\nMar 24,\n2025\n\nMar 24,\n2025\n\nMar 24,\n2025\n\nWindows 11\n\nThe Loan Delivery User Interface (UI) is now compatible with Windows® 11 and remains\ncompatible with Windows 10 and 8.1\n\nULDD Phase 5\nUpdates\n\nSID 398.3 Wire Instruction Reference Identifier is now available in LDTE and Production on\nMarch 24, 2025. Please see the updated ULDD Phase 5 Implementation Considerations for\ndetails.\n"}

chunks/json/256d86d004d9ef7e358c31d95a4eeca87a8c4cd6e62521dffcfb4ed213f87e03.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":129122,"char_start":127525,"chunk_id":"chk_d81fe584d44f8884","chunk_index":74,"chunk_sha256":"256d86d004d9ef7e358c31d95a4eeca87a8c4cd6e62521dffcfb4ed213f87e03","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"256d86d004d9ef7e358c31d95a4eeca87a8c4cd6e62521dffcfb4ed213f87e03","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Number\n\nNumber of dwellings on the property. A dwelling is a structure designed to be\nused as a residence that contains one or more living units.\n\nNotes:\n•\n\n•\n\nDwellings Containing Units only displays when there is more than 1 living\nunit (Units Excluding ADUs is more than 1).\nAn outbuilding is a structure other than a dwelling (e.g., barn, shed,\nbunkhouse, standalone ADU). Outbuildings are not included in Dwellings\nContaining Units. A detached garage with an ADU would not be captured\nhere.\n\nExamples:\n•\n•\n•\n\nEnter 1 for a 2-unit property where both units are in the same building.\nEnter 1 for a 3-unit property where all units are in the same building.\nEnter 2 for a 2-unit property where each unit is in a separate building.\n\nAllowable Answer\n\nAttached\n\nDetached\n\nAttachment Type (Choose one)\n\nDefinition / Additional Guidance\n\nResidential dwelling that has a common wall or other direct physical connection with another dwelling or structure that\nhas a different legal description.\nExamples:\n•\n•\n•\n•\n\nRowhouse or townhouse\nSemi-Detached (sometimes referred to as a “duplex” or “twin”)\nProperty that is in a high-rise, mid-rise, or low-rise building\n2- to 4-unit property attached to a neighboring property\n\nResidential dwelling under a single legal description that has no common wall or other direct physical connection with\nanother dwelling or structure.\nExamples:\n•\n•\n•\n\nSingle-family detached\n2- to 4-unit property not attached to a neighboring property\nA condo or co-op where there are no shared walls, floor, or ceiling with another unit (sometimes referred to as a\n“detached condo”)\n"}

chunks/json/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.json

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chunks/json/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.json

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+{"chunk":{"char_end":523201,"char_start":521335,"chunk_id":"chk_80594bccf19235d2","chunk_index":301,"chunk_sha256":"258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e","token_estimate":467,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 23 of 23\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"}

chunks/json/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.json

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chunks/json/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.json

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chunks/json/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.json

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chunks/json/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.json

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+{"chunk":{"char_end":1600,"char_start":0,"chunk_id":"chk_295990d6887ce2de","chunk_index":0,"chunk_sha256":"25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_058d4980d2495702","text_sha256":"25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad","token_estimate":400,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report without Report Field IDs v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix C‐2: Restricted Appraisal Update Report without Report Field IDs\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\n9/17/2024\n\nVersion\nNumber\n1.2\n\n12/12/2023\n\n1.1\n\n3/29/2023\n\n1.0\n\nIntroduction\n\nReport Section\n\nChange #\n\nRevision Description\n\nFooter\nFooter\nCertifications\nand Scope of\nWork\n\n2024‐028\n2023‐061\n\n2023‐003\n\nUpdated date in Footer to September 2024.\nUpdated date in Footer to December 2023.\nUpdated predefined text for Scope of Work and all Supervisory Appraiser\nCertifications.\nClarified that Contact Name(s) display for Appraiser Certification 13.\nInitial publication\n\nThe purpose of this document is to show all possible Report Labels that may display on the Restricted\nAppraisal Update Report, regardless of conditionality. This is not intended to represent a realistic report\nas an appraisal update will never contain all of the available fields in one report.\n\nTerm\nReport Label\n\nDefinition\nThe name of the field as shown on the Restricted Appraisal Update Report.\n\nSubject Property\n\nPhysical Address\nCounty\nProperty Rights Appraised\n\nLegal Description\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nReasonable Exposure Time\n\nAppraisal Update\n\nEffective Date\n\nAppraiser\n\nReference ID\nOriginal Lender\n"}

chunks/json/25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9.json

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+{"chunk":{"char_end":8975,"char_start":7078,"chunk_id":"chk_d7d34f09c6228c2e","chunk_index":4,"chunk_sha256":"25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1e29fa866f13fb3","text_sha256":"25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9","token_estimate":472,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_Stress_Tests_For_Market_And_714cn.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Federal Home Loan Bank Stress Tests For Market And Credit Risk\n\n# Federal Home Loan Bank Stress Tests For Market And Credit Risk\n\n## In General\n\nFHFA has developed market and credit risk related macroeconomic scenarios that it provides to the Federal Home Loan Banks (Banks). These scenarios are inputs to financial models that the Banks use to assess the exposure of their entire portfolio to market risk, and the exposure of their mortgage-related assets to credit risk. These exposures are measures of the potential loss in market value under stressful economic conditions. FHFA updates both the market and credit risk macroeconomic scenarios quarterly.\n"}

chunks/json/25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc.json

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+{"chunk":{"char_end":3904,"char_start":3322,"chunk_id":"chk_c2fd4165c6ab8f83","chunk_index":5,"chunk_sha256":"25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc","token_estimate":460,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"7a. File Format .......................................................................................................................................... 9\n\n7b. Key Administrative and Geographic Data Fields ............................................................................... 9\n\n7c. Information About Comparable Properties ......................................................................................... 9\n\n8. Information Quality ................................................................................................................................ 10\n"}

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chunks/json/260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef.json

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+{"chunk":{"char_end":30577,"char_start":28959,"chunk_id":"chk_1ade7811e70d9671","chunk_index":18,"chunk_sha256":"260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Carport | 4 | Detached\nDriveway | 4 | Concrete\n\n$865,000\n\n$850,000\n\n$(54,600)\n\n$198,850\n\n$99,425\n\n$155\n\n$795,400\n\nLess\n\n$755,000\n\n$750,000\n\n$22,400\n\n$193,100\n\n$96,550\n\n$132\n\n$772,400\n\nLess\n\n$795,000\n\n$780,000\n\n$4,400\n\n$196,100\n\n$98,050\n\n$159\n\n$784,400\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$785,000\n\nReconciliation of Sales Comparison Approach\n\nAll comparables utilized were 4 unit properties. The time adjustment reflects approximately 1% per month for each comparable. The\ncomparables were built in approximately the same time period offering similar overall utility. Most emphasis is placed on comparable 3, which\nbest reflects the subject property.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 26\nPage 18 of 26\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the map of the Sales Comparables, the Rental Comparables, and the GRM Comparables would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 26\nPage 19 of 26\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the photo of 181 Cattledrive St would display.\n\nThis is where the photo of 123 Something Pl would display.\n\nComparable #3\n\nThis is where the photo of 341 Nothing Dr would display.\n\nPG BRK\n\nRental Information\n"}

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+{"chunk":{"char_end":36351,"char_start":34401,"chunk_id":"chk_a4a46c3589ced4ff","chunk_index":17,"chunk_sha256":"261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78","token_estimate":488,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"b. Form Specific Fields\n\nBusiness partners will notice that some MISMO definitions end with the phrase,\n“FORM SPECIFIC FIELD.” This means that the source for this data point is a\nrecognized mortgage industry form like the HUD-1 Settlement Statement or\nUniform Residential Loan Application (URLA). The definitions of some Form\nSpecific Fields explicitly identify the form and the location on the form to which\nthe associated data point can be mapped. Because this phrase has caused some\nconfusion with business partners, the GSEs removed it from the MISMO\ndefinitions published in the ULDDS and GSE-specific Implementation Guides.\n\nc. IdentifierOwnerURI\n\nSome MISMOIdentifier data points (ending in the Class Word “Identifier”)\ninclude in their definitions a reference to the “IdentifierOwnerURI” or\n“OwnerURI” attribute. The IdentifierOwnerURI attribute allows business partners\nto identify the location of the source of a particular identifier (for example, a\nregistry, reference table, official list, etc.). Because this capability is not being\nused, the GSEs removed this phrase from the MISMO definitions published in the\nULDDS and GSE-specific Implementation Guides.\n\n3. Enumeration : Explanation\n\nData points that end with the Class Word “Type” always include a list of valid values\n(also called “enumerations”). The valid values (Simple Type XML elements) are\nlisted in alphabetical order, must comply with the same naming conventions as data\npoints, and are formed using Upper Camel Case. Valid values will include\nexplanations when the submitting Workgroup believed the term is not completely clear\non its own. If explanations are provided, they are shown after a colon that follows the\nvalid value. The colon and explanation are not part of the valid value and should not\nbe included in the XML schema file. Any, or all, of the valid values may be specified\nby a business partner for a particular implementation of the V3.0 Reference Model.\n"}

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