diff --git a/chunks/json/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.json b/chunks/json/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.json
new file mode 100644
index 0000000000000000000000000000000000000000..0d10009d08f80192a9c809f4818609d86b432059
--- /dev/null
+++ b/chunks/json/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.json b/chunks/json/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.json
new file mode 100644
index 0000000000000000000000000000000000000000..763326ee3f3ebfd029e0b98c604a2d23c9a03b86
--- /dev/null
+++ b/chunks/json/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.json b/chunks/json/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.json
new file mode 100644
index 0000000000000000000000000000000000000000..56be47d01a24715865d6818b2162d30624f65425
--- /dev/null
+++ b/chunks/json/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.json b/chunks/json/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.json
new file mode 100644
index 0000000000000000000000000000000000000000..16a5c2e6c30acb0af7668b22e732bf4f25e247ed
--- /dev/null
+++ b/chunks/json/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.json b/chunks/json/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.json
new file mode 100644
index 0000000000000000000000000000000000000000..be5884652295a2c976425d26f6c7c14929dc9508
--- /dev/null
+++ b/chunks/json/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.json b/chunks/json/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.json
new file mode 100644
index 0000000000000000000000000000000000000000..18f7efafced574a74ab41065d3cf783063068780
--- /dev/null
+++ b/chunks/json/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.json b/chunks/json/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a69017dfec93b89d3f102e8ee792aec5c00e01d
--- /dev/null
+++ b/chunks/json/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.json b/chunks/json/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.json
new file mode 100644
index 0000000000000000000000000000000000000000..5becaa1c3c5c03746ce6856133d80a92896517f1
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+++ b/chunks/json/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31.json b/chunks/json/2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31.json
new file mode 100644
index 0000000000000000000000000000000000000000..c006487936ebdc843e79c5507f3dec0ef3f08eec
--- /dev/null
+++ b/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"}
diff --git a/chunks/json/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.json b/chunks/json/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.json
new file mode 100644
index 0000000000000000000000000000000000000000..9ac54feb1bbb3ee866224f7e0d8db529d94cb4c6
--- /dev/null
+++ b/chunks/json/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.json b/chunks/json/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.json
new file mode 100644
index 0000000000000000000000000000000000000000..aa4c3ce1539ae7ce3ae219fb556b94fa4a00d1fe
--- /dev/null
+++ b/chunks/json/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.json b/chunks/json/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.json
new file mode 100644
index 0000000000000000000000000000000000000000..fd51207258cc8bd33581c5a35d29e86301c4fe34
--- /dev/null
+++ b/chunks/json/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31.json b/chunks/json/249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31.json
new file mode 100644
index 0000000000000000000000000000000000000000..c09abc7f6adbc96f688144dc20651d06418c856a
--- /dev/null
+++ b/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"}
diff --git a/chunks/json/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.json b/chunks/json/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.json
new file mode 100644
index 0000000000000000000000000000000000000000..ceaea1e9c430b6833d82c82863a4b37549f2089b
--- /dev/null
+++ b/chunks/json/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.json b/chunks/json/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.json
new file mode 100644
index 0000000000000000000000000000000000000000..7597f59ac334be695cb2ae4549b224c143e28690
--- /dev/null
+++ b/chunks/json/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21421,"char_start":18086,"chunk_id":"chk_1f72d717d6c27a09","chunk_index":8,"chunk_sha256":"24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_efbba269affa1f3f","text_sha256":"24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13","token_estimate":1033,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae_and_Freddie_Mac_Multifamily_Businesses__bou0b.md"]},"text":"Sign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/12716\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809.json b/chunks/json/24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809.json
new file mode 100644
index 0000000000000000000000000000000000000000..711cd698d5615a61c319aef61ca226d4225a3437
--- /dev/null
+++ b/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"}
diff --git a/chunks/json/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.json b/chunks/json/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..394e9a18179240c2a8cb1fed35c9ba430ebc4520
--- /dev/null
+++ b/chunks/json/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.json b/chunks/json/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.json
new file mode 100644
index 0000000000000000000000000000000000000000..e900391fc1496f43a61976c2e8aab78f8b7eda92
--- /dev/null
+++ b/chunks/json/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.json b/chunks/json/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.json
new file mode 100644
index 0000000000000000000000000000000000000000..06adbd04ec335f5ee11ebec190dc0795d2ac4eb3
--- /dev/null
+++ b/chunks/json/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc.json b/chunks/json/2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc.json
new file mode 100644
index 0000000000000000000000000000000000000000..0f27712e5d28f896acd4beb047066d14826996a4
--- /dev/null
+++ b/chunks/json/2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f.json b/chunks/json/2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f.json
new file mode 100644
index 0000000000000000000000000000000000000000..0be441c421489b2c03d203bec567a5fd3ff59c89
--- /dev/null
+++ b/chunks/json/2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533.json b/chunks/json/2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533.json
new file mode 100644
index 0000000000000000000000000000000000000000..8b34cef3229522ce082dce05b417c09495159b54
--- /dev/null
+++ b/chunks/json/2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f.json b/chunks/json/25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f.json
new file mode 100644
index 0000000000000000000000000000000000000000..098cf71ba6da4f2ae2e30f8c484da427c7a16303
--- /dev/null
+++ b/chunks/json/25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57.json b/chunks/json/2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57.json
new file mode 100644
index 0000000000000000000000000000000000000000..48c1fac8fcf0f984b3f91c93045e942533591565
--- /dev/null
+++ b/chunks/json/2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2.json b/chunks/json/2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2.json
new file mode 100644
index 0000000000000000000000000000000000000000..421d830fdd3f9be70d4d773c68f4c579e02978b3
--- /dev/null
+++ b/chunks/json/2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.json b/chunks/json/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.json
new file mode 100644
index 0000000000000000000000000000000000000000..c942a2ac0e0a717068ae7fba42e8fdb867787242
--- /dev/null
+++ b/chunks/json/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.json b/chunks/json/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..6624e21f3833b7c8e054043b79744897a16e3cd8
--- /dev/null
+++ b/chunks/json/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.json b/chunks/json/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.json
new file mode 100644
index 0000000000000000000000000000000000000000..39b033a90877dd753eaadc71ca0411ed89e76b86
--- /dev/null
+++ b/chunks/json/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.json b/chunks/json/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.json
new file mode 100644
index 0000000000000000000000000000000000000000..8f8120750ce6e15f58fd93f0975bf93dcd29f58c
--- /dev/null
+++ b/chunks/json/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca.json b/chunks/json/25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca.json
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index 0000000000000000000000000000000000000000..e1f61fbf9fb24638523b1dcbac13ad1ad0f5f49e
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+++ b/chunks/json/25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.json b/chunks/json/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.json
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index 0000000000000000000000000000000000000000..12a3f5fb168d2273318cf7330e13a6c1785430e4
--- /dev/null
+++ b/chunks/json/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9.json b/chunks/json/255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9.json
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index 0000000000000000000000000000000000000000..08aad01e7c3472e8b8aed4cb8623c76ff1c9e48c
--- /dev/null
+++ b/chunks/json/255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8.json b/chunks/json/255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8.json
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index 0000000000000000000000000000000000000000..b3d3ec60036fe753d652c067b432fa1b9bbb7bbe
--- /dev/null
+++ b/chunks/json/255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.json b/chunks/json/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.json
new file mode 100644
index 0000000000000000000000000000000000000000..7ccd4df5f4f92c03369235bbeb859f59f4f0eb38
--- /dev/null
+++ b/chunks/json/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.json b/chunks/json/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.json
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index 0000000000000000000000000000000000000000..4e22baca90d2941ddf93041a777acbf84db4b751
--- /dev/null
+++ b/chunks/json/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.json
@@ -0,0 +1 @@
+{"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"}
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index 0000000000000000000000000000000000000000..56e1348ff0a1370cd50491c3a3a73a681f208458
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+++ b/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"}
diff --git a/chunks/json/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.json b/chunks/json/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.json
new file mode 100644
index 0000000000000000000000000000000000000000..601c0411c1c71d8be9f1f15e62e4f069e9e0b200
--- /dev/null
+++ b/chunks/json/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.json
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+{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_a0433004a6572588","chunk_index":0,"chunk_sha256":"2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448","date_utc":"2026-01-27T17:54:28+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4ef0d15181c12f0e","text_sha256":"2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__yhcomd.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/enterprise-affordable-housing-goals\"\ndate_accessed: \"2026-01-27T17:54:20.501Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.json b/chunks/json/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.json
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index 0000000000000000000000000000000000000000..e4bb61fb8cf7ff9edde5fa8acfc254c6908ce94b
--- /dev/null
+++ b/chunks/json/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.json b/chunks/json/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.json
new file mode 100644
index 0000000000000000000000000000000000000000..086b60506c4c0169e945098291b5ee5d28d67442
--- /dev/null
+++ b/chunks/json/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":230575,"char_start":228929,"chunk_id":"chk_38fecf6b9cccc248","chunk_index":130,"chunk_sha256":"2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</FEE_PAYMENT>\n<!-- Portion paid by Seller -->\n <FEE_PAYMENT>\n\n<FeeActualPaymentAmount>100.00</FeeActualPaymentAmount>\n <FeePaymentPaidByType>Seller</FeePaymentPaidByType>\n <FeePaymentPaidOutsideOfClosingIndicator>true</FeePaymentPaidOutsideOfClosingIndicator>\n\n</FEE_PAYMENT>\n </FEE_PAYMENTS>\n</FEE>\n\n<!-- E. Taxes and Other Government Fees – Transfer Taxes -->\n\n<FEE>\n <FEE_DETAIL>\n <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>\n <EXTENSION>\n <OTHER>\n\n<ucd:FEE_DETAIL_EXTENSION>\n\n<ucd:FeeItemType>TransferTax</ucd:FeeItemType>\n\n</ucd:FEE_DETAIL_EXTENSION>\n\n</OTHER>\n </EXTENSION>\n </FEE_DETAIL>\n <FEE_PAYMENTS>\n <FEE_PAYMENT>\n\n<FeeActualPaymentAmount>1440.00</FeeActualPaymentAmount>\n <FeePaymentPaidByType>Seller</FeePaymentPaidByType>\n <FeePaymentPaidOutsideOfClosingIndicator>true</FeePaymentPaidOutsideOfClosingIndicator>\n\n</FEE_PAYMENT>\n </FEE_PAYMENTS>\n\n</FEE>\n\n<!-- H. Other Costs -->\n<FEE>\n <FEE_DETAIL>\n <FeePaidToType>ThirdPartyProvider</FeePaidToType>\n <IntegratedDisclosureSectionType>OtherCosts</IntegratedDisclosureSectionType>\n <OptionalCostIndicator>false</OptionalCostIndicator>\n <RegulationZPointsAndFeesIndicator>false</RegulationZPointsAndFeesIndicator>\n\nUCD v2.0 Implementation Guide\n\n- 100 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.\n\n<EXTENSION>\n <OTHER>\n\n<ucd:FEE_DETAIL_EXTENSION>\n\n<ucd:FeeItemType>HomeownersAssociationSpecialAssessment</ucd:FeeItemType>\n\n</ucd:FEE_DETAIL_EXTENSION>\n\n</OTHER>\n </EXTENSION>\n </FEE_DETAIL>\n <FEE_PAID_TO>\n <LEGAL_ENTITY>\n"}
diff --git a/chunks/json/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.json b/chunks/json/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.json
new file mode 100644
index 0000000000000000000000000000000000000000..572ca3a7ab3b605b933e271457d22e40b65b6926
--- /dev/null
+++ b/chunks/json/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":533496,"char_start":531879,"chunk_id":"chk_e325264b954340dd","chunk_index":307,"chunk_sha256":"2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"All Rights Included in Appraisal\n\nYes\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 3 of 22\nPage 3 of 22\n\nSubject Property (continued)\n\nLegal Description\n\nUnreal Farm S.1 PCL.300201121002432 F-895-4 BLA 3573702301420 Use agreement 71\n\nSubject Property Commentary\n\nTax Map ID: 2000-61-726997/R128810\n\nSite\n\nTotal Site Size\n\n14,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nF-895-4\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n14,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR-01\nResidential - Single Family\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\nSubject and all comparables\nare located in a residential\narea.\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nElectricity\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\nPrivate\n\n\nDetail\nSolar\n\n\n\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nImpact\n\nComment\n\nPrivate Utility\nImpact\nNeutral\n\nComment\nSubject has solar power but has also maintained\nconnection to public electrical lines.\n"}
diff --git a/chunks/json/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.json b/chunks/json/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.json
new file mode 100644
index 0000000000000000000000000000000000000000..8e81352147295b42971f68edd155121d1585e8fc
--- /dev/null
+++ b/chunks/json/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1157371,"char_start":1155722,"chunk_id":"chk_74f7ee65a2619785","chunk_index":687,"chunk_sha256":"259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8","token_estimate":412,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"35\n\nString\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@Pro\npertySalesAmount\n\n11\n\nMoney\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price/Gross Liv. Area\n\nSales Price Per\nGross Living Area\nAmount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This is a\nratio between the sales price and an area,\nbut it is a monetary value rather than a\nfactor or rate. (CALCULATED\nRESULTS FIELD)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@Sal\nesPricePerGrossLivingAreaAmount\n\n12\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nProximity to Subject - Numeric to 2 decimal places + ‘miles’ + Directional:\nexample: 1 75 miles NW\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 192 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n279\n\n2\n\ne-25\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Data Source\nDescription\n\nA data source used for information about\nthe sale and characteristics of the\ncomparable property.\n"}
diff --git a/chunks/json/259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2.json b/chunks/json/259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2.json
new file mode 100644
index 0000000000000000000000000000000000000000..6b38638eb897e093f503994acb52838b7ac91b81
--- /dev/null
+++ b/chunks/json/259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":218920,"char_start":217302,"chunk_id":"chk_a8399c81edc2a3bc","chunk_index":123,"chunk_sha256":"259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"7.028\n\nFullName\n\nJohn Smith Appraisers Inc.\n\nInclude the company name of the\nthird party provider.\n\n…/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidNotShopFor\"]/FEE_PAYMENTS/FEE_PAYMENT\n\n7.010\n\nFeeActualPaymentAmount\n\n7.008\n\nFeePaymentPaidByType\n\n7.009\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\n705.00\n\nLender\n\nfalse\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidShopFor\"]/FEE_DETAIL\n\n7.074\n\nFeePaidToType\n\nOther\n\n7.110\n\nFeePaidToTypeOtherDescription\n\nLenderAffiliate\n\nSupports Reg Z/QM requirements to\nidentify Broker or Lender affiliates.\n\nThis supports Reg Z/QM\nrequirements to identify Broker or\nLender affiliates.\n\n7.045\n\nIntegratedDisclosureSectionType\n\nServicesBorrowerDidShopFor\n\n7.071\n\nRegulationZPointsAndFeesIndicator\n\ntrue\n\n…/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidNotShopFor\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_\nEXTENSION\n\n15.004\n\nucd:FeeItemType\n\nPestInspectionFee\n\n…/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidNotShopFor\"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETA\nIL\n\nUCD v2.0 Implementation Guide\n\n- 94 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n7.028\n\nFullName\n\nPests Co.\n\nInclude the company name of the\nservice provider.\n\n…/FEE[IntegratedDisclosureSectionType=\"ServicesBorrowerDidShopFor\"]/FEE_PAYMENTS/FEE_PAYMENT\n\n7.010\n\nFeeActualPaymentAmount\n"}
diff --git a/chunks/json/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.json b/chunks/json/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.json
new file mode 100644
index 0000000000000000000000000000000000000000..a5611a001096673d42d238978fa3de39a09d0e6f
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+++ b/chunks/json/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9.json b/chunks/json/25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9.json
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+++ b/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"}
diff --git a/chunks/json/25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc.json b/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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+{"chunk":{"char_end":12570,"char_start":12094,"chunk_id":"chk_b920da19e7783cc0","chunk_index":17,"chunk_sha256":"25e9ef86c2f75dc33e5b82bb1666e2801feaf2b77f24278d1e191d566dad80dc","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"25e9ef86c2f75dc33e5b82bb1666e2801feaf2b77f24278d1e191d566dad80dc","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TB-B - Table Text Bold ......................................................................................................................................... 28\n\nTCH - Table Column Heading .............................................................................................................................. 28\n\nTB_sub-H1 – Dark Gray Bar in table ................................................................................................................... 29\n"}
diff --git a/chunks/json/260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef.json b/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"}
diff --git a/chunks/json/261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78.json b/chunks/json/261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78.json
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+++ b/chunks/json/261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b.json b/chunks/json/261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b.json
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index 0000000000000000000000000000000000000000..a7a14d5d92dfa2c1f94cd5368c940711d6dd0660
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+++ b/chunks/json/261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b.json
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+{"chunk":{"char_end":19891,"char_start":18243,"chunk_id":"chk_a3e0396b7d375135","chunk_index":11,"chunk_sha256":"261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b","token_estimate":411,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 21\nPage 11 of 21\n\nMarket (continued)\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n2\n11\n$435,000\n$440,000\n$445,000\n1\n\nSales in Past 24 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n35\n$400,000\n$499,000\n$597,000\nNo\nAbsorption Rate\nMedian Days on Market\nPrice Trend\nYear Built of Sales\nMLS\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nShortage\n\nMarketing Time\n\nUnder 3 months\n\nDespite lack of supply, homes are not going up in value due to seasonality. This is typical for 3rd quarter, evidenced by the fact that there are\nonly 2 active listings, which have less finished area than the subject and not indicative of prices decreasing.\n\nMarket Exhibits\n\nAbsorption Rate\n\nMedian Days on Market\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 21\nPage 12 of 21\n\nMarket (continued)\n\nPrice Trend\n\nYear Built of Sales\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Information Data Source Real Estate Agent\nMandatory Fees (HOA, PUD, or Co-op)\n$34\n\nMonthly Amount\nCommon Amenities/\nServices Included\nUtilities Included\n\nTrash Removal\nNone\n\nProject Factors and Impact to Value/Marketability\n"}
diff --git a/chunks/json/262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74.json b/chunks/json/262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74.json
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index 0000000000000000000000000000000000000000..c7c00f83ff81b0187b670538e1971f69135623e8
--- /dev/null
+++ b/chunks/json/262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74.json
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+{"chunk":{"char_end":26778,"char_start":26295,"chunk_id":"chk_1bc755e334071a1b","chunk_index":35,"chunk_sha256":"262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 106\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 107\n"}
diff --git a/chunks/json/263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4.json b/chunks/json/263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4.json
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+++ b/chunks/json/263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4.json
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+{"chunk":{"char_end":362534,"char_start":360912,"chunk_id":"chk_67d23b2f87ab3fad","chunk_index":214,"chunk_sha256":"263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"12.005\n\nStructure\nVolume\n\nRequired when\nrequested by client\n\nNumber of cubic\nfeet\n\nThe total volume of the outbuilding, including finished and unfinished areas.\nNote: When applicable, report the volume provided.\n\n12.006 Gross Building\nArea\n\nAlways required\n\nNumber of square\nfeet\n\nTotal area of all floor levels in the outbuilding measured from the exterior of\nthe walls, excluding unenclosed areas, and including the following:\n•\nAbove and below grade area, whether finished or unfinished\n•\nVehicle storage area\n•\nADU area\n\nN/A\n\nSee\niGuide\n\nAlways required\n\nPhoto\n\nA photo of the front of the outbuilding must be provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 152 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nDetail\n\nThe display of the Detail subsection varies depending on whether or not the outbuilding is an ADU. This sample\nshows all possible information.\n\nHeating and Cooling for Outbuilding Without ADU\n\nIf the outbuilding is not a ADU or does not contain an ADU, the Heating and Cooling checkboxes display instead\nof the Mechanical System Details subsection (12.014-12.017).\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nOutbuilding Detail: Heating and Cooling\n\n12.008 Heating\n\n12.009 Cooling\n\nUtilities\n\nRequired if Units in\nStructure is 0\n\nRequired if Units in\nStructure is 0\n\nYes | No\n\nYes | No\n\nHeating System Exists: Indicates whether there is a permanent heating system\nin the outbuilding.\n\nCooling System Exists: Indicates whether there is a permanent cooling system in\nthe outbuilding.\n\nOutbuilding Detail: Utilities\n"}
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+++ b/chunks/json/264ded0f4212ef0e2a91a4774862a72cb2b8f66c8bc234d0ab1c19d780d3330a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":344989,"char_start":343373,"chunk_id":"chk_585e31ae12b9e30a","chunk_index":201,"chunk_sha256":"264ded0f4212ef0e2a91a4774862a72cb2b8f66c8bc234d0ab1c19d780d3330a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"264ded0f4212ef0e2a91a4774862a72cb2b8f66c8bc234d0ab1c19d780d3330a","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Appraiser Postal\nCode\n\nThe postal code (zip code in US) of\nthe address of the appraiser. Zip code\nmay be either 5 or 9 digits.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/@_PostalCode\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nTelephone Number\n\nContact Point Value\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nEmail Address\n\nContact Point Value\n\nThis is the actual value (Phone, Fax,\nE-Mail, Other) of the Contact Point\nType.\nThis is the actual value (Phone, Fax,\nE-Mail, Other) of the Contact Point\nType.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/CONTACT_DETAIL/CONTACT_POIN\nT[@_Type='Phone']/@_Value\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/CONTACT_DETAIL/CONTACT_POIN\nT[@_Type='Email']/@_Value\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nDate of Signature and\nReport\n\nAppraiser Report\nSigned Date\n\nIndicates the date the appraiser\nsigned the appraisal report.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserReportSignedDate\n\n10\n\n50\n\n55\n\n10\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• 5-digit ZIP Code or ZIP+4 code\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis field should contain the entire telephone number, including area code.\n\nString\n\nFree text – should contain the appraiser's email address.\n\nData Format:\nyyyy-mm-dd\n\nDate/Time\n\nPDF Display Format:\nmm/dd/yyyy\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 76 of 211\n\nDocument Version 1.4\n"}
diff --git a/chunks/json/264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f.json b/chunks/json/264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f.json
new file mode 100644
index 0000000000000000000000000000000000000000..37259b8acec82269710800a2e68ec4422edd5948
--- /dev/null
+++ b/chunks/json/264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":65375,"char_start":63748,"chunk_id":"chk_4934b6f22b9eacec","chunk_index":38,"chunk_sha256":"264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nSale or Financing Concessions\nNote: This field, comprised of two lines, is\nused to capture sale type, financing type, and\nany concessions. The information must be\nentered on line 1 and line 2 as indicated.\n\nLine 1\nThe appraiser must indicate the sale type for\neach comparable property. If more than one\nsale type applies to the comparable property,\nthe appraiser must start at the top of the list\nand identify the first sale type that applies.\nThe valid values are:\n\nREO\n\nShort\n\nCrtOrd\n\nEstate\n\nRelo\n\nNonArm\n\nArmLth\n\nListing\n\nREO Sale\n\nShort Sale\n\nCourt ordered sale\n\nEstate Sale\n\nRelocation sale\n\nNonarms length sale\n\nArms length sale\n\nListing\n\nNote: The appraiser may report any other\nrelevant information regarding the sale type,\nincluding whether more than one sale type\napplies, elsewhere in the appraisal report.\n\nLine 2\nFHA\n\nVA\n\nFHA\n\nVA\n\nConv Seller\n\nConventional Seller\n\nCash\n\nRH\n\nSee\nInstructions\nbelow\n\nCash\n\nUSDA – Rural housing\nOther – Appraiser to\nenter a description of\nthe financing type*\n\nThe appraiser must enter the financing type\nfrom the list below and the total amount of\nconcessions, if any, for each settled sale. If\nthere are no sales or financing, enter the\nnumeral zero (0).\n\nPage 36 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n"}
diff --git a/chunks/json/2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa.json b/chunks/json/2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa.json
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index 0000000000000000000000000000000000000000..d5c8273e76c92cd2d5a87522df46143af715ebfb
--- /dev/null
+++ b/chunks/json/2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":198065,"char_start":196154,"chunk_id":"chk_fa8455036d48f46a","chunk_index":115,"chunk_sha256":"2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa","token_estimate":478,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\n256\n\n2\n\n21\n\nSALES\nCOMPARISON\nAPPROACH\n\nLeasehold/Fee Simple\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='0']/S\nALE_PRICE_ADJUSTMENT[@_Type='Proper\ntyRights']/@_Description\n\n20\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee\nSimple).\n\n257\n\n2\n\n22\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='0']/S\nALE_PRICE_ADJUSTMENT[@_Type='SiteAr\nea']/@_Description\n\n20\n\nString\n\n258\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\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_VIEW_OVERALL_RATING_E\nXTENSION/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION[@Exten\nsionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION_DATA/\nCOMPARISON_VIEW_OVERALL_RATING/\n@GSEViewOverallRatingType\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"}
diff --git a/chunks/json/26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3.json b/chunks/json/26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d5c613f602810acccb4033d17f40c65cafd19d0
--- /dev/null
+++ b/chunks/json/26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":49438,"char_start":48646,"chunk_id":"chk_2ab02bdb4fed645d","chunk_index":50,"chunk_sha256":"26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3","token_estimate":402,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"22.01.01\n\n22.01.01.1\n\n22.01.17\n\n22.01.17.1\n\n22.01.18\n\n22.01.19\n\n22.\n\n.20\n\n22.01.21\n\n22.01.22\n\n22.01.23\n\n22.01.24\n\n22.01.26\n\n22.0 .28\n\n22.01.30\n\n22.01.32\n\n22.01.34\n\n22.01.35\n\n22.01.37\n\n22.01.39\n\n22.01.41\n\n22.01.42\n\n22.01.44\n\n22.01.46\n\n22.01.47\n22.01.48\n\n22.02.06\n\n22.02.07\n22.02.08\n\n22.02.09\n\n22.03.18\n\n22.03.20\n\n22.03.22\n\n22.03.24\n\n22.03.26\n22.03.28\n\n22.03.30\n\n22.03.32\n\n22.03.34\n\n22.03.36\n.38\n22.\n\n22.03.40\n\n22.03.42\n\n22.03.44\n\n22.03.46\n\n22.03.48\n\n22.04.06\n\n22.04.07\n\n22.04.08\n\n22.04.09\n\n22.01.25\n\n22.01.27\n\n22.01.29\n\n22.01.31\n\n22.01.33\n\n22.01.36\n\n22.01.38\n22.01.40\n\n22.01.43\n\n22.01.45\n\n22.01.49\n\n22.02.05\n\n22.03.19\n\n22.03.21\n\n22.03.23\n\n22.03.25\n\n22.03.27\n\n22.03.29\n\n22.03.31\n\n22.03.33\n\n22.03.35\n22.03.37\n22.03.39\n\n22.0 .41\n\n22.03.43\n\n22.03.45\n\n22.03.47\n22.03.49\n\n22.04.05\n\n22.01.02\n22.01.03\n"}
diff --git a/chunks/json/26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1.json b/chunks/json/26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1.json
new file mode 100644
index 0000000000000000000000000000000000000000..53564ff190fc01942b6c8ee1b13ca07311394102
--- /dev/null
+++ b/chunks/json/26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":46387,"char_start":44430,"chunk_id":"chk_03b8c93075b3a255","chunk_index":26,"chunk_sha256":"26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1","token_estimate":489,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"1 = Yes (has some type of Federal\nGuarantee)\n2 = No\n3 = FHA Risk Sharing\n9 = Not available\n1 = 5 to 24 units\n2 = 25 to 50\n3 = 51 to 99\n4 = 100 to 149\n5 = Over 149\n9 = Unknown\n\nThe PUDB binning differs from the CFPB bins\nfor the HMDA dataset (25-49 and 50-99) in\norder to allow alignment with FHFA’s\nregulatory definition of ‘‘small multifamily\nproperty’’ as “at least 5 dwelling units but no\nmore than 50 dwelling units” in 12 CFR\n1282.1.\n\nEnd of MF NFP\n\nMF NFP\n\n35\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nNational File Unit Class Level\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n1\n\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\n2\n\n8\n\nrecord_num_mf_nf\n\nRecord Number\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\n3\n\n4\n\n1\n\n6\n\ntype_bed_num\n\ntype_units_num\n\nUnit Type XX-Number of\nBedrooms\nUnit Type XX-Number of\nUnits\n\n1 = 0-1 bedroom\n2 = 2 or more bedrooms\nExample of data format: 16.0 = this\nrecord represents 16.0 units with the\nsame number of bedrooms and\naffordability level\n\nFlag identifying whether the mortgage was\npurchased by Fannie Mae or by Freddie Mac.\nFannie Mae and Freddie Mac are collectively\nreferred to as the Enterprises in this\ndocument.\nSequential numerical identifier matching the\nrecord number in the associated multifamily\nNational File property record. More than one\nunit class record bearing the same record\nnumber will generally be present,\ncorresponding to the different unit types for\nwhich the Enterprise reported information for\nthe mortgage. Each “unit type” is defined by a\nparticular number of bedrooms (0, 1, 2, ...)\nand actual or average rent for the units of that\ntype. Unit types are defined by the Enterprises\nfor each multifamily property. Each individual\nunit may be reported as a single unit class\nrecord, one for each unit in the property.\n"}
diff --git a/chunks/json/268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40.json b/chunks/json/268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40.json
new file mode 100644
index 0000000000000000000000000000000000000000..e89ad2b05a73cec37eb941603443e9aacf5913e5
--- /dev/null
+++ b/chunks/json/268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4220,"char_start":2961,"chunk_id":"chk_6fb6e0bd725a440a","chunk_index":1,"chunk_sha256":"268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40","token_estimate":345,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Data Standards File Formats Specification\n\n- [DU Specification](/media/document/xlsx/du-specification)\n - [Fannie Mae DU Schemas](/media/document/zip/fannie-mae-du-schemas)\n\n##### Data Standards Supporting Resources\n\n- [DU Implementation Guide](https://singlefamily.fanniemae.com/media/document/pdf/du-implementation-guide)\n - [Frequently Asked Questions for the DU Spec](/media/document/pdf/frequently-asked-questions-du-spec)\n - [Overview: Desktop Underwriter Specification for the Uniform Residential Loan Application (URLA)](/media/document/pdf/overview-du-specification)\n - [ULAD Data Relationships Using Xlink and MISMO Arcroles](/media/document/pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles)\n - [DU Findings Report General Specifications](/media/document/pdf/du-findings-report-general-specifications)\n - [DU Error Codes](/media/document/xlsx/du-error-codes)\n - [Credit Provider Name and Code Update Information](/media/document/xlsx/credit-provider-name-and-code-update-information)\n - [DO/DU ARM Plan Numbers](/media/document/xls/dodu-arm-plan-numbers)\n - [FHA County Names (.txt)](/media/document/txt/fha-county-names-txt)\n - [FHA County Names (.xls)](/media/document/xls/fha-county-names-xls)\n\n##### Integration Impact Memos\n"}
diff --git a/chunks/json/2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f.json b/chunks/json/2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d56ed6478031b34044faeb349920a0e9fe9b824
--- /dev/null
+++ b/chunks/json/2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_55ac329a06f66f84","chunk_index":0,"chunk_sha256":"2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_99401d740d4c4f1e","text_sha256":"2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-aug-19-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1 Aug. Update\n\nJune 7, 2023\n\nUpdated July 12, 2023\n\nDuring the weekend of Aug. 19, 2023, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the\nchanges described below. The changes in this release will apply to DU Version 11.1 loan casefiles submitted or resubmitted on\nor after the weekend of Aug. 19, 2023.\n\nThe changes in this release include the following:\n▪ Technical Updates\n▪ Property and Appraisal Updates\n▪ DU Validation Service Update\n▪ New Duty to Serve Message\n▪ Updates to Align with the Selling Guide\n\nTechnical Updates\n\nTechnical changes will be made to enhance the DU platform. These changes will have no impact on DU’s risk or eligibility\nassessment.\n\nProperty and Appraisal Updates (added to release notes July 12, 2023)\n\nValue Acceptance + Property Data\n\nDU will no longer display a green checkmark in The Day 1 Certainty Property Information section (as shown below) when the\nlender receives the message stating the loan is eligible for value acceptance + property data but that eligibility is contingent\nupon the submission of property data to the Fannie Mae Property Data API.\n\nDU will continue to display the green checkmark in the Day 1 Certainty Property Information section when able to determine the\nproperty data was submitted to the API.\n\n© 2023 Fannie Mae.\n\n7.12.23\n\n1 of 3\n\nTraditional Appraisal Message Update\n\nThe traditional (Form 1004) appraisal message will be updated to specify that the loan casefile may also be eligible for other\nproperty assessment and valuation options and that all eligible options will be displayed in the Property and Appraisal\nInformation section of the DU Underwriting Findings report.\n"}
diff --git a/chunks/json/269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a.json b/chunks/json/269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a.json
new file mode 100644
index 0000000000000000000000000000000000000000..0993640a432654584d8e3f7a4792a1ece2d52e64
--- /dev/null
+++ b/chunks/json/269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1652,"char_start":0,"chunk_id":"chk_998a7b75ec2b3109","chunk_index":0,"chunk_sha256":"269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d9c3c3426562f28","text_sha256":"269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucdp-change-notification-july-14-2018.pdf"]},"text":"Large Submission Reporting Enhancements to UCDP and Fannie Mae\nAppraisal Messaging Change\n\nTuesday, July 10, 2018\n\nLarge submission reporting enhancements to UCDP\n\nDuring the weekend of July 14, Fannie Mae and Freddie Mac will make enhancements to the Uniform Collateral Data\nPortal® (UCDP®) to improve performance when running reports on a large number of submissions. Updates include:\n• Downloadable reports will be available for direct export in Excel file format, bypassing on-screen display in the\n\nReport Viewer. This option will be available with the following reports:\n\no Appraisal Failure Details Report\no Appraisal Failure Summary Report\no Appraisal Submission Status Report\n\n• Output Format and Frequency columns will be displayed for scheduled reports in My Reports, as applicable.\n• Hard Stop conditions in the Appraisal Failure Details Report will be listed in one field instead of separate columns.\n\nAn updated UCDP User Guide will reflect these changes as of Monday, July 16.\n\nFannie Mae appraisal messaging change\n\nDue to updates we made to simplify our condo policies last month, a Fannie Mae message in UCDP will change as of\nSaturday, July 14.\n\nFNM0176 will become inactive.\n[DELETED] The appraisal indicates that the subject property has legal nonconforming zoning and cannot be rebuilt to the\ncurrent density. This data indicates that the property is ineligible for delivery to Fannie Mae.\n\nThis change will be reflected in an updated UCDP User Guide for Fannie Mae Messaging, available on Monday, July 16.\n\nFor more information on UCDP, see the UCDP web page or call 1-800-2FANNIE (1-800-232-6643), Option 1 (technology\nsupport).\n"}
diff --git a/chunks/json/26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e.json b/chunks/json/26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e.json
new file mode 100644
index 0000000000000000000000000000000000000000..a68495f5d6c3959614675ecc2196cee2037dcdee
--- /dev/null
+++ b/chunks/json/26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_3c8caae6d2dfa81a","chunk_index":0,"chunk_sha256":"26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/enterprise-housing-goals\"\ndate_accessed: \"2026-01-27T17:48:04.890Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48.json b/chunks/json/26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48.json
new file mode 100644
index 0000000000000000000000000000000000000000..3e1e8fd28fde615f5de56216a6b4328b6bc64b4b
--- /dev/null
+++ b/chunks/json/26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4324,"char_start":3281,"chunk_id":"chk_74867a5c0fad0deb","chunk_index":2,"chunk_sha256":"26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d3d9d1c5bf241b45","text_sha256":"26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48","token_estimate":261,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/dudo-integration-impact-memo-mar-22-2025.pdf"]},"text":"Modified\n(effective post\n3/21 weekend)\n\nDU is unable to evaluate this\nemployment record from this\nvendor\n\nAdded (effective\npost 4/4)\n\nUnable to match DU employer\nname with military income\n\nThis reason code will be returned if the\ndata received from the vendor for this\nemployment record is not eligible for\nevaluation.\nThis reason code will be returned\nwhen military income cannot be\nvalidated using the asset verification\nreport because the DU employer name\ndoes not match a deposit description.\n\nThe new DU messages will be implemented in the DU integration environment on or around Feb. 19, 2025; the DU validation\nservice changes will be implemented in the DU integration environment on or about March 5, 2025.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. Visit the website for more information about DU or the DU validation service, or\ncontact your Fannie Mae representative.\n\n© 2025 Fannie Mae 2.19.25\n\n2 of 2\n"}
diff --git a/chunks/json/26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1.json b/chunks/json/26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1.json
new file mode 100644
index 0000000000000000000000000000000000000000..fd70378ae008f9b6b9652fef8d4b67721217614f
--- /dev/null
+++ b/chunks/json/26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":72530,"char_start":72060,"chunk_id":"chk_0dbe64651e4192d6","chunk_index":117,"chunk_sha256":"26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Reconsideration of Value ......................................................................................................................................................................................................... 359\n\n28 Supplemental Information .............................................................................................................................................................................................................. 361\n"}
diff --git a/chunks/json/26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0.json b/chunks/json/26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0.json
new file mode 100644
index 0000000000000000000000000000000000000000..16d5c00481d8d414d4658736696fdf2ba1b81281
--- /dev/null
+++ b/chunks/json/26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":432354,"char_start":430620,"chunk_id":"chk_f7ad57fd9658f3db","chunk_index":253,"chunk_sha256":"26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to describe the\nproperty off-site improvement specified by\nProperty Off Site Improvement Feature\nType.\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Street']/@_Description\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Street' and @_OwnershipType='Public']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Street' and @_OwnershipType='Private']/@_ExistsIndicator\n\n1\n\n1\n\n25\n\n25\n\n1\n\n1\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nIf no sanitary sewer service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nIf no sanitary sewer service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of the sanitary sewer service if present and not\npublic. If no sanitary sewer service is present, enter 'None' in the description field..\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the street type. The value 'None' should be indicated if none\nis present.\n\nString\n\nString\n\nBoolean\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n"}
diff --git a/chunks/json/26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750.json b/chunks/json/26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750.json
new file mode 100644
index 0000000000000000000000000000000000000000..15bb90b77e407db74613c8a14e1b99a8e4818d1d
--- /dev/null
+++ b/chunks/json/26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1101156,"char_start":1099546,"chunk_id":"chk_4a1fa3703fe3d65e","chunk_index":654,"chunk_sha256":"26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\n\nA value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box is\nnot checked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the other amenities. If there are no other\namenities indicate 'None'.\n\n182\n\nIMPROVEMENTS\n\nCar Storage\nNone\n\nCar Storage Exists\nIndicator\n\nIndicates if there is any car storage\navailable for a residence such as a garage,\ncarport or driveway.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/@_ExistsIndicator\n\n1\n\nBoolean\n\nA value of 'N' indicates there is no car storage. A value of 'Y' indicates the box was\nnot checked.\n\n185\n\nIMPROVEMENTS Driveway Surface\n\nSite Feature\nComment\n\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type\n='Driveway']/@_Comment\n\n20\n\nString\n\nThis field should contain a description of the driveway surface.\n\n190\n\n1\n\n183\n\nIMPROVEMENTS Driveway\n\nCar Storage\nLocation Exists\nIndicator\n\nIndicates that the type of car storage\ndescribed in Car Storage Location Type\nand Car Storage Attachment Type is\npresent.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/CAR_STORAGE_LOCATION[@_Type='Driveway']/@_ExistsIndicator\n\n184\n\nIMPROVEMENTS Driveway # of Cars\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/CAR_STORAGE_LOCATION[@_Type='Driveway']/@ParkingSpacesCou\nnt\n\n186\n\nIMPROVEMENTS Garage\n"}
diff --git a/chunks/json/26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96.json b/chunks/json/26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96.json
new file mode 100644
index 0000000000000000000000000000000000000000..2cdc5846ca5a0fe66719cfe80dc502631a8f1545
--- /dev/null
+++ b/chunks/json/26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":451210,"char_start":449602,"chunk_id":"chk_c356af958f25882f","chunk_index":267,"chunk_sha256":"26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dollar amount\n\nA classification or description of a loan generally based on the changeability of\nthe rate or payment over time.\n•\n•\n•\n\nAdjustable Rate\nFixed\nOther (Describe)\n\nThe portion of the project's unpaid blanket mortgage financing attributed to\nthe subject unit.\nCalculated: Pro Rata Share (Percent) x Unpaid Principal Balance\n\nDollar amount\n\nThe portion of the project's maximum line of credit attributed to the subject\nunit.\nCalculated: Pro Rata Share (Percent) x Line of Credit Maximum Amount\n\n18.036\n18.045\n18.054\n18.063\n\nPro Rata Share\nof Balance\nAttributable to\nUnit (Drawn:)\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nLine of Credit is Yes\n\nDollar amount\n\nThe portion of the project's drawn line of credit attributed to the subject unit.\nCalculated: Pro Rata Share (Percent) x Line of Credit Drawn Amount\nNote: If the line of credit is unused, enter 0.\n\nAppendix F-1: URAR Reference Guide\n\nPage 191 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nProject Factors and Impact to Value / Marketability\n\nThe Project Factors table provides information about relevant project factors that may impact the value and\nmarketability of the units within the project, such as control of the project and amenities, ownership,\ncommercial use, special assessments, and legal issues. Each project factor requires a determination of the\nimpact to value and / or marketability.\n\nThe appearance of the Project Factors table varies based on the details of the property being appraised. This\nsample shows all possible rows that may display.\n\nDeveloper/Sponsor in Control\n"}
diff --git a/chunks/json/26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474.json b/chunks/json/26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474.json
new file mode 100644
index 0000000000000000000000000000000000000000..67451852929a0ff13a438cd6420e9a7e7b5d095e
--- /dev/null
+++ b/chunks/json/26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":320534,"char_start":318907,"chunk_id":"chk_c4b3ae96ec617ec1","chunk_index":269,"chunk_sha256":"26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474","token_estimate":407,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display when PropertyInProjectIndicator = \"true\"\n\n2500.0061 ProjectDwellingUnitsForSaleCount\n\nDisplay when PropertyInProjectIndicator = \"true\"\n\n2500.0062 ProjectDwellingUnitsRentedCount\n\nDisplay when PropertyInProjectIndicator = \"true\"\n\n2500.0161 ProjectDwellingUnitsRentedEstimateIndicator When “true”, display ~ before Units Rented.\n\n18.010 Reason Units Rented is Estimated\n\n2500.0162 ProjectDwellingUnitsRentedEstimateDescription Display when ProjectDwellingUnitsRentedEstimateIndicator = \"true\"\n\n18.011 Monthly Amount\n\n18.012\n\nCommon Amenities/Services Included\n\n2500.0006 AssociationChargeType\n\n2500.0007 AssociationChargeAmount\n2500.0004 AmenityType\n\n18.012 Common Amenities/Services Included\n\n2500.0002 AmenityOwnershipType\n\n18.013 Utilities Included\n\n2500.0009 AssociationChargeIncludesUtilityType\n\n18.014 Observed Deficiencies\n\n2500.0033 ProjectDeficiencyObservedIndicator\n\nWhen PropertyInProjectIndicator = \"true\" OR PUDIndicator = \"true\" AND\nAssociationChargeType = \"AssociationDues\" display\nAssociationChargeAmount. Amount can be zero.\nDisplay when AssociationChargeType = \"AssociationDues\"\nDisplay when PropertyInProjectIndicator = \"true\" OR PUDIndicator =\n\"true\"\nIf multiple, display as stacked.\nDisplay when AmenityType = \"BoatSlip\" OR \"UnitStorage\".\nDisplay in () next to Amenity Type\nDisplay when AssociationChargeType = \"AssociationDues\".\nIf multiple, display as stacked.\nCheckbox always displays.\n\n18.015 Description of Deficiencies\n\n2500.0032 ProjectConditionAndQualityDescription\n\nDisplay when ProjectDeficiencyObservedIndicator = \"true\"\n\n18.016\n\nAre units, common areas, and amenities\nin project complete?\n"}
diff --git a/chunks/json/26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96.json b/chunks/json/26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96.json
new file mode 100644
index 0000000000000000000000000000000000000000..c97ebb08575c575f761d002d0bd0c10531737185
--- /dev/null
+++ b/chunks/json/26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":325685,"char_start":323302,"chunk_id":"chk_5c20f85ab8ca4097","chunk_index":186,"chunk_sha256":"26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96","token_estimate":596,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 71. Signs for Unique Data Points Populating Multiple Form Fields.\n\nForm Field IDs\n\nForm Field Names\n\nData Points\n\nSign in UCD File\n\n▪ Integrated Disclosure Section Type = “Total\n\nClosing Costs”\n\n▪ Integrated Disclosure Section Total Amount\n\n▪ Integrated Disclosure Section Type = “Lender\n\nCredit”\n\n▪ Integrated Disclosure Subsection Payment\n\nAmount\n\n▪ Cash From Borrower At Closing Amount\n▪ Cash To Borrower At Closing Amount\n\n6.1 | 6.1.1\n\nClosing Costs\n\n9.1 | 9.1.1\n\nTOTAL CLOSING COSTS\n(Borrower Paid)\n\n6.1.4\n\nLender Credits\n\n9.3 | 9.3.2\n\nLender Credits\n\n6.2 | 6.2.1\n\n(Purchase)\n\n13.3 | 13.3.1\n\n(Purchase)\n\n6.2 | 6.2.1\n\n(Refinance)\n\n10.9.2 | 10.9.4\n\n(Refinance)\n\n12.1 | 12.0.1\n\nCash to Close\n\nCash to Close oFrom oTo\nBorrower\n\nCash to Close oFrom oTo\nBorrower\n\nL. Paid Already by or on Behalf\nof Borrower at Closing\n\n13.0 | 13.2.1\n\nTotal Paid Already by or on\nbehalf of Borrower at Closing (L)\n\nCash to Close oFrom oTo\nBorrower\n\n▪ Cash From Borrower At Closing Amount\n▪ Cash To Borrower At Closing Amount\n\n▪ Integrated Disclosure Section Type = Paid\nAlready By Or On Behalf Of Borrower At\nClosing\n\n▪ Integrated Disclosure Section Total Amount\n\n25.2 | 25.2.1\n\nK. TOTAL PAYOFFS AND\nPAYMENTS\n\n▪ Integrated Disclosure Section Type = Total\n\nPayoffs And Payments\n\n▪ Integrated Disclosure Section Total Amount\n\nUCD v2.0 Implementation Guide\n\n- 151 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix C. UCD v2.0 EXTENSIONS\n\nAPPENDIX C. UCD V2.0 EXTENSIONS\n\nA. INTRODUCTION TO EXTENSIONS\n\nIn the MISMO V3 Reference Model, every container element includes one Extension element. The EXTENSION container\nprovides maximum flexibility to a given version of a MISMO message by establishing a structured framework for adding data.\nOrganizations can take advantage of XML namespaces to place needed data points that are not yet defined in the MISMO\nstandard, or proprietary data points that would never be included in the MISMO standard, into a message for exchange with\nbusiness partners. The definition of the EXTENSION container makes it possible to add additional content yet still validate\nagainst the MISMO standardized Schema. (MISMO_V3_Reference Model General I-Guide (2018-05-10).pdf, available to\nMISMO subscribers from the Resource Library and accessed 3-19-2023). MISMO provides an Engineering Guideline on how\nto use Extensions in v3.n, MEG 0025, also accessible from mismo.org.\n"}
diff --git a/chunks/json/26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce.json b/chunks/json/26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce.json
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index 0000000000000000000000000000000000000000..3d235cec8ffbeefb64bc0c3bb4eb5026b8c90eb7
--- /dev/null
+++ b/chunks/json/26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":368510,"char_start":366825,"chunk_id":"chk_8b7f7908344ed58c","chunk_index":297,"chunk_sha256":"26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce","token_estimate":421,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"➢ No rows are required (Always)\n➢\n➢\n➢\n\n1 row is conditionally required (If Applicable)\n1 row is conditionally required (If Applicable), or may be provided (If Relevant)\n2 rows may be provided (If Relevant)\n\nFigure 22 - 8\n\nSite\n\nThe Site subsection always displays in the Sales Comparison Approach section.\n\nSite is the second of six subsections that has adjustments at the row level.\n\nThere are 16 defined rows in this subsection.\n\n➢\n➢\n➢\n➢\n\n1 row is required (Always)\n2 rows are conditionally required (If Applicable)\n12 rows may be provided (If Relevant)\nAdditional rows may be added to this section\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 22 - 9\n\nPage 284\n\nWater Frontage with Private Access\n\nThe Water Frontage with Private Access subsection displays when SiteInfluenceType - ((Subject UID: 1500.0087, FID: 22.03.13) (Comp UID:\n1800.0228, FID: 22.03.42)) = \"BodyOfWater\" and PrivateAccessIndicator - ((Subject UID: 1500.0075, FID: 22.04.01) (Comp UID:1800.0279,\nFID:22.04.06)) = “true” for either the subject or comparables.\n\nWater Frontage with Private Access is the second of four subsections that has an overall adjustment at the subsection header level.\n\nThere are 4 defined rows in this subsection.\n\n➢ No rows are required (Always)\n➢\n➢\n\n1 row is conditionally required (If Applicable) – with the same conditionality as the Water Frontage with Private Access gray bar\n3 rows may be provided (If Relevant)\n\nFigure 22 - 10\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDwelling(s)\n\nThe Dwelling(s) subsection always displays in the Sales Comparison Approach section. It references buildings where ImprovementType (UID:\n0300.0009, FID: Not on report) = “Dwelling”.\n"}
diff --git a/chunks/json/26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f.json b/chunks/json/26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f.json
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index 0000000000000000000000000000000000000000..a3f3de76e2581c30ca283fbcac0aa8c593325659
--- /dev/null
+++ b/chunks/json/26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10375,"char_start":8705,"chunk_id":"chk_1a0bf491d351d1ad","chunk_index":5,"chunk_sha256":"26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1ab6b983690007f8","text_sha256":"26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Policy___FHFA_wh72h5.md"]},"text":"[View bulletins](/advisory-bulletin)\n\n- ## Credit Scores\n\nFHFA’s review of c​hanging Fannie Mae and Freddie Mac's credit score requirements.\n\n[View info](/policy/credit-scores)\n\n- ## Fannie Mae & Freddie Mac Affordable Housing Allocations\n\nRequirements for the purchase of single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80% of the value of the underlying property.\n\n[View info](/policy/enterprise-affordable-housing-allocations)\n\n- ## FHFA Statements on Credit Risk Transfer\n\nPrograms to reduce taxpayer exposure to risks arising from credit guarantees extended by the Enterprises through their normal courses of business.\n\n[View info](/policy/fhfa-statements-credit-risk-transfer)\n\n- ## Mortgage Servicing\n\nDevelopment and implementation of programs and initiatives to address challenges in the servicing market.\n\n[View info](/policy/mortgage-servicing)\n\n- ## Principal Reduction Modification\n\nInformation about targeted Principal Reduction Modification program FHFA has directed the Enterprises to implement.\n\n[View info](/policy/principal-reduction-modification)\n\n- ## Single Security Initiative and Common Securitization Platform\n\nDevelopment of a securitization infrastructure for the Enterprises for mortgage loans backed by single-family properties.\n\n[View info](/policy/single-security-initiative-and-common-securitization-platform)\n\n- ## Alternative Mortgage Servicing Compensation Initiative\n\nConsideration of alternatives for future mortgage servicing structures and servicing compensation for single-family loans.\n\n[View Info](/policy/alternative-mortgage-servicing-compensation-initiative)\n"}
diff --git a/chunks/json/26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324.json b/chunks/json/26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324.json
new file mode 100644
index 0000000000000000000000000000000000000000..7d9c2a6f6540504c0837fb7d6e7da1c13cbee38c
--- /dev/null
+++ b/chunks/json/26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":154782,"char_start":153249,"chunk_id":"chk_9f5052301d122742","chunk_index":71,"chunk_sha256":"26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.0 Loan Terms\n\n4.1 Loan Amount\n\nCan this amount increase after closing?\n\n4.1.1 $162,000\n\n4.1.2 NO\n\n4.1.3\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 YES\n\n4.2.3 • Adjusts every 3 years starting in year 6\n• Can go as high as 12% in year 15\n• See AIR Table on page 4 for details\n\nFigure 37. Loan Terms Table – Interest Rate Can Increase\n\nTable 52. Interest Rate Can Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\n4.2.3\n4.2.3\n\nCan go as high as n%\nin year n\n\n…/AMORTIZATION_R\nULE\n\nAmortizationType\n\nAdjustableRate\n\n…/LOAN_DETAIL\n\nBuydownTemporary\nSubsidyFundingIndic\nator\n\nfalse\n\nRepresented as “Can\ngo …” on form\n\nNot shown -\nIndicates need for\nadditional data\npoints\n\nAppendix E: UCD Implementation Guide\n\nPage 66 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nTable 52. Interest Rate Can Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\n4.2.2\n\nCan this amount\nincrease…?\n\nInterestRateIncrease\nIndicator\n\ntrue\n\nRepresented as\n“YES” on form\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $162,000\n\n4.1.2 NO\n\n4.1.3\n\n4.2 Interest Rate\n\n4.2.1 2.875%\n\n4.2.2 YES\n\n4.2.3 • Adjusts every 3 years starting in year 6\n• Goes as high as 12% in year 15\n• See AIR Table on page 4 for details\n\nFigure 38. Loan Terms Table – Interest Will Increase\n\nTable 53. Interest Rate Will Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Extension MISMO v3.3.0 Value\n\nNotes\n"}
diff --git a/chunks/json/271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28.json b/chunks/json/271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28.json
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index 0000000000000000000000000000000000000000..d850d9f61cec55f10b73696d34dea0c1b2773b57
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+++ b/chunks/json/271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":215577,"char_start":213967,"chunk_id":"chk_fec047a75c0f0b0c","chunk_index":206,"chunk_sha256":"271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"<VALUATION_COMMENTARY>\n\n<ValuationAnalysisCategoryType>Sketch</ValuationAnalysisCategoryType>\n<ValuationCommentText>Commentary may be added here.</ValuationCommentText>\n\n</VALUATION_COMMENTARY>\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n08 Dwelling Exterior\n\nPage 153\n\nThe Dwelling Exterior section provides information about the exterior of each dwelling and mechanical system details. This section provides\nspace for additional commentary, exhibits, and any apparent defects, damages, or deficiencies related to the dwelling exterior or mechanical\nsystems. The section repeats for each dwelling on the property.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 154\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Dwelling Exterior section displays when ImprovementType (UID: 0300.0009, FID: Not on report) = “Dwelling”. At least one instance of the\nDwelling Exterior section must display and repeats for each dwelling. The StructureIdentifier (UID: 0300.0101, FID: 8.000) displays in the black\ntab when LivingUnitExcludingADUCount (UID: 0100.0022, FID: 3.005) > 1; display as Dwelling Exterior - [Structure Identifier]. (Figure 8 - 1)\n\nA photo showing the front of the dwelling always displays in this section and is delivered using ImageCategoryType (UID: 1400.0619, FID:\n8.000.1) = “DwellingFront”. A caption does not display with this image. (Figure 8 - 1)\n\nFigure 8 - 1\n\nPage 155\n\nDwelling Exterior: General Information\n\nReport\nField ID\n\n8.001\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nDisplay when ImprovementType = \"Dwelling” AND…\n\nSubject Property Units in\nStructure\n"}
diff --git a/chunks/json/2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69.json b/chunks/json/2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69.json
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index 0000000000000000000000000000000000000000..4dcb26dd339a826e65dd03057032d6bff668149e
--- /dev/null
+++ b/chunks/json/2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5093,"char_start":3282,"chunk_id":"chk_1a941b31a1443efa","chunk_index":2,"chunk_sha256":"2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8e3d94901b655c7c","text_sha256":"2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae4.md"]},"text":"[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf)\n\n##### Condition and Quality Rating Definitions PDF\n\nPDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf)\n\n##### Partner Playbook\n\nDesigned to help industry partners prepare for the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/34686/display)\n\n##### Servicer Preparedness\n\nPrepares servicers for the transition for UAD 3.6.\n\n[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers)\n\n##### Inspection and Reporting Tips\n\nAppraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6\n\n[Learn more **](/media/43946/display)\n\n##### UAD 3.6 Selling Guide Supplement\n\nAccess UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide.\n\n[Learn more **](/media/42571/display)\n\n##### UAD and Forms Redesign Timeline\n\nDetailed timeline outlines specific dates for each implementation phase to help the industry prepare.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/25391/display)\n\n##### Industry Training for the New UAD and URAR\n\nNew URAR course educates industry on the dynamic appraisal reports and updated dataset.\n\n[Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html)\n\n##### Lender Readiness Kit\n\nThis document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way.\n"}
diff --git a/chunks/json/2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f.json b/chunks/json/2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f.json
new file mode 100644
index 0000000000000000000000000000000000000000..26f3aaaf5ca5cfa6744bf45f5abc347d38680ddd
--- /dev/null
+++ b/chunks/json/2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5091,"char_start":3241,"chunk_id":"chk_61f2628951a44a68","chunk_index":2,"chunk_sha256":"2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f","token_estimate":463,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Metropolitan Statistical\nArea (MSA) Code\n\n1 = Metropolitan area\n0 = Non-metropolitan area\n\ntract_minority_cat\n\n2020 Census Tract -\nPercent Minority\n\n5\n\n1\n\ntract_income_cat\n\nTract Income Ratio\n\n1 = >=0, <10%\n2 = >=10, <30%\n3 = >=30, <=100%\n9 = Missing\n\n1 = >0, <=80%\n2 = >80, <=120%\n3 = >120%\n9 = Missing\n\nFlag identifying whether the mortgage was\npurchased by Fannie Mae or by Freddie Mac.\nFannie Mae and Freddie Mac are collectively\nreferred to as the Enterprises in this\ndocument.\nSequential numerical identifier for the\nproperty not related to the record number in\nthe Census Tract File or the other National\nFiles.\nLocation of the property based on the MSA\ndefinitions in effect on January 1, 2024.\n\nThe percentage of the census tract’s\npopulation that is classified as belonging to a\nminority group, based on the 2020 decennial\ncensus. See definition of Minority in 12 CFR\n1282.1.\nThe ratio of the 2020 census tract median\nincome to the local area median income. This\nis the ratio used to determine whether the\ncensus tract qualifies as a low-income area for\npurposes of the single-family low-income\nareas housing goal. See definition of Families\nin low-income areas in 12 CFR 1282.1.\n\nSF NFA\n\n3\n\nFederal Housing\nFinance Agency\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File A\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nField # Field\nWidth\n1\n\n6\n\nincome_cat\n\nBorrower Income Ratio\n\n1 = >= 0, <=50%\n2 = >50, <=80%\n3 = >80%\n9 = Not applicable\n\nThe ratio of the borrower’s (or borrowers’)\nannual income to the area median family\nincome for the reporting year. This is the ratio\nused to determine whether borrower’s (or\nborrowers’) income qualifies for an income-\nbased housing goal. This is the ratio defined at\n12 CFR 1282.15(b)(1) for owner-occupied\nunits.\n"}
diff --git a/chunks/json/272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5.json b/chunks/json/272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5.json
new file mode 100644
index 0000000000000000000000000000000000000000..a5119e1ff15a2d2a122d34620e1d4f89c4169498
--- /dev/null
+++ b/chunks/json/272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":258508,"char_start":256724,"chunk_id":"chk_f27827c79a44fbe9","chunk_index":144,"chunk_sha256":"272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5","token_estimate":446,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions,\nthe appraiser must select sales that represent the best indicators of value for the subject property and make market supported\nadjustments to reflect the actions of typical purchasers in that market.\n\nSales or Financing Concessions\n\nComparable sales that include sales or financing concessions must be adjusted to reflect the impact, if any, on the sales price of\nthe comparables based on the market at the time of sale. For information related to sales or financing concessions for the subject\ntransaction, see Selling Guide B3-4.1-02, Interested Party Contributions (IPCs).\n\nExamples of sales or financing concessions include:\n\ninterest rate buydowns or other below-market rate financing;\nloan discount points;\nloan origination fees;\nclosing costs customarily paid by the buyer;\n\n•\n•\n•\n•\n• payment of condo, co-op, or PUD fees or assessment charges;\n•\n•\n•\n•\n\nrefunds of (or credit for) the borrower’s expenses;\nabsorption of monthly payments;\nassignment of rent payments; and\ninclusion of non-realty items in the transaction.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 99 of 166\n\nUAD 3.6 Policy\n\nThe dollar amount of sales or financing concessions paid by the seller must be reported for each comparable sale if the\ninformation is reasonably available (see UAD Specification Appendix F-1: URAR Reference Guide). Sales or financing data should be\nobtained from parties associated with the comparable transaction, such as the broker, buyer or seller, or a reliable data source. If\ninformation is not available because of legal restrictions or other disclosure-related problems, the appraiser must explain why the\ninformation is not available.\n"}
diff --git a/chunks/json/27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2.json b/chunks/json/27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2.json
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+{"chunk":{"char_end":195549,"char_start":193833,"chunk_id":"chk_ac860109b15885a9","chunk_index":114,"chunk_sha256":"27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2","token_estimate":429,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Indicates whether any part of an improvement is located within the boundary\nof a utility easement. Reference the appropriate government agency appraisal\nguidelines for more information.\n\nAppendix F-1: URAR Reference Guide\n\nPage 76 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nInformation for Each Utility\n\nThe appraiser must indicate whether each of the following utilities are connected to the site, and whether the\nutility is public or private.\n• Electricity\n• Gas\n• Sanitary Sewer\n• Water\n• Other (Describe) - if applicable\n\nFor private utilities and for government agency appraisals, additional information is required for each utility.\n\nExample:\n\nSite: Utilities\n\nReport Label\n\nWhen to Include\n\nAlways required\n\nElectricity\nGas\nSanitary Sewer\nWater\nOther (Describe)\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nPublic\nPrivate\n\nAlways required for\neach utility that is\nconnected to the site\n\nPublic or\nNon-Public\n\nReport\nField ID\n\n4.069\n4.075\n4.081\n4.087\n4.093\n\n4.070\n4.076\n4.082\n4.088\n4.094\n\n4.071\n4.077\n4.083\n4.089\n4.095\n\nDefinition / Additional Guidance\n\nElectricity\nGas\nSanitary Sewer\n\nUtility Type: Utilities that are permanently connected to the site.\n•\n•\n•\n• Water\n•\n\nOther (Describe)\n\nUtility Ownership: Indicates whether the utility is a public utility or a non-public\n(private) utility.\n•\n\nIf Public, a checkmark displays in the Public column for the indicated\nutility.\nIf Non-Public, a checkmark displays in the Private column for the indicated\nutility.\nIf neither public nor private, no checkmark displays for the row.\nIf there is no Electricity, Sanitary Sewer, or Water, provide details in Site\nCommentary (4.116).\n"}
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diff --git a/chunks/json/273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5.json b/chunks/json/273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5.json
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+{"chunk":{"char_end":14297,"char_start":10620,"chunk_id":"chk_c6f0e7147d00e185","chunk_index":6,"chunk_sha256":"273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e15e7e10c4f35593","text_sha256":"273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5","token_estimate":1237,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/No_FEAR_Report___U_S__FEDERAL_HOUSING_fvpo0j.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/326&order=field_release_date&sort=asc) Report Attachment October 28, 2025 [No Fear Act Data - Fourth Quarter 2025](/reports/no-fear-act/2025/Q4) [Read Report](/document/no-fear-act-data-2025-q4.pdf) July 30, 2025 [No Fear Act Data - Third Quarter 2025](/reports/no-fear-act/2025/Q3) [Read Report](/document/no-fear-act-data-fy25-q3) June 24, 2025 [No Fear Act Data - Second Quarter 2025](/reports/no-fear-act/2025/Q2) [Read Report](/document/no-fear-act-data-fy25-q2) May 14, 2025 [No FEAR Act Annual Report to Congress FY 2024](/no-fear-act-annual-report-to-congress-fy-2024) [Read Report](/document/fy-2024-no-fear-act-report) January 29, 2025 [No Fear Act Data - First Quarter 2025](/reports/no-fear-act/2025/Q1) [Read Report](/document/No-FEAR-Act-Q1-2025.pdf) October 10, 2024 [No Fear Act Data - Forth Quarter 2024](/reports/no-fear-act/2024/Q4) [Read Report](/document/no-fear-act-data-fy24-q4) July 24, 2024 [No Fear Act Data - Third Quarter 2024](/reports/no-fear-act/2024/Q3) [Read Report](/document/no-fear-act-data-fy24-q3) April 30, 2024 [No Fear Act Data - Second Quarter 2024](/reports/no-fear-act/2024/Q2) [Read Report](/document/no-fear-act-data-fy24-q2) March 29, 2024 [No FEAR Act Annual Report to Congress FY 2023](/reports/no-fear-act/annual-report-to-congress/2023) [Read Report](/document/fy-2023-no-fear-act-report) January 29, 2024 [No Fear Act Data - First Quarter 2024](/reports/no-fear-act/2024/Q1) [Read Report](/document/no-fear-act-data-first-quarter-2024) October 31, 2023 [No Fear Act Data - Fourth Quarter 2023](/reports/no-fear-act/2023/Q4) [Read Report](/media/51641) August 02, 2023 [No Fear Act Data - Third Quarter 2023](/reports/no-fear-act/2023/Q3) [Read Report](/media/51336) April 14, 2023 [No Fear Act Data - Second Quarter 2023](/reports/no-fear-act/2023/Q2) [Read Report](/document/no-fear-act-data-second-quarter-2023) March 29, 2023 [No FEAR Act Annual Report to Congress FY 2022](/reports/no-fear-act/annual-report-to-congress/2022) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-2022) January 27, 2023 [No Fear Act Data - First Quarter 2023](/reports/no-fear-act/2023/Q1) [Read Report](/media/33386) October 28, 2022 [No Fear Act Data - Fourth Quarter 2022](/reports/no-fear-act/2022/Q4) [Read Report](/media/30391) August 01, 2022 [No Fear Act Data - Third Quarter 2022](/reports/no-fear-act/2022/Q3) [Read Report](/document/fy22-3q-no-fear-act-data-report) April 28, 2022 [No Fear Act Data - Second Quarter 2022](/reports/no-fear-act/2022/Q2) [Read Report](/media/33506) March 29, 2022 [No FEAR Act Annual Report to Congress FY 2021](/reports/no-fear-act/annual-report-to-congress/2021) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-21) January 25, 2022 [No Fear Act Data - First Quarter 2022](/reports/no-fear-act/2022/Q1) [Read Report](/media/33381) November 12, 2021 [No FEAR Act Data - Fourth Quarter FY 2021](/reports/no-fear-act/2021/Q4) [Read Report](/document/fy21-4q-no-fear-act-data-report) July 30, 2021 [No FEAR Act Data - Third Quarter FY 2021](/reports/no-fear-act/2021/Q3) [Read Report](/document/no-fear-act-data-q3-2021) April 29, 2021 [No FEAR Act Data - Second Quarter FY 2021](/reports/no-fear-act/2021/Q2) [Read Report](/document/no-fear-act-data-q2-2021) March 29, 2021 [No FEAR Act Annual Report to Congress FY 2020](/reports/no-fear-act/annual-report-to-congress/2020) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-20) January 25, 2021 [No FEAR Act Data - First Quarter FY 2021](/reports/no-fear-act/2021/Q1) [Read Report](/document/no-fear-act-data-q1-2021)\n"}
diff --git a/chunks/json/275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed.json b/chunks/json/275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed.json
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+{"chunk":{"char_end":25823,"char_start":24213,"chunk_id":"chk_0c1f17b05ca24ee1","chunk_index":14,"chunk_sha256":"275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed","token_estimate":516,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"[View Request for Input](/sites/default/files/2023-05/CreditScore_RFI-2017.pdf) (Input was due March 30, 2018)\n\n[View Input Submitted](/public-input/2022-dts-affordable-housing-preservation) (Select *Credit Score*in the pull down)​​\n\n---\n\n[[1]](#ftnref1) Sec. 310 of the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018. This process is also governed by the Validation and Approval of Credit Score Models Rule (12 CFR Part 1254).\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626.json b/chunks/json/275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626.json
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+{"chunk":{"char_end":16226,"char_start":14625,"chunk_id":"chk_5882bf71fd970182","chunk_index":9,"chunk_sha256":"275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"[Day 2 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-manufactured-housing) - Duty to Serve Underserved Market Plans 2025-2027 - Manufactured Housing Market\n\n[Day 3 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-affordable-housing-preservation) - Duty to Serve Underserved Market Plans 2025-2027 - Affordable Housing Preservation\n\n[More Information](/programs/2023-duty-to-serve-public-listening-sessions)\n\n---\n\n## **May 2023**\n\n## **Save the Date: FHFA to Host Public Hearing on Appraisal Bias**\n\nDate: 5/19/2023\n\nTime: 10:00 AM - 1:00 PM ET\n\nThis event is the second public hearing in the Appraisal Subcommittee’s series of hearings related to the topic of appraisal bias. The intent of this hearing is to explore the appraiser regulatory system focusing on appraisal standards, appraiser qualification criteria and barriers to entry into the profession, appraisal practice, and State regulation.\n\n[Media Advisory - Witnesses](/media/51876) (4/25/2023) and [Video of Hearing​](https://www.youtube.com/watch?v=mc20kaNZTk8)​​ (5/19/2023)\n\n## **FHFA Spring Econ Summit**\n\nDate: 5/30/2023\n\nTime: 12:30 PM - 6:00 PM ET\n\nLocation: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219​\n\nTopic: Housing Market Challenges\n\n[More Information: Agenda, Speaker Profiles, Presentations](/news/public-engagements/econ-summit/spring-2023)\n\n---\n\n## **​January-March 2023**\n\n## **Wrap-Up Public Listening Session: FHLBank System at 100**\n\nDate: 3/22/2023, 3/23/2023, and 3/24/2023\n"}
diff --git a/chunks/json/2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d.json b/chunks/json/2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d.json
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+{"chunk":{"char_end":1635,"char_start":0,"chunk_id":"chk_1fe00ca07c67eba4","chunk_index":0,"chunk_sha256":"2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d","token_estimate":409,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"S\nU\nB\nJ\nE\nC\nT\n\n2 Uniform Residential Appraisal Report\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\nProperty Address 6\nBorrower 10\nLegal Description 13\nAssessor’s Parcel # 14\nNeighborhood Name 17\nOccupant Owner Tenant Vacant\n21\nProperty Rights Appraised Fee Simple Leasehold Other (describe) 31\nAssignment Type Purchase Transaction Refinance Transaction Other (describe) 35\nLender/Client 36\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No\nReport data source(s) used, offering price(s), and date(s). e-2; 40\n\nTax Year 15\nMap Reference 18\n\nR.E. Taxes $ 16\nCensus Tract 19\n\nState 8\nCounty 12\n\nOwner of Public Record 11\n\n34\nAddress 37\n\nSpecial Assessments $ 23\n\nCity 7\n\nZip Code 9\n\nHOA $ 25 per year per month\n\nPUD\n24\n\n29\n33\n\n4 4a\n\nFile # 3\n\n26\n\n20\n\n30\n\n28\n\n32\n\n22\n\n27\n\n39\n\n38\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nS\nI\nT\nE\n\nI\nM\nP\nR\nO\nV\nE\nM\nE\nN\nT\nS\n\n41\n\nI did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\n42\nperformed. e-3; 43\n\nContract Price $ 44\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No\nIf Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b\n\nIs the property seller the owner of public record? Yes No Data Source(s) 48\n"}
diff --git a/chunks/json/276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca.json b/chunks/json/276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca.json
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+++ b/chunks/json/276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13186,"char_start":11588,"chunk_id":"chk_81fcaea19f9e9237","chunk_index":7,"chunk_sha256":"276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"3,002 Sq. Ft.\n0 Sq. Ft.\n1,300 Sq. Ft.\n230 Sq. Ft.\nPhysical Measurement\n\nSimilar\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nPartially Below Grade\nInterior and Exterior Access\nWalk Out\n\nFinish\nFinished\n\nLevel 1\n\nAbove Grade\n\nUnfinished\n\nFinished\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n3\nOwner\n5\n3\n1\n\nArea\n1,300 Sq. Ft.\n\n230 Sq. Ft.\n\n1,470 Sq. Ft.\n\nRoom Summary\n1 - Bath - Half\n1 - Media Room\n1 - Recreation Room\n1 - Wet Bar\n\n1 - Bath - Full\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Office\n\n2 - Bath - Full\n4 - Bedroom\n1 - Laundry Room\n\nLevel 2\n\nAbove Grade\n\nFinished\n\n1,532 Sq. Ft.\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 2\n\nBath - Half\nLevel B1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nQuality Comment\nCorian Countertops,\nDouble Oven,\nHardwood floors.\n\nDouble Sink with\nseparate shower and\nextra-large tub, ceramic\nflooring.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\n\nTypical Wear and Tear\n\nCeramic flooring.\n\nTypical Wear and Tear\n\nCeramic flooring.\n\nTypical Wear and Tear\n\nFully Updated\n\n5–10 years\n\nCeramic flooring.\n\nTypical Wear and Tear\n\nHalf bath newer than\nrest of house.\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n"}
diff --git a/chunks/json/277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce.json b/chunks/json/277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce.json
new file mode 100644
index 0000000000000000000000000000000000000000..b73a199e6ad0fba74d1a015f22d295f274072784
--- /dev/null
+++ b/chunks/json/277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":867312,"char_start":865402,"chunk_id":"chk_629cdcb922fa5578","chunk_index":515,"chunk_sha256":"277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce","token_estimate":478,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/@_PostalCode\n\n13\n\n14\n\n15\n\n16\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nProject Name and\n\nProject Name\n\nThe name of the project in which subject\nproperty is located (e.g., the name of the\ncondominium or cooperative).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name\n\nPhase\n\nProject Phase\nIdentifier\n\nThe current phase number of a multi-\nphase development project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@PropertySalesAm\nount\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price/Gross Liv. Area\n\nSales Price Per\nGross Living Area\nAmount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This is a\nratio between the sales price and an area,\nbut it is a monetary value rather than a\nfactor or rate. (CALCULATED\nRESULTS FIELD)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@SalesPricePerGro\nssLivingAreaAmount\n\n40\n\n2\n\n10\n\n60\n\n20\n\n11\n\n12\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nPDF Display Format:\nWhole dollars only.\n\nPDF Display Format:\nWhole dollars only.\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nPDF Display Format:\nWhole dollars only.\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address elements must be included in\nthis field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\nThis data is referenced more than once on the form (fields 1-6, 3-11, 6-19), and must\nbe represented consistently to the extent that the available space permits.\n"}
diff --git a/chunks/json/278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db.json b/chunks/json/278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db.json
new file mode 100644
index 0000000000000000000000000000000000000000..df212ebeb2f4cf377d37a1c1d1ef939f2dc668f6
--- /dev/null
+++ b/chunks/json/278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3200,"char_start":1601,"chunk_id":"chk_2b219b9f44c09764","chunk_index":1,"chunk_sha256":"278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.xml/Coop1_Appraisal_v1.3.xml"]},"text":"\\\\Images\\Coop_Bedroom.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\n\\\\Images\\Coop_Dining_Room.png\n\nimage/png\n\nLevelOne\n\nDiningRoom\n\n\\\\Images\\Coop_Bath.png\n\nimage/png\n\nLevelOne\n\nBathroom has a new jacuzzi jetted tub and vanities, flooring, shower with subway tile, and upgraded shower head.\n\nTypicalWearAndTear\n\nHigh-end residential fixtures and nice decorative finishes\n\nFullBathroom\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\Coop_Kitchen.png\n\nimage/png\n\nLevelOne\n\nKitchen has been updated with new fixtures, flooring, and lighting.\n\nTypicalWearAndTear\n\nA mix of restaurant grade and high-end residential appliances\n\nKitchen\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\Coop_Living_Room.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\nHighrise\n\nTenOrMoreFeet\n\n1\n\n15\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nCentralized\n\nNaturalGas\n\nForcedWarmAir\n\nOther\n\nFire Suppression\n\ntrue\n\nPropertyPhoto\n\n\\\\Images\\Coop_Dwelling_Front.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\Coop_Dwelling_Front.png\n\nimage/png\n\nSubjectPropertyImprovementSketch\n\n\\\\Images\\Coop_Sketch.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\Coop_Sales_Map.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\Coop_Property_Access.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\Coop_Price_Trend_Graph.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\Coop_Dwelling_Rear.png\n\nimage/png\n\nParking Lot\n\nView\n\n\\\\Images\\Coop_View.png\n\nimage/png\n\nInground Pool\n\nProjectAmenity\n\n\\\\Images\\Coop_Pool.png\n\nimage/png\n\nTheater\n\nProjectAmenity\n\n\\\\Images\\Coop_Theater.png\n\nimage/png\n\n2019-08-28\n\nPhysical\n\nPhysical\n\n30\n\ntrue\n\n30\n\n585000\n\n585000\n\n2019-08-22\n\nDC-687541\n\n2019-07-23\n\nPending\n"}
diff --git a/chunks/json/2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2.json b/chunks/json/2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2.json
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index 0000000000000000000000000000000000000000..2b7eb927fab52891292fa0a0a1dd08270ba29fce
--- /dev/null
+++ b/chunks/json/2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":531877,"char_start":530255,"chunk_id":"chk_60e5b9faa91f4cb7","chunk_index":306,"chunk_sha256":"2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Company Name\n\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nEmpty Bank\n200 Tree St\nSomewhere, VA 12345\n\nIDK Appraisal Management\nCompany\n300 Main Ave\nSomewhere, VA 12345\n\nAgatha Appraiser\nXYZ Appraisals\n123 Main St\nNowhere, VA 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n09/08/2019\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n5419-2123.4\nVA\n04/30/2022\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n456 Something Rd\nSomewhere, VA 12345\nFabricated\nUnreal Farms\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n1\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\nCommunity Land Trust\n\nGround Rent Annual Amount\n\nRenewable\nExpires\n\nLeasehold\nNo\n$1,200\nYes\n06/2099\n\nDescription of Ground Rent and Impact to Value/Marketability\nLeasehold properties are common in the subject’s immediate\nmarket area with most leases having automatic renewal terms of\n50 or 100 years. The lease fees are generally minimal in comparison\nto property values and appear to have no impact on the value or\nmarketability of the properties. The appraisal utilizes 3 sales of\ncomparable leasehold properties from the subject’s neighborhood\nin the sales comparison approach.\n"}
diff --git a/chunks/json/2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d.json b/chunks/json/2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d.json
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index 0000000000000000000000000000000000000000..97b168bc2e03a6567f0cbfe46a18beba5a4f9f00
--- /dev/null
+++ b/chunks/json/2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18935,"char_start":17483,"chunk_id":"chk_7f40530a3a14805f","chunk_index":11,"chunk_sha256":"2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d","token_estimate":419,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"Financial Services\n\nWashington, DC](https://www.linkedin.com/company/ginnie-mae?trk=similar-pages)\n - [![image]() ### Capital One\n\nFinancial Services\n\nMcLean, Va](https://www.linkedin.com/company/capital-one?trk=similar-pages)\n - [![image]() ### National Low Income Housing Coalition\n\nPublic Policy Offices\n\nWashington, D.C.](https://www.linkedin.com/company/national-low-income-housing-coalition?trk=similar-pages)\n Show more similar pages Show fewer similar pages\n\n## Browse jobs\n\n- [### Analyst jobs\n\n694,057 open jobs](https://www.linkedin.com/jobs/analyst-jobs?trk=organization_guest-browse_jobs)\n - [### Real Estate Analyst jobs\n\n28,041 open jobs](https://www.linkedin.com/jobs/real-estate-analyst-jobs?trk=organization_guest-browse_jobs)\n - [### Budget Analyst jobs\n\n55,689 open jobs](https://www.linkedin.com/jobs/budget-analyst-jobs?trk=organization_guest-browse_jobs)\n - [### Real Estate Manager jobs\n\n19,557 open jobs](https://www.linkedin.com/jobs/real-estate-manager-jobs?trk=organization_guest-browse_jobs)\n - [### Financial Analyst jobs\n\n102,246 open jobs](https://www.linkedin.com/jobs/financial-analyst-jobs?trk=organization_guest-browse_jobs)\n - [### C Developer jobs\n\n35,747 open jobs](https://www.linkedin.com/jobs/c-developer-jobs?trk=organization_guest-browse_jobs)\n - [### Auditor jobs\n\n90,908 open jobs](https://www.linkedin.com/jobs/auditor-jobs?trk=organization_guest-browse_jobs)\n - [### Marketing Analyst jobs\n"}
diff --git a/chunks/json/279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d.json b/chunks/json/279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d.json
new file mode 100644
index 0000000000000000000000000000000000000000..a32d32c483a790a28412460a7e98361679d9ebfa
--- /dev/null
+++ b/chunks/json/279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":134483,"char_start":132802,"chunk_id":"chk_d480cdeb41162d67","chunk_index":157,"chunk_sha256":"279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d","token_estimate":420,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o Display the label Total Estimated Cost of Items Recommended for Repair and DefectCostToRepairTotalAmount (UID:\n\n3900.0002, FID: 1.083) below the table.\n\no Do not display the column Estimated Cost to Repair and Total Cost amount.\n\n• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “None”\n\no Do not display the column Estimated Cost to Repair and Total Cost amount or the label Total Estimated Cost of Items\n\nRecommended for Repair. (Figure 1 - 5)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nRecommended Action but no Estimated Cost to Repair\n\nFigure 1 - 5\n\nPage 77\n\nAs Is Overall Condition Rating\n\nWhen NewConstructionIndicator = \"false\" AND (PropertyValuationConditionalConclusionType = \"SubjectToCompletionPerPlans\" OR\n\"SubjectToRepair\")\n\n• Display As Is Overall Condition Rating – PropertyAsIsConditionRatingCode (UID: 1300.0034, FID: 1.082) and display static text in\nitalics, “Existing condition of the property as of the effective date of this appraisal, excluding all required repairs, alterations, or\ninspections” below label As Is Overall Condition Rating. (Figure 1 - 6)\n\nFigure 1 - 6\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n02 Assignment Information\n\nPage 78\n\nThe Assignment Information section provides information about the entities involved in the appraisal, and work completed by the\nappraiser and other parties. The section provides space for commentary and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Assignment Information section provides information about the entities involved in the appraisal, and work completed by the\nappraiser and other parties. This section provides space for additional commentary and exhibits.\n"}
diff --git a/chunks/json/27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc.json b/chunks/json/27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc.json
new file mode 100644
index 0000000000000000000000000000000000000000..008f5d6a42ac6ac6abfafb937d35fa64b4185549
--- /dev/null
+++ b/chunks/json/27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":251862,"char_start":250261,"chunk_id":"chk_a9305a41cad5c378","chunk_index":143,"chunk_sha256":"27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Figure 80. Rendering ConstructionLoanIndicator on the CD.\n\n3.0 Loan Information\n\n3.3 Product Construction\n\n5. DEMAND FEATURE\n\nThe DemandFeatureIndicator value shows whether the note permits the lender to demand early repayment of the loan.\n\nFigure 81. Rendering DemandFeatureIndicator on the CD.\n\nLoan Disclosures\n\n17.2 Demand Feature\n\n17.0\n\nYour loan\n has a demand feature, which permits your lender to require early repayment of the loan. You should review your note\nfor details.\n\n does not have a demand feature.\n\n6. ESCROW ACCOUNT\n\nLenders can establish an escrow account on behalf of the borrower to pay some or all property costs associated with the\n\nloan.\n\nThree distinct types of escrow data are specified in UCD v2.0:\n\ni.\n\nInitial escrow funds collected at closing\n\nii. Projected housing expenses included in the monthly payment and an indication whether they are escrowed\n\niii. The indication whether the loan has an escrow account, and if not, why not. In the XML file, the escrow account\n\ndecision data points are considered characteristics of the loan.\n\nFigure 82. Rendering Escrow Account Data on the CD.\n\n18.0 Escrow Account\n\nFor now, your loan\n\n18.1  will have an escrow account (also called an “impound” or “trust” account) to pay the property costs listed below….\n\n18.1, cont’d  will not have an escrow account because  you declined it  your lender does not offer one.\n\n7.\n\nINTEREST ONLY\n\nThe GSEs do not purchase loans with interest only terms, so the value for InterestOnlyIndicator should always be “false”.\n\nFigure 83. Rendering InterestOnlyIndicator on the CD.\n\nLoan Terms\n"}
diff --git a/chunks/json/27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3.json b/chunks/json/27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3.json
new file mode 100644
index 0000000000000000000000000000000000000000..37cc141c97575947eab33fdce5ad144ee1c2c3a9
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+++ b/chunks/json/27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":443871,"char_start":441921,"chunk_id":"chk_14c3bbef01d6dc70","chunk_index":251,"chunk_sha256":"27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3","token_estimate":488,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.3.2 YES\n\n4.3.3\n▪ See AP Table on page 4 for details\n\nFigure 127. Loan Terms Table for Seasonal Payment Loan\n\nThe data points used to provide this information are shown in the table below. Note that the required format\nfor data points ending in “Month” is “—MM”. (Two hyphens precede the 2-digit representation of the month.)\n\nTable 138. Seasonal Payment Loan\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n19.4\n\nSeasonal Payments?\nYES\n\n…/LOAN_DETAIL\n\nSeasonalPaymentFea\ntureIndicator\n\ntrue\n\nROF as “YES”\n\n19.5 |\n4.3\n\n<Periodic> Principal\nand Interest\nPayments\n\n19.4.1 Seasonal Payments?\n\nYES From <mo> to\n<mo>\n\n19.4.1 Seasonal Payments?\n\nYES From <mo> to\n<mo>\n\n…/PAYMENT/PAYME\nNT_RULE\n\nPaymentFrequencyT\nype\n\nMonthly\n\nSeasonalPaymentPer\niodStartMonth\n\n--06\n\nSeasonalPaymentPer\niodEndMonth\n\n--08\n\nROF as “From June”\n\nROF as “to August”\n\nAppendix E: UCD Implementation Guide\n\nPage 206 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\n20.0 ADJUSTABLE INTER EST RATE (AIR) TABLE\n\nThe Adjustable Interest Rate (AIR) Table is included in the following Closing Disclosure variations:\n\nForm\nField ID\n\n20.0\n\nTable 139. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\nAdjustable Interest Rate\n(AIR) Table\n\nARM, Step Rate, Temp\nBuydown\n\nARM, Step Rate, Temp\nBuydown\n\nARM, Step Rate, Temp\nBuydown\n\nThe AIR Table must be included in the Closing Disclosure if the loan has terms that allow the interest rate to\nadjust after consummation, either based on changes to an index (e.g., an ARM) or a schedule (e.g., a Step Rate\nor Temporary Buydown Subsidy). The AIR Table must be excluded if the loan does not have these features. The\nlender may not disclose a blank table or a table with ‘‘N/A’’ inserted within each row.\n"}
diff --git a/chunks/json/27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e.json b/chunks/json/27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e.json
new file mode 100644
index 0000000000000000000000000000000000000000..f436ef84f898ef017df6561e7c0a34549b75ffc9
--- /dev/null
+++ b/chunks/json/27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":258418,"char_start":256731,"chunk_id":"chk_b5d55a8a4d54ccd2","chunk_index":147,"chunk_sha256":"27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"5.092\n\nEscrowIndicator\n\n4.019\n\nInterestOnlyIndicator\n\n4.007\n\nInterestRateIncreaseIndicator\n\n4.002\n\nLoanAmountIncreaseIndicator\n\n3.032 MIRequiredIndicator\n\n4.033 NegativeAmortizationIndicator\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\ntrue\n\nfalse\n\nIf the value of the EscrowIndicator = “true”\nFirstYearTotalEscrowPaymentAmount will have a non-\nzero value and at least one instance of\nProjectedPaymentEscrowedType will = “Escrowed”.\n\nBecause InterestOnlyIndicator should always be\n“false” the container and data point\nINTEREST_ONLY/InterestOnlyTermMonthsCount in\nhave been removed from UCD v2.0.\n\nIf LoanAmortizatonType = “AdjustableRate” deliver\n“true”.\n\nMust always be false.\n\nSee Table 60 for additional data points required when\n“true”.\n\nBecause the value must equal “false” the container\nstructure NEGATIVE_AMORTITION has been removed\nfrom UCD v2.0.\n\n4.017\n\nPaymentIncreaseIndicator\n\ntrue\n\n▪ Provide “true” only when LoanAmortizationType =\n\n4.026\n\nPrepaymentPenaltyIndicator\n\nfalse\n\n“AdjustableRate”.\n\n▪ UCD v2.0 no longer includes the\n\nPRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMEN\nT structure, which captures information about\npayments adjusting independently.\n\nBecause the value must equal “false” the structure\nPREPAYMENT_PENALTY has been removed from UCD\nv2.0.\n\nUCD v2.0 Implementation Guide\n\n- 115 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 54. UCD v2.0 Spec Excerpt – Loan Features Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n11.041\n\nSeasonalPaymentFeatureIndicator\n\nfalse\n\nThe GSEs do not require details about the seasonal\npayment feature so UCD v2.0 no longer includes data\npoints providing that information.\n"}
diff --git a/chunks/json/27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966.json b/chunks/json/27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966.json
new file mode 100644
index 0000000000000000000000000000000000000000..e7139d0b294b7640282eb2e872ae6d942e9e032f
--- /dev/null
+++ b/chunks/json/27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966.json
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+{"chunk":{"char_end":957569,"char_start":955887,"chunk_id":"chk_2049e77a0d565215","chunk_index":570,"chunk_sha256":"27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Page 163 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n452\n\n453\n\n454\n\n455\n\n456\n\n457\n\n458\n\n459\n\n460\n\n461\n\n462\n\n463\n\n464\n\n465\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n109\n\n110\n\n111\n\n112\n\n113\n\n114\n\n115\n\n116\n\n116A\n\n116B\n\n117\n\n118\n\n119\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustmentAmount\n\nThe dollar amount of the adjustment made\nfor the property feature described by\nProperty Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu\nreAdjustmentAmount\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/@PropertyFeatu\nreDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustmentAmount\n\nThe dollar amount of the adjustment made\nfor the property feature described by\nProperty Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\n"}
diff --git a/chunks/json/27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a.json b/chunks/json/27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a.json
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index 0000000000000000000000000000000000000000..e4ffccb66b735e096227f589e3d6b72f6dcd7aed
--- /dev/null
+++ b/chunks/json/27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":44691,"char_start":44006,"chunk_id":"chk_0f144b64c9259fe8","chunk_index":68,"chunk_sha256":"27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a","token_estimate":578,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Apparent Defects, Damages, Deficiencies (Vehicle Storage) ................................................................................................................................................................. 216\n\nVehicle Storage Commentary ................................................................................................................................................................................................... 217\n\nVehicle Storage Exhibits ........................................................................................................................................................................................................... 217\n"}
diff --git a/chunks/json/27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80.json b/chunks/json/27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80.json
new file mode 100644
index 0000000000000000000000000000000000000000..fed22755edde09b1f23bf60d13dae3f32c4bb9f9
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+++ b/chunks/json/27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80.json
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+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_d179d8d00fd64833","chunk_index":0,"chunk_sha256":"27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80","date_utc":"2026-01-27T17:54:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_12d872a26fe59fc1","text_sha256":"27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_House_Price_Index____FHFA_15i6p.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/hpi\"\ndate_accessed: \"2026-01-27T17:54:20.632Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9.json b/chunks/json/27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9.json
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index 0000000000000000000000000000000000000000..35d4db4d877eee1affcc3e5eca84dd4260431d5e
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+++ b/chunks/json/27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21376,"char_start":19775,"chunk_id":"chk_39981ee6ca362b3e","chunk_index":12,"chunk_sha256":"27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Recommended\nAction\nNone\n\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nNo\n\nNone\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 29\n\nUnit Interior - Building 2 - Unit 2 (continued)\n\nUnit Interior Commentary\n\nSome areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected.\n\nUnit Interior Exhibits\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit 2 Bedroom 1 photo would display.\n\nThis is where the Unit 2 Bedroom 2 photo would display.\n\nLevel 1 - Bath - Full\n\nLevel 1 - Kitchen\n\nThis is where the Full Bathroom photo would display.\n\nThis is where the Kitchen photo would display.\n\nLevel 1 - Living Room\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nBathroom\n\nThis is where the Living Room photo would display.\n\nThis is where the Bathroom Cabinet Defect photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 29\n\nUnit Interior - Building 2 - Unit 2 (continued)\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nKitchen\n\nThis is where the Kitchen Cabinet Defect photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nFunctional Obsolescence Commentary\n\nNo functional or external obsolescence noted.\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nNumber of Parking Spaces\n2\n"}
diff --git a/chunks/json/27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8.json b/chunks/json/27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8.json
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+{"chunk":{"char_end":24121,"char_start":22515,"chunk_id":"chk_1c9734b4257eaa8e","chunk_index":14,"chunk_sha256":"27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"N\n\nMean Median Min\n\nMax\n\nP1\n\nP5\n\nP10\n\nP25\n\nP50\n\nP75\n\nP90\n\nP95\n\nP99\n\nappraisal_to_contract\n\n746,237 101.5 100.5 50.0 150.0 91.8 97.4 100.0 100.0 100.5 102.0 104.8 107.7 120.0\n\ncomparison_to_contract\n\n746,213 101.5 100.5 50.0 150.0 91.8 97.4 100.0 100.0 100.5 102.0 104.8 107.7 120.0\n\nFederal Housing Finance Agency\n\n18\n\nyear Frequency Percent\n\n2013\n\n137670\n\n9.29\n\nweight Frequency Percent\n\n2014\n\n105930\n\n7.15\n\n20\n\n1481868\n\n100.00\n\n2015\n\n135232\n\n9.13\n\n2016\n\n164546\n\n11.10\n\n2017\n\n132930\n\n8.97\n\npurpose Frequency Percent\n\n2018\n\n118807\n\n8.02\n\n2019\n\n147432\n\n9.95\n\n2020\n\n227356\n\n15.34\n\n2021\n\n207741\n\n14.02\n\n2022\n\n104224\n\n7.03\n\n1\n\n2\n\n3\n\n9\n\n744127\n\n50.22\n\n729581\n\n49.23\n\n7820\n\n0.53\n\n340\n\n0.02\n\nUAD PUF Version 2.1 Data Dictionary\n\nbuilt_up Frequency Percent\n\nproperty_value_trend Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n967411\n\n65.28\n\n490944\n\n33.13\n\n23128\n\n1.56\n\n385\n\n0.03\n\n1\n\n2\n\n3\n\n9\n\n368100\n\n24.84\n\n1104857\n\n74.56\n\n8579\n\n0.58\n\n332\n\n0.02\n\ngrowth_rate Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n18277\n\n1.23\n\n1434594\n\n96.81\n\n28642\n\n1.93\n\n355\n\n0.02\n\nnumber_comparables Frequency Percent\n\n1\n\n2\n\n3\n\n4\n\n5\n\n9\n\n187833\n\n12.68\n\n291087\n\n19.64\n\n417225\n\n28.16\n\n433695\n\n29.27\n\n152024\n\n10.26\n\n4\n\n0.00\n\nlot_size Frequency Percent\n\nowner_occupied Frequency Percent\n\n1\n\n2\n\n3\n\n4\n\n5\n\n9\n\n1\n\n2\n\n9\n\n225625\n\n15.23\n\n584481\n\n39.44\n\n333261\n\n22.49\n\n126632\n\n8.55\n\n210816\n\n14.23\n\n1053\n\n0.07\n\n1037234\n\n70.00\n\n444299\n\n29.98\n\n335\n\n0.02\n\nmarketing_time Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n906100\n\n61.15\n\n548941\n\n37.04\n\n26492\n\n1.79\n\n335\n\n0.02\n\ndemand_supply Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n375375\n\n25.33\n\n1078825\n\n72.80\n\n27337\n\n1.84\n\n331\n\n0.02\n\nFederal Housing Finance Agency\n"}
diff --git a/chunks/json/27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3.json b/chunks/json/27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3.json
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index 0000000000000000000000000000000000000000..7ba61abce8c03f4762db579f090d3e466d24bdcf
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+{"chunk":{"char_end":461163,"char_start":457990,"chunk_id":"chk_d895954c0a148fb2","chunk_index":351,"chunk_sha256":"27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3","token_estimate":793,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nIntended User\n\nThe Intended User subsection always displays.\n\nPage 365\n\nReport\nField ID\n\nIntended User Text\n\nText Conditionality\n\n29.008\n\nThe intended user of this appraisal report is the lender/client.\n\nAlways displays\n\nFHA and the Mortgagee are the intended users of this appraisal report.\n\nDisplay descriptive text when GovernmentAgencyAppraisalType = \"FHA\" AND\nValuationAssignmentType = \"Purchase\" OR \"Refinance\"\n\n29.009\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nDisplay descriptive text when GovernmentAgencyAppraisalType = “USDA”\n\nThe VA is also an intended user of this appraisal report.\n\nDisplay descriptive text when GovernmentAgencyAppraisalType = “VA”\n\nAdditional Intended Users – ValuationAdditionalIntendedUserIndicator (UID: 2200.0037, FID: Not on report)\n\n•\n\nIf “true”\n\no Display sub-header: Additional Intended Users (FID: 29.010)\no Display in italics below sub-header: Additional Intended Users cannot be contrary to the original Intended User.\no Display the text from ValuationAdditionalIntendedUserDescription (UID: 2200.0004, FID: 29.011) and deliver in XML.\n\n•\n\nIf “false”\n\no Do not display\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDefinition of Market Value\n\nThe Definition of Market Value subsection always displays.\n\nPage 366\n\nReport\nField ID\n\n29.012\n\n29.013\n\nDefinition of Market Value Text\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the buyer and\nseller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation\nof a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2)\nboth parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed\nfor exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5)\nthe price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone\nassociated with the sale.\n*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are\nnormally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually\nall sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a\nthird-party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical\ndollar-for-dollar cost of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing\nor concessions based on the appraiser’s judgment.\n"}
diff --git a/chunks/json/27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161.json b/chunks/json/27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161.json
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+{"chunk":{"char_end":28416,"char_start":26684,"chunk_id":"chk_eb63094f9cb80268","chunk_index":16,"chunk_sha256":"27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161","token_estimate":433,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Overall Flooring\n\nWool carpeting\n\nQuality carpeting\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nC3\n\nFully Updated\n\nFully Updated\n\nC3\n\nFully Updated\n\nFully Updated\n\nSignificantly Updated\n\nSignificantly Updated\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 16 of 22\nPage 16 of 22\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nSubject Property\n201 Underhill Dr, Unit 202\nNowhere, CA 90021\n\nComparable #4\n33 Franks Way, Unit 382\nNowhere, CA 90021\n\nBalcony\n\nBalcony\n\nIndoor Fireplace - 1\n\n—\n\n$5,000\n\n$15,000\n\nType | Spaces | Details\n\nParking Garage | 2 | Owned\n\nParking Garage | 1 | Owned\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$769,000\n\n—\n\n$20,000\n\n$803\n\n$789,000\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$778,000\n\nReconciliation of Sales Comparison Approach\n\nComp #1 was a model match within the subject building, and was relied upon the most to develop the final opinion of value. Since the subject\nproject is subject to an ongoing special assessment, known details were provided within the grid, resulting in no measurable impact to value.\nComp #3 is a competing unit within the subject’s market segment, of similar utility. Comp #4 is a current listing of a very similar unit, but is\nfrom a project with a higher predominant value, warranting an approximately 5% adjustment.\n"}
diff --git a/chunks/json/27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974.json b/chunks/json/27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974.json
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+{"chunk":{"char_end":217190,"char_start":215272,"chunk_id":"chk_4d00d1615d0320da","chunk_index":121,"chunk_sha256":"27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974","token_estimate":480,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Defect, Damage, or Deficiency\n•\n• Appraisals Completed “As Is”\n• Quality of Construction Rating\n•\n\nIdentifying Quality of Construction\n\nAppraiser Selection of Condition, Quality, and other Characteristic Ratings\n\nThe appraiser must rate the interior, exterior, and overall condition and quality of construction of the dwelling(s). When selecting\nthe overall condition and quality ratings, an appraiser must:\n\n•\n\nconsider all dwellings to determine an overall condition and quality rating. The appraiser should select the rating that\nbest reflects the dwelling(s) as a whole and in its entirety.\n\n• describe the subject dwelling as of the effective date of the appraisal on an absolute basis, meaning the dwelling must be\nrated on its own merits. The rating should not be selected on a relative basis, meaning it is not selected on how the\ndwelling relates or compares to other properties. Additionally, the condition and quality ratings for comparable\nproperties must be made on an absolute basis (again, each comparative dwelling on its own merits), not on a relative\nbasis, and reflect the dwelling as of the date of sale of that comparable property.\n\nNote: These requirements also apply to all other ratings or descriptions, including the View and Location.\n\nWhen an appraiser selects a rating and/or description of the subject property for a sales transaction, the selected rating and/or\ndescription must remain the same when reflecting that specific transaction. For example, if a C4 rating is selected for the sale of\nthe subject property, then that dwelling remains a C4 when using that specific sale as a comparable in future reports. The same\nexpectation holds true for ratings and descriptions of comparable sales. When a comparable is used in a subsequent appraisal,\nthe ratings and descriptions of that dwelling should not change from one appraisal to the next when it reflects the same sale\ntransaction.\n"}
diff --git a/chunks/json/27f2c3503696e7dd28effdf224114470400558534199685265e473de2f9fb004.json b/chunks/json/27f2c3503696e7dd28effdf224114470400558534199685265e473de2f9fb004.json
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diff --git a/chunks/json/2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800.json b/chunks/json/2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800.json
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+{"chunk":{"char_end":706,"char_start":0,"chunk_id":"chk_8cf0695fd20cc339","chunk_index":0,"chunk_sha256":"2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800","date_utc":"2026-01-27T18:02:33+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c9e56635ccf95adf","text_sha256":"2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800","token_estimate":177,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-aug-15-2022.pdf","below_target_min_tokens"]},"text":"HomeReady 30-year product grid coming to PE – Whole\nLoan\n\nIntegration Impact Memo\n\nAugust 15, 2022\n\nBeginning Wednesday, August 24, a new product grid will be available for committing in Pricing & Execution - Whole\nLoan® (PE - Whole Loan®):\n\n• 30-Year Fixed Rate HomeReady® (product code: 163063)\n\nRefer to the updated product mapping guide.\n\nThis new product grid is available in our test environment. Please use the following endpoints for testing:\n\n• Browse Price: https://api-clve.fanniemae.com/soap/BrowsePriceB2BService\n\n• Commitment: https://api-clve.fanniemae.com/soap/CommitmentB2BService\n\nQuestions? Please email the PE - Whole Loan Integrations Team.\n\n© 2022 Fannie Mae\n\nAugust 2022 Page 1 of 1\n"}
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+{"chunk":{"char_end":44149,"char_start":42543,"chunk_id":"chk_4ea426130ce247ce","chunk_index":26,"chunk_sha256":"280ccf99493982a22f7b2ef0d6bc0f0c549e48d345a4f39b63652d1fbd847356","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"280ccf99493982a22f7b2ef0d6bc0f0c549e48d345a4f39b63652d1fbd847356","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 23 of 29\nPage 23 of 29\n\nIncome Approach (continued)\n\nIncome Approach Exhibits\n\nMap of GRM Comparables\n\nThis is where the GRM Comparable Map photo would display.\n\nComparable #1\n\nComparable #2\n\nThis is where the GRM Comparable 1 photo would display.\n\nThis is where the GRM Comparable 2 photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 24 of 29\nPage 24 of 29\n\nIncome Approach (continued)\n\nComparable #3\n\nThis is where the GRM Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$195,000\n\nIncome Approach\n$198,000\n\nCost Approach\n\nDifficulty Estimating Depreciation\n\n$160,000\n$195,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n90-120 days\n10/05/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior - Building 1\n\nLocation\n\nRoof\n\nEntire Roof\n\nUnit Interior - Building 1 - Unit 1\n\nAppliances\n\nKitchen\n\nCabinetry\n\nCabinetry\n\nDoors\n\nWalls and Ceiling\n\nBathroom\n\nKitchen\n\nBathroom\n\nBathroom\n\nDwelling Exterior - Building 2\n\nRoof\n\nEntire Roof\n\nUnit Interior - Building 2 - Unit 2\n\nCabinetry\n\nCabinetry\n\nBathroom\n"}
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+{"chunk":{"char_end":1751,"char_start":0,"chunk_id":"chk_82800c75b63c3982","chunk_index":0,"chunk_sha256":"2816c005c7eedaa2fef95f448f4f321ef208f49192aab64b6fb0176b517b0ca3","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ae2f887901a65075","text_sha256":"2816c005c7eedaa2fef95f448f4f321ef208f49192aab64b6fb0176b517b0ca3","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_bv1se4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/neighborhood-stabilization-initiative\"\ndate_accessed: \"2026-01-27T17:54:20.540Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994.json b/chunks/json/2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994.json
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index 0000000000000000000000000000000000000000..d9f0f451557a7ccc4c9d794c8478377a8496c14d
--- /dev/null
+++ b/chunks/json/2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8843,"char_start":7098,"chunk_id":"chk_e2ef34863ddce4b3","chunk_index":4,"chunk_sha256":"2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - [FHFA Policies](/about/fhfa-policies)\n - FHFA Website Privacy Policy\n\n# FHFA Website Privacy Policy\n\nThank you for visiting the Federal Housing Finance Agency's (FHFA) website and reviewing our Privacy Policy. The privacy of visitors to our website is of the utmost importance to FHFA. To learn more about how we handle personal information you may choose to submit to us, as well as non-personal information that is automatically collected about your visit, please click on the following links.\n"}
diff --git a/chunks/json/281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55.json b/chunks/json/281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55.json
new file mode 100644
index 0000000000000000000000000000000000000000..878540f40920bee9cec187f3a0235adba10dfcd0
--- /dev/null
+++ b/chunks/json/281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":794256,"char_start":792515,"chunk_id":"chk_b761c998aaa97ca3","chunk_index":473,"chunk_sha256":"281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55","token_estimate":435,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The detached garage for the subject property is reported as Vehicle Storage.\n•\n•\n\nIf the subject and all comparables do not have outbuildings, the Outbuilding subsection does not display.\nIf a comparable has outbuildings and the subject does not, the Outbuilding subsection displays with\n“dashes” for the subject.\n\nIn this example, Comparable #1 has an outbuilding (greenhouse), and the subject does not. The outbuilding\ndisplays with “dashes” for the subject.\n\nCost Approach (As Is Value of Site Improvements)\n\nBecause the vehicle storage is not considered an outbuilding, if the Cost Approach is included in the appraisal,\nthe depreciated cost of the detached garage is reported in the As Is Value of Site Improvements subsection\ninstead of Depreciated Cost – Outbuilding.\n\nAppendix F-1: URAR Reference Guide\n\nPage 364 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nExample 2: Detached Garage with Additional Separate Area (No ADU)\n\nIn this example the subject has a multipurpose outbuilding with 900 sq. ft. of Gross Building Area (GBA) for the\noutbuilding that includes:\n• 400 sq. ft. 2-car garage\n• 450 sq. ft. unfinished area that is used for a workshop\n• 50 sq. ft. finished area (full bath)\nThe entire outbuilding is heated.\nOutbuilding Type is selected as Other, and described as Workshop/Garage.\n\nNote: This example applies regardless of the square footage of the additional area.\n\nOutbuilding – Workshop/Garage\n\nIn this example, Outbuilding Type is selected as Other, and described as Workshop/Garage.\n• Units in Structure is 0 because the outbuilding does not include an ADU.\n• For Gross Building Area, the total GBA is reported (400 sq. ft. 2-car garage + 450 sq. ft. unfinished area + 50\n"}
diff --git a/chunks/json/281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72.json b/chunks/json/281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72.json
new file mode 100644
index 0000000000000000000000000000000000000000..cd857afc23f6a3dc5aa44e146e4358769838fdc1
--- /dev/null
+++ b/chunks/json/281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1737,"char_start":0,"chunk_id":"chk_64787637f92a0c54","chunk_index":0,"chunk_sha256":"281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2f661b7c8dc0733b","text_sha256":"281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72","token_estimate":434,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-nov-19-2022.pdf"]},"text":"DU for Government Integration Impact Memo\nNov. 2022 Release\n\nOct. 19, 2022\n\nDuring the weekend of Nov. 19, 2022, Desktop Underwriter® (DU®) for government loans will be updated with the\nchanges specified below. These changes will apply to all loan casefiles submitted or resubmitted on or after the\nweekend of Nov. 19, 2022.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nSupport of the new FHA Positive Rental History Indicator\n\nOn Sept. 27, 2022, FHA published Mortgagee Letter 2022-17 regarding the introduction of positive rental history. On\nSept. 28, 2022, Fannie Mae published the DU Specification (DU Spec) version 1.8.3, which included a new indicator\nrelated to positive rental payment history. DU will now accept this optional indicator and send it to FHA for use by the\nFHA TOTAL scorecard. The indicator will be added to the Government section of the Desktop Originator® (DO®)/(DU)\nuser interface and be called: Positive Rental History.\n\nHow will this affect my integrated system(s) and User Interface?\n\nIntegrated System(s)\n\nWhen sending the MISMO v3.4 data point ULAD:PositiveRentalHistoryIndicator with a “true” enumeration on an FHA\nPurchase loan casefile with a positive rental history, DU will issue message ID 2476 to indicate Positive Rental History\non the loan application. Verify and document the Positive Rental History FHA Single Family Housing Policy Handbook\n4000.1.\n\nUnique ID\n\n13.0011\n\nMISMO 3.4 Data Point Name\n\nDU Supported Enumerations\n\nULAD:PositiveRentalHistoryIndicator\n\nfalse\n\ntrue\n\nN O T E : Fannie Mae’s DU Specification can be found at: https://singlefamily.fanniemae.com/technology-\nintegration/technology-integration-resources\n"}
diff --git a/chunks/json/281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3.json b/chunks/json/281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3.json
new file mode 100644
index 0000000000000000000000000000000000000000..792dbc0b4101ab409d3f85596286f0b3fcffb105
--- /dev/null
+++ b/chunks/json/281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3.json
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+{"chunk":{"char_end":7970,"char_start":7489,"chunk_id":"chk_2d7937e65fce309f","chunk_index":9,"chunk_sha256":"281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3","token_estimate":421,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TX-B – Subheading Bold ...................................................................................................................................... 20\n\nMain Report Text........................................................................................................................................... 21\n\nTXR-B – Text with Rule Bold ................................................................................................................................ 21\n"}
diff --git a/chunks/json/2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427.json b/chunks/json/2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427.json
new file mode 100644
index 0000000000000000000000000000000000000000..fc9d63047bde4f4aa45f8007d6fb3d9725c05f6d
--- /dev/null
+++ b/chunks/json/2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26682,"char_start":25067,"chunk_id":"chk_e7980c6011740d24","chunk_index":15,"chunk_sha256":"2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 15 of 22\nPage 15 of 22\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\n201 Underhill Dr, Unit 202\nNowhere, CA 90021\n\n33 Franks Way, Unit 382\nNowhere, CA 90021\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nMLS M51774\n\n0.51 Miles NW\n\n$769,000\n\nActive\n\n—\n\n—\n\n—\n\n—\n\n—\n\n2\n\n—\n\n—\n\n—\n\n—\n\n—\n\nAttached/Detached\n\nProperty Rights Appraised\n\nAttached\n\nFee Simple\n\nAttached\n\nFee Simple\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nThe MI5\n\n$604\n\n$(40,000)\n\nThe XYZ | No\n\n$828\n\nCommon Amenities/Services\n\nBuilt-in Pool | Inground\nSpa | Unit Storage\n\nFitness Area | Inground Pool |\nInground Spa | Unit Storage\n\nSpecial Assessments\n\nExisting\n\nNone\n\nSite\n\nNeighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nStructure Design\n\nHeating\n\nCooling\n\nUnits\n\nFloor Number\n\nCorner Unit\n\nBedrooms\n\nBaths - Full | Half\n\nEastwood\n\nEagle Hills\n\n$0\n\nResidential | Full\n\nSkyline | Partial\n\n$(10,000)\n\n1973\n\nMid-rise\n\n1973\n\nMid-rise\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nCentralized\n\nCentralized\n\n2\n\nNo\n\n2\n\n2 | 0\n\n$0\n\n3\n\nNo\n\n2\n\n1 | 0\n\n$10,000\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n1,092 Sq. Ft.\n\n958 Sq. Ft.\n\n$40,000\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ4\n\nQ4\n\nQuality components\n\nQuality components\n\nOverall Bathrooms\n\nDecorative tiling and finishes\n\nDecorative tiling and finishes\n"}
diff --git a/chunks/json/282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493.json b/chunks/json/282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493.json
new file mode 100644
index 0000000000000000000000000000000000000000..d12cbabfac9ee10d41907eed6feaaef84eb1e3a0
--- /dev/null
+++ b/chunks/json/282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1285779,"char_start":1284179,"chunk_id":"chk_58d76f0150118eca","chunk_index":762,"chunk_sha256":"282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState Certification #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE\nNSE[@_Type=‘Certificate’]/@_Identifier\n\n50\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n.\n\nIf field 6-27 (Supervisor Name) is populated or\nfield 6-15 is populated with 'trainee', then one\nand only one of fields 6-34, 6-35 (Appraiser\nLicense Identifier) must be populated.\n\nCR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 210 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n492\n\n493\n\n494\n\n495\n\n496\n\n497\n\n498\n\n499\n\n500\n\n6\n\n6\n\n6\n"}
diff --git a/chunks/json/2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198.json b/chunks/json/2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198.json
new file mode 100644
index 0000000000000000000000000000000000000000..6fff5d5fdf750a3f5f0fb21045b355be93ecd85f
--- /dev/null
+++ b/chunks/json/2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1617,"char_start":0,"chunk_id":"chk_652b3a2940ac9b46","chunk_index":0,"chunk_sha256":"2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_70f5e344060f13d5","text_sha256":"2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-july-20-2024.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1 July Update\n\nMay 29, 2024\n\nDuring the weekend of July 20, 2024, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the\nchanges described below. Unless specified below, the changes in this release will apply to DU Version 11.1 loan casefiles\nsubmitted or resubmitted on or after the weekend of July 20, 2024.\n\nThe changes in this release include the following:\n▪ Mission Index Information\n▪ Duty to Serve Update\n▪ Potential Red Flag Occupancy Message\n▪ Loan Application Data Validation Updates\n▪ Updates to Align with the Selling Guide\n\nMission Index Information\n\nIn support of the Mission Index announced earlier this year, Fannie Mae is updating DU to help lenders identify potential mission-\noriented opportunities.\n\nDU will issue an Observation message identifying the preliminary Mission Index information for the loan, which is the sum of the\nthree categories below:\n\n▪\n\nIncome: This category will receive a 1 when the total qualifying income is 80% or less of the applicable area median\nincome (AMI) for the subject property’s location.\n\nNote: DU is not able to determine if the loan meets the Affordable Rental criterion as the rent per unit and the number of\nbedrooms per unit is not data that is available in the loan application.\n\n▪ Borrower: This category will receive a 1 when one of the following is met:\n\n▪ At least one borrower on the loan is a first-time homebuyer and the total qualifying income is\n\n100% or less of the applicable AMI, or\n\n▪\n\nthe borrower currently resides in an underserved market.\n"}
diff --git a/chunks/json/2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559.json b/chunks/json/2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559.json
new file mode 100644
index 0000000000000000000000000000000000000000..b14eb93add539523848320549b982b6e8a9cc4e7
--- /dev/null
+++ b/chunks/json/2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2726,"char_start":2265,"chunk_id":"chk_848460e78ac4c3e5","chunk_index":2,"chunk_sha256":"2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Overview.......................................................................................................................................................................................................................... 6\n\nTable Column Headers ................................................................................................................................................................................................................ 6\n"}
diff --git a/chunks/json/2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20.json b/chunks/json/2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20.json
new file mode 100644
index 0000000000000000000000000000000000000000..476d3101192a14d78fd6c97adbad280efd7f32a5
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+++ b/chunks/json/2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20.json
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+{"chunk":{"char_end":1736,"char_start":0,"chunk_id":"chk_975075d473133dc8","chunk_index":0,"chunk_sha256":"2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cf9616c9cd8a63d3","text_sha256":"2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_utu1o9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhfa-ai-compliance-plan\"\ndate_accessed: \"2026-01-27T17:47:55.307Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798.json b/chunks/json/28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798.json
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+++ b/chunks/json/28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798.json
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+{"chunk":{"char_end":125303,"char_start":123696,"chunk_id":"chk_e9ef79c123200f49","chunk_index":120,"chunk_sha256":"28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• These tables set in the same style as other tables in the report, with these exceptions:\n\no There are no column heads (TCH)\n\no The content of the rows in the second and third columns is calculated for a “Total” which displays\n\nin the last row, third column\n\nIndicated Value by Cost Approach (H1)\n\nThe calculated Indicated Value by Cost Approach ($ figure) sets as part of H1, flush right x 45 picas\n\nRight-hand side of page\n\n•\n\n“Depreciated Cost of Dwellings,” “Depreciated Cost of Outbuildings,” “As Is Value of Site\nImprovements,” “Opinion of Site Value” set as TXR-B, TXR\n\nDepreciated Cost – Dwelling – [Structure Identifier] (H1)\n\nIn the H1, brackets do not set, they indicate a placeholder.\n\nDepreciated Cost of Dwelling table\n\nSet 3 column table x 28 picas 6 points\n\n• Column 1:\n\n9 picas 8 points wide (~39 characters max, per line, per cell)\n\n• Column 2:\n\n14 picas 4 points wide (~56 characters max, per line, per cell)\n\n• Column 3:\n\n4 picas 6 points wide (~17 characters max, per line, per cell)\n\n• Total cells:\n\n4 picas 6 points wide (~17 characters max, per line, per cell)\n\nAppendix E: Report Style Guide\n\nPage 70 of 90\n\nVersion 1.4\n\nDEPRECIATED COST OF DWELLING TABLE\n\n• Content in table sets as TB\n\n• First column entries as needed: [Area Type], “Physical Depreciation,” “Functional\n\nDepreciation,” “External Depreciation,” “Total Depreciation,” “Manufactured Home Delivery,\nInstallation, and Set Up”.\n\n•\n\n“Total” sets as TB_sub-H1-R, in white type\n\no 4p6 (~17 characters max, per line, per cell)\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n“Remaining Economic Life,” “Effective Age” set as TXR-B, TXR\n"}
diff --git a/chunks/json/288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2.json b/chunks/json/288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2.json
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+{"chunk":{"char_end":9964,"char_start":8351,"chunk_id":"chk_880bdf766cb0ad8f","chunk_index":5,"chunk_sha256":"288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"None\nNone\n\nGreen/Energy Efficiency Rating\nOrganization\nRESNET\n\nRating\nHERS\n\nScore\n62\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nNeutral\n\nEnergy Efficient and Green Features Commentary\n\nOn average, homes with a HERS Index rating of 62 are 38% more energy efficient than a standard new house.\n\nEnergy Efficient and Green Features Exhibits\n\nRESNET HERS Score\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 21\nPage 5 of 21\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nColonial\n3-4 Ft.\n2004\nSite Built\nNone\n\nThis is where the Subject Property photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 21\nPage 6 of 21\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC4\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nVinyl\n\nQuality Comment\n\nFoundation\n\nRoof\n\nWindows\n\nPoured Concrete | Basement\n\nComposition\nEstimated Age: 10-20 years\n\nVinyl Double Hung -\nThermal Pane\n\nDouble Thermal Pane\ncontributes to Energy\nEfficiency.\n"}
diff --git a/chunks/json/2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4.json b/chunks/json/2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4.json
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+++ b/chunks/json/2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4.json
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+{"chunk":{"char_end":584356,"char_start":582732,"chunk_id":"chk_1f35e1c39b2ee6e7","chunk_index":347,"chunk_sha256":"2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Overall Bathrooms\nQuality Summary does\nnot populate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nOverall Flooring Quality\nSummary does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nWalls and Ceiling\nQuality Summary does\nnot populate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nNo\n\nNo\n\nThe Interior Quality Rating for the unit provides support for the Overall\nQuality Rating. Adjustments are made in the Overall Quality Rating row.\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n\nKitchen Quality Summary: A short description summarizing the quality of\nthe kitchen.\n\nNote: If there are multiple kitchens in the unit for the subject or any\ncomparable, explain the details in Reconciliation of Sales Comparison\nApproach (22.16.01).\n\nNo\n\nOverall Bathrooms Quality Summary: A short description summarizing\nthe overall quality of all bathrooms in the unit.\n\nNo\n\nOverall Flooring Quality Summary: A short description summarizing the\noverall quality of all flooring in the unit.\n\nNo\n\nWalls and Ceiling Quality Summary: A short description summarizing the\noverall quality of the walls and ceilings in the unit.\n\nAppendix F-1: URAR Reference Guide\n\nPage 256 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.09.09\n22.09.24\n\nReport Label\n\n[Other Interior\nFeature]\n22.09.08\nInterior\nFeature Other\nDescription\n10.044\npopulates\nfrom Unit\nInterior\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n"}
diff --git a/chunks/json/28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3.json b/chunks/json/28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3.json
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+++ b/chunks/json/28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3.json
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+{"chunk":{"char_end":3224,"char_start":1611,"chunk_id":"chk_06528a4d5c7aff64","chunk_index":1,"chunk_sha256":"28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3","token_estimate":402,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"50\n\nNote: Race and the racial composition of the neighborhood are not appraisal factors.\n\nNeighborhood Characteristics\nLocation Urban\n52\n Over 75%\nBuilt-Up\n55\n Rapid\nGrowth\n58\nNeighborhood Boundaries 82\n\nSuburban\n53\n 25–75%\n56\n Stable\n59\n\nOne-Unit Housing Trends\n\nRural\nProperty Values Increasing\n54\n Under 25% Demand/Supply Shortage\n57\n Slow\nMarketing Time\n60\n\n64\n Under 3 mths 3–6 mths\n67\n\nDeclining\n Stable\n63\n62\n In Balance Over Supply\n65\n66\n Over 6 mths\n68\n69\n\n61\n\nOne-Unit Housing\nAGE\nPRICE\n(yrs)\n$ (000)\n 73\n Low\n70\n High 74\n71\n Pred. 75\n72\n\nPresent Land Use %\n\nOne-Unit\n2-4 Unit\nMulti-Family\nCommercial\nOther\n\n76 %\n77 %\n78 %\n79 %\n81 %\n\nNeighborhood Description 83\n\nMarket Conditions (including support for the above conclusions) 84\n\nDimensions\n 85\nArea\nZoning Description\nSpecific Zoning Classification 89\nZoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe) 95\n93\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 98\n\nView e-5; e-6; e-7\n\nShape\n\n87\n\n86\n\n90\n\n96\n\n94\n\n91\n\n92\n\n97\n\n99\n\n102\n\n101\n 100\n 104\n 103\n\nPublic Other (describe)\n\nUtilities\nWater\nElectricity\nSanitary Sewer\nGas\nFEMA Special Flood Hazard Area Yes No FEMA Flood Zone\n117\nAre the utilities and off-site improvements typical for the market area? Yes No If No, describe 124\n123\nAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe\n127\n\nPublic Other (describe)\n 107\n 106\n 110\n 109\nFEMA Map # 120\n"}
diff --git a/chunks/json/28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e.json b/chunks/json/28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e.json
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index 0000000000000000000000000000000000000000..197caf3ce83ea271f16097da422b4389d40f0703
--- /dev/null
+++ b/chunks/json/28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14553,"char_start":7918,"chunk_id":"chk_fb95768bf4898b2d","chunk_index":3,"chunk_sha256":"28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e","token_estimate":3362,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"2. CLOSING_ADJUSTMENT_ITEMS .................................................................................................................................... 38\nE. Deposit and General Closing Data ..................................................................................................................................... 45\n1. Deposit .......................................................................................................................................................................... 45\n2. General Closing Data ..................................................................................................................................................... 46\nF. Prepaid Item Data ............................................................................................................................................................. 49\nG. Proration Item Data ........................................................................................................................................................... 54\nH. Construction Loan Data ..................................................................................................................................................... 57\nI. Cash to Close Table Data ................................................................................................................................................... 59\n1. Introduction................................................................................................................................................................... 59\n2. Cash to Close Tables ...................................................................................................................................................... 60\nJ. Projected Payments Table Data ........................................................................................................................................ 70\n1. Estimated Taxes, Insurance & Assessments .................................................................................................................. 70\n2. Projected Payments Line Items ..................................................................................................................................... 72\nK. Miscellaneous and Section Heading Data ......................................................................................................................... 77\n1. Miscellaneous Data ....................................................................................................................................................... 77\n2. Section and Subsection Headings and Totals ................................................................................................................ 79\nL. Escrow Payments at Closing Data ..................................................................................................................................... 85\n1. Escrow Account vs. Collecting Escrow Funds at Closing ................................................................................................ 85\nFee Item Data ........................................................................................................................................................... 90\n1. GSE Requirements for Fee Information ........................................................................................................................ 90\n2. Fee Line Items ............................................................................................................................................................... 91\nN. Loan Calculation and Foreclosure Data ........................................................................................................................... 102\n1. Loan Calculation Data .................................................................................................................................................. 102\n2.\n"}
diff --git a/chunks/json/28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d.json b/chunks/json/28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d.json
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index 0000000000000000000000000000000000000000..c8ddb24e5bee429cdbdcf36267f066472f20dcbe
--- /dev/null
+++ b/chunks/json/28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19774,"char_start":18100,"chunk_id":"chk_0ac3b4f1fa69e15a","chunk_index":10,"chunk_sha256":"28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"On February 29, 2024, [FHFA announced](/news/news-release/fhfa-announces-key-updates-for-implementation-of-enterprise-credit-score-requirements) several updates related to the implementation of the updated Enterprise credit score requirements. Following extensive stakeholder input, FHFA amended the proposed implementation timeline to align the implementation of the bi-merge credit reporting requirement with the transition from the Classic FICO model. To better support market participants as they engage in this transition, FHFA further announced that the Enterprises would accelerate the publication of historical data specific to the VantageScore 4.0 model to early in the third quarter of 2024, while continuing to work towards publication of similar data to support the transition to the FICO 10T model.\n\nOn July 11, 2024, [FHFA announced](/news/news-release/fhfa-announces-release-of-historical-vantagescore-4.0-credit-scores-by-the-enterprises) that the Enterprises released historical credit scores associated with the VantageScore 4.0 model on tens of millions of loans acquired beginning in April 2013, the earliest point at which trended consumer credit data is reliably available across the three nationwide consumer reporting agencies. This release will provide market participants the ability to better analyze and understand the VantageScore 4.0 model.\n\n## Resources\n\n---\n\n**Public Engagement Process for Implementation of Credit Score Requirements**\n\nNews Release: [FHFA Announces Release of Historical Credit Scores by the Enterprises](/news/news-release/fhfa-announces-release-of-historical-vantagescore-4.0-credit-scores-by-the-enterprises) (7/11/2024)\n"}
diff --git a/chunks/json/28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514.json b/chunks/json/28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514.json
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index 0000000000000000000000000000000000000000..737b69058122d8afde481b591b4c65eb37c4f47e
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+++ b/chunks/json/28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514.json
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+{"chunk":{"char_end":51335,"char_start":49729,"chunk_id":"chk_8bef33429f5b666d","chunk_index":26,"chunk_sha256":"28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 17 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\n8. URN\n\nSee Section VI. V3.0 Reference Model Features Not Used in the ULDDS.\n\n9. Context\n\nThe “Context” column provides two useful pieces of information: 1) how many times\nthe data point is used, and 2) where the data point is used in the V3.0 Reference\nModel. The number of times the data point is used is indicated first as a “Count,” the\nnumber of containers within the V3.0 Reference Model that include this data point.\nThe Count is followed by an alphabetical list of the containers holding the data point,\nprefaced by, “Used in: CONTAINER_NAME” and followed by “as: DataPointName.”\nWhen a data point is used in more than one container, it is important to identify it in\nterms of its parent container or XPath; otherwise the meaning of the data point will not\nbe clear.\n\nExample III-10. MISMO LDD Data Point Context.\n\nData Point: AdjustmentRuleType\nDefinition: Specifies whether the occurrence of the adjustment is the first\n\nchange or a subsequent change.\n\nEnumerations:\n First\n Subsequent\n\nEnumeration URN Suffixes:\n\n urn:org:MISMO:residential:2009:LDD:AdjustmentRuleType:First\n urn:org:MISMO:residential:2009:LDD:AdjustmentRuleType:Subsequent\nApp Info: Originally First Adjustment Rule Indicator; changed to enumeration in\n\nVersion 3\n\nType: AdjustmentRuleTypeEnumerated\nData Point URN Suffix:\n\nurn:org:MISMO:residential:2009:LDD:AdjustmentRuleType\n\nContext:\n\nCount=4\n"}
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+{"chunk":{"char_end":21082,"char_start":19469,"chunk_id":"chk_ce348b3164a380e3","chunk_index":12,"chunk_sha256":"28c0ad6a6ba1c6e0aebaca2f587bf87f2bf9ef7483e1bb33d9ac454d06256d18","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"28c0ad6a6ba1c6e0aebaca2f587bf87f2bf9ef7483e1bb33d9ac454d06256d18","token_estimate":403,"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":"Q4\nQ4\nQ4\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition - Dwelling\nInterior Condition - Unit A\nInterior Condition - Unit B\nInterior Condition - Unit C\nInterior Condition - Unit D\n\nC3\nC3\nC3\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe Overall Quality and Condition matches both the Exterior and Interior Quality and Condition, given that both exterior and interior are the\nsame age.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 26\nPage 14 of 26\n\nMarket\n\nMarket Area Boundary The subject’s market area is bounded to the North by I-20, to the East by Sundown Parkway, to the South by Main\nStreet, and to the West by Cowboy County State Park.\n\nSearch Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 4 unit properties built\nwithin the past 20 years, located within a 5 mile radius of the subject, sold during the past 12 months.\n\nSearch 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"}
diff --git a/chunks/json/28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a.json b/chunks/json/28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a.json
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index 0000000000000000000000000000000000000000..0cbc61b6a8e1fd575da3b81e11141ee0076d3459
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+++ b/chunks/json/28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a.json
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+{"chunk":{"char_end":143120,"char_start":141501,"chunk_id":"chk_6c185e3d12faf1cd","chunk_index":77,"chunk_sha256":"28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n0.00\n\n-29.00\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\nClosingCostsPaidBeforeClosing\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\nfalse\n\n0.00\n\n0.00\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\nClosingCostsFinanced\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\nfalse\n\n18000.00\n\n18000.00\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\nDownPayment\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\nfalse\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n-10000.00\n\n-10000.00\n\nDeposit\n\nfalse\n\n0.00\n\n0.00\n\nUCD v2.0 Implementation Guide\n\n- 62 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 35. UCD v2.0 Spec Excerpt - Cash to Close Item Data- Purchase Data Requirements.\n\nUCD\nUID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation\nNotes\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\nFundsForBorrower\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\ntrue\n\n9.036\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n"}
diff --git a/chunks/json/28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240.json b/chunks/json/28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240.json
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index 0000000000000000000000000000000000000000..69d2e1dce2c55ef89463947ec651d727c73a9288
--- /dev/null
+++ b/chunks/json/28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39777,"char_start":38125,"chunk_id":"chk_43e0aa51c56d2c4f","chunk_index":38,"chunk_sha256":"28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240","token_estimate":412,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"• Display \" Manufactured Home Certification -\" in bold font, followed by caption if provided\n\nValuation Completion\n\n• Other images provided must be delivered using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ValuationCompletionExhibit”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2) display above image in bold font.\n\n08 Assignment Information\n\nThe Assignment Information section provides information about the entities involved in the completion report and work completed by the appraiser and\nother parties. This section provides space for additional commentary and upload exhibits.\n\nPage 31\n\nThe Assignment Information always displays.\n\nAssignment Information\n\nThe Assignment Information subsection always displays and always starts on a new page.\n\nPage 32\n\nBorrowers may be individuals or legal entities.\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report – Assignment: General Information\n\nBorrower Name\n\n1000.0149 PartyRoleType\n\n1000.0147\n\nFirstName\n\n1000.0178\n\nMiddleName\n\nWhen borrower is not provided, do not display report label. Borrowers\nmay be individuals or legal entities.\n\nDisplay when PartyRoleType = “Borrower” and is an individual\n\nDisplay when the borrower is an individual\n\nDisplay when provided when the borrower is an individual\n\n08.001\n\nBorrower Name\n\n1000.0148\n\nLastName\n\nDisplay when the borrower is an individual\n\n1000.0179\n\nSuffixName\n\n1000.0151 PartyRoleType\n\n1000.0150\n\nFullName\n\nDisplay when provided when the borrower is an individual\n\nDisplay when PartyRoleType = “Borrower” and is a legal entity\n"}
diff --git a/chunks/json/28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7.json b/chunks/json/28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7.json
new file mode 100644
index 0000000000000000000000000000000000000000..058c085cd6754fe670f816ba53d4a64b702950ae
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+++ b/chunks/json/28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7.json
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+{"chunk":{"char_end":3391,"char_start":1609,"chunk_id":"chk_2a7e476ec1d302a4","chunk_index":1,"chunk_sha256":"28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7","token_estimate":446,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"2024-056\n\nClarified ‘$’ sign is only displayed in TB-SCA_sub-H1-ADJ when\nthere is a dollar amount\n\n2023-001 Removed “Under Review” from Market section\n\n12/12/2023\n\n1.2\n\n2023-031\n\nRemoved “Subject Conforms to Surrounding Area,” “Reason,” and\n“Description” from Market section\nChanged report label “Market Boundary” to “Market Area\nBoundary”\n\n2023-061 Genericize description of date in footer\n\nFormatting changes\nRevisions to content\n\n6/27/2023\n\n1.1\n\n• Corrected Report Title font from Bold to Regular\n• Added a subsection for “Font”\n• Modified alignment in Cert 6 for Completion Report\n\n3/29/2023\n\n1.0\n\nInitial publication\n\nAppendix E: Report Style Guide\n\nPage 2 of 90\n\nVERSION 1.3\n\nIntroduction\n\nThe Report Style Guide describes the design and layout of the Uniform Residential Appraisal Report\n(URAR), Restricted Appraisal Update Report (“Appraisal Update”), and Completion Report. It includes\nspecifications for the sizes and positioning of all elements that could appear in any of these reports,\nregardless of conditionality.\n\nPart 1 describes in detail the basic page layout used throughout, along with the headers, footers, main\nheadings, and subheadings. This is followed by a description of each text element that can appear in the\nreports and specifications for each table element.\n\n• Appendix E-1: Report Style Guide Supplement – URAR with Codes shows a marked-up report\n\nwith the codes indicated.\n\nPart 2 outlines each URAR report section in detail and notes any exceptions to the elements described in\nPart 1 of the Report Style Guide.\n\nFinally, Parts 3 and 4 are set aside for the Appraisal Update and the Completion Report. While these two\nreports follow the same basic page layout and elements of the URAR, they are separate from it, and are\ndescribed here in detail.\n"}
diff --git a/chunks/json/28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810.json b/chunks/json/28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810.json
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+++ b/chunks/json/28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810.json
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+{"chunk":{"char_end":11461,"char_start":9007,"chunk_id":"chk_3c7b20acb50c36f0","chunk_index":5,"chunk_sha256":"28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d758f0521003c884","text_sha256":"28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810","token_estimate":613,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Housing_Mission_Report___U_S__FEDERAL_HOUSING_ho765g.md"]},"text":"Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n\nFilter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/321&order=field_release_date&sort=asc) Report Attachment April 17, 2024 [2023 Housing Mission Report: Affordable Housing Activities of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks](/reports/mission-report/2023) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2023-Housing-Mission-Report.pdf) April 28, 2023 [2022 Housing Mission Report: Affordable Housing Activities of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks](/reports/mission-report/2022) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2022-Mission-Report.pdf) June 06, 2022 [2021 Mission Report: Affordable Housing Activities of the Regulated Entities](/reports/mission-report/2021) [Read Report](/document/fhfa-2021-mission-report-affordable-housing-activities-of-the-regulated-entities)\n"}
diff --git a/chunks/json/28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf.json b/chunks/json/28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf.json
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index 0000000000000000000000000000000000000000..ecc6456c39fda83c200c53874e2acbe30529310f
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+++ b/chunks/json/28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf.json
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+{"chunk":{"char_end":11078,"char_start":9042,"chunk_id":"chk_54d39200fb4382a6","chunk_index":5,"chunk_sha256":"28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf","token_estimate":509,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"•\nLenders must use Condo Project Manager™ (CPM™) for all condo projects requiring the Full Review Process.\n• The CPM Project ID (6 digits) must be provided at delivery for projects using CPM, including those with Fannie\n\nMae Approval.\n\nStarting October 30, 2023 for Application Received Dates on or after July 1, 2023, the following CPM edits in Loan Delivery\nwill be fatal:\n\n•\n-\n-\n-\n-\n\n•\n\nEdits that require delivery of the CPM Project ID for project types R, S, T, and 2:\nType-R Condo: Full Review (with CPM) – New Condo Project\nType-S Condo: Full Review (with CPM) – Established Condo Project\nType-T Condo: Fannie Mae approved condo or PUD project, including those approved through PERS.\nType-2 Condo: Fannie Mae approved co-op project, including those approved through PERS.\n\nEdits that validate the CPM Project ID provided in Loan Delivery matches a valid Project ID in CPM.\n\nNote: Edits validating the condo project is not Unavailable in CPM will remain as warning at this time.\nFor a comprehensive list of edit updates, refer to the LD Edit changes in the Loan Delivery Business Rules\n\nOct 30, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\nNov 1, 2023\n\nValue Acceptance +\nProperty Data\n\n• New fatal edit related to Value Acceptance (Nov 1, 2023).\n• Edits related to Closing Data, Loan Program, and CPM are changing from Warning to Fatal.\n\nSelling Guide Announcement SEL-2023-09: Selling Guide Updates and DU V. 11.1 Release I Nov. 18, 2023\n release notes clarified requirements for loans eligible for value acceptance + property data. Lenders must receive the\nDesktop Underwriter® (DU®) message stating that Fannie Mae has received the property data collection (DU message ID\n3713) on the last DU submission. A new delivery edit D323 will fire in Loan Delivery and EarlyCheck™ if a loan is delivered\nwith SFC 774 and the associated loan casefile did not receive DU message ID 3713 on the last DU submission. This edit will\n"}
diff --git a/chunks/json/28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148.json b/chunks/json/28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148.json
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index 0000000000000000000000000000000000000000..151ae30e071df1dae7176c01298e0c2e8f1510d6
--- /dev/null
+++ b/chunks/json/28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31747,"char_start":30035,"chunk_id":"chk_b6081c8678367231","chunk_index":18,"chunk_sha256":"28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"dataPointName\n\nThe XML element name of the associated primary data element.\n\nrelatedFieldName\n\nreportPath\n\nuniqueId\n\nThe name of the appraisal report field that is related to a given rule. Contains\n0, 1, or more related element names and their values to assist the reader in\nfully understanding the finding.\n\nThe xpath or an abbreviated version of the xpath.\n\nThe unique UAD 3.6 data specification number assigned to each instance of a\nMISMO data point.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nSample Fannie Mae SSR .JSON file output\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nSample Freddie Mac SSR .JSON file output\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nAppendix\nA. Related Resource Guides / Documents\nB. Sample Fannie Mae URAR SSR PDF\nC. Sample Freddie Mac URAR SSR PDF\nD. Submission Summary Report List of Data Elements\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n"}
diff --git a/chunks/json/28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5.json b/chunks/json/28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5.json
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index 0000000000000000000000000000000000000000..6d201107ca9d1b12a2caa27fc05491a32717c9f1
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+++ b/chunks/json/28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5.json
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+{"chunk":{"char_end":209987,"char_start":208275,"chunk_id":"chk_c3db1e052643b3e4","chunk_index":122,"chunk_sha256":"28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"R\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 54 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n271\n\n2\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Finish Square\nFootage)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n272\n\n2\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Exit Type)\n\nGSE Basement Exit\nType\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\n\n273\n\n2\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Rec Room\nCount)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms\nbelow grade.\n\n274\n\n2\n\ne-22\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Bedroom\nCount)\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below\ngrade.\n\n275\n\n2\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Bathroom\nCount)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below\ngrade.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeFinishSquareFeetNu\nmber\n"}
diff --git a/chunks/json/28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc.json b/chunks/json/28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc.json
new file mode 100644
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@@ -0,0 +1 @@
+{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_84dc16719e837929","chunk_index":0,"chunk_sha256":"28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_34892c2649958e0d","text_sha256":"28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Stress_Tests_Reports___Fannie_Mae___Freddie_Mac____nj4oqd.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/stress-tests-report\"\ndate_accessed: \"2026-01-27T17:48:02.301Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18.json b/chunks/json/290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18.json
new file mode 100644
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@@ -0,0 +1 @@
+{"chunk":{"char_end":60429,"char_start":58775,"chunk_id":"chk_ca4dd6ed0c5d5d41","chunk_index":34,"chunk_sha256":"290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Page 31 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Certifications and Intended Use / User\n\nSupervisory Appraiser Certifications\n\nThe Supervisory Appraiser Certifications subsection displays when there is a Supervisory Appraiser, as displayed\nin the Assignment Information section (08.028-08.042). The predefined supervisory appraiser certifications\nalways display, and additional supervisory appraiser certifications may be added when relevant.\n\nAdditional Appraiser Certifications\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nRequired when there\nis a Supervisory\nAppraiser\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nAdditional Supervisory Appraiser Certifications\nIndicates whether there are additional appraiser certifications.\n\n09.024 N/A\n\nDisplays when\nAdditional Supervisory\nAppraiser\nCertifications is Yes\n\nFree-form\n\nAdditional Supervisory Appraiser Certification Text\nAdditional certifications that are required, such as designations.\n\nNote: Additional supervisory appraiser certifications cannot be contrary to, and\nshould not repeat, the predefined supervisory appraiser certification text.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 32 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Certifications and Intended Use / User\n\nSignature\n\nThe Signature subsection always displays and repeats for each person (Appraiser and / or Supervisory Appraiser)\nwho is signing the report. Only Appraisers and Supervisory Appraisers can sign the report.\n\nMost of the information in this subsection redisplays from Assignment Information.\n"}
diff --git a/chunks/json/29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8.json b/chunks/json/29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8.json
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+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_b8d069bf788b05a8","chunk_index":0,"chunk_sha256":"29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9031e91e95792454","text_sha256":"29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Servicing___FHFA_mnr5t.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/mortgage-servicing\"\ndate_accessed: \"2026-01-27T17:54:20.677Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c.json b/chunks/json/2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c.json
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+{"chunk":{"char_end":77585,"char_start":75950,"chunk_id":"chk_f51708984606a68a","chunk_index":42,"chunk_sha256":"2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c","token_estimate":409,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"/\n\n>\nH\nP\nG\n<\n9\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41201\n\n[FR Doc. 2010–17119 Filed 7–14–10; 8:45 am]\n\nBILLING CODE 8070–01–C\n\nFEDERAL RESERVE SYSTEM\n\nFormations of, Acquisitions by, and\nMergers of Bank Holding Companies\n\nThe companies listed in this notice\nhave applied to the Board for approval,\npursuant to the Bank Holding Company\nAct of 1956 (12 U.S.C. 1841 et seq.)\n(BHC Act), Regulation Y (12 CFR Part\n225), and all other applicable statutes\nand regulations to become a bank\nholding company and/or to acquire the\nassets or the ownership of, control of, or\nthe power to vote shares of a bank or\nbank holding company and all of the\nbanks and nonbanking companies\nowned by the bank holding company,\nincluding the companies listed below.\n\nThe applications listed below, as well\n\nas other related filings required by the\nBoard, are available for immediate\ninspection at the Federal Reserve Bank\nindicated. The applications also will be\navailable for inspection at the offices of\nthe Board of Governors. Interested\npersons may express their views in\nwriting on the standards enumerated in\nthe BHC Act (12 U.S.C. 1842(c)). If the\nproposal also involves the acquisition of\na nonbanking company, the review also\n\nincludes whether the acquisition of the\nnonbanking company complies with the\nstandards in section 4 of the BHC Act\n(12 U.S.C. 1843). Unless otherwise\nnoted, nonbanking activities will be\nconducted throughout the United States.\nAdditional information on all bank\nholding companies may be obtained\nfrom the National Information Center\nwebsite at www.ffiec.gov/nic/.\n"}
diff --git a/chunks/json/2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c.json b/chunks/json/2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c.json
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+{"chunk":{"char_end":136103,"char_start":134485,"chunk_id":"chk_a23f49ae7678328b","chunk_index":158,"chunk_sha256":"2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 79\n\nAssignment Reason\n\nAssignment Information: General Information – Assignment Reason\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\n2.000\n\nAssignment Reason\n\n1000.0034\n\nValuationAssignmentType\n\nAlways displays\n\nBorrower, Seller, and Current Owner\n\nBorrowers, sellers, and current owners may be individuals or legal entities.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 80\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nAssignment Information: General Information – Borrower, Seller, and Current Owner\n\nBorrower Name\n\nWhen borrower is not provided, do not display report label.\n\n1000.0103\n\nPartyRoleType\n\nDisplay when PartyRoleType = “Borrower” and is an individual\n\n1000.0101\n\nFirstName\n\nDisplay when the borrower is an individual\n\n1000.0170\n\nMiddleName\n\nDisplay when provided when the borrower is an individual\n\n2.001\n\nBorrower Name\n\n1000.0102\n\nLastName\n\nDisplay when the borrower is an individual\n\n1000.0171\n\nSuffixName\n\nDisplay when provided when the borrower is an individual\n\n1000.0105\n\nPartyRoleType\n\nDisplay when PartyRoleType = “Borrower” and is a legal entity\n\n1000.0104\n\nFullName\n\nDisplay when the borrower is a legal entity\n\nSeller Name\n\nWhen seller is not provided, do not display report label.\n\n1000.0021\n\nPartyRoleType\n\nDisplay when PartyRoleType = “PropertySeller” and is an individual\n\n1000.0018\n\nFirstName\n\nDisplay when the seller is an individual\n\n1000.0172\n\nMiddleName\n\nDisplay when provided when the seller is an individual\n\n2.002\n\nSeller Name\n\n1000.0019\n\nLastName\n\nDisplay when the seller is an individual\n"}
diff --git a/chunks/json/2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a.json b/chunks/json/2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a.json
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+{"chunk":{"char_end":1660,"char_start":0,"chunk_id":"chk_a8f029ca1304bc04","chunk_index":0,"chunk_sha256":"2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a","token_estimate":415,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"379514\n\nMLS\n\n353852\n\nMLS\n\n389466\n\nMLS\n\nAssessorRecord\n\nMLS\n\nPhysicalMeasurement\n\n134710\n\nMLS\n\n133832\n\nMLS\n\n134531\n\nMLS\n\nXYZ Housing Data\n\n14568 Generic Rd\n\nOut There\n\nFabricated\n\n56789\n\nVA\n\n400\n\nDetached\n\nCarport\n\n2\n\n\\\\Images\\SF3_Carport.png\n\nimage/png\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\n\\\\Images\\SF3_Garage.png\n\nimage/png\n\n528\n\nAttached\n\nGarage\n\n2\n\n\\\\Images\\SF3_Garage.png\n\nimage/png\n\nNone\n\ntrue\n\nThe solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is sold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference of any purchaser of the property.\n\nfalse\n\ntrue\n\nNeutral\n\nHERS\n\nRESNET\n\n65\n\nHome Energy Score\n\nDOE\n\n7\n\nLeased\n\nSolar\n\nNone\n\nNone\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\nfalse\n\n1979\n\nfalse\n\nNone\n\nCarpet\n\nUpdated 5-10 years ago\n\nTypicalWearAndTear\n\nStandard Grade\n\nCeramicTile\n\nUpdates in the last 5-10 years\n\nTypicalWearAndTear\n\nStandard grade - partial upgraded (1st floor full baths)\n\nHardwood\n\nWell maintained\n\nTypicalWearAndTear\n\nStandard Grade\n\nVinyl\n\nWell maintained\n\nTypicalWearAndTear\n\nStandard Grade\n\nCarpets, Tile, Hardwood\n\nFlooring\n\nModeratelyUpdated\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard drywall meets market expectations for this type of dwelling.\n\nStandard 8-9 Ft. Ceilings\n\nWallsAndCeiling\n\nEightFeet\n\nNineFeet\n\nFlat\n\n\\\\Images\\SF3_WetBar.png\n\nimage/png\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nBasement has a custom brick wet bar that includes wood countertops.\n\nOther\n\nWet bar with custom brick work has been added as a unique interior feature.\n"}
diff --git a/chunks/json/2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c.json b/chunks/json/2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c.json
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+{"chunk":{"char_end":93902,"char_start":92295,"chunk_id":"chk_c785c91d0b88af78","chunk_index":55,"chunk_sha256":"2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Q4\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\nCondition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\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 C\n\nBuilding 1 | Unit C\n\nBuilding 1 | Unit 3\n\nBuilding 1 | Unit 3\n\nQuality\n\nCondition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\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 D\n\nBuilding 1 | Unit D\n\nBuilding 1 | Unit 4\n\nBuilding 1 | Unit 4\n\nQuality\n\nCondition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\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\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nAdjusted Price Per Unit\n"}
diff --git a/chunks/json/2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a.json b/chunks/json/2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a.json
new file mode 100644
index 0000000000000000000000000000000000000000..fcd0b9131429901e5ca3fe42f4915b0911221bd5
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+++ b/chunks/json/2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":454279,"char_start":452412,"chunk_id":"chk_fa73c2c2620ee7b1","chunk_index":348,"chunk_sha256":"2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a","token_estimate":467,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Report\nField ID\n\nNot on\nreport\n27.003\n\n27.004\n\n27.005\n\n27.006\n\nRevision History – Reconsideration of Value\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nReconsideration of Value\n\n4000.0004\n\nReconsiderationOfValueIndicator\n\nType\n\nDate\n\nResult\nReconsideration of Value\nCommentary\n\n4000.0006\n\nReconsiderationOfValueRequestedByType\n\n4000.0007\n\nReconsiderationOfValueResultDate\n\n4000.0008\n\nReconsiderationOfValueResult\n\nAlways displays\n\nAlways displays\n\n4000.0005\n\nReconsiderationOfValueCommentDescription\n\nAlways displays\n\nDisplay Rules\nWhen ReconsiderationOfValueIndicator (UID:\n4000.0004, FID: Not on report) = \"true\"…\nDoes not display\nThis field is required\nAlways displays “Borrower-Initiated”\n\nNote: The enumeration \"LenderInitiated\" is a value added to the subschema only. This value is not\n\nsupported by the GSEs and is only included as a potential future need by lenders.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 27 - 2\n\nPage 360\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n28 Supplemental Information\n\nPage 361\n\nThe Supplemental Information section provides a place for additional exhibits to be included in the appraisal report that did not specifically\nrelate to any other section.\n\nThe Supplemental Information Exhibits subsection displays when additional exhibits are provided.\n\n• Any supplemental images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 28.000.1) =\n\n“SupplementalExhibit”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 28.000.2).\n\n<IMAGE>\n\n<ImageCaptionCommentDescription>Descriptive caption for exhibit.</ImageCaptionCommentDescription>\n<ImageCategoryType> SupplementalExhibit</ImageCategoryType>\n<ImageLocationIdentifier>zip://location/ProjectInformationExhibit.jpg</ImageLocationIdentifier>\n<MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>\n"}
diff --git a/chunks/json/295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2.json b/chunks/json/295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2.json
new file mode 100644
index 0000000000000000000000000000000000000000..96e30dcd9912c7e7cc43289911287180d9f0131a
--- /dev/null
+++ b/chunks/json/295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12682,"char_start":10960,"chunk_id":"chk_85d2c4a3c91abd7f","chunk_index":6,"chunk_sha256":"295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_22e6cfd16b8e8aa4","text_sha256":"295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Risk_Scenarios___FHFA_u6imiv.md"]},"text":"For a more detailed description of the methodology, see the working papers listed below. Questions or comments can be sent to [FHLBmarketshocks@FHFA.gov](mailto:FHLBmarketshocks@FHFA.gov).\n\n***All scenarios posted prior to 2020 are intended for testing purposes only.***\n\n*Please note that only the quarter-end monthly scenarios are applicable for reporting risk-based-capital requirements. The off-quarter-end monthly scenarios are being provided at this time for testing and monitoring purposes, and may not be subject to the same degree of validation as the quarter-end scenarios.*\n\n**Description** **Format** Term point shocks to SOFR, OIS, Treasury, and FHLBank COF interest rate curves [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/interest-rate-shocks) Level shocks to the ATM swaption and cap volatility surfaces [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/additive-shocks) Shocks to SOFR and Treasury discounted OAS for Agency securities [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/agency-oas-shocks) PolyPaths ready file containing interest rate, implied volatility, and OAS shocks [​[XLSX and CSV Files]](/data/fhlb-stress-tests/market-risk-scenarios/polypath-shocks)\n\n## Assumptions and Directions Page\n\nA number of key assumptions and application directions are required in constructing the market risk scenarios and applying the shocks to the portfolio. They are described on the [Assumptions and Directions Page](/data/market-risk-scenarios/assumption-and-directions), which will be updated as appropriate.\n\nLast Update of the [Assumptions Details and Application Directions Page](/data/market-risk-scenarios/assumption-and-directions): 5/29/2018\n"}
diff --git a/chunks/json/2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3.json b/chunks/json/2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3.json
new file mode 100644
index 0000000000000000000000000000000000000000..0167df15d255d3a4dd91257ebc5152cd64532df5
--- /dev/null
+++ b/chunks/json/2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":366256,"char_start":364660,"chunk_id":"chk_8f0e2f0491a8c9de","chunk_index":211,"chunk_sha256":"2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 19 of 20\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n"}
diff --git a/chunks/json/296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a.json b/chunks/json/296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a.json
new file mode 100644
index 0000000000000000000000000000000000000000..314e36e78a79f73b6f7285518e5aa18512906ef0
--- /dev/null
+++ b/chunks/json/296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2908,"char_start":2318,"chunk_id":"chk_8acb16d266ce0983","chunk_index":1,"chunk_sha256":"296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a","date_utc":"2026-01-27T17:55:20+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_15a6945731784a82","text_sha256":"296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a","token_estimate":148,"warnings":["source_path=GSE_UAD_3.6.0_v1.3/GSE_UAD_3.6.0_v1.3/readme.txt","below_target_min_tokens"]},"text":"Changes made for v1.3:\n\n1. Made ADDITIONAL_IDENTIFIERS optional (added minOccurs=\"0\" to <xsd:element name=\"ADDITIONAL_IDENTIFIERS\" type=\"ADDITIONAL_IDENTIFIERS\" minOccurs=\"0\">). (Change #2024-002)\n2. Removed MarketPropertyValueTrendType. (Change #2024-024)\n3. Removed ValuationReconciliationConditionsCommentDescription. (Change #2024-021)\n4. Removed SubjectToExtraordinaryAssumptions and SubjectToHypotheticalConditions enumerations from PropertyValuationConditionalConclusionType. (Change #2024-021)\n5. Added containers and elements for Reconsideration of Value (ROV). (Change #2024-043)\n"}
diff --git a/chunks/json/29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7.json b/chunks/json/29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7.json
new file mode 100644
index 0000000000000000000000000000000000000000..2e6347dc241c9a9f267366e0fd2dcac56518c870
--- /dev/null
+++ b/chunks/json/29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7.json
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+{"chunk":{"char_end":3234,"char_start":1630,"chunk_id":"chk_9a451dc05e2742e5","chunk_index":1,"chunk_sha256":"29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a13f2e0157313ea9","text_sha256":"29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-cs-test-environment-overview.pdf"]},"text":"Quick Tips for Testing\n\n•\n\n•\n\nIf a UCD XML file contains a Casefile ID with an AUSType of ‘DesktopUnderwriter’, the Casefile ID will be ignored and the\nUCD test environment will proceed with processing. Warning Edit 2050 “The UCD Test Environment does not match\nCasefile IDs to any DU environment. The UCD submission was processed without DU matching.” will notify users that the\nDU matched was not performed.\nYou can use the UCD v2.0 Sample XML Files for testing; which are located on the UCD page.\n\nUpdates for UCD v2.0 Specification (UCD v2.0)\n\nThe UCD Test Environment has been updated with the UCD v2.0 Specification (UCD v2.0), including the requirements for UCD\nCritical Edits Phase 3B Postponed and Phase 4. The test environment will return “fatal” edits and feedback messages to help you\nprepare for UCD v2.0 and upcoming edit transitions\n\n•\n\n•\n\nYou can use the Fannie Mae Feedback Messages to assist you for edits you may receive. They are located on the UCD\npage under the Related Links.\nTo filter for the new and updated edits effective for September 29th production date, follow these steps:\n\no Open Fannie Mae Feedback Messages\no Select the Active UCD Messages tab in the workbook\no Highlight the column headers and set up your filters (Ctrl + Shift +L)\n\n▪\nFatal Severity Transition Date Column C, filter for the date when the edit will become Fatal\n▪ Edit Transition Phase Column B, to review the Phase of the Fatal Edit transition implementation\n\n© 2025 Fannie Mae\n\nPage 1 of 2\n\n▪ Severity Column D, to review the severity of each edit\n\nUCD Collection Solution Test Environment Home Page\n"}
diff --git a/chunks/json/297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576.json b/chunks/json/297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576.json
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+++ b/chunks/json/297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576.json
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+{"chunk":{"char_end":30484,"char_start":28847,"chunk_id":"chk_c4b12a2170a3edad","chunk_index":16,"chunk_sha256":"297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"•\n\n•\n\n04.004 Affects\n\nSoundness or\nStructural\nIntegrity\n\nRequired for each new\nobserved item\n\nYes | No\n\nIndicates whether the defect, damage, or deficiency affects the soundness and\n/ or structural integrity of the improvement.\n\n04.005 Recommended\nAction\n\nRequired for each new\nobserved item\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nThe recommended action for the defect, damage, or deficiency.\n•\n•\n•\n•\n\nCompletion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or inspection)\n\n04.006\n\nInspection Date Required for each new\n\nmm/dd/yyyy\n\nThe date of the inspection.\n\nobserved item\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 16 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Completion Status\n\n05 Completion Status\n\nThe Completion Status section displays when Original Market Value Condition (02.003) includes Subject to\nCompletion Per Plans. Depending on the answers provided, the contents of this section vary.\n•\n\nIs construction complete?\n\no Yes (Completion Status Example 1)\no No (Completion Status Example 2)\n\n• Was construction completed in a manner consistent with the original plans and specifications?\nIf yes, no further information is required, as illustrated in Completion Status Example 1.\nIf no, provide a description of each feature that is not consistent with the original plans and\nspecifications, as illustrated in Completion Status Example 3.\n\no\no\n\nCompletion Status Examples\n\nCompletion Status Example 1\n\nIn this example, construction is complete and in a manner consistent with the original plans and specifications.\n"}
diff --git a/chunks/json/29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563.json b/chunks/json/29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563.json
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index 0000000000000000000000000000000000000000..e8bc776ce2d4ef8562bfbe98e9c5cf81c83c1ada
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+++ b/chunks/json/29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563.json
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+{"chunk":{"char_end":29254,"char_start":26933,"chunk_id":"chk_5833ca2b717c3eee","chunk_index":16,"chunk_sha256":"29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563","token_estimate":581,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Statement of Assumptions and Limiting Conditions\n\nThe appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.\n\nIf the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist the\nreader in visualizing the property and understanding the appraiser’s determination of its size.\n\nThe appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property\ndata services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has\nused only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no\nguarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes\nthe property characteristics and supporting information have not changed in the interim.\n\nThe appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, unless\nspecific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such\nas, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions,\netc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or warranties, express\nor implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to\n"}
diff --git a/chunks/json/29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722.json b/chunks/json/29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722.json
new file mode 100644
index 0000000000000000000000000000000000000000..8d5fc8169adc3cdbab8960c5b1f428dbcc70248f
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+++ b/chunks/json/29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722.json
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+{"chunk":{"char_end":802484,"char_start":800858,"chunk_id":"chk_64cd4d63c6decc09","chunk_index":476,"chunk_sha256":"29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms vendor\nsoftware.\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\n197\n\n198\n\n199\n\n200\n\n201\n\n202\n\n203\n\n204\n\n205\n\n206\n\n207\n\n208\n\n209\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 142 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n210\n\n211\n\n212\n\n213\n\n214\n\n215\n\n216\n\n217\n\n218\n\n219\n\n220\n\n221\n\n222\n\n223\n\n224\n\n225\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n8\n\n9\n\n10\n\n11\n\n12\n\n13\n\n14\n\n15\n\n16\n\n17\n\n18\n\n19\n\n20\n\n21\n\n22\n\n23\n\nPROJECT\nINFORMATION\n\nAre any common elements leased to or\nby the Homeowners' Association?\nNo\n\nProject Common\nElements Leased\nIndicator\n\nIndicates that project common elements\nare leased by the project management\n(e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsLease\ndIndicator='N']\n\nPROJECT\nINFORMATION\n\nIf yes, describe the rental terms and\noptions.\n\nProject Common\nElements Lease\nTerms Description\n\nA free-form text field used to describe the\nproject management leasing status of\nproject common elements.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsLease\nTermsDescription\n\nPROJECT\nINFORMATION\n\nIs the project subject to ground rent?\nYes\n\nPROJECT\nINFORMATION\n\nIs the project subject to ground rent?\nNo\n\nPROJECT\nINFORMATION\n\nIs the project subject to ground rent?\nIf Yes, $ per year\n\nPROJECT\nINFORMATION\n\nIs the project subject to ground rent?\n(describe terms and conditions)\n"}
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new file mode 100644
index 0000000000000000000000000000000000000000..ed12aa2929cf95dd5b43ef3ab768c45a02015390
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+++ b/chunks/json/29d908d70824e7d88ea80503cc5661e2e3a977e0e1f5b4cb1647e21052d96ef2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":64900,"char_start":63266,"chunk_id":"chk_a795f274e4c2cf4e","chunk_index":17,"chunk_sha256":"29d908d70824e7d88ea80503cc5661e2e3a977e0e1f5b4cb1647e21052d96ef2","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"29d908d70824e7d88ea80503cc5661e2e3a977e0e1f5b4cb1647e21052d96ef2","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"13. MISMO v3.3.0 Value: In Appendix I excerpts, the format in which the form field entry on the Closing\n\nDisclosure excerpt must be represented in the UCD file. In many cases, the Regulation dictates a format for\nthe form field entry (e.g., dollar values must include cents, or interest rate values must include decimals). In\nthese cases, the format for the MISMO v3.3.0 value may differ based on XML, MISMO, or UCD\nrequirements.\n\n14. Notes: In Appendix I excerpts, the “Notes” column provides guidance when the format of the MISMO\n\nv3.3.0 value differs from that of the Form Field Entry. For example: Dates must be presented on the Closing\nDisclosure in the format “MM/DD/YYYY”, but must be delivered in the XML file as “YYYY-MM-DD”. Some\ncommon terminology is used in the “Notes” column:\n\na. “Represented on Form (ROF) as…:” is used in situations when:\n\ni. The data is not changed in any way other than to comply with formatting requirements (such\n\nas with dates or currency).\n\nii. “Dynamic” boilerplate text must be added to the provided data when it is rendered on the\n\nform\n\niii.\n\nIndicators are represented as checked boxes or “YES” and “NO” answers.\n\nb. “Only acceptable value” is used for non-enumerated data points for which the GSEs have specified valid\n\nvalues. Although these are string fields, only the value(s) shown are allowed.\n\nc. “Not shown – GSE-Required” is used when a data point is not displayed on the form but is required by\n\nthe GSEs in support of Regulation Z, data usability, or loan identification.\n\nd. “Not shown – Relationship:” is used when a data point is not displayed on the form but is required for\n"}
diff --git a/chunks/json/29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed.json b/chunks/json/29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed.json
new file mode 100644
index 0000000000000000000000000000000000000000..7ce6c63f57396fb6a75c408631be6d22321532a1
--- /dev/null
+++ b/chunks/json/29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1067179,"char_start":1063975,"chunk_id":"chk_a6d5ac0ed784bb89","chunk_index":634,"chunk_sha256":"29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed","token_estimate":801,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If an Alley exists, at least one of fields 1-115, 1-\n116 (values of Property Off Site Improvement\nOwnership Type) should be indicated.\n\nSite Utility Non\nPublic Description\n\nProperty Off Site\nImprovement\nDescription\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nProperty Off Site\nImprovement\nDescription\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\nA free-form text field used to describe the\nproperty off-site improvement specified\nby Property Off Site Improvement\nFeature Type.\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement Feature\nType is present.\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement Feature\nType is present.\nA free-form text field used to describe the\nproperty off-site improvement specified\nby Property Off Site Improvement\nFeature Type.\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement Feature\nType is present.\n\nIf utilities are present, at least one of fields 1-\n102, 1-103 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-104 (Site Utility Non\nPublic Description).\nIf utilities are present, at least one of fields 1-\n102, 1-103 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-104 (Site Utility Non\nPublic Description).\nIf field 1-103 (Site Utility Non Public Indicator)\nis indicated, this field is required. If no utilities\nare present 'None' must be populated.\nIf utilities are present, at least one of fields 1-\n105, 1-106 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-107 (Site Utility Non\nPublic Description).\nIf utilities are present, at least one of fields 1-\n105, 1-106 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-107 (Site Utility Non\nPublic Description).\nIf field 1-106 (Site Utility Non Public\nIndicator) is indicated, this field is required. If\nno utilities are present 'None' must be\nIf utilities are present, at least one of fields 1-\n108, 1-109 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-110 (Site Utility Non\nPublic Description).\nIf utilities are present, at least one of fields 1-\n108, 1-109 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-110 (Site Utility Non\nPublic Description).\nIf field 1-109 (Site Utility Non Public\nIndicator) is indicated, this field is required. If\nno utilities are present 'None' must be\n"}
diff --git a/chunks/json/29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe.json b/chunks/json/29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..1435d97d94e6a64f14378ab1916b44be888b8903
--- /dev/null
+++ b/chunks/json/29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14344,"char_start":12481,"chunk_id":"chk_eb71c18a7a2758c1","chunk_index":5,"chunk_sha256":"29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe","token_estimate":466,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage v of 76\n\nSection V. Resources\n\nI. Introduction\n\nA. Context for the User Guide\n\nIn recent years, it has become increasingly apparent that consistent and reliable data is a\nprerequisite for solid decision-making. Data standards, which articulate a common set of\nbusiness terms and definitions that can be easily accessed and understood by all parties,\nare crucial to improving the quality and accuracy of the data exchanged between business\npartners.\n\nIn recognition of this, the Federal Housing Finance Agency (FHFA) directed Freddie Mac\nand Fannie Mae (the GSEs) to develop the Uniform Mortgage Data Program (UMDP) to\nenhance the accuracy and quality of loan data delivered to each GSE. The UMDP is\nexpected to create process efficiencies and risk management capabilities that will\nstrengthen the housing finance system for the long term to better serve consumers.\n\nA key component of the UMDP is the Uniform Loan Delivery Dataset (ULDD), which\nidentifies the data points and the data delivery format required in connection with the\ndelivery of loans to each GSE. The ULDD leverages the MISMO Version 3.0 Reference\nModel (the V3.0 Reference Model)—the XML schema representing MISMO’s data\nstandard for single family properties.\n\nIn connection with implementation of the ULDD, the GSEs jointly developed the Uniform\nLoan Delivery Specification (the ULDDS), defining and documenting the common GSE-\napproach to the ULDD and providing the technical framework for developing the loan\ndelivery file that will be required for all loans delivered to either GSE. The GSEs also\npublished other supporting documentation to assist in the development of systems that\nlenders will need in order to implement the ULDD.\n"}
diff --git a/chunks/json/2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728.json b/chunks/json/2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728.json
new file mode 100644
index 0000000000000000000000000000000000000000..bfe40186db56c75b55d9271b83a49f2ba5291292
--- /dev/null
+++ b/chunks/json/2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19758,"char_start":18221,"chunk_id":"chk_fe3d56ceb82d55e7","chunk_index":9,"chunk_sha256":"2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"B5-2-03, Manufactured Housing Underwriting\nRequirements (12/10/2025)\n\nSB5-2-03, Manufactured Housing Underwriting\nRequirements (12/10/2025)\n\nB5-2-04, Manufactured Housing Pricing, Mortgage\nInsurance, and Loan Delivery Requirements\n(12/10/2025)\n\nSB5-2-04, Manufactured Housing Pricing, Mortgage\nInsurance, and Loan Delivery Requirements\n(12/10/2025)\n\nB5-2-05, Manufactured Housing Legal\nConsiderations (12/10/2025)\n\nSB5-2-05, Manufactured Housing Legal\nConsiderations (12/10/2025)\n\nB5-3.1-01, Conversion of Construction-to-\nPermanent Financing: Overview (06/04/2025)\n\nSB5-3.1-01, Conversion of Construction-to-Permanent\nFinancing: Overview (06/04/2025)\n\nB5-3.1-02, Conversion of Construction-to-\nPermanent Financing: Single-Closing\nTransactions (11/05/2025)\n\nSB5-3.1-02, Conversion of Construction-to-Permanent\nFinancing: Single-Closing Transactions (11/05/2025)\n\nB5-3.2-01, HomeStyle Renovation Mortgages\n(12/102025)\n\nSB5-3.2-01, HomeStyle Renovation Mortgages\n(12/10/2025)\n\nB5-3.2-05, HomeStyle Renovation Mortgages:\nCompletion Certification (06/04/2025)\n\nSB5-3.2-05, HomeStyle Renovation Mortgages:\nCompletion Report (06/04/2025)\n\nB5-3.3-01, HomeStyle Energy for Improvements on\nExisting Properties (10/08/2025)\n\nSB5-3.3-01, HomeStyle Refresh for Improvements on\nExisting Properties (12/10/2025)\n\nB5-4.2-02, Disaster-Related Limited Cash-Out\nRefinance Flexibilities (10/08/2025)\n\nSB5-4.2-02, Disaster-Related Limited Cash-Out\nRefinance Flexibilities (10/08/2025)\n\nB5-7-03, High LTV Refinance Alternative\nQualification Path (06/04/2025)\n"}
diff --git a/chunks/json/2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9.json b/chunks/json/2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9.json
new file mode 100644
index 0000000000000000000000000000000000000000..1fa1702331e2134dcf340590eecf6ab785b44eb4
--- /dev/null
+++ b/chunks/json/2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":108453,"char_start":106745,"chunk_id":"chk_1cbea477a851db7e","chunk_index":60,"chunk_sha256":"2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"5. PERIODIC_ADJUSTMENT_RULES / PERIODIC_ADJUSTMENT_RULE\n\nThis set of rules can repeat, with each rule identified by the value of\nAdjustmentRuleType as either “First” or “Subsequent.”\n\na. Adjustable Rate Loans. When the AdjustmentRuleType = “First,” the\nPERIODIC_ADJUSTMENT_RULE consists of instructions governing the establishment of\nthe initial periodic base rate. It specifies the initial periodic base rate, effective date,\nand the selection date for next periodic base rate, and the upper and lower limits for\nthe interest rate relative to the base rate.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 46 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-9. Use of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE for\nan ARM.\n\nThis loan, closed on January 15, 2010, has a 5-year initial fixed interest rate\nperiod and adjusts annually thereafter with a 5/2/6 cap structure.\n\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE —Instance #1\n\nData Point\n\nDefinition\n\nValid Value\n\nAdjustmentRuleType\n\nPerChangeMaximumD\necreaseRatePercent\n\nPerChangeMaximumIn\ncreaseRatePercent\n\nPerChangeRateAdjust\nmentEffectiveDate\n\nSpecifies whether the occurrence of the\nadjustment is the first change or a subsequent\nchange.\n\nThe maximum number of percentage points\nby which the rate can decrease from the\nprevious interest rate.\n\nThe maximum number of percentage points\nby which the rate can increase from the\nprevious interest rate.\n\nThe date when the Interest Rate Per Change\nAdjustment Rule first becomes applicable.\nThe Rule remains in effect unless another\nRule with a later date is present on the loan.\n"}
diff --git a/chunks/json/2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21.json b/chunks/json/2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21.json
new file mode 100644
index 0000000000000000000000000000000000000000..b26b9f9acefbece2f0490b0beb12a66b1a537f83
--- /dev/null
+++ b/chunks/json/2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":632357,"char_start":630573,"chunk_id":"chk_0d643916f477c344","chunk_index":373,"chunk_sha256":"2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21","token_estimate":446,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"434\n\n3\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(Line 1)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n\nThe total area of the property\nimprovements below grade.\n\n435\n\n3\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(Line 1)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeTotalSquareFeetNumber\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber\n\n5\n\n5\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Gross Living Area Only\nGross Living Area (GLA) must be reported in square feet.\n\nPDF Display Format:\nWhole numbers only\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 3-93 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3-\n86, 3-87, 3-91, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe appraisal report must indicate the square footage in whole numbers only, no\ncommas. If there is no basement, a value of zero (0) must be entered.\n"}
diff --git a/chunks/json/2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57.json b/chunks/json/2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57.json
new file mode 100644
index 0000000000000000000000000000000000000000..8f256facccec3c80fe2e7454f7aec69944ba6031
--- /dev/null
+++ b/chunks/json/2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":363290,"char_start":361652,"chunk_id":"chk_81e785ef729c1b4e","chunk_index":201,"chunk_sha256":"2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"9667.30\n\n11.3\n\nClosing Costs Paid\nat Closing (J)\n\nIntegratedDisclosur\neSectionType\n\nDueFromBorrower\nAtClosing\n\nThis amount\nrepresents the\nresult of 9.2.2 less\n9.3.2.\n\nNot shown –\nIdentifies section to\nwhich subsection\nbelongs\n\n11.3\n\nClosing Costs Paid\nat Closing (J)\n\nIntegratedDisclosur\neSubsectionType\n\nClosingCostsSubtot\nal\n\nROF as “Closing\nCosts Paid”\n\n11. 4 BORROWER PAYOFFS AND PAYMENTS\n\nSometimes an exchange of funds occurring outside of the closing transaction must be disclosed. When a\nborrower must pay off an external liability(ies) as a condition of receiving the loan, the line item is disclosed as\n11.4 and identified in the XML document by the value of LiabilityType.\n\nExamples include, but are not limited to:\n\nAppendix E: UCD Implementation Guide\n\nPage 166 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\n1. Payoff of existing lien(s) secured by the property, such as mortgages, deeds of trust, judgments that have\nattached to the real property, mechanics’ and materialmen’s liens, and local, State and Federal tax liens;\n\n2. Payments of the borrower(s) unsecured outstanding debts; and\n\n3. Payments to third parties for the borrower(s) outstanding debts (but not for settlement services) as a\ncondition of receiving credit. Figure 94 shows the borrower’s payment of a credit card balance.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n\n03 11.3 Closing Costs Paid at Closing (J)\n\n11.0.1 $252,347.30\n\n11.3.1\n\n$10,167.30\n\n04 11.4 Credit Card Balance to Finance Bank\n\n11.4.1\n\n$2,000.00\n\nFigure 94. Borrower Payoffs and Payments\n"}
diff --git a/chunks/json/2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d.json b/chunks/json/2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d.json
new file mode 100644
index 0000000000000000000000000000000000000000..e1941a73c80af494f719d51ecd04271c590d2249
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+++ b/chunks/json/2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":455991,"char_start":454138,"chunk_id":"chk_75a123362747ca45","chunk_index":267,"chunk_sha256":"2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d","token_estimate":464,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"150\n\n151\n\n152\n\n153\n\n154\n\n155\n\n156\n\n157\n\nPROJECT\nINFORMATION\n\nProject (Parking)\nRatio (spaces/units)\n\nPROJECT\nINFORMATION\n\nProject (Parking)\nType\n\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\n\nProject\nGuest Parking\nSubject Phase\n# of Units\nSubject Phase\n# of Units Completed\nSubject Phase\n# of Units For Sale\nSubject Phase\n# of Units Sold\nSubject Phase\n# of Units Rented\n\nProject Car Storage\nSpaces To Units\nRatio Number\n\nProject Car Storage\nDescription\n\nGuest Parking\nSpaces Count\nPlanned Units\nCount\nCompleted Units\nCount\nUnits For Sale\nCount\n\nSpecifies the ratio of the total number of\nparking spaces to the number of units in\nthe project.\nSpecifies the details, condition,\nrestrictions, proximity, etc. of car storage\nfor the entire project.\nThe total number of guest or common-area\nparking spaces in the project.\n\nTotal number of planned living units.\n\nTotal number of completed living units.\n\nTotal number of living units for sale.\n\nUnits Sold Count Total number of living units sold.\n\nUnits Rented\nCount\n\nTotal number of living units rented.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@_SpacesToUnitsRatioNumber\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@_Description\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@GuestParkingSpacesCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@PlannedUnitsCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@CompletedUnitsCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@UnitsForSaleCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@UnitsSoldCount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@UnitsRentedCount\n"}
diff --git a/chunks/json/2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6.json b/chunks/json/2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6.json
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index 0000000000000000000000000000000000000000..d8157507b63d7f062d34d0f09723712cf5993bb6
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+++ b/chunks/json/2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2045,"char_start":0,"chunk_id":"chk_c69bfdd846df4de1","chunk_index":0,"chunk_sha256":"2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6","token_estimate":511,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nDecember 12, 2022\n\nThis UCD Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read format all in one document. See the 2021\nRelease Notes Summary to review an archive of the enhancements to UCD in 2021.\n\nLooking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.\n\nJust Released\n\nEffective\nDate\n\nDecember\n12\n\nUPDATED\n\nImpacted Area\n\nUCD Critical Edits -\nPhase 3\nImplementation\n\nDescription\n\nOn Dec. 12, 2022, Fannie Mae implemented the following UCD Phase 3 edits updates in UCD production and the UCD\ntest environment:\n\n• Updated the logic for edit 3632 and turned the edit back on\n\n• Updated the feedback message for edit 3628\n\n• Removed edits 3604 and 3585\n\nSee the UCD Feedback Messages revision history tab and the Phase 3 edits tab for all updates. Please reference the UCD\nCritical Edits Transition Resources page for additional resources.\n\n© 2022 Fannie Mae\n\nDecember 2022\n\nOn the Horizon\n\nEffective\nDate\n\nQ1 2023\n\nImpacted Area\n\nNew Data Point –\nQualified Mortgage\nShort Reset ARM APR\nPercent\n\nDescription\n\nAs announced by the GSEs in the UCD Specification Update Impact Memo, the new data point\n‘gse:QualifiedMortgageShortResetARM_APRPercent’ will be required on and after May 1, 2023 for all Adjustable-Rate\nMortgages (ARMs) that meet the definition below.\n\nFor all ARMs, lenders must use the loan amount over the loan term to calculate periodic payments of principal and interest.\nThe Revised Qualified Mortgage (QM) Rule’s Annual Percentage Rate (APR) and Average Prime Offer Rate (APOR) threshold\ntest adds an APR data requirement for adjustable-rate QM loans that have an interest rate change within the first five years.\nThe lender must use the maximum interest rate that could apply during the first five years after the first payment is due when\ncalculating the qualifying rate, e.g.:\n"}
diff --git a/chunks/json/2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312.json b/chunks/json/2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312.json
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--- /dev/null
+++ b/chunks/json/2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3467,"char_start":1805,"chunk_id":"chk_d5394d9ed1db1a13","chunk_index":1,"chunk_sha256":"2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6f6d7ced83910f89","text_sha256":"2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/master-servicing-payment-deferral-release-notes.pdf"]},"text":"Reference Fannie Mae Servicing Guide for more details on reporting changes.\n\nUpdates to the LSDU User Interface (UI)\n\nWith this release, LSDU users will be able to view the Mod Program Type “Payment Deferral No Reclass Program 1 to 12 months”\nfor COVID-19 payment deferral and “Payment Deferral No Reclass Program” for Payment Deferral in the Delinquency Modification\nData section of LSDU. See screenshots below.\n\nCOVID-19 Payment Deferral\n\n© 2020 Fannie Mae 7.1.20 Page 1 of 3\n\nPayment Deferral\n\nUpdates to Fannie Mae Connect Reports\n\nWith this release, Fannie Mae Connect users can determine closed and cancelled payment deferrals by accessing the following\nFannie Mae Connect Reports:\n\nFormer Report\nName\n\nDARTS Closed\nModification\n\nNew Report Name\n\nDARTS Delinquency\nModification and\nPayment Deferral\nClosed Report\n\nDelinquency\nModification and\nPayment Deferral\nCancellations\n\nDel Mod\nCancellation\n\nUsage\n\nPayment Deferral\nIdentification\n\nCOVID-19 Payment\nDeferral Identification\n\nThis report contains\nmodifications and payment\ndeferrals that successfully closed\nin Fannie Mae's Servicing Solution\nSystem and bridged over to\nFannie Mae's Servicing and\nInvestor Reporting (SIR) system\nfor the specified month.\n\nThis report contains\nmodifications and payment\ndeferrals that cancelled in Fannie\nMae's Servicing Solution System\nrequiring case cancellations in\nFannie Mae's Servicing and\nInvestor Reporting (SIR) system\nfor servicer's portfolio.\n\nPayment Deferral\nNo Reclass\nProgram (Del Mod\nProgram)\n\nPayment Deferral No\nReclass Program 1 to 12\nmonths\n\nProgram type not\nidentified on\nreport; go to LSDU\nDelinquency\nModification Data\ntab to view Mod\nProgram Type\n"}
diff --git a/chunks/json/2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24.json b/chunks/json/2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24.json
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index 0000000000000000000000000000000000000000..b5fc906df3f877a9ef272b25f9f7bdf6a30f9661
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+++ b/chunks/json/2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6773,"char_start":5173,"chunk_id":"chk_afad0014dab6f5fa","chunk_index":3,"chunk_sha256":"2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2021.pdf"]},"text":"Numeric code indicating the sex of the co-borrower.\n1=Male, 2=Female, 3=Information not provided by\nborrower, 4=No Co-Borrower, 5=Not Applicable\n(First or primary borrower is an institution,\ncorporation or partnership), 6=Indeterminate Value\n\nAge in years of the borrower at time application\nsubmitted; 999=Age not provided, 998=Not Applicable\n(Borrower might be a legal entity like an LLC)\n\nAge in years of the borrower at time application\nsubmitted; 999=Age not provided, 998=No Co-\nBorrower\nNumeric code indicating whether property is owner\noccupied, second home or a rental investment\nproperty. 1=Principal Residence, 2=Second Home,\n3=Investment Property\nTotal number of units in the property\nInterest rate on the mortgage at acquisition\nMortgage balance at origination\nRatio of mortgage principal and interest and housing\nexpenses to total borrower income.\nRatio of all debt payments to total borrower income.\n\nCredit Scores are separated into a range: 1=<620,\n2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or\ngreater, 9 = Missing or Not Applicable\nCredit Scores are separated into a range: 1=<620,\n2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or\ngreater, 9 = Missing, Not Applicable or No-Co-\nBorrower\nPercent of mortgage balance at origination covered by\nloan level PMI\n\n40\n\nEmploymentBorrowerSelfEmployed\n\nSelf\n\nEmployment Borrower Self Employment Indicator Numeric code indicating whether the borrower is self-\n\n41\n\nPropertyType\n\nPropType\n\nProperty Type\n\n42\n\nIndexSourceType\n\nARMIndex\n\nIndex Source Type\n\n43 MarginRatePercent\n\nARMMarg\n\nMargin Rate Percent\n\n44\n\nPrepaymentPenaltyExpirationDate\n"}
diff --git a/chunks/json/2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334.json b/chunks/json/2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334.json
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index 0000000000000000000000000000000000000000..46d22b9922b89f32f052e94daea2f2d19abc1fdd
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+++ b/chunks/json/2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":282232,"char_start":280526,"chunk_id":"chk_42b2545206f03973","chunk_index":246,"chunk_sha256":"2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334","token_estimate":426,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 12.026.2).\n\nOutbuilding – Arcrole Relationships\n\nArcrole relationships establish \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nDEFECT to IMPROVEMENT\n\nDeliver RELATIONSHIP to associate the defect to the applicable instance of IMPROVEMENT where the ImprovementType = \"Outbuilding\".\nOne RELATIONSHIP container is required for each defect identified on the exterior of the dwelling.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n3900.0192\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf IMPROVEMENT\n\n3900.0193\n\nRELATIONSHIP\n\n@xlink:from\n\nDEFECT_n\n\n3900.0194\n\nRELATIONSHIP\n\n@xlink:to\n\nIMPROVEMENT_n\n\n3900.0163\n\nDEFECT\n\n0300.0003\n\nIMPROVEMENT\n\n@xlink:label\n\n@xlink:label\n\nDEFECT_n\n\nIMPROVEMENT_n\n\nRefer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.\n\nPage 213\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n13 Vehicle Storage\n\nPage 214\n\nThe Vehicle Storage section provides information about all vehicle storage for the property. This section provides space for additional\ncommentary, exhibits, and any apparent defects, damages, or deficiencies.\n"}
diff --git a/chunks/json/2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228.json b/chunks/json/2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228.json
new file mode 100644
index 0000000000000000000000000000000000000000..7917a5b20e32e95d8de88c1e030abea82e334876
--- /dev/null
+++ b/chunks/json/2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":760752,"char_start":759110,"chunk_id":"chk_23b00cf3da580225","chunk_index":453,"chunk_sha256":"2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"29.070 Expires\n\nDisplays if Credential\nType is not None\n\nmm/dd/yyyy\n\nExpiration date of the credential.\nNote: Redisplays from 2.027 (Appraiser) or 2.042 (Supervisory Appraiser).\n\nAppendix F-1: URAR Reference Guide\n\nPage 345 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 1: Glossary\n\nAppendix 1: Glossary\n\nTerm\n\nAccessory Dwelling Unit (ADU)\n\nApparent Environmental\nCondition\n\nAssessor Record\n\nBelow Grade\n\nCommunity Land Trust (CLT)\n\nDefinition\n\nAn additional living area that is independent of the primary dwelling unit that includes a kitchen, full bathroom, and\nsleeping area. It has a separate ingress and egress from the primary dwelling unit. It is generally subordinate in size\nand location to the primary dwelling, and may be attached to a house or garage, or built as a stand-alone unit.\nGenerally, it will use the utility connections of the primary house.\n\nA contamination (hazard or nuisance) that may affect the value and marketability of the site.\n\nRecorded information that identifies and describes real estate property (e.g., a record of transactions, value for\ntaxation purposes), sometimes referred to as a property record, tax card, or public record.\n\nA level that is either entirely or partially below the ground level. If any portion of an area is below ground level, then\nthe entire level is considered below grade.\n\nA non-profit entity, or federal, state, or local government that owns land and leases it under a long-term ground lease\nto a homebuyer who purchases the improvements on the land. The ground lease contains certain land use restrictions\nthat preserve use of the property for affordable housing.\n"}
diff --git a/chunks/json/2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084.json b/chunks/json/2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084.json
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index 0000000000000000000000000000000000000000..f541ac979d2633c80bb868848168e31f3d95292e
--- /dev/null
+++ b/chunks/json/2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":80017,"char_start":78381,"chunk_id":"chk_c98b7c9f513c510b","chunk_index":26,"chunk_sha256":"2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"As shown in Figure 4, all Document Specific data points in UCD reside under DOCUMENT_ SPECIFIC_DATA_SET\nin the INTEGRATED_DISCLOSURE container and child containers in the MISMO XML structure. As shown in\nFigure 5, the following child containers of INTEGRATED_DISCLOSURE are used in UCD:\n\na. CASH_TO_CLOSE_ITEMS (10.0 Calculating Cash to Close Table)\n\nb. ESTIMATED_PROPERTY_COSTS (5.0 Projected Payments Table, Estimated Taxes, Insurance &\n\nAssessments (ETI&A))\n\nc.\n\nINTEGRATED_DISCLOSURE_DETAIL (1.1 Date Issued, 3.3 Product, 18.0 Escrow Account)\n\nd. INTEGRATED_DISCLOSURE_SECTION_SUMMARIES (Section and Subsection Headings and Totals)\n\ne. PROJECTED_PAYMENTS (5.0 Projected Payments Table, Payment Calculation)\n\nAppendix E: UCD Implementation Guide\n\nPage 19 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\nFor example: 3.3 Product is conveyed using the Document Specific data point IntegratedDisclosure\nLoanProductDescription within the INTEGRATED_DISCLOSURE_DETAIL container. If the loan is delivered into a\ndifferent context, say the secondary mortgage market, the Product data from the Closing Disclosure may not\nconform to an investor’s product definitions.\n\nFigure 4. Document Specific Structure of the MISMO v3.3.0 Reference Model\n\n3. MUTUALLY EXCLUSI VE D ATA POI NTS\n\nIn some instances, mutually exclusive data points have been mapped to one form field. The appropriate data\npoint to provide depends upon a specific condition being met. For example: Four mutually exclusive data points\nare mapped to 4.2 / 4.2.1 Interest Rate. The data point to be used in the UCD file depends on whether the loan:\n"}
diff --git a/chunks/json/2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e.json b/chunks/json/2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e.json
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--- /dev/null
+++ b/chunks/json/2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":199667,"char_start":198038,"chunk_id":"chk_6d55bd81088e0dc4","chunk_index":111,"chunk_sha256":"2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 85 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 64. Rendering Escrow Payment at Closing Data on the CD.\n\nOther Costs\n\n8.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nAt Closing\n\nBefore\nClosing\n\nBefore\nClosing\n\n8.10 G. Initial Escrow Payment at Closing\n\n8.10.1\n\n8.11 Homeowner’s Insurance 8.11.1 ($100.83 per month for 2 mo.) 8.11.2 $201.66\n\n8.12 Mortgage Insurance 8.12.1 ($__per month for__mo.)\n\n8.13 Property Taxes 8.13.1 ($105.30 per month for 2 mo.)\n\n8.12.2\n\n8.13.2\n\n8.11.4\n\n8.12.4\n\n8.13.4 $210.60\n\nPaid by\nOthers\n\n8.11.6\n\n8.12.6\n\n8.13.6\n\n8.14 Condo Dues 8.14.1 ($50.00 per month for 4 mo.)\n\n8.14.2 $75.00\n\n8.14.4 $125.00\n\n8.14.6\n\n8.15 Aggregate Adjustment\n\n8.15.2 -$77.00\n\nacross\n\nAs illustrated in Figure 64 for 8.14 Condo Dues, if the escrow item was funded by more than one payor, break out the\npayment\nEscrowItemActualPaymentAmount,\nEscrowItemPaymentPaidByType and EscrowItemPaymentTimingType are used as necessary to represent payments by the\nBorrower, Seller or a third party. ESCROW_ITEM_PAYMENT repeats for each payor. (EscrowItemPaymentTimingType is\nalways “AtClosing” for escrow line items.\n\npayors with\n\nportion\n\ncharge.\n\ntheir\n\nthe\n\nall\n\nof\n\nTable 43. UCD v2.0 Spec Excerpt - Escrow Items Collected at Closing (Purchase) Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nUsage Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO\nW/ESCROW_DETAIL\n\n8.061\n\nEscrowAggregateAccountingAdjustment\nAmount\n\n-77.00\n\nThis data point provides all the data\nneeded for this line item.\n"}
diff --git a/chunks/json/2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949.json b/chunks/json/2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949.json
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index 0000000000000000000000000000000000000000..a1fcd11cebf6689ad0839ab1a68db5db9988f564
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+++ b/chunks/json/2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949.json
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+{"chunk":{"char_end":220268,"char_start":218631,"chunk_id":"chk_832f8dba3e4c78cb","chunk_index":129,"chunk_sha256":"2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Power Purchase Agreement\n(PPA)\n\nIndicates the renewable energy component is not owned by the property owner and is governed by a contract between\nthe owner of the renewable energy component (e.g., solar, wind turbine) and the property owner for the sale of electricity\ngenerated by the component.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nBuilding Certifications\n\nEnergy Efficient and Green Features: Building Certifications\n\nReport\nField ID\n\n6.004\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nKnown Building\nCertifications\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether the property has obtained building / green certifications\nincluding health or wellness certifications that are known to the appraiser.\nNote: If No, the Building Certification subsection does not display.\n\n6.005\n\nBuilding\nCertification\nOrganization\n\n6.006\n\nCertification\n\n6.007\n\nYear\n\n6.008\n\nVersion\n\n6.009\n\nRating\n\nRequired for each\nbuilding certification if\nKnown Building\nCertifications is Yes\n\nRequired for each\nbuilding certification if\nKnown Building\nCertifications is Yes\n\nIf available, for each\nbuilding certification if\nKnown Building\nCertifications is Yes\n\nIf applicable, for each\nbuilding certification if\nKnown Building\nCertifications is Yes\n\nIf applicable, for each\nbuilding certification if\nKnown Building\nCertifications is Yes\n\nFree-form\n\nThe full name of the association or program providing the building / green\ncertification.\n\nFree-form\n\nBuilding Certification Name\nThe full name or commonly-used acronym of the building / green certification\nthat was awarded.\n"}
diff --git a/chunks/json/2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74.json b/chunks/json/2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74.json
new file mode 100644
index 0000000000000000000000000000000000000000..598ab3e808d2f7b2368adcf1978a5e133c8abcba
--- /dev/null
+++ b/chunks/json/2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21326,"char_start":19663,"chunk_id":"chk_cc08d936eae9f2ed","chunk_index":11,"chunk_sha256":"2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74","token_estimate":416,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"3. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in\nquestion, unless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\n4. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or\nshe became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal\nreport, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the\nproperty (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,\nadverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no\nsuch conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any\nsuch conditions that do exist or for any engineering or testing that might be required to discover whether such conditions\nexist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be\nconsidered as an environmental assessment of the property.\n\n5. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to\nsatisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject\nproperty will be performed in a professional manner.\n"}
diff --git a/chunks/json/2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f.json b/chunks/json/2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f.json
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+{"chunk":{"char_end":12898,"char_start":10294,"chunk_id":"chk_8251f3e380787c10","chunk_index":6,"chunk_sha256":"2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b9cb6f1f19624831","text_sha256":"2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Non_Performing__NPL__and_Re_Performing_Loan__RPL___rg2ark.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/27256\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8.json b/chunks/json/2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8.json
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index 0000000000000000000000000000000000000000..969e5cdce7b53b551431a3308e0278f2a7d929b7
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+++ b/chunks/json/2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":51674,"char_start":49820,"chunk_id":"chk_c7c449b299431e42","chunk_index":30,"chunk_sha256":"2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8","token_estimate":464,"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":"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 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 26 of 26\nPage 26 of 26\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"}
diff --git a/chunks/json/2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54.json b/chunks/json/2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54.json
new file mode 100644
index 0000000000000000000000000000000000000000..e418acc15af631d3f276567eba915cb4a34b3eff
--- /dev/null
+++ b/chunks/json/2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22228,"char_start":20616,"chunk_id":"chk_ad5a17ee636139af","chunk_index":12,"chunk_sha256":"2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"• Limited Cash Out Refinance transaction - The borrower must have held legal title to the lot\nbefore he or she receives the first advance of interim construction financing. The borrower is using\nthe proceeds from the construction financing to pay off any existing liens on the lot and finance the\nconstruction of the property. This type of transaction is not a “true” limited cash-out refinance\nwhereby the borrower refinances a loan(s) that was used to purchase a completed property;\nhowever, all other requirements for limited cash-out refinances apply.\n\nThe following is a sample of a Single-Closing, Limited Cash Out Refinance Construction-to-Permanent\ntransaction. For the complete XML and full URLA forms please refer to test case DI-C05.\n\n“L1. Property and Loan Information” of the Lender Loan Information URLA and the related XML.\n\n22\n\n“L4. Qualifying the Borrower” – Construction costs are reflected as $275,000 on “Line A. Sales Contract\nPrice”. The payoff of the $25,000 remaining lot lien is shown on Line D. The loan amount is $290,000.\n\n23\n\nTwo-Closing Construction-to-Permanent Transactions\n\nTwo-closing construction-to-permanent mortgage transactions utilize two separate loan closings with two\nseparate sets of legal documents. The first closing is to obtain the interim construction financing (and may\ninclude the purchase of the lot), and the second closing is to obtain the permanent financing upon completion\nof the improvements. Fannie Mae does not purchase construction loans (the first closing); however, Fannie\nMae does purchase loans that were used to provide the permanent financing.\n"}
diff --git a/chunks/json/2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428.json b/chunks/json/2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428.json
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+{"chunk":{"char_end":168527,"char_start":166903,"chunk_id":"chk_adc79a7def9178d4","chunk_index":98,"chunk_sha256":"2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Car Storage\nAttachment Type\n\nSpecifies if the Car Storage Location\nspecified by Car Storage Location\nType is attached or detached.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE[@_AttachmentTyp\ne='BuiltIn']\n\n206\n\nIMPROVEMENTS\n\n207\n\nIMPROVEMENTS\n\n208\n\nIMPROVEMENTS\n\n209\n\nIMPROVEMENTS\n\n210\n\nIMPROVEMENTS\n\nAppliances\nRefrigerator\n\nAppliances\nRange/Oven\n\nAppliances\nDishwasher\n\nAppliances\nDisposal\n\nAppliances\nMicrowave\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\n211\n\nIMPROVEMENTS\n\nAppliances\nWasher/Dryer\n\nKitchen Equipment\nExists Indicator\n\n212\n\nIMPROVEMENTS\n\nAppliances\nOther\n\n213\n\nIMPROVEMENTS\n\nAppliances\nOther (describe)\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nType Other\nDescription\n\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type\nis present in the unit.\nA free-form text field used to describe\nthe kitchen equipment if Other is\nselected as the Kitchen Equipment\nType.\n"}
diff --git a/chunks/json/2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee.json b/chunks/json/2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee.json
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+{"chunk":{"char_end":332193,"char_start":330564,"chunk_id":"chk_aaea6a6327d1e790","chunk_index":190,"chunk_sha256":"2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FEE_INFO\nRMATION/FEES/FEE/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION\n\n15.000 | 15.001 | 15.004 |\n15.007 | 15.008 | 15.018 |\n15.009 | 15.010 | 15.013\n\n15.003 | 15.006 | 15.020 |\n15.017 | 15.012 | 15.015\n\nucd:FeeItemType\n\nSee UCD v2.0 Spec Tab “9-FeeItemType\nEnumerations”.\n\nUcd:FeeItemTypeOtherDescription\n\nUCD v2.0 Implementation Guide\n\n- 154 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix D. CD Versions and Associated Sections\n\nAPPENDIX D. CD VERSIONS AND ASSOCIATED SECTIONS\n\nThe Closing Disclosure is a dynamic form with included sections and fields varying based on the transaction purpose\n(purchase or refinance), loan product (fixed or adjustable rates) and CD form type (Model Form, Split Form – Borrower\nOnly, or Alternate Form). These are identified in UCD v2.0 with the data points DocumentType = “Other” and\nDocumentTypeOtherDescription =\n\n▪ “ClosingDisclosure:ModelForm” (For Purchase or Refinance Transactions)\n\n▪ “ClosingDisclosure:BorrowerOnly” (For Purchase or Refinance Transaction)\n\n▪ “ClosingDisclosure:AlternateForm” (For Refinance Transactions)\n\nThe following table shows the sections and fields that are required for each form variation. The “CD Field ID” and “CD Section\nName” are listed in the two left columns. The CD variations are listed in the two right columns. The form sections required\nfor each variation are checked. In some cases, only certain fields within a section need be provided. A blank cell in any column\nmeans that the corresponding section should not be included on that form.\n"}
diff --git a/chunks/json/2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae.json b/chunks/json/2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae.json
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+{"chunk":{"char_end":1075342,"char_start":1073729,"chunk_id":"chk_c25aeff7151199b9","chunk_index":639,"chunk_sha256":"2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-122, 1-123 (values\nof Property Analysis Exists Indicator and\nProperty Analysis Type =\n'UtilitiesAndOffSiteImprovementsConformToN\neighborhood') should be indicated.\nOne and only one of fields 1-122, 1-123 (values\nof Property Analysis Exists Indicator and\nProperty Analysis Type =\n'UtilitiesAndOffSiteImprovementsConformToN\neighborhood') should be indicated.\nIf field 1-123 (Property Analysis Exists\nIndicator = 'N' and Property Analysis Type =\n'UtilitiesAndOffSiteImprovementsConformToN\neighborhood') is indicated, this field should be\npopulated.\n\nOne and only one of fields 1-125, 1-126 (values\nof Property Analysis Exists Indicator and\nProperty Analysis Type =\n'AdverseSiteConditions') should be indicated.\n\nOne and only one of fields 1-125, 1-126 (values\nof Property Analysis Exists Indicator and\nProperty Analysis Type =\n'AdverseSiteConditions') should be indicated.\n\nIf field 1-125 (Property Analysis Exists\nIndicator = 'Y' and Property Analysis Type =\n'AdverseSiteConditions') is indicated then this\nfield should be populated.\n\nAt least one of 1-128, 129,130,131,132. and 1-\n33 should be populated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 180 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n135\n\n1\n\n129\n\nIMPROVEMENTS\n\nSource(s) Used for Physical\nCharacteristics of Property\nMLS\n\nData Source Type\n"}
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index 0000000000000000000000000000000000000000..1cb82cfbafd520e20cca51f51a9c9b9400f0bddc
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+++ b/chunks/json/2a8ee31c1f3f5df0b1ebc87ca02b64c5f17fe3ed083d31a74a7b6cbc3d91e8e4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22069,"char_start":20385,"chunk_id":"chk_11060526e6c5f591","chunk_index":12,"chunk_sha256":"2a8ee31c1f3f5df0b1ebc87ca02b64c5f17fe3ed083d31a74a7b6cbc3d91e8e4","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"2a8ee31c1f3f5df0b1ebc87ca02b64c5f17fe3ed083d31a74a7b6cbc3d91e8e4","token_estimate":421,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to\nsatisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject\nproperty will be performed in a professional manner.\n\nFreddie Mac Form 465 March 2005 226\n\nPage 4 of 6\n\nFannie Mae Form 1073 March 2005\n\n2\n\nIndividual Condominium Unit Appraisal Report\n\nFile # 3\n\n4 4a\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n\n1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\n\n2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition\nof the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the\nlivability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach\nfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop\nthem, unless otherwise indicated in this report.\n"}
diff --git a/chunks/json/2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd.json b/chunks/json/2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd.json
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index 0000000000000000000000000000000000000000..82abdcc634c57d374c6dfbe5c0d47d13c88c1a06
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+++ b/chunks/json/2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8731,"char_start":7086,"chunk_id":"chk_dc8489ea50261720","chunk_index":4,"chunk_sha256":"2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.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 - [Programs](/programs)\n - Natural Disaster Risk\n\nProgram\n\n# Natural Disaster Risk\n\n## **Agency Documents**\n\nSee FHFA’s natural disaster-related performance measures and targets for 2025, 2024, and 2023 within FHFA’s [FY 2025 Annual Performance Plan](/document/fhfa-annual-performance-plan-fy-2025), [FY 2024 Annual Performance Plan](/media/51621), and [FY 2023 Annual Performance Plan](/document/FY2023_APP.pdf), respectively.\n"}
diff --git a/chunks/json/2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e.json b/chunks/json/2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e.json
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index 0000000000000000000000000000000000000000..2bec5377ab1ac4c9dcf167e281322b43dfb6448d
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+++ b/chunks/json/2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e.json
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+{"chunk":{"char_end":484484,"char_start":482868,"chunk_id":"chk_d0c7008c60b5751e","chunk_index":362,"chunk_sha256":"2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"When PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\"\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\" AND\nAppraiserLicenseType <> \"None\"\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\" AND\nAppraiserLicenseType <> \"None\"\nWhen PartyRoleType = \"Appraiser\" OR \"AppraiserSupervisor\" AND\nAppraiserLicenseType <> \"None\"\n\nFigure 29 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nCertifications – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata, specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nSIGNATORY to ROLE - Provide the relationship that joins the SIGNATORY container to the PARTY container representing the appraiser or\nsupervisory appraiser. One RELATIONSHIP container is required for each PARTY that has signed the valuation report.\n\nPage 376\n\nAppraiser\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n1400.0342 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE\n\n1400.0343 RELATIONSHIP\n\n@xlink:from\n\nSIGNATORY_n\n\n1400.0344 RELATIONSHIP\n\n@xlink:to\n\n2200.0001\n\nSIGNATORY\n\n2400.0045 ROLE\n\n@xlink:label\n\n@xlink:label\n\nROLE_n\n\nSIGNATORY_n\n\nROLE_n\n\nSupervisory Appraiser\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n"}
diff --git a/chunks/json/2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504.json b/chunks/json/2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504.json
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+{"chunk":{"char_end":130356,"char_start":128743,"chunk_id":"chk_c8ddf8407e8b7ddc","chunk_index":76,"chunk_sha256":"2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-125, 1-126\n(values of Property Analysis Exists Indicator\nand Property Analysis Type =\n'AdverseSiteConditions') should be indicated.\n\nOne and only one of fields 1-125, 1-126\n(values of Property Analysis Exists Indicator\nand Property Analysis Type =\n'AdverseSiteConditions') should be indicated.\n\nIf field 1-125 (Property Analysis Exists\nIndicator = 'Y' and Property Analysis Type =\n'AdverseSiteConditions') is indicated then this\nfield should be populated.\n\nOne and only one of fields 1-128, 1-129\n(values of Structure Accessory Unit Exists\nIndicator) should be indicated.\nOne and only one of fields 1-128, 1-129\n(values of Structure Accessory Unit Exists\nIndicator) should be indicated.\n\nOne and only one of fields 1-131, 1-132, 1-\n133 (values of Attachment Type) should be\nindicated.\n\nOne and only one of fields 1-131, 1-132, 1-\n133 (values of Attachment Type) should be\nindicated.\n\nOne and only one of fields 1-131, 1-132, 1-\n133 (values of Attachment Type) should be\nindicated.\n\nOne and only one of fields 1-134, 1-135, 1-\n136 (values of Building Status Type) should\nbe indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 41 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n"}
diff --git a/chunks/json/2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750.json b/chunks/json/2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750.json
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+++ b/chunks/json/2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36957,"char_start":35093,"chunk_id":"chk_708bdd09439bc921","chunk_index":21,"chunk_sha256":"2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750","token_estimate":466,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"X\n\nX\n\nX\n\nX\n\nX\n\nFormat\nType\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nFRE\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nPDF Data Point Name\n\nJSON SSR\nField Name\n\nDefinition / Description\n\nAppears on…\n[FNM, FRE, Both] *\n\nURAR\n\nDate of Report Signature\n\nappraiserExecutionDa\nte\n\nThe date the appraiser’s signature was or will be\naffixed to the document.\n\nDate of Report Signature\n{Supervisory Appraiser row}\n\nsupervisoryExecution\nDate\n\nWhen present, the date the supervisory appraiser’s\nsignature was or will be affixed to the document.\n\nDelivery S/SN\n\ndeliverySellerNumber The Freddie Mac Seller/Servicer number used for\n\nDocument File ID\n\ndocumentFileId\n\nDocument File Status\n\ndocumentFileStatus\n\nDocument ID\n\ndocumentId\n\nDocument Status\n\ndocumentStatus\n\nDocument Type\n\ndocumentType\n\ndelivery.\n\nA unique identifier assigned by UCDP to all appraisal\ndocument submissions associated with a property.\n\nStatus of all active appraisal report submissions\nassociated with a property. The status is determined\nby the results of all document validations; if no fatal\nseverity findings are fired, status is \"Successful\"; if\nfatal severity findings are fired, status is \"Not\nSuccessful\".\n\nA unique identifier assigned by UCDP to all appraisal\nreport submissions associated with a property.\n\nStatus of the appraisal report submission associated\nwith a property. The status is determined by the\nresults of all document validations; if no fatal\nseverity findings are fired, status is \"Successful\"; if\nfatal severity findings are fired, status is \"Not\nSuccessful\".\n"}
diff --git a/chunks/json/2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088.json b/chunks/json/2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088.json
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index 0000000000000000000000000000000000000000..6e814cb9f9ad1112708ef7ec09910a4c6dd130f5
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+++ b/chunks/json/2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39081,"char_start":38162,"chunk_id":"chk_00aabf735ad1f5f0","chunk_index":41,"chunk_sha256":"2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:19)\n\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:20)\n\nFinancially Feasible\nMaximally Productive\n\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:22)\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? (cid:133) (cid:133)\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:23)\n\nHighest and Best Use Commentary(cid:1)\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:24)\nHighest and Best Use Exhibits\n\n(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:20)(cid:3)(cid:3)(cid:3)(cid:95)(cid:3)(cid:3)(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:21)\n"}
diff --git a/chunks/json/2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc.json b/chunks/json/2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc.json
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index 0000000000000000000000000000000000000000..1286136151c1fc959ebec27d2c4d5d74178dadf8
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+++ b/chunks/json/2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":235437,"char_start":233823,"chunk_id":"chk_f9ec01313d0af75a","chunk_index":133,"chunk_sha256":"2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"take on any additional debt on this property, you may lose this protection and have\nto pay any debt remaining even after foreclosure. You may want to consult a lawyer\nfor more information.\n\n state law does not protect you from liability for the unpaid balance.\n\nThe MISMO v3.3.0 definition for DeficiencyRightsPreservedIndicator is “When true, indicates that upon the foreclosure\nsale completion deficiency rights against the borrowers are preserved”. Note that the data point is talking about the lender’s\nrights, so a “true” answer means that state law does not protect the borrower’s rights.\n\nTable 47. UCD v2.0 Spec Excerpt – Foreclosure Rights Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L\nOAN/FORECLOSURES/FORECLOSURE/FORECLOSURE_DETAIL\n\n13.001\n\nDeficiencyRightsPreservedIndicator\n\nfalse\n\nFigure 72. XML Snippet - FEE_SMMARY AND FORECLOSURES\n\n<MESSAGE>\n…\n<DEAL>\n <LOANS>\n <LOAN>\n\n<FEE_INFORMATION>\n\n<FEES>\n\n…\n\n</FEES>\n <FEES_SUMMARY>\n\n<FEE_SUMMARY_DETAIL>\n\n<APRPercent>4.4040</APRPercent>\n <FeeSummaryTotalAmountFinancedAmount>148367.91</FeeSummaryTotalAmountFinancedAmount>\n <FeeSummaryTotalFinanceChargeAmount>116884.00</FeeSummaryTotalFinanceChargeAmount>\n <FeeSummaryTotalInterestPercent>74.6600</FeeSummaryTotalInterestPercent>\n <FeeSummaryTotalOfAllPaymentsAmount>269574.50</FeeSummaryTotalOfAllPaymentsAmount>\n\n</FEE_SUMMARY_DETAIL>\n\n</FEES_SUMMARY>\n </FEE_INFORMATION>\n <FORECLOSURES>\n <FORECLOSURE>\n\n<FORECLOSURE_DETAIL>\n\nUCD v2.0 Implementation Guide\n"}
diff --git a/chunks/json/2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b.json b/chunks/json/2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b.json
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+++ b/chunks/json/2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29746,"char_start":28141,"chunk_id":"chk_f3b0823d9d1675d2","chunk_index":17,"chunk_sha256":"2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 23\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n14568 Generic Rd\nOut There, VA 56789\n\n35361 Place Rd\nOut There, VA 56789\n\n38243 Place Rd\nOut There, VA 56789\n\n35422 Place Rd\nOut There, VA 56789\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSite\n\nSite Size\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nDwelling Style\n\nHeating\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nAssessor Record | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531\n\n$799,900\n\nPending\n\n$770,000\n\nNo\n\n08/20/2019\n\n79\n\nDetached\n\nFee Simple\n\n14.19 Acres\n\nNo\n\n06/01/2019\n\n08/01/2019\n\n7\n\nDetached\n\nFee Simple\n\n15.15 Acres\n\nLocal Road\n| Asphalt\n\n3.9 Miles N\n\n$855,000\n\nSettled Sale\n\n—\n\n$825,000\n\n$0\n\n$0\n\n6.56 Miles E\n\n$779,000\n\nSettled Sale\n\n—\n\n$765,000\n\n$0\n\n$0\n\nNo\n\n07/01/2018\n\n01/01/2019\n\n76\n\nDetached\n\nFee Simple\n\n4.04 Miles N\n\n$799,999\n\nSettled Sale\n\n—\n\n$775,000\n\n$0\n\n$0\n\nNo\n\n04/01/2019\n\n08/01/2019\n\n94\n\nDetached\n\nFee Simple\n\n$0\n\n14.37 Acres\n\n$0\n\n12.81 Acres\n\n$25,000\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nNone\n\nNone\n\nStreet Type | Surface\n"}
diff --git a/chunks/json/2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2.json b/chunks/json/2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2.json
new file mode 100644
index 0000000000000000000000000000000000000000..02e6519fc12dfbf2425fb33083566d48a675c417
--- /dev/null
+++ b/chunks/json/2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":290819,"char_start":288977,"chunk_id":"chk_f5b221ccac4f3b75","chunk_index":166,"chunk_sha256":"2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2","token_estimate":461,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"is collected. Each PARTY container\n\nidentified by\n\nthe value\n\nis\n\n2. PARTYS IN UCD V2.0\n\nThree categories of PARTY can exist in the XML file. Figure 110 illustrates each category as a gray column. Within the left\ncolumn, three blocks identify the Borrower, Note Pay To and Closing Agent as required for all files. The number notation\nspecifies the cardinality (repeatability) requirements for each PARTY. At least one up to a maximum of five Borrower PARTYs\ncan be included in the XML file. For Note Pay To and Closing Agent, two PARTYs each and no more must always be provided.\n\nIn the center column, the top block identifies the Property Seller as required for every purchase in addition to the parties\non the left. At least one up to a maximum of five Property Seller PARTYs can be included in the XML file. If Real Estate Agents\ntook part in the purchase transaction, two PARTYs each and no more must be provided.\n\nIn the right column, the Mortgage Broker is identified as being required in all files if party to the transaction. Two PARTYs\n\nand no more must then be included in the XML file.\n\nFigure 110. Parties to the Transaction in XML File.\n\nInclude in All Files\nwhen Applicable\n\nMortgage Broker\n\n0:2\n\nRequired in All Files\n\nInclude with Purchase\n\nBorrower\n\n1:5\n\nNote Pay To (Lender)\n\n2:2\n\nClosing Agent\n\n2:2\n\nProperty Seller\n\n1:5\n\nListing Real Estate\nAgent\n(If Applicable, 0:2)\n\nSelling Real Estate\nAgent\n(If Applicable, 0:2)\n\nUCD v2.0 Implementation Guide\n\n- 133 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nThe requirement for “two and no more” PARTYs for all except the Borrower and Property Seller does not mean that two\ndifferent lenders, closing agents, selling and listing real estate agents or mortgage brokers are expected in each file. The next\nsection explains the MIN 2 : MAX 2 requirement.\n"}
diff --git a/chunks/json/2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd.json b/chunks/json/2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd.json
new file mode 100644
index 0000000000000000000000000000000000000000..6c76a974aec8bf431a86f757c621e7ce1479547d
--- /dev/null
+++ b/chunks/json/2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":178341,"char_start":176732,"chunk_id":"chk_ecd07deb5df8c345","chunk_index":103,"chunk_sha256":"2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 4 of 24\nPage 4 of 24\n\nSite (continued)\n\nSite Influence - View - Golf Course\n\nThis is where the Golf Course photo would display.\n\nDisaster Mitigation\n\nMitigation Feature\n\nImpact Resistant Glass\nImpact Resistant Shingles\n\nDisaster Mitigation Commentary\n\nThe house was built with impact resistant roof and windows for mitigation against hail and high winds.\n\nEnergy Efficient and Green Features\n\nKnown Renewable Energy Components\n\nNone\n\nBuilding Certification Organization\nUS Green Building Council\n\nCertification\nLEED\n\nKnown Efficiency Ratings\n\nNone\n\nCheck #A\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nNeutral\n\nYear\n2018\n\nVersion\nV4\n\nRating\nGold\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 5 of 24\nPage 5 of 24\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\n\nBedroom\n\n'\n\n7\n1\n\n8'\n\nStaircase\n\n38'\n\n1\n6\n\n'\n\n30'\n\n3 Car Attached\n\n34'\n\nB\na\nt\nh\n\n1/2\nBath\n\n4'\n\n4\n\n'\n\n1\n1\n\n'\n\nMud\nRoom\n\n4'\n\n1\n5\n\n'\n\nOffice\n\n'\n\n5\n1\n\nm\no\no\nR\ng\nn\nn\nD\n\ni\n\ni\n\nKitchen\n\nL1\n\n8'\n\n'\n\n0\n1\n\nFamily\nRoom\n\n'\n\n5\n\n1'\n\n'\n\n0\n1\n\n1'\n\n'\n\n5\n\n30'\n\n1\n2\n\n'\n\nNon-continuous finished\n\n'\n\n2\n1\n\n30'\n\n30'\n\n38'\n\nBedroom\n\nBedroom\n\n'\n\n7\n1\n\nUtility\n\n1\n6\n\n'\n\n'\n\n5\n1\n\n8'\n\nm\no\no\nR\nn\nu\nS\n\n8'\n\nBath\n\nStaircase\n\nB1\n\nFamily\nRoom\n\n'\n\n0\n1\n\nWet Bar\n\n30'\n\n4'\n\n1\n1\n\n'\n\n4'\n\n1\n5\n\n'\n\nLiving Area\nNon-continuous finished\n\nL1\n\nB1\n\nTotal Living Area (Rounded):\nNon-living Area\n3 Car Attached\n\nArea Calculations Summary\n\nCalculation Details\n\n360 Sq ft\n\n1552 Sq ft\n\n1552 Sq ft\n"}
diff --git a/chunks/json/2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967.json b/chunks/json/2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967.json
new file mode 100644
index 0000000000000000000000000000000000000000..0e1015a5df19a2802d1b6dedea14627dba6b6bbd
--- /dev/null
+++ b/chunks/json/2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":57612,"char_start":56005,"chunk_id":"chk_5eaf554ddaece76a","chunk_index":31,"chunk_sha256":"2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dwelling Exterior\nExhibits\n\nRequired for each photo or\nimage\n\nRequired if a physical\ndefect, damage, or\ndeficiency\n\nA Dwelling Front photo\ndisplays at the top of the\nsection with no caption; any\nadditional photos of Dwelling\nFront display in Dwelling\nExterior Exhibits.\n\nSee 8.048\n\nThe photo must be associated\nwith the specific Defect,\nDamage, or Deficiency. See\n8.056.\nPhotos or images related to\nthe Dwelling Exterior section\nthat are not specified above.\n\n9\n\nManufactured\nHome\n\nHUD Data Plate\n\nMay be provided to further\nidentify the photo or image\n\nHUD Certification Label\n\nMay be provided to further\nidentify the photo or image\n\nManufactured Home\nCertification\n\nMay be provided to further\nidentify the photo or image\n\nManufactured Home\nExhibits\n\nRequired for each photo or\nimage\n\nIf available, a photo of\nthe HUD Data Plate or\nverification source must\nbe provided\nA photo of all HUD\nCertification Label(s) (or\nthe verification source if\nthe HUD Certification\nLabel(s) are not present)\nmust be provided\nIf certification(s) exist for\nthe manufactured home,\na photo of each\ncertification label must\nbe provided\n\nSee 9.010\n\nSee 9.017\n\nSee 9.018\n\n10\n\nUnit Interior\n\nLevel - Room Type\nExample: Level 2 -\nBedroom\n\nRequired, including the\nlocation, and any other\ndescriptive information as\nappropriate\n\nAt least one photo of\neach kitchen and\nbathroom in the unit is\nrequired\n\nInterior Feature\nExample: Flooring\n\nMay be provided to further\nidentify the photo or image\n\nApparent Defects,\nDamages, Deficiencies –\nInterior Feature\nExample: Walls and\nCeiling\n\nMay be provided to further\nidentify the photo or image\n"}
diff --git a/chunks/json/2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163.json b/chunks/json/2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163.json
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index 0000000000000000000000000000000000000000..929b0ecb7ceba3dee24d079edf52a233fb5179b6
--- /dev/null
+++ b/chunks/json/2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":627509,"char_start":625743,"chunk_id":"chk_6cb010aaa675d35a","chunk_index":370,"chunk_sha256":"2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163","token_estimate":442,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘Other’ and\n@_TypeOtherDescription=‘RoomAboveGradeLine1’]/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n428\n\n429\n\n430\n\n3\n\n3\n\n3\n\n88\n\n89\n\n90\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count Total\nRooms\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/ROOM_ADJU\nSTMENT/@TotalRoomCount\n\nAbove Grade Room Count\nBdrms.\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/ROOM_ADJU\nSTMENT/@TotalBedroomCount\n\nAbove Grade Room Count\nBaths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/ROOM_ADJU\nSTMENT/@TotalBathroomCount\n\n431\n\n3\n\n91\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nAdjustment\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘Other’ and\n@_TypeOtherDescription=‘RoomAboveGradeLine2’]/@_Amount\n"}
diff --git a/chunks/json/2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf.json b/chunks/json/2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf.json
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index 0000000000000000000000000000000000000000..07afd3cc267c762814411e2e04ae7999a6587b33
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+{"chunk":{"char_end":14146,"char_start":10346,"chunk_id":"chk_9861d3152b5f2ca1","chunk_index":6,"chunk_sha256":"2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b8ef5b7c99339c83","text_sha256":"2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf","token_estimate":1127,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA_Annual_Report___U_S__FEDERAL_HOUSING_992si.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/271&order=field_release_date&sort=asc) Report Attachment February 14, 2025 [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024) [Read Report](/document/fhfa-fy2024-annual-raw-data-report.xlsx) February 14, 2025 [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024) [Read Report](/document/FHFA-FY24-FOIA-Annual-Report.xml) February 14, 2025 [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024) [Read Report](/document/FHFA-FY24-FOIA-Annual-Report.pdf) March 08, 2024 [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023) [Read Report](/document/fhfa-fy23-foia-annual-report-raw-data-xls) March 08, 2024 [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023) [Read Report](/document/fhfa-fy23-foia-annual-report-xml) March 08, 2024 [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023) [Read Report](/document/fhfa-fy23-foia-annual-report-pdf) March 02, 2023 [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022) [Read Report](/document/fhfa-fy22-foia-annual-report-pdf) March 02, 2023 [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022) [Read Report](/document/fhfa-fy22-foia-annual-report-xml) March 02, 2023 [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022) [Read Report](/document/fhfa-fy22-foia-annual-report-raw-data-xls) March 03, 2022 [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021) [Read Report](/document/fhfa-fy21-foia-annual-report-raw-data) March 03, 2022 [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021) [Read Report](/media/30511) March 03, 2022 [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021) [Read Report](/media/30516) April 01, 2021 [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020) [Read Report](/media/30241) April 01, 2021 [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020) [Read Report](/media/30236) April 01, 2021 [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020) [Read Report](/document/fhfa-fy20-foia-annual-report-raw-data) March 05, 2020 [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019) [Read Report](/document/fhfa-fy19-annual-report-raw-data) March 05, 2020 [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019) [Read Report](/media/30141) March 05, 2020 [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019) [Read Report](/media/30136) December 31, 2018 [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018) [Read Report](/media/29911) December 31, 2018 [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018) [Read Report](/media/29906) December 31, 2018 [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018) [Read Report](/media/29901) March 05, 2018 [Freedom of Information Act (FOIA) Report - FY 2017](/reports/foia-annual-report/2017) [Read Report](/media/29846) March 05, 2018 [Freedom of Information Act (FOIA) Report - FY 2017](/reports/foia-annual-report/2017) [Read Report](/media/29841) February 23, 2017 [Freedom of Information Act (FOIA) Report - FY 2016](/reports/foia-annual-report/2016) [Read Report](/media/25361) February 23, 2017 [Freedom of Information Act (FOIA) Report - FY 2016](/reports/foia-annual-report/2016) [Read Report](/media/25356)\n"}
diff --git a/chunks/json/2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c.json b/chunks/json/2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c.json
new file mode 100644
index 0000000000000000000000000000000000000000..6b2bf0c8d7cb199c2d7a109fe78696a2d8f573d4
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+++ b/chunks/json/2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":390780,"char_start":389171,"chunk_id":"chk_23e0cd726f43566b","chunk_index":218,"chunk_sha256":"2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Relocation Funds\nfrom Employer, Inc.\n\n…/CLOSING_ADJUS\nTMENT_ITEM/CLOSI\nNG_ADJUSTMENT_I\nTEM_PAID_BY/LEG\nAL_ENTITY/LEGAL_E\nNTITY_DETAIL\n\n12. 8 – 12. 11 ADJUSTMENTS FOR I TEMS UNPAI D BY SELLER -UPDATED\n\nUnder the heading “Adjustments for Items Unpaid by Seller” the lender must disclose any amounts due from\nthe seller(s) to reimburse the borrower(s) at closing, prorated for the period corresponding to each amount.\nItems Unpaid by Seller can include city, town, or county taxes, assessments, and any additional items paid by the\nborrower prior to closing that are due from the seller(s) at closing.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00\n\nAdjustments for Items Unpaid by Seller\n\n1212.8 City/Town Taxes 4/15/14 to 4/30/14\n\n1312.9 County Taxes __to __\n\n1412.10 Assessments __to __\n\n$365.00\n\n12.8.1\n\n12.9.1\n\n12.10.1\n\n1512.11 Utilities 4/15/14 to 4/30/14\n\n12.11.1\n\n$100.00\n\nFigure 106. Adjustments for Items Unpaid by Seller\n\nThe Regulation specifies the order and contents of each of the first three line items that must appear in section L\nas shown in the preceding figure.\n\n12.8 City or Town Tax payment due from the seller to reimburse the borrower at the real estate closing, the\n\nstart date and end date (inclusive) covered by the payment, and the total dollar amount.\n\n12.9 County Tax payment due from the seller to reimburse the borrower at the real estate closing, the start\n\ndate and end date (inclusive) covered by the payment, and the total dollar amount.\n\nAppendix E: UCD Implementation Guide\n\nPage 179 of 254\n"}
diff --git a/chunks/json/2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae.json b/chunks/json/2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae.json
new file mode 100644
index 0000000000000000000000000000000000000000..bc9dbd68e30f55887b2cbe33dd2660ecb2fcb1de
--- /dev/null
+++ b/chunks/json/2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6655,"char_start":5012,"chunk_id":"chk_620acb2bf1b1ab41","chunk_index":3,"chunk_sha256":"2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae","token_estimate":405,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"File #\n\nDescribe the common elements and recreational facilities.\n\nAre any common elements leased to or by the Homeowners’ Association?\n\nYes\n\nNo If Yes, describe the rental terms and options.\n\nIs the project subject to ground rent?\n\nYes\n\nNo If Yes, $\n\nper year (describe terms and conditions)\n\nAre the parking facilities adequate for the project size and type?\n\nYes\n\nNo If No, describe and comment on the effect on value and marketability.\n\ndid\n\nI\nthe analysis was not performed.\n\ndid not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why\n\nAre there any other fees (other than regular HOA charges) for the use of the project facilities?\n\nYes\n\nNo If Yes, report the charges and describe.\n\nCompared to other competitive projects of similar quality and design, the subject unit charge appears\n\nHigh\n\nAverage\n\nLow If High or Low, describe\n\nAre there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser?\n\nYes\n\nNo If Yes, describe and explain the effect on value and marketability.\n\nper month X 12 = $\nUnit Charge $\nUtilities included in the unit monthly assessment\n\nper year\n Heat\n\nNone\n\nAnnual assessment charge per year per square feet of gross living area = $\n\nAir Conditioning\n\nElectricity\n\nGas\n\nWater\n\nSewer\n\nCable\n\nOther (describe)\n\nmaterials/condition\n\nAmenities\n\nAppliances\n\nCar Storage\n\nGeneral Description\n\nFloor #\n# of Levels\nHeating Type\n\nFuel\n\nInterior\nFloors\nWalls\nTrim/Finish\n\nCentral AC\n Other (describe)\n"}
diff --git a/chunks/json/2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15.json b/chunks/json/2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15.json
new file mode 100644
index 0000000000000000000000000000000000000000..d70bde34aa423e29ed2e31f0d52d9e40eb890359
--- /dev/null
+++ b/chunks/json/2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9908,"char_start":7083,"chunk_id":"chk_d474c24d811d2595","chunk_index":4,"chunk_sha256":"2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1a65065b3ed6f3a3","text_sha256":"2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15","token_estimate":704,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer___FHFA_wrc2oh.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Credit Risk Transfer\n\nPolicy\n\n# Credit Risk Transfer\n\nThe credit risk transfer (CRT) programs at Fannie Mae and Freddie Mac (the Enterprises) wer​e established to reduce taxpayer exposure to risks arising from credit guarantees extended by the Enterprises through their normal courses of business. The Federal Housing Finance Agency (FHFA) initiated development of a CRT program in 2012 to reduce risk at the Enterprises during their conservatorships, and Fannie Mae and Freddie Mac began implementing their CRT programs in 2013. Under FHFA’s oversight through guidelines, instructions, strategic plans, and Scorecard objectives, the programs have since become a core part of the Enterprises’ single-family guarantee businesses, similar to how risk sharing with the private sector is an integral part of the Enterprises’ multifamily businesses. Using a range of different transaction structures, the Enterprises have transferred to private investors a substantial amount of credit risk assumed through the acquisition of single-family loans in targeted loan categories. The programs include or have included CRTs via capital markets issuances (both corporate debt and bankruptcy remote trust structures), insurance/reinsurance transactions, senior/subordinate transactions, and a variety of lender collateralized recourse transactions. The Enterprises continue to evaluate the scope of their CRT programs and innovate within the CRT market by employing different structures as part of their efforts to further reduce risk, all while using transactions that are economically sensible.​\n"}
diff --git a/chunks/json/2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088.json b/chunks/json/2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088.json
new file mode 100644
index 0000000000000000000000000000000000000000..ce4773e079c1394c3dc80574d7b3f1dba9732393
--- /dev/null
+++ b/chunks/json/2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1174149,"char_start":1172710,"chunk_id":"chk_12ff96794301f4ad","chunk_index":697,"chunk_sha256":"2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088","token_estimate":498,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='PropertyRights']/@_Description\n\n20\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='PropertyRights']/@_Amount\n\n10\n\nMoney\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nThis field is required if the value of field e-15\n(GSE Location Type) is ‘Other’.\n\nThe sum of this field 2-59 and fields (2-53, 2-\n55, 2-57, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nThe sum of this field 2-61 and fields (2-53, 2-\n55, 2-57, 2-59, 2-63, 2-65, 2-67, 2-69, 2-71, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nThe sum of this field 2-63 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-65, 2-67, 2-69, 2-71, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n"}
diff --git a/chunks/json/2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a.json b/chunks/json/2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a.json
new file mode 100644
index 0000000000000000000000000000000000000000..e79a389b03aff7c6ec0097cdd17caee3a0bcbfdc
--- /dev/null
+++ b/chunks/json/2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1760,"char_start":0,"chunk_id":"chk_ff459868cf1b7611","chunk_index":0,"chunk_sha256":"2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d98d14033f0ee3b9","text_sha256":"2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Information_Resources_Management_Strategic_Plan____eybxxl.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/information-resources-management-strategic-plan\"\ndate_accessed: \"2026-01-27T17:54:20.723Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7.json b/chunks/json/2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7.json
new file mode 100644
index 0000000000000000000000000000000000000000..9a458c570cf9d5e63cdfd436c0bcdda79300eeb5
--- /dev/null
+++ b/chunks/json/2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_aea0c52de5050859","chunk_index":0,"chunk_sha256":"2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_beba9914f90d78e7","text_sha256":"2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Data_Governance_Resources___FHFA_6s4y4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/data-governance-resources\"\ndate_accessed: \"2026-01-27T17:48:04.079Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147.json b/chunks/json/2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147.json
new file mode 100644
index 0000000000000000000000000000000000000000..1ecfaec8fbc915a67dd90db63288bee6ed0ef771
--- /dev/null
+++ b/chunks/json/2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":332059,"char_start":330438,"chunk_id":"chk_2e4cde47ab4297e1","chunk_index":191,"chunk_sha256":"2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Apparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 2 of 20\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nRefinance\nJohn Doe\nJane Doe\nJohn Doe\nJane Doe\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nXYZ Lending Inc.\n123 Tree Lined St\nAnywhere, TN 12345\n\nAnnie Appraiser\nGeneral Appraisal Services\n123 Willow St\nAnywhere, TN 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n03/14/2022\n\nAssignment Information and Scope of Work Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\nT235719287434\nTN\n01/30/2024\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n123 Anywhere St\nSomecity, TN 12345\nAlpine\nMagic Hill\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n"}
diff --git a/chunks/json/2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d.json b/chunks/json/2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d.json
new file mode 100644
index 0000000000000000000000000000000000000000..676c9afc212b3a7324bb9a6f00d37c61e843e9ae
--- /dev/null
+++ b/chunks/json/2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1670,"char_start":0,"chunk_id":"chk_cd106ca08a6ecea3","chunk_index":0,"chunk_sha256":"2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_75d81a7076add137","text_sha256":"2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-sept-27-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nSept. Update\n\nAug. 8, 2025\n\nDuring the weekend of Sept. 27, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®). The changes\nreferenced below will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the weekend of Sept.\n27, 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. Please\nreview this memo, in addition to the release notes to ensure that your integrated system(s) will be prepared to support this\nrelease.\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\n9\n\n24\n\n12\n\nDistribution of Draft DU Message File and Codified Findings File (CFF)\n\nOn Aug. 8, 2025, Fannie Mae will distribute the draft DU Message File and the Codified Findings File via email from Integration\nNews (integration_news@fanniemae.com) to all authorized subscribers. Both files will also be accessible through Fannie Mae\nConnect™ for users with appropriate access.\n\nDocumentation Level Codes\n\nThe following Documentation Level Codes changes will be reflected with the Sept. Update.\n"}
diff --git a/chunks/json/2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd.json b/chunks/json/2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd.json
new file mode 100644
index 0000000000000000000000000000000000000000..371b835636bfaa662611cdce3f4bb78578557fbe
--- /dev/null
+++ b/chunks/json/2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":548302,"char_start":546514,"chunk_id":"chk_5b8eb2151fa0f9c4","chunk_index":323,"chunk_sha256":"2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd","token_estimate":447,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n9\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nAt least one instance of this field is\nrequired (i.e. for at least one comp) if\nfield 2-101 (Comparable Has Prior\nSales Indicator = 'Y') is indicated.\n\nCR\n\nCR\n\nCR\n\n317\n\n2\n\n110\n\nPRIOR SALE\nHISTORY\n\nData Source(s)\nCOMPARABLE\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRIOR_SALE\nS/@DataSourceDescription\n\n30\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field must indicate the data source used for the prior sale/transfer of the\ncomparable.\n\nPDF Display Format (when the source is an MLS listing):\nMLS Organization # Listing\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n318\n\n2\n\n111\n\nPRIOR SALE\nHISTORY\n\nEffective Date of Data Source(s)\nCOMPARABLE\n\nData Source\nEffective Date\n\nThe effective date of the source of\ninformation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRIOR_SALE\nS/@DataSourceEffectiveDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n319\n\n320\n\n321\n\n322\n\n323\n\n324\n\n325\n\n326\n\n327\n\n328\n\n329\n\n2\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\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\n50\n\n50\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n"}
diff --git a/chunks/json/2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1.json b/chunks/json/2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a411a02addd87d10695562df9cf0157bb8df084
--- /dev/null
+++ b/chunks/json/2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":804501,"char_start":802775,"chunk_id":"chk_fe3c71340e3ce42b","chunk_index":479,"chunk_sha256":"2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1","token_estimate":431,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\nAppendix F-1: URAR Reference Guide\n\nPage 371 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nArea Breakdown\n\nLevel and Room Detail\n\nVehicle Storage\n\nOnly the area and details that are specific to the subject’s driveway and garage are reported in this section.\n\nSales Comparison Approach\n\nIn this example, Comparable #1 has a below grade ADU in the dwelling, and a heated detached garage with no\nadditional separate area. Comparable #1 has no additional outbuildings.\n\nUnit(s) Subsection for the ADU\n\nInformation about the subject property’s ADU populates from the Unit Interior section for the ADU.\n•\n\nLocation of ADU – in this example, Location of ADU is ADU/Workshop/Garage for the subject, and Dwelling\nfor Comparable #1.\n\n• Floor Number – the floor number of the ADU reflects the level on which the ADU is located (e.g., an ADU in\nthe below grade level of the primary dwelling is reported as B1, an ADU located above a detached garage is\nreported as 2).\n\no\n\nIn this example, Floor Number is 1 for the subject and B1 for Comparable #1.\n\nAppendix F-1: URAR Reference Guide\n\nPage 372 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nVehicle Storage Subsection\n\nInformation about the subject property’s garage area populates from the Vehicle Storage section. If the subject\nor comparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to\nsupport adjustments and conclusions.\n\nIn this example, the vehicle storage portion of the subject is not heated, and Comparable #1 is heated. Therefore\nan additional row is needed, and the adjustment for Comparable #1 is attributable exclusively to the heating.\n"}
diff --git a/chunks/json/2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c.json b/chunks/json/2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c.json
new file mode 100644
index 0000000000000000000000000000000000000000..8d6ab5d6e397ae5b785f03f5943c8261918e7ff6
--- /dev/null
+++ b/chunks/json/2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":245257,"char_start":243197,"chunk_id":"chk_41ee3cafb41c3a64","chunk_index":137,"chunk_sha256":"2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c","token_estimate":515,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 95 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-08, Comparable Sales (06/04/2025)\n\nIntroduction\n\nThis topic contains information on selection of comparable sales, including:\n\nSelection of Comparable Sales\n\n•\n• Minimum Number of Comparable Sales\n• Age of the Comparable Sales\n• Additional Requirements for New (or Recently Converted) Condos, Subdivisions, or PUDS\n• Rural Properties\n• Use of Foreclosures and Short Sales\n\nSelection of Comparable Sales\n\nThe appraiser is responsible for determining which comparables are the best and most appropriate for the assignment. Fannie\nMae expects the appraiser to account for all factors that affect value when completing the analysis. Comparable sales should have\nsimilar physical and legal characteristics when compared to the subject property. These characteristics include, but are not\nlimited to, site, room count, finished area, style, and condition. Site influences, environmental conditions, and hazard zones such\nas Federal Emergency Management Agency (FEMA) designated flood zone or the United States Geological Survey (USGS) lava flow\nzone should be given consideration when selecting comparables.\n\nWhen choosing comparable sales, the appraiser should examine the market area of the subject property, assess its\ncharacteristics, and identify similar comparable sales. Market area is defined as the geographic region, for a subject property,\nfrom which most demand comes and in which most of the competition is located. This does not mean comparable sales must be\nidentical to the subject property, but instead should be competitive and appeal to the same market participants that would also\nconsider purchasing the subject property. If the available sales are not similar, the appraiser needs to decide whether it is\nappropriate to expand their search to outside the market area. If this occurs, the appraiser must provide commentary to explain\nthe rationale for selecting comparable sales outside the subject's market area and make location adjustments if warranted.\n"}
diff --git a/chunks/json/2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8.json b/chunks/json/2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8.json
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index 0000000000000000000000000000000000000000..a480f2b1386204b46558f99833db7a4c98b914ac
--- /dev/null
+++ b/chunks/json/2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":402486,"char_start":400735,"chunk_id":"chk_e8e848012ea7152e","chunk_index":224,"chunk_sha256":"2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: If state law requires a Uniform Commercial Code (UCC) filing in order to perfect a security interest in a manufactured\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 163 of 166\n\nUAD 3.6 Policy\n\nhome, the lender must make such filing in any and all appropriate locations.\n\nBackground Information Regarding Titling for Manufactured Homes\n\nTitling is complex and further complicated by the lack of a federal standard. Consequently, all states devise their own laws\nresulting in diverse approaches to manufactured home titling and lien perfection. The variety of approaches is particularly\nchallenging for lenders originating manufactured home loans in more than one state. Laws of some states do not clearly\nprovide for a single lien on the manufactured home, together with the land on which it is situated, but instead, for example,\nrequire that the lien on the manufactured home be evidenced by notation on the certificate of title.\n\nWhile the laws of some states establish a procedure for surrender of the certificate of title when the manufactured home has\nbecome so permanently affixed to the land that it has become real property, the laws of other states do not allow for the\nelimination of the certificate of title to a manufactured home regardless of the degree of affixation of the home to the land. In\nthese states, the lien on the land (evidenced by the mortgage, deed of trust or security deed) may be legally distinct from the\nlien on the manufactured home (evidenced on the certificate of title), though both are liens on real property. In this instance,\nthe manufactured home is often treated as an “immovable fixture” (personal property that has become so permanently\nattached to the land that it has become real property).\n"}
diff --git a/chunks/json/2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b.json b/chunks/json/2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b.json
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index 0000000000000000000000000000000000000000..a5863179756099c68b3ab46d18f28e05a8708064
--- /dev/null
+++ b/chunks/json/2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":379656,"char_start":378040,"chunk_id":"chk_a1bdaad36dd92525","chunk_index":218,"chunk_sha256":"2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n123 FALLING TREE CT, TREEVILLE, VA 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$491,000\n\nMarket Value Condition\n\nSubject to Repair\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a\nhypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment\nresults.\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n09/20/2019\nPurchase\nBetty Borrower\nBob Borrower\nJane Doe\n$489,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAgatha Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC4\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Subject Property photo would display.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n"}
diff --git a/chunks/json/2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633.json b/chunks/json/2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633.json
new file mode 100644
index 0000000000000000000000000000000000000000..b5c55160c8a3a8531b8fcba43910d85e9e09b73c
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+++ b/chunks/json/2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":497487,"char_start":495789,"chunk_id":"chk_e32b86dad54d5c35","chunk_index":287,"chunk_sha256":"2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Yes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nMarket\n\nMarket Area Boundary Route 7 to the north, Route 611 to the east and Route 50 to the south and west\n\nSearch Criteria Description Limiting factors of the market search include a Lot Size between 10 and 20 acres with a property containing an\nADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 bedrooms and 2-4\nbathrooms. Vehicle Storage greater than or equal to a 2-car garage. Closing dates between 08/18/2018 and 08/30/2019. And, equivalent zoning\nthat allows agricultural and residential use.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n15\n125\n$599,900\n$810,000\n$875,000\n3\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n34\n$599,900\n$810,000\n$949,999\nNo\nAbsorption Rate\nMedian Days on Market\nPrice Trend\nXYZ Housing Data\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\n3 to 6 Months\n\nSales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on\nMarket for the settled sales were predominately in the 80 - 100 days range. Days on Market of current listings is trending higher than recent\nsales due to the market entering the typically slower fall and winter periods. Absorption rate is 3 - 4 sales per month with a 4 - 5-month supply.\n"}
diff --git a/chunks/json/2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276.json b/chunks/json/2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276.json
new file mode 100644
index 0000000000000000000000000000000000000000..d16fbfd7af1f1735c7faf6cb4eca753534d67201
--- /dev/null
+++ b/chunks/json/2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":38114,"char_start":36465,"chunk_id":"chk_018be2fa09f4037f","chunk_index":22,"chunk_sha256":"2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276","token_estimate":413,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Scope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n\nAdditional Scope of Work\n\nAdditional Scope of Work cannot be contrary to the original Scope of Work.\n\nIntended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nThe intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage\n(24 CFR § 200.145(b)).\n\nAdditional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nThe VA is also an intended user of this report.\n\nAdditional Intended Users\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n"}
diff --git a/chunks/json/2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b.json b/chunks/json/2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b.json
new file mode 100644
index 0000000000000000000000000000000000000000..6f2a07d9b4e39a3318e0497af5c5832a1e844498
--- /dev/null
+++ b/chunks/json/2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":70409,"char_start":69943,"chunk_id":"chk_da703b59ac025d2d","chunk_index":113,"chunk_sha256":"2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b","token_estimate":425,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Approaches to Value ................................................................................................................................................................................................................ 347\n\nAppraisal Summary .................................................................................................................................................................................................................. 348\n"}
diff --git a/chunks/json/2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51.json b/chunks/json/2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51.json
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+++ b/chunks/json/2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8761,"char_start":7073,"chunk_id":"chk_872c6234c9c64d34","chunk_index":4,"chunk_sha256":"2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d219a2955dbc105a","text_sha256":"2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fair_Lending_Data___FHFA_12qo7.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 - Fair Lending Data\n\n# Fair Lending Data\n\nFair lending is central to the principles under which the U.S. housing finance system operates and is a requirement of law. FHFA’s fair lending activities include monitoring the regulated entities for fair lending and fair housing risk and conducting examinations on their policies, programs, and activities. FHFA monitors loan application accept rates and other trends for fair lending risk and compliance.\n"}
diff --git a/chunks/json/2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618.json b/chunks/json/2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618.json
new file mode 100644
index 0000000000000000000000000000000000000000..f76c97530fb2ad7f0588563495bcaf01466870e5
--- /dev/null
+++ b/chunks/json/2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":618192,"char_start":616458,"chunk_id":"chk_d27e077ec1d911e0","chunk_index":355,"chunk_sha256":"2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government\nsponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance\ntransaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become\nan intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable)\nshall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this\nappraisal report was prepared.\n\n27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n"}
diff --git a/chunks/json/2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7.json b/chunks/json/2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7.json
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index 0000000000000000000000000000000000000000..2e319a0437b1f80dc1b9e2ec972537676cf705c5
--- /dev/null
+++ b/chunks/json/2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":457363,"char_start":455553,"chunk_id":"chk_f75f40e88c95da07","chunk_index":264,"chunk_sha256":"2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7","token_estimate":453,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Reconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nExterior Walls and Trim\n\nLocation\n\nDescription\n\nLower right corner of\nrear wall\n\nPossible termite infestation\n\nMechanical System\n\nBelow grade area\n\nThe hot water heater is not operational. No\nhot water.\n\nAs Is Overall Condition Rating\n\nC4\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nNo\n\nNo\n\nInspection\n\nRepair\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 20 of 22\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"}
diff --git a/chunks/json/2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f.json b/chunks/json/2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f.json
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+{"chunk":{"char_end":247062,"char_start":245459,"chunk_id":"chk_ed68239d598b9c26","chunk_index":225,"chunk_sha256":"2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unit Interior – [Outbuilding Type] – [Structure Identifier] – [Unit Identifier]\n\n10.000 Outbuilding Type\n\n0300.0025\n\nOutbuildingType\n\n10.001\n\nStructure Identifier\n\n0300.0101\n\nStructureIdentifier\n\n10.002\n\nUnit Identifier\n\n0700.0114\n\nUnitIdentifier\n\nBlack tab always displays\n\n- When there is only one Dwelling Unit, display black tab as 'Unit Interior'\n- When there are multiple Dwelling Units, display black tab as 'Unit Interior' - [Outbuilding\n\nType] - [Structure Identifier] - [Unit Identifier] as applicable.\nDisplay when ImprovementType = \"Outbuilding\"\n\nDisplay when ImprovementType = \"Dwelling\" AND LivingUnitExcludingADUCount > 1\n\n-\n\nStructure Identifier redisplays from the Dwelling Exterior or Outbuilding sections.\nDisplay when LivingUnitExcludingADUCount > 1 OR AccessoryDwellingUnitTotalCount > 0\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 178\n\nSection Header Examples\n\n- A single-family property with only one unit and no ADU would display ‘Unit Interior’ (Figure 10 - 2)\n\nFigure 10 - 2\n\n- An ADU in a Detached Garage might display ‘Unit Interior – Detached Garage – ADU’ (Figure 10 - 3)\n\no OutbuildingType = “Other”\n\no OutbuildingTypeOtherDescription = “ADUGarage”\n\no UnitIdentifier = “ADU”\n\nFigure 10 - 3\n\n- A unit in a 2-4 with one Dwelling might display ‘Unit Interior – Unit 3’ (Figure 10 - 4)\n\no UnitIdentifier= “Unit 3”\n\nFigure 10 - 4\n\n- A unit in a 2-4 with multiple Dwellings might display ‘Unit Interior – Building 2 – Unit 2’ (Figure 10 - 5)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no StructureIdentifier = “Building 2”\n\no UnitIdentifier= “Unit 2”\n\nFigure 10 - 5\n"}
diff --git a/chunks/json/2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0.json b/chunks/json/2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0.json
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+{"chunk":{"char_end":277950,"char_start":276896,"chunk_id":"chk_ded2bdddecb4b973","chunk_index":162,"chunk_sha256":"2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum 2-94 of this field and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-\n86, 2-88, 2-90, 2-92, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nIf field 2-39 is populated, then this field\nshould be populated.\n\nThe sum of this field 2-96 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-\n86, 2-88, 2-90, 2-92, 2-94, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\n20\n\nString\n\nIf field 2-41 is populated, then this field\nshould be populated.\n\nT\n\nT\n\nT\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-98 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-\n86, 2-88, 2-90, 2-92, 2-94, 2-96, 2-100) must\nadd up to Net Adjustment field 2-103.\n"}
diff --git a/chunks/json/2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148.json b/chunks/json/2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148.json
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index 0000000000000000000000000000000000000000..eb9854f308bffba63329fb09a8279de7b1e7dacb
--- /dev/null
+++ b/chunks/json/2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28608,"char_start":27128,"chunk_id":"chk_35368817a1d2223b","chunk_index":9,"chunk_sha256":"2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md"]},"text":"###### Products & Solutions\n\n- [Mortgage Products & Options](/originating-underwriting/mortgage-products)\n - [Technology Apps & Solutions](/applications-technology/applications-technology)\n\n###### Support & Resources\n\n- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)\n - [Guide Forms](/selling-servicing-guide-forms)\n - [Learning Center](/learning-center)\n - [News & Events](/news-events)\n - [Report mortgage fraud](/mortgage-fraud-prevention)\n\n###### Other Sites\n\n- [Fannie Mae's Consumer Website](https://www.fanniemae.com/)\n - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)\n - [HomePath](https://www.homepath.com/)\n\n.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }\n\njQuery(document).ready(function () { jQuery('a[href^=\"#\"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });\n\n## Social media\n\n- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)\n - [Facebook](https://www.facebook.com/fanniemae)\n - [Instagram](https://instagram.com/officialfanniemae)\n - [X (formerly Twitter)](https://twitter.com/FannieMae)\n"}
diff --git a/chunks/json/30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45.json b/chunks/json/30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45.json
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index 0000000000000000000000000000000000000000..884a5b0e9b5a778e2975ebbb8b9197dc111b04d7
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+++ b/chunks/json/30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45.json
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+{"chunk":{"char_end":175859,"char_start":174066,"chunk_id":"chk_7ce8bd6ea86be2b5","chunk_index":102,"chunk_sha256":"30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45","token_estimate":448,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Water is less than two feet deep and does not provide consistent ingress and egress for any watercraft.\n\nWater is two to four feet deep and can handle most recreational watercraft.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nWater Frontage Commentary\n\nSite: Information for Each Body of Water with Private Access\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n4.038 Water Frontage\n\nIf relevant\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nOverall commentary for all water frontage, which could include information\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided.\n\nView and Impact to Value / Marketability\n\nA key component of a property’s location is the view. This subsection contains information about the views\nassociated with the subject property, the range and breadth of those views, and the overall impact the views\nhave on the subject’s value and marketability.\n\nAppendix F-1: URAR Reference Guide\n\nPage 68 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: View and Impact to Value / Marketability\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.039\n\nView\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nThe specific view types as observed for valuation purposes that may affect\nmarket value.\n•\nBay\n•\nCanal\n•\nCity Street\n•\nCommercial\n•\nCove\n•\nCreek\n•\nGolf Course\n•\nGulf\n•\nHigh Density Residential\n•\nHighway\n•\nIndustrial\n•\nLake\n• Marsh\n• Mountain\n•\nOcean\n•\nPark\n•\nParking Lot\n•\nPastoral\n•\nPond\n•\nReservoir\n•\nResidential\n•\nRiver\n•\nSchool\n•\nSkyline\n•\nSound\n•\nTraffic Wall Barriers\n•\nValley\n• Woods\n•\nNotes:\n•\n"}
diff --git a/chunks/json/30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618.json b/chunks/json/30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618.json
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+++ b/chunks/json/30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618.json
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+{"chunk":{"char_end":131130,"char_start":129555,"chunk_id":"chk_78a16ae57ff51ded","chunk_index":155,"chunk_sha256":"30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1. When all indicators are “false”, ‘None’ displays below the subsection header (gray bar), and the Apparent Defects, Damages,\n\nDeficiencies table does not display. (Figure 1 - 2)\n\nFigure 1 - 2\n\n2. When Recommended Action is none for all defects, then the static text displays: There are no apparent defects, damages, or\ndeficiencies requiring action. For details, reference the 'Reconciliation' section, and the table does not display. (Figure 1 - 3)\n\nFrom MH1 –\n\nFigure 1 - 3\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n3. Display each Defect, Damage, Deficiency in the table where DefectItemRecommendedActionType <> “None”.\n\nPage 74\n\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n\nReport Field ID\n\nReport Label\n\nSource Field ID\n\nOriginal Section\n\n1.032\n\n[Static Text] The items listed below represent the As Is\ncondition as of the effective date of this report\n\n26.020\n\nReconciliation - Defects, Damages, Deficiencies\n\n1.033 | 1.040 | 1.048 |\n1.055 | 1.063 | 1.069 |\n1.075\n\nFeature\n\n26.021 | 26.028 |26.036 |\n26.044 |26.052 |26.058 |\n26.064\n\nReconciliation - Defects, Damages, Deficiencies\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport Field ID\n\nReport Label\n\nSource Field ID\n\nOriginal Section\n\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n\nPage 75\n\n1.034 | 1.041 | 1.049 |\n1.056 | 1.064 |1.070 |\n1.076\n1.035 | 1.042 | 1.050 |\n1.057 | 1.065 | 1.071 |\n1.077\n1.036 | 1.043 | 1.051 |\n1.058 | 1.066 | 1.072 |\n1.078\n1.037 | 1.044 | 1.052 |\n1.059 | 1.067 | 1.073 |\n1.079\n1.038 | 1.045 | 1.053 |\n1.060 | 1.068 | 1.074 |\n1.080\n"}
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+{"chunk":{"char_end":1132159,"char_start":1130251,"chunk_id":"chk_999d0c10d06966c1","chunk_index":672,"chunk_sha256":"30c676a57d774be9372f95b9c1966d655c0a87f26e08022ef5b695bca31c2bad","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"30c676a57d774be9372f95b9c1966d655c0a87f26e08022ef5b695bca31c2bad","token_estimate":477,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"20\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).\n\nThis field is required if the value of field e-15\n(GSE Location Type) is ‘Other’.\n\nT\n\nR\n\nR\n\nCR\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 188 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n241\n\n2\n\n22\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_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='SiteArea']/@_Description\n\n20\n\nString\n\n242\n\n2\n\ne-5\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIE\nW_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION\n_SECTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSE\nViewOverallRatingType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe 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 size\nmust be reported in square feet (whole numbers only, e.g., 27840 sf). Sites/parcels\nthat have an area of 1.00 acre or greater must be reported in acreage to two decimal\nplaces (e.g., 8.35 ac).\n"}
diff --git a/chunks/json/30ec187774e3e6ac80d40caf1c72ed3ab985be261d8fa77dcb9f4a66eed3737e.json b/chunks/json/30ec187774e3e6ac80d40caf1c72ed3ab985be261d8fa77dcb9f4a66eed3737e.json
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diff --git a/chunks/json/30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e.json b/chunks/json/30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e.json
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index 0000000000000000000000000000000000000000..5ec3be125ffa1571db12de9d7947d61ce743cd15
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+++ b/chunks/json/30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e.json
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+{"chunk":{"char_end":712190,"char_start":710556,"chunk_id":"chk_003747d6aff92c69","chunk_index":424,"chunk_sha256":"30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"25.045 Data Source\n\nFree-form\n\nRequired when Land\nComparable Data\nSource is MLS, or if\napplicable for other\ndata sources\n\nData Source Identifier: A unique number or identifier assigned to the land\ncomparable by the data source.\nNotes:\n•\n•\n\nIf Land Comparable Data Source is MLS, the MLS number is required.\nIf a data source has an identifier, it must be reported on the URAR.\n\n25.046 Assessor Parcel\nNumber (APN)\n\nIf available for each\nland comparable\n\nFree-form\n\nA number assigned to parcels of real property by the tax assessor of a particular\njurisdiction for purposes of identification and record-keeping.\n\n25.047\n\nSite Size\n\nRequired for each land\ncomparable\n\nNumber of acres,\nsquare feet,\nhectares, or\nsquare meters\n\nThe total area of the site, including all parcels.\n•\n\nFor area less than 1 acre, use square feet in whole numbers (e.g., 27,840\nsq. ft.)\nFor area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres).\nIf using the metric system, for area less than 1 hectare, use square meters\nin whole numbers (e.g., 7,500 sq. m.)\nIf using the metric system, for area that is 1 hectare or more, use hectares\nto 2 decimals (e.g., 1.25 hectares).\n\n•\n•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 319 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nCost Approach - Land Comparables\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.048\n\nSale Date\n\n25.049 Price\n\nRequired for each land\ncomparable\n\nRequired for each land\ncomparable\n\nAllowable\nAnswers / Format\n\nmm/dd/yyyy\n\nDollar amount\n\nReconciliation of Site Value\n\nDefinition / Additional Guidance\n\nCost Approach - Reconciliation of Site Value\n"}
diff --git a/chunks/json/31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6.json b/chunks/json/31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6.json
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+{"chunk":{"char_end":598742,"char_start":597126,"chunk_id":"chk_c9b0cdd987aaab79","chunk_index":353,"chunk_sha256":"31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nIf the value of field e-29 is 'SettledSale',\nthis field is required.\n\nCR\n\nCR\n\nCR\n\n393\n\n3\n\ne-27\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing\nType Other\nDescription\n\nText entry for financing type if “Other” is\nselected.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEFinancingTypeOtherDescription\n\n11\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis is a free-text field that must contain the appraiser’s description of the financing\ntype if 'Other' is indicated.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of\nfield e-26 (GSE Financing Type) is\n‘Other’.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 113 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n394\n\n3\n\ne-28\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Concession\nAmount\n\nThe total known amount of the sales or\nfinancing concessions for the comparable\nsale.\n"}
diff --git a/chunks/json/31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e.json b/chunks/json/31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e.json
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+++ b/chunks/json/31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e.json
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+{"chunk":{"char_end":26418,"char_start":24568,"chunk_id":"chk_e9e5754aa66a5cf3","chunk_index":13,"chunk_sha256":"31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e","token_estimate":463,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"2. Single-family Data Field 22: Purpose\nof Loan\n\nThis data field designates the purpose\n\nof the mortgage acquired by the\nEnterprise (e.g., purchase, refinancing,\nrehabilitation). HMDA requires the\nreporting of the purpose of a mortgage,\nwith one of the purpose codes being for\nhome improvement loans. Data field 22\nincluded a code for ‘‘rehabilitation’’\nloans, which FHFA believes are\nsubstantially equivalent to home\nimprovement loans. Accordingly, to\nconform to HMDA reporting\nrequirements, FHFA has changed the\ncode name in this data field from\n‘‘rehabilitation’’ loan to ‘‘home\nimprovement/rehabilitation’’ loan. In\naddition, to conform to HMDA reporting\nrequirements, FHFA has added codes in\nthis data field in the single-family\nCensus Tract File to reflect HMDA’s\nadditional purpose of loan codes. (See\nthe expanded codes in the single-family\nmatrix in the Appendix.) FHFA has\npreserved the prior PUDB recoding in\nthis data field in the single-family\nNational File B. FHFA also has\nexpanded the codes in this data field to\nenable the Enterprises to report second\nmortgages and home improvement/\nrehabilitation mortgages as purchase\nmoney mortgages where applicable,\nwhich allow the Enterprises to claim\nappropriate credit under the 2005–2009\nhome purchase subgoals. Second\nmortgages and home improvement/\nrehabilitation mortgages identified as\npurchase money mortgages will be\ncoded as ‘‘1=purchase’’ for the PUDB.\n\nFannie Mae asked whether a mortgage\n\nwith a ‘‘value of 4’’ = home\nimprovement/rehabilitation (purchase\nmortgage) under the ‘‘purpose of loan’’\ndata field would be disclosed in the\nPUDB as a ‘‘1 = purchase’’, or a ‘‘4 =\nhome improvement/rehabilitation’’\nmortgage. FHFA is clarifying in this\nNotice of Order that a mortgage with a\n‘‘value of 4’’ will be disclosed in the\nPUDB as a ‘‘purchase’’ mortgage in the\nsingle-family files.\n"}
diff --git a/chunks/json/3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51.json b/chunks/json/3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51.json
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index 0000000000000000000000000000000000000000..e19695731fe17a5061c1eadde9217a90adb924a8
--- /dev/null
+++ b/chunks/json/3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51.json
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+{"chunk":{"char_end":69941,"char_start":69458,"chunk_id":"chk_272c30accf3c1066","chunk_index":112,"chunk_sha256":"3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 346\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 347\n"}
diff --git a/chunks/json/31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65.json b/chunks/json/31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65.json
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index 0000000000000000000000000000000000000000..bfbe546b8933b0c2fa24ca421f6c74a26b08b3f0
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+{"chunk":{"char_end":28957,"char_start":27334,"chunk_id":"chk_8aff9fa4d01abcb7","chunk_index":17,"chunk_sha256":"31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65","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/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Condition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\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 C\n\nBuilding 1 | Unit C\n\nBuilding 1 | Unit 3\n\nBuilding 1 | Unit 3\n\nQuality\n\nCondition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\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 D\n\nBuilding 1 | Unit D\n\nBuilding 1 | Unit 4\n\nBuilding 1 | Unit 4\n\nQuality\n\nCondition\n\nWalls and Ceiling\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\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\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nAdjusted Price Per Unit\n\nAdjusted Price Per Bedroom\n\nPrice Per Gross Building\nFinished Area\n\nAdjusted Price\n\nComparable Weight\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\n\n$20,000\n\nQ4\n\nC3\n\nBalcony | Balcony\n| Patio | Patio\n\nBalcony | Balcony\n| Patio | Patio\n\nPatio | Patio\n\n$10,000 Balcony | Balcony\n| Patio | Patio\n\nCarport | 4 | Detached\n800 Sq. Ft.\nDriveway | 4 | Concrete\n\n—\n\nCarport | 4 | Detached\nDriveway | 4 | Concrete\n\nCarport | 4 | Detached\nDriveway | 4 | Concrete\n"}
diff --git a/chunks/json/3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478.json b/chunks/json/3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478.json
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index 0000000000000000000000000000000000000000..fdd7e2a136a8b9ea662915b2994fe7ecf4427b01
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+++ b/chunks/json/3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1668,"char_start":0,"chunk_id":"chk_fcb316e2ab24d1f2","chunk_index":0,"chunk_sha256":"3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f92a0f8838f55a9e","text_sha256":"3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-procedures.pdf"]},"text":"Desktop Originator/Desktop Underwriter\nTest Credit Report Procedures\n\nNovember 20, 2017\n\nThe Fannie Mae Test Credit Agency (Test Credit Agency) is a mock credit database comprised of test borrowers to help\nour customers develop and test customized loan application scenarios specific to their business needs. Lenders,\noriginators, third-party trainers, and vendors that have access to Desktop Originator®/Desktop Underwriter® DO®/DU®) can\nuse the Test Credit Agency to request test credit reports for the test borrowers.\n\nThe test credit reports generated by the Test Credit Agency are available free of charge to registered DO/DU users. In\naddition, all submissions to DU for the test borrowers identified below are free of charge.\n\nN O T E : Use of these test borrowers for testing and training purposes is subject to the terms and conditions of\nthe Fannie Mae Software Subscription Agreement and the DO/DU Schedules.\n\nRequesting credit reports from the Test Credit Agency\n\nTo access the Test Credit Agency, select Test Credit Agency (200) from the list of credit providers. Enter any\ncombination of letters and numbers as the account number. Enter fnma as the Password/PIN.\n\nYou can access the Test Credit Agency during the same hours of availability as DO/DU. Because we are not connecting\nto an outside credit service, your test credit report will be returned within seconds.\n\nList of test borrowers\nThe following chart identifies the test borrowers for whom test credit reports are currently available through DU.\n\nMake sure borrowers are listed exactly as shown below. Where a borrower and co-borrower are listed together, a joint\ncredit report must be ordered.\n"}
diff --git a/chunks/json/3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2.json b/chunks/json/3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2.json
new file mode 100644
index 0000000000000000000000000000000000000000..6794b0e375b690b3ae9de810e2ea045605258dc4
--- /dev/null
+++ b/chunks/json/3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17920,"char_start":15373,"chunk_id":"chk_84276cb1d8692f1c","chunk_index":9,"chunk_sha256":"3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2","token_estimate":637,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and\nthe reporting requirements of this appraisal report form, including the following definition of market value, statement of\nassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a visual inspection\nof the exterior areas of the subject property from at least the street, (2) inspect and analyze the condominium project, (3)\ninspect the neighborhood, (4) inspect each of the comparable sales from at least the street, (5) research, verify, and\nanalyze data from reliable public and/or private sources, and (6) report his or her analysis, opinions, and conclusions in this\nappraisal report.\n\nThe appraiser must be able to obtain adequate information about the physical characteristics (including, but not limited to,\ncondition, room count, gross living area, etc.) of the subject property from the exterior-only inspection and reliable public\nand/or private sources to perform this appraisal. The appraiser should use the same type of data sources that he or she\nuses for comparable sales such as, but not limited to, multiple listing services, tax and assessment records, prior\ninspections, appraisal files, information provided by the property owner, etc.\n\nINTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction.\n\nINTENDED USER: The intended user of this appraisal report is the lender/client.\n\nDEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open\nmarket under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and\nassuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a\nspecified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically\nmotivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own\nbest interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in\nU. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal\nconsideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone\nassociated with the sale.\n"}
diff --git a/chunks/json/3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2.json b/chunks/json/3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2.json
new file mode 100644
index 0000000000000000000000000000000000000000..9ff39b3d27f110ffef84b803e46a75e22bc27d5d
--- /dev/null
+++ b/chunks/json/3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":101018,"char_start":99396,"chunk_id":"chk_a83afecba88315dc","chunk_index":105,"chunk_sha256":"3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2","token_estimate":425,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Units Sold,” “Units for Sale,” “Units Rented” set as TXR-I, TXR\n\n“Reason Units Rented is Estimated” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X\n22 picas.\n\n“Mandatory Fees (HOA, PUD, or Co-op)” set as TXR-B\n\n“Monthly Amount,” “Common Amenities/Services Included,” “Utilities Included” set as TXR-I,\nTXR.\n\n“Observed Deficiencies” sets as CK1, followed by Y/N.\n\n“Description of Deficiencies” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X 22\npicas.\n\nRight-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n•\n\n“Project Completeness” sets as TXR-B.\n\n“Yes” “No” (Y/N) followed by “Are units, common areas, and amenities in project complete?”\n“Subject Property Building Complete,” “Converted in Past 3 Years” sets as CK-1I.\n\n“Ground Rent” set as standard CK1, with Y/N and checkboxes.\n\n“Annual Amount,” “Expires” set as TXR-I, TXR.\n\n“Description of Ground Rent” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X 22\npicas.\n\nCooperative Information (H1)\n\nLeft-hand side of page\n\n•\n\n“Shares Issued and Outstanding,” “Shares Attributable to Subject Property” set as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Proprietary Lease Expires” sets as TXR-B, TXR.\n\nProject Blanket Financing (CK-H2)\n\n• Y/N checkboxes flush right at 22 picas, offset 2 points from H2 rule.\n\nAppendix E: Report Style Guide\n\nPage 55 of 90\n\nVersion 1.4\n\nLeft-hand side of page\n\n•\n\n“Pro Rata Share” sets as TXR-B, TXR.\n\nProject Blanket Financing table\n\n• Set equal column table x 45 picas, number of columns equals number of Liens + 1, headings:\n(TCH) “Lien Detail,” “First Lien,” “Second Lien, “Third Lien,” “Fourth Lien” if applicable per\niGuide.\n"}
diff --git a/chunks/json/315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c.json b/chunks/json/315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c.json
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index 0000000000000000000000000000000000000000..0a5af2441af4e3f4938698bccea7db2fa6b61f2f
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+++ b/chunks/json/315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c.json
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+{"chunk":{"char_end":3580,"char_start":3518,"chunk_id":"chk_a3dc3704fe934729","chunk_index":2,"chunk_sha256":"315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2c97a2a118f4ef52","text_sha256":"315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c","token_estimate":18,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-25-2025.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae. Trademarks of Fannie Mae.\n\n12.18.24 2 of 2\n"}
diff --git a/chunks/json/315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9.json b/chunks/json/315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9.json
new file mode 100644
index 0000000000000000000000000000000000000000..b8c26c7c6e82f12f4d6b4fb52efb5a3325c28f67
--- /dev/null
+++ b/chunks/json/315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1649,"char_start":0,"chunk_id":"chk_2607ee94303cd834","chunk_index":0,"chunk_sha256":"315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Condominium Scenario 2\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n06/27/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a detached condominium, and the site is not owned in common. The rights to the land\nare owned by the homeowner, and the homeowner is responsible for the maintenance of the dwelling.\nThe legal description references condominium.\n\nThe home has one level above grade, one level below grade (walkout basement), and noncontinuous\nfinished space above the garage. It is new construction in a community with a country club and golf\ncourse. Membership in the country club is mandatory for anyone who purchases a home in this\ncommunity. The subject has a golf course view.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\no Lender\no AMC (Client)\no Appraiser\n\n• Market Value Condition: As Is\n• No Defects, Damages, or Deficiencies noted\n• Desktop appraisal\n\no No subject property inspection by the appraiser (see also Cert 10)\n"}
diff --git a/chunks/json/3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738.json b/chunks/json/3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738.json
new file mode 100644
index 0000000000000000000000000000000000000000..01365c7bffedd266b9d326f95e56f6ea3a2aec8a
--- /dev/null
+++ b/chunks/json/3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":692355,"char_start":690589,"chunk_id":"chk_ef0fcf80f1f2e5f9","chunk_index":412,"chunk_sha256":"3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738","token_estimate":442,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Cost Approach Developed by Appraiser\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAlways required\n\nYes | No\n\nCost Approach Developed by Appraiser\n•\n•\n\nYes (The Cost Approach section is included)\nNo (The Cost Approach section is not included)\n\nIndicated Value by Cost Approach\n\nInformation displaying at the top of the Cost Approach section is calculated or redisplayed from the subsections\nbelow.\n\nReport\nField ID\n\n25.000\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCost Approach: Indicated Value by Cost Approach\n\nAlways displays\n\nDollar amount\n\nIndicated Value\nby Cost\nApproach\n\nCalculated: The sum of the following:\n•\n•\n•\n•\n\nDepreciated Cost of Dwellings 25.001\nDepreciated Cost of Outbuildings 25.002 if applicable\nAs Is Value of Site Improvements 25.003\nOpinion of Site Value 25.004\n\n25.001 Depreciated\n\nAlways displays\n\nDollar amount\n\nCost of\nDwellings\n\nCalculated: The sum of Estimated Dwelling Cost including depreciation 25.018,\nfor all dwellings on the property.\nNote:\n•\n\nReference the Depreciated Cost – Dwelling subsection for each dwelling.\n\n25.002 Depreciated\n\nCost of\nOutbuildings\n\nDisplays when there\nare outbuilding(s) that\nare considered real\nproperty\n\nDollar amount\n\nCalculated: The sum of Estimated Outbuilding Cost including depreciation\n25.036, for all outbuildings that are considered real property (all outbuildings in\nthe Cost Approach).\nNotes:\n•\n\nReference the Depreciated Cost – Outbuilding subsection for each\noutbuilding that is considered real property.\nIf there are no outbuildings in the Cost Approach, Depreciated Cost of\nOutbuildings does not display.\n"}
diff --git a/chunks/json/3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92.json b/chunks/json/3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92.json
new file mode 100644
index 0000000000000000000000000000000000000000..3811e3ae3d22777bb05ee78f8d12ce36fb56bb0c
--- /dev/null
+++ b/chunks/json/3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27424,"char_start":25664,"chunk_id":"chk_2332e5cd4eab305b","chunk_index":14,"chunk_sha256":"3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92","token_estimate":440,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that\nordered and will receive this appraisal report.\n\nFreddie Mac Form 465H April 2022\n\nPage 5 of 6\n\nFannie Mae Form1073 Hybrid April 2022\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nFile #\n\n21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the\nborrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other\nsecondary market participants; data collection or reporting services; professional appraisal organizations; any department,\nagency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to\nobtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal\nreport may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public\nrelations, news, sales, or other media).\n\n22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain\nlaws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice\nthat pertain to disclosure or distribution by me.\n\n23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage\ninsurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part\nof any mortgage finance transaction that involves any one or more of these parties.\n"}
diff --git a/chunks/json/3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345.json b/chunks/json/3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345.json
new file mode 100644
index 0000000000000000000000000000000000000000..91f99ec2f1ce05e549b625e4ce267c052e747f3d
--- /dev/null
+++ b/chunks/json/3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33503,"char_start":31836,"chunk_id":"chk_167e9da478911939","chunk_index":21,"chunk_sha256":"3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"Federal Housing Finance Agency\n\n10\n\nUAD PUF Version 2.1 Data Documentation\n\nInformation Quality Criteria\n\n5. Describe the granularity (i.e., amount of\ndisaggregation) of any key estimates.\nGranularity can be expressed in units of time,\nlevel of geographic detail available, or the\namount of detail available on any number of\ncharacteristics.\n6. Where applicable, describe any known\nmajor or significant errors in the underlying\nsource data used to create the product.\n7. Where applicable, describe how users can\nestimate errors, such as errors from sampling.\n8. Where applicable, describe the consistency\nor comparability with estimates contained in\nother products published by FHFA.\n\n9. Where applicable, describe the steps taken\nto ensure the product protects the privacy and\nconfidentiality of underlying entity (e.g.,\nborrower, business) reflected in the source\ndata, where applicable.\n10. Where applicable, describe the\nverification and validation steps taken to\nensure errors are not introduced in the\nproduction process.\n\n11. Where applicable, describe the “chain of\ncustody” of the product from its verification\nand validation to when it is posted on the\nwebsite.\n\nResponse\nconducted between January 1, 2017, and December\n31, 2022 associated with mortgage loans insured by\nFHA.\nThe UAD Appraisal-Level PUF includes a sample of\nappraisal records. Users can utilize the data fields in\nthe file to produce estimates by year, various\ngeographic levels, and numerous characteristics.\n\nFHFA is not aware of any major or significant errors\nin the UAD appraisal records. Where applicable,\nFHFA made fixes to correct minor data quality errors.\nDescribed in Section 5.\n"}
diff --git a/chunks/json/31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e.json b/chunks/json/31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e.json
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+{"chunk":{"char_end":19776,"char_start":18172,"chunk_id":"chk_466e3de585a742ed","chunk_index":11,"chunk_sha256":"31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Unit Interior - Building 2 - Unit 2\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n864 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\nYes\n2\n1\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n864 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Bedroom\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ5\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nPartially Updated\n\nTime Frame\n5–10 years\n\nQuality Comment\nAdd comment if\nneeded.\n\nCondition Status\nTypical Wear and Tear\n\nPartially Updated\n\n5–10 years\n\nAdd comment if\nneeded.\n\nTypical Wear and Tear\n\nCondition Comment\nSome hardware noted\nto be missing from\ncabinets.\n\nNewer laminate floor\ninstalled. Some cabinet\nhardware missing.\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nLaminate\n\n8 Ft. | Flat\n\nQuality Comment\nAdd comment if needed.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAdd comment if needed.\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nAdd comment if needed.\n\nTypical Wear and Tear\n"}
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+{"chunk":{"char_end":517533,"char_start":514929,"chunk_id":"chk_a304ab6d300484e0","chunk_index":294,"chunk_sha256":"319b0088bddaba232b8f428b99e9d9030fcaf9c36c3dc51b6f4940a5ddc6d6f1","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"319b0088bddaba232b8f428b99e9d9030fcaf9c36c3dc51b6f4940a5ddc6d6f1","token_estimate":651,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Topic\n\nADDRESS\n\nTable 160. Consolidated Mapping Guidance\n\nGuidance\n\nThe MISMO v3.3.0 reusable container ADDRESS is used in multiple locations within the\nReference Model. It may be used as the ADDRESS for a PARTY or the ADDRESS for a PROPERTY.\nThe context of its use is determined by the XPath:\n\nADDRESS – PARTY\n\nADDRESS – SUBJECT\nPROPERTY\n\nADDRESS TYPE\n\nThe ADDRESS for a PARTY is found at the end of the following XPath (pink in ADDRESS diagram,\nabove):\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL\n_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS\n\nProperty addresses are located at the end of the following XPath (blue in ADDRESS diagram,\nabove).\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL\n_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS.\n\nFor addresses associated with a PARTY, the data point AddressType qualifies all the data in\nADDRESS by indicating what type of address it is (e.g., “Mailing,” “Corporate Headquarters,”\netc.).\n\nADJUSTMENT\n\nSee “Interest Rate Adjustment” or “Principal and Interest Payment Adjustment”.\n\nARC ROLES / XLINK\n\nSee the sections A. Contact Table Relationships in the UCD File and A. Borrower and Seller\nRelationships to Signature Line.\n\nAMOUNT\n\nAmounts may be either positive or negative in the XML file. See 7. Potential Sign Conflicts\nsection.\n\nAppendix E: UCD Implementation Guide\n\nPage 243 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nV. Consolidated Mapping Guidance\n\nTopic\n\nBOIL ERPLATE\n\nCON TEXT\n\nCOUN T\n\nDATE FORMAT\n\nTable 160. Consolidated Mapping Guidance\n\nGuidance\n\nThe form structure–the labels, tables, questions, answers, headings, headers and footers, and\ninstructions—must be created by the system generating the paper copy. The UCD carries the\ndata that will populate this structure, but it is important to note that in some cases, the UCD\nalso conveys data points that become incorporated into the form structure.\nFor example: While prescribed response phrases must be presented for any “YES” answer in\nthe Loan Terms table, the data components embedded in the response phrases are taken\nfrom UCD data points. The amount in the statement, 4.3.3 “Can go as high as $1,870” is\nrepresented in the XML file as a single data point:\nPrincipalAndInterestPaymentMaximumAmount = “1870.00.” Notice that the underlying data\npoint value must be formatted for correct representation on the form with a dollar sign and\ncomma. The text surrounding this value is document boilerplate. The boilerplate components\nwith a UCD contribution are identified as part of the mapping discussion in each section.\n"}
diff --git a/chunks/json/31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734.json b/chunks/json/31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734.json
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+{"chunk":{"char_end":161322,"char_start":159721,"chunk_id":"chk_e808671f968bb4eb","chunk_index":75,"chunk_sha256":"31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 69 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nThe period for the principal and interest payment amount is dynamically presented in the form label (as shown\nin the Figure below) based on the loan’s payment schedule.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 NO\n\n4.2.3\n\n4.3 Monthly Principal & Interest\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.1 $761.78\n\n4.3.2 NO\n\n4.3.3\n\nFigure 41. Periodic Principal and Interest Payment Period\n\nTable 57. Periodic Principal & Interest Payment Period\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\n...Principal &\nInterest\n\n…/LOAN/PAYMENT\n/PAYMENT_RULE\n\nPaymentFrequency\nType\n\nMonthly\n\nID\n\n4.3\n\n4. 3. 1 PRI NCI PAL AND I NTEREST PAYMENT AMOUNT\n\nThe payment amount is the actual initial payment dollar amount unless the payment will adjust based upon an\nexternal interest rate that is not known at consummation. Although a different data point is used to represent\nthe P&I payment amount on the form in each case, the actual representation on the form is identical, and is\nshown on the following figure.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\n\n4.3.1 $761.78\n\n4.3.2 NO\n\n4.3.3\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\nFigure 42. P&I Payment Known at Consummation\n\na. PAYMENT AMOUNT KNOWN AT CONSUMMATION\n\nThe example illustrated in the table below is for a P&I payment known at consummation.\n"}
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diff --git a/chunks/json/31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0.json b/chunks/json/31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0.json
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+{"chunk":{"char_end":146326,"char_start":144706,"chunk_id":"chk_9554791b634aae30","chunk_index":82,"chunk_sha256":"31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 61 of 166\n\nUAD 3.6 Policy\n\nEligible Transactions\n\nThe following are eligible for a hybrid appraisal:\n\nexisting one-unit properties (including those with an ADU(s) and units in a condo or PUD);\n\n•\n• principal residence, second home, or investment properties;\n• under construction properties;\n•\n•\n\nexisting properties with incomplete construction or renovation project;\ncommunity land trusts, or other properties with resale price restrictions, which include loan casefiles using the\nAffordable LTV feature; and\nTexas 50(a)(6) loans.\n\n•\n\nThe transaction must be a purchase, limited cash-out refinance, or cash-out refinance.\n\nIneligible Transactions\n\nThe following transactions are not eligible for a hybrid appraisal:\n\ntwo- to four-unit properties;\nco-op units;\n\n•\n•\n• manufactured homes;\n• proposed construction;\n•\n• HomeStyle Renovation and HomeStyle Refresh loans;\n• DU loan casefiles that receive an Ineligible recommendation; and\n• manually underwritten loans.\n\nconstruction-to-permanent loans (single-close and two-close);\n\nExercising Hybrid Appraisals\n\nWhen exercising a hybrid appraisal, the lender must complete all of the following:\n\n• obtain a property data collection and successfully submit to the Fannie Mae Property Data API.\n• provide the property data collection to an appraiser for the completion of a hybrid appraisal.\n•\n• perform an appraisal review in accordance with this Guide.\n• deliver the loan with the hybrid appraisal to Fannie Mae.\n\nsubmit the hybrid appraisal to the Uniform Collateral Data Portal (UCDP).\n\nRepresentations and Warranties\n"}
diff --git a/chunks/json/31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba.json b/chunks/json/31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba.json
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+{"chunk":{"char_end":9704,"char_start":8090,"chunk_id":"chk_4af72051cbdd9cce","chunk_index":5,"chunk_sha256":"31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Kitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath – Full\nLevel 1\n\nBath – Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nNot Updated\n\nQuality Comment\nUpgraded cabinetry,\nceramic tile flooring,\nand upgraded\nappliances\n\nStandard grade\ncabinetry and\nplumbing fixtures\n\nStandard grade\ncabinetry and\nplumbing fixtures\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 6 of 19\nPage 6 of 19\n\nUnit Interior (continued)\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nThe dwelling has been well-maintained and exhibits only minimal wear and tear.\n\nUnit Interior Exhibits\n\nLevel 1 - Kitchen\n\nLevel 1 - Bath - Full - Primary Bath\n\nThis is where the Kitchen photo would display.\n\nThis is where the Bath 1 photo would display.\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Bedroom - Primary Bedroom\n\nThis is where the Bath 2 photo would display.\n\nThis is where the 1st Bedroom photo would display.\n\nLevel 1 - Bedroom - Second Bedroom\n\nLevel 1 - Bedroom - Third Bedroom\n\nThis is where the 2nd Bedroom photo would display.\n"}
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+{"chunk":{"char_end":8924,"char_start":7166,"chunk_id":"chk_f7458676633b05ca","chunk_index":4,"chunk_sha256":"320e5057ff2140ed317e525e023a52e29e037ae9b23b6866a6fc52a8fe6a9f14","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_75c54d5d6452a9a2","text_sha256":"320e5057ff2140ed317e525e023a52e29e037ae9b23b6866a6fc52a8fe6a9f14","token_estimate":440,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_tx7oog.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 - [News](/news)\n - [News Releases](/news/news-release)\n - FHFA Releases Data Visualization Dashboard For Enterprises’ Multifamily Mortgage Acquisitions\n\nNews Release\n\n# FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions\n\nfor immediate release\n\n09/17/2024\n\n**Washington, D.C.** – The Federal Housing Finance Agency (FHFA) released an interactive tool for tracking data on multifamily mortgages that enables users to review details about loans and properties at both the state and national levels.\n"}
diff --git a/chunks/json/3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6.json b/chunks/json/3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6.json
new file mode 100644
index 0000000000000000000000000000000000000000..ba16a046287e1006d0b0fea0fd1954b824524625
--- /dev/null
+++ b/chunks/json/3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":121426,"char_start":119810,"chunk_id":"chk_f8b5faa8b4dae1c4","chunk_index":149,"chunk_sha256":"3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nPage 62\n\nIMPROVEMENT_COST Element\n\nIn each instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container, information about the costs to replace/reproduce the\nstructure must be delivered in the IMPROVEMENT_COST container.\n\n• Within the IMPROVEMENT_COST container, the REPLACEMENT_REPRODUCTION_COST container must repeat for each area of the\n\nstructure where costs to reproduce/replace are being estimated.\n\no For example, when replacement/reproduction cost is provided for “Above Grade Finished Area” and “Built-in Garage”, two\n\ninstances of the REPLACEMENT_REPRODUCTION_COST containers must be provided.\n\nIMPROVEMENT_DEPRECIATION Element\n\nIn each instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container, information about the depreciation related to the\nstructure must be included in the IMPROVEMENT_DEPRECIATION container.\n\nThis section describes how to package the UAD XML file, appraisal report, and the associated images. The same requirement applies for\nAppraisal Update and Completion Report as well.\n\nCreate one .zip file for each appraisal (not to exceed 60 mb). The .zip file must include:\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• One UAD 3.6 XML file\n• One Appraisal Report PDF (including the embedded images)\n•\n\nImages folder includes images associated with this appraisal (e.g., .jpeg, .png)\n\nCreation of .zip File\n\n• Create a directory for the Report\n\nPage 63\n\n• Place the Appraisal Report and UAD XML file in this directory and create subdirectory (folder) called Images for the images.\n\n• Place the images in the Images subdirectory\n"}
diff --git a/chunks/json/32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5.json b/chunks/json/32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5.json
new file mode 100644
index 0000000000000000000000000000000000000000..68f4a1bc50efd2f7a99b8309bcf6dbaa6fd8c64b
--- /dev/null
+++ b/chunks/json/32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8236,"char_start":6857,"chunk_id":"chk_778be43de5ba3efe","chunk_index":4,"chunk_sha256":"32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5","date_utc":"2026-01-27T17:47:14+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3a94cd501f6e2a24","text_sha256":"32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5","token_estimate":343,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae6/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae6.md"]},"text":"[**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files)\n\nThis zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.\n\n[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide)\n\nThis zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.\n\n[**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide)\n\nThis document provides guidance on how to enter information and how the data will be displayed in the Completion Report.\n\n[**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report)\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.\n"}
diff --git a/chunks/json/3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b.json b/chunks/json/3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b.json
new file mode 100644
index 0000000000000000000000000000000000000000..89df8c1f7abae335e3da9ffb7fe6e1f88c038e6d
--- /dev/null
+++ b/chunks/json/3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":355152,"char_start":353511,"chunk_id":"chk_89b8f65cd701ff96","chunk_index":289,"chunk_sha256":"3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b","token_estimate":410,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Motivated, Short Sale, Estate Sale, etc.)\n\n• Date – OwnershipTransferDate (UID: 1800.0207, FID: 21.009) Display for each Comparable, in Transfer Date order starting with\n\nthe most recent.\n\no When one comparable property has multiple sales or transfers, each should display on a separate line in the table, in\n\ntransfer date order beginning with the most recent. (Figure 21 - 3)\n\n• Amount – Provide OwnershipTransferTransactionAmount (UID: 1800.0208, FID: 21.010) when available, else provide\n\nOwnershipTransferAmountNotAvailableReasonType (UID: 1800.0205, FID: 21.010)\n\n• Data Source – DataSourceType (UID: 0700.0125, FID: 21.011) Display one or more data sources for each sale or transfer. When\n\nthere are multiple data sources display them stacked. (Figure 21 - 3)\n\no A relationship is required for each subject property data source. (See Arcroles/Data Relationships)\n\n• Analysis of Prior Sale and Transfer History of Comparable Sales – A comment is required in ValuationCommentText (UID:\n\n1600.0008, FID: 21.012) with ValuationAnalysisCategoryType (UID: 1600.0009, FID: 21.012) =\n“ComparablesPriorSalesAndTransferHistory”\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 21 - 3\n\nPage 272\n\nPrior Sales and Transfer History Exhibits\n\nThe Prior Sales and Transfer History Exhibits subsection displays only when images are provided.\n\n• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 21.013.1) =\n\n“PriorSaleAndTransferHistoryExhibit”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 21.013.2)\n\nPrior Sales and Transfer History – Arcrole Relationships\n"}
diff --git a/chunks/json/321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296.json b/chunks/json/321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296.json
new file mode 100644
index 0000000000000000000000000000000000000000..6996bb9097426a4cb71aa08f27a61bae7f765ecd
--- /dev/null
+++ b/chunks/json/321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6570,"char_start":4935,"chunk_id":"chk_448a6658a31ecae6","chunk_index":3,"chunk_sha256":"321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf"]},"text":"• Search option enhancements and new “Recently Viewed Files” section\n\n• Association of an Appraisal Update Report or a Completion Report with the original URAR\n\nApril 2025 | 11\n\nHow to Identify Property and Report Type\nwithout a Form Number\n\nProperty and assignment information drive the request, not a\nform number\n\n• Property Valuation Method (Traditional, Hybrid, Desktop, Exterior Only)\n\n• Construction Method(s) for each dwelling (Manufactured, Site Built, etc.)\n\n• Property in Project / Project Legal Structure (Condo, Co-op, Condop)\n\n• Subject Site Owned in Common\n\n• Number of Units Excluding ADUs\n\n• Number of ADUs\n\nNote: You will continue to use information provided in Loan Product Advisor® (LPA®)\nand Desktop Underwriter® (DU®) to determine the minimum appraisal requirements.\n\nApril 2025 | 12\n\nHow to Identify Property and Report Type without a Form Number\n\nThe Summary section\nof the URAR provides\ninformation that defines\nproperty and report type\n\nApril 2025 | 13\n\nMapping Legacy Forms to Redesigned URAR Property Type Characteristics\n\nFunctioning without Form Numbers\n\nFunctioning without Form Numbers: Mapping\nLegacy Forms to Redesigned URAR Property\nType Characteristics highlights six UAD data\npoints that drive the property type for the\nredesigned URAR.\n\n• The data that describes the subject property\n\ndrives the appraisal report, not a form.\n\n• The URAR fills the gap on the properties that,\ndue to certain property characteristics, did not\nfit on a legacy form.\n\nUse this document to:\n\n• Help understand how the URAR’s dynamic\nstructure along with discrete and repeatable\ndata replaces the legacy form numbers.\n"}
diff --git a/chunks/json/3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e.json b/chunks/json/3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e.json
new file mode 100644
index 0000000000000000000000000000000000000000..a5408f6cd60422a19d377c2e8f56be1e8fa09efc
--- /dev/null
+++ b/chunks/json/3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12220,"char_start":10597,"chunk_id":"chk_d476a95f26da3fa2","chunk_index":6,"chunk_sha256":"3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.md"]},"text":"[View Program](/programs/housing-finance-examiner-commission)\n\n- ## Financial Technology (FinTech)\n\nFHFA’s Office of Financial Technology (Fintech) supports the Agency in developing strategies for FHFA’s regulated entities to advance fintech and innovation in housing finance in a safe and sound and equitable manner.​ The Fintech Office serves as a centralized information clearinghouse and resource for the Agency on mortgage-related innovations, general trends, and emerging risks in the use of fintech.​\n\n[View Program](/programs/fintech)\n\n- ## Fraud Prevention\n\nThe Federal Housing Finance Agency (FHFA) is committed to combating mortgage fraud. Freddie Mac, Fannie Mae, and the Federal Home Loan Banks (the “regulated entities”) have a statutory obligation to report possible fraud and fraud to law enforcement authorities and regulatory agencies, including FHFA. FHFA’s work to ensure the safety and soundness of the regulated entities includes monitoring their fraud prevention programs and conducting risk-focused reviews of their financial crime risk management and regulatory compliance. FHFA coordinates with fellow regulatory and law enforcement agencies to foster open communication and collaboration in prevention of mortgage fraud.\n\n[View Program](/programs/fraud-prevention)\n\n- ## Loss Mitigation\n\nFannie Mae and Freddie Mac have a number of aligned loss mitigation programs that are aimed at preventing foreclosures for delinquent borrowers. These programs include options for staying in or leaving their home.\n\n[View Program](/programs/loss-mitigation)\n\n- ## National Mortgage Database Program\n"}
diff --git a/chunks/json/323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f.json b/chunks/json/323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3dfbf5d0374144e34ad2dcf0466743baa47164f2
--- /dev/null
+++ b/chunks/json/323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":992130,"char_start":990501,"chunk_id":"chk_394dfcedc3959404","chunk_index":591,"chunk_sha256":"323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Supervisor City\n\nThe city in which the address of the\nsupervisor is located.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_City\n\nSupervisor State\n\nThe state in which the address of the\nsupervisor is located.\n\nSupervisor Postal\nCode\n\nContact Point Value\n\nContact Point Value\n\nThe postal code (zip code in US) of the\naddress of the supervisor. Zip code may\nbe either 5 or 9 digits.\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_State\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_PostalCode\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO\nNTACT_POINT[@_Type='Phone']/@_Value\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO\nNTACT_POINT[@_Type='Email']/@_Value\n\n40\n\n2\n\n10\n\n12\n\n48\n\n48\n\n90\n\n25\n\n25\n\n25\n\n45\n\n45\n\n2\n\n10\n\n50\n\n50\n\nString\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· City\nThis data is referenced more than once on the form (fields 1-7, 2-12b, 6-20b) and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· USPS two-letter state or territory Representation\nThis data is referenced more than once on the form (fields 1-8, 2-12c, 6-20c), and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"}
diff --git a/chunks/json/326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d.json b/chunks/json/326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d.json
new file mode 100644
index 0000000000000000000000000000000000000000..f5f7f88a3676e74b1c4fa44e65d2a1b65255aa97
--- /dev/null
+++ b/chunks/json/326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":65472,"char_start":63290,"chunk_id":"chk_6b5c123306823b0c","chunk_index":34,"chunk_sha256":"326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d","token_estimate":546,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"B. Multifamily Rate Spread\n\nFHFA considered adding a new\nHMDA data field to the PUDB that\nwould have designated the difference\nbetween the APR and the applicable\nTreasury rate for multifamily mortgages\nacquired by the Enterprise. Both\nEnterprises commented that they do not\ncollect multifamily rate spread, and\nmaintained that this data field is not\napplicable to multifamily lending under\nRegulation Z (12 CFR 226.1(c), which\nimplements the Truth in Lending Act)\nand HOEPA. Fannie Mae contended\nthat, for loans subject to Regulation Z,\nthe reporting entity is required to\nprovide information on certain ‘‘high-\npriced mortgage loans,’’ but stated that\nRegulation Z does not apply to\nextensions of credit to non-natural\npersons (citing to 12 CFR 226.3(a)(2)).\nFreddie Mac asserted that HMDA does\nnot require the collection and reporting\nof data for purchased loans, and both\nEnterprises stated that requiring the\ncollection of this data would involve\nconsiderable expense and impose a\nsignificant regulatory burden.\n\nSince the Enterprises are not currently\n\ncollecting this data, and the data point\nis not a HMDA data element for the\ngreat majority of multifamily loans that\nthe Enterprises purchase, as to which\nthe borrowers are non-natural persons,\nand collecting the data would impose a\nsubstantial additional burden on the\nEnterprises while they are in\nconservatorship, FHFA is not requiring\nthe Enterprises to collect and report this\ndata for inclusion in the PUDB.\n\nC. Multifamily HOEPA Status\n\nFHFA considered adding a new\nHMDA data field to the PUDB that\nwould have designated whether the\nmultifamily loan acquired by the\nEnterprise is subject to HOEPA because\nthe APR or the points and fees on the\nloan exceed the HOEPA triggers. Both\nEnterprises stated that they do not\ncollect multifamily HOEPA status and,\nfor the reasons discussed under the\nmultifamily rate spread discussion\nabove, maintained that this data field is\nalso not applicable to multifamily\nlending under Regulation Z and\nHOEPA. Fannie Mae also stated that\nHOEPA applies ‘‘to a consumer credit\ntransaction that is secured by the\nconsumer’s principal dwelling’’ and\ndoes not apply to multifamily\nproperties.\n"}
diff --git a/chunks/json/327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab.json b/chunks/json/327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab.json
new file mode 100644
index 0000000000000000000000000000000000000000..71d330a648af78e081e570af54e5c25769912642
--- /dev/null
+++ b/chunks/json/327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":513257,"char_start":511630,"chunk_id":"chk_a2e783c9e5577bf2","chunk_index":302,"chunk_sha256":"327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field should contain a description of the materials and condition of the interior\nwalls.\n\nString\n\nThis field should contain a description of the materials and condition of the trim/finish.\n\nString\n\nString\n\nThis field should contain a description of the materials and condition of any bathroom\nwainscot.\n\nThis field should contain a description of the materials and condition of the Interior\nDoors.\n\nBoolean\n\nA value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not checked.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nThis field should be indicated if the\nvalue of field 2-57 (Amenity Count) is\ngreater than zero.\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) should be entered.\n\nBoolean\n\nA value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is not\nchecked.\n\nThis field should be indicated if the\nvalue of field 2-59 (Amenity Count) is\ngreater than zero.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nString\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) should be entered.\n\nBoolean\n\nA value of 'Y' indicates a deck/patio exists, a value of 'N' indicates the box is not\nchecked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the patio/deck. If there is no patio or deck,\nindicate 'None'.\n\nThis field should be populated if the\nvalue indicated in field 2-61 (Amenity\nDetailed Description) is not equal to\n'None'\n\nBoolean\n\nA value of 'Y' indicates a porch/balcony exists, a value of 'N' indicates the box is not\nchecked.\n"}
diff --git a/chunks/json/327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583.json b/chunks/json/327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583.json
new file mode 100644
index 0000000000000000000000000000000000000000..82eaed07d8a0cf2653c46a43438d904b83e81a40
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+++ b/chunks/json/327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17791,"char_start":14617,"chunk_id":"chk_4948ea7574e1c9dd","chunk_index":9,"chunk_sha256":"327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583","token_estimate":980,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34871\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"\\/news\\/news-release\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"better_exposed_filters\":{\"datepicker\":true,\"datepicker_options\":[]},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883.json b/chunks/json/3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883.json
new file mode 100644
index 0000000000000000000000000000000000000000..faedb43137083577fea8de655511b0c13bd0c4cd
--- /dev/null
+++ b/chunks/json/3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11216,"char_start":9313,"chunk_id":"chk_8ee94d696bcfc30d","chunk_index":5,"chunk_sha256":"3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_044166ef44f6a6e4","text_sha256":"3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883","token_estimate":517,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md"]},"text":"As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year [Primary Mortgage Market Survey® (PMMS®)](http://www.freddiemac.com/pmms/) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.\n\n## MIRS Transition Index\n\n---\n\n**MIRS Transition Index**\n**Release Dates** **Index Value** December 2025 6.29 November 2025 6.34 October 2025 6.57 September 2025 6.71 August 2025 6.83 July 2025 6.80 June 2025 6.61 May 2025 6.64 April 2025 6.88 March 2025 6.92 February 2025 6.59 January 2025 6.77 December 2024 6.31 November 2024 6.19 October 2024 6.48 September 2024 6.88 August 2024 6.94 July 2024 7.08 June 2024 6.87 May 2024 6.73 April 2024 6.63 March 2024 6.65 February 2024​ 6.94 January 2024​ 7.49 December 2023​ 7.56 November 2023​ 7.17 October 2023​ 6.95 September 2023​ 6.95 August 2023 6.68 July 2023​ 6.34 June 2023​ 6.26 May 2023​ 6.72 April 2023​ 6.11 March 2023 6.32​ February 2023​ 6.32​ January 2023 7.07​ December 2022 6.91​ ​​November 2022 5.88 October 2022 ​5.21​ September 2022​ ​5.50 ​August 2022 ​5.22 ​​July 2022 5.29​ June 2022​ 4.99​*\n*revised​ May 2022​ 3.84​ ​April 2022 3.68​ ​March 2022​ 3.44​ ​February 2022 ​​3.09 ​January 2022 ​2.97​ [MIRS Transition Index Data File (CSV)](/document/mirs-historical-data-file)\n[Historical MIRS Transition Index](/data/mirs/history)\n"}
diff --git a/chunks/json/3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33.json b/chunks/json/3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33.json
new file mode 100644
index 0000000000000000000000000000000000000000..8d2e26764d6128dcb6a10a8200fd03e4ab934b5e
--- /dev/null
+++ b/chunks/json/3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":227201,"char_start":225199,"chunk_id":"chk_e624f1115617ab04","chunk_index":133,"chunk_sha256":"3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33","token_estimate":501,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"o\n\nIf state law mandates a different measurement standard, choose\nOther and enter the name of the standard.\n\nNote: When state law requires a standard other than ANSI, apply the standard\nto the appropriate finished and unfinished areas.\n\nImage(s)\n\nIf a sketch is provided, it is displayed with the caption “Sketch”. An additional\ncaption may be provided.\n\nImage(s)\n\nIf a floor plan is provided, it is displayed with the caption “Floor Plan”. An\nadditional caption may be provided.\n\nSee\niGuide\n\nSketch\n\nFloor Plan\n\nSee\niGuide\n\nEither a sketch or floor\nplan is required if\nSketch or Floor Plan\nProvided is Yes\n\nEither a sketch or floor\nplan is required if\nSketch or Floor Plan\nProvided is Yes\n\nSketch Commentary\n\nSketch Commentary\n\nReport\nField ID\n\n7.003\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSketch\nCommentary\n\nIf applicable\n\nFree-form\n\nDefinition / Additional Guidance\n\nAny required ANSI Declaration(s)\n\nProvide commentary pertinent to the sketch or floor plan, including:\n•\n• When state law or local jurisdiction requires a standard other than ANSI\n•\n\nReason(s) the sketch or floor plan was not provided\n\nAppendix F-1: URAR Reference Guide\n\nPage 91 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\n08 Dwelling Exterior\n\nThe Dwelling Exterior section provides information about the exterior of each dwelling, and mechanical system\ndetails. This includes style, construction method, and features (exterior walls and trim, foundation, roof and\nwindows). The section repeats for each dwelling on the property. The Dwelling Exterior section provides space\nfor additional commentary, exhibits, and any apparent defects, damages, or deficiencies related to the dwelling\nexterior or mechanical systems.\n• Conditionality of this section is limited to each structure that is identified as a dwelling.\n• Outbuilding information is captured in the Outbuilding section.\n• Some information displays for both dwellings and outbuildings. The “When to Include” column in this\n"}
diff --git a/chunks/json/329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb.json b/chunks/json/329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb.json
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index 0000000000000000000000000000000000000000..823d80078c4227714bed7bf170f617d0395ccfee
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+++ b/chunks/json/329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":373744,"char_start":372026,"chunk_id":"chk_17becea7a3e10b0a","chunk_index":300,"chunk_sha256":"329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 288\n\n• Exterior Quality (FID: 22.08.07)\n• Exterior Condition (FID: 22.08.14)\n•\nInterior Quality (FID: 22.09.08)\n•\nInterior Condition (FID: 22.09.15)\n• ADU Interior Quality (FID: 22.10.07)\n• ADU Interior Condition (FID: 22.10.14)\n\nA description must be provided using ImprovementComponentQualitySummaryDescription (UID Subject - 1800.0293; UID Comp - 1800.0146)\nfor each comparable and the subject.\n\nExterior Quality and Condition\n\nThe Exterior Quality and Condition subsection header displays when Homeowner Responsible for all Exterior Maintenance of Dwellings –\nHomeownerResponsibleForExteriorMaintenanceIndicator (UID: 0100.0046, FID: 3.016) = “true” for the subject property (ValuationUseType\n(UID: 0100.0043, FID: Not on report) = “Subject”).\n\nNote: Note: For properties with multiple dwellings, exterior quality and condition repeats for each\n\ndwelling and starts with the Structure ID row in bold text. (Figure 22 - 15)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 22 - 15\n\nPage 289\n\nThere are 13 defined rows in Exterior Quality and Condition.\n\n➢\n➢\n➢\n\n3 rows are conditionally required (If Applicable) – with the same conditionality as the Exterior Quality and Condition gray bar\n8 rows may be provided (If Relevant)\nAdditional rows may be added\n\nInterior Quality and Condition\n\nInterior Quality and Condition always displays and repeats in the sales comparison approach for each unit.\n\n• For a single-family, only one unit displays in the sales grid and Structure ID and Unit ID are not applicable.\n• For properties with multiple units, the interior quality and condition information repeats for each unit.\n• Accessory Dwelling Units (ADUs) are addressed separately in the following subsection.\n"}
diff --git a/chunks/json/32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d.json b/chunks/json/32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d.json
new file mode 100644
index 0000000000000000000000000000000000000000..34fb733febbd377e4884f882b67d27a8284f7327
--- /dev/null
+++ b/chunks/json/32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1142062,"char_start":1140455,"chunk_id":"chk_f438ab44dbc6e857","chunk_index":678,"chunk_sha256":"32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"2\n\n2\n\n5\n\n6\n\nNumeric\n\nNumeric\n\nNumeric\n\nString\n\nThis data is referenced more than once on the form for the subject property and must\nbe represented consistently\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Rooms Only.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Bedrooms Only.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Bathrooms Only.\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Gross Living Area Only.\nGross Living Area (GLA) must be reported in square feet.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the square footage in whole numbers only, no\ncommas. If there is no basement, a value of zero (0) must be entered.\n\n5\n\nNumeric\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345 maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 190 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n255\n\n2\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Finish Square\nFootage)\n"}
diff --git a/chunks/json/32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73.json b/chunks/json/32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73.json
new file mode 100644
index 0000000000000000000000000000000000000000..615ebc5bc2fa39bdfed6421bce1cd7fc4ff41057
--- /dev/null
+++ b/chunks/json/32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":333844,"char_start":332166,"chunk_id":"chk_5c8b12115fc89a5a","chunk_index":197,"chunk_sha256":"32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"designed.\nNote: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,\nDamages, and Deficiencies (Unit Interior) subsection.\n\nAppendix F-1: URAR Reference Guide\n\nPage 139 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nFlooring Condition Status (Choose one for each Flooring Type)\n\nDefinition / Additional Guidance\n\nThe flooring is missing its final finish.\nNote: When Flooring Type is Subflooring Only, select this answer and indicate the location of the missing flooring in\nCondition Comment (10.048).\n\nAllowable Answer\n\nNo Finish\n\nWalls and Ceiling\n\nThe appraiser must provide information about the walls and ceilings in the unit. The Walls and Ceiling row\nalways displays in the Interior Features table. The information in this row applies to all walls and ceilings in the\nunit.\n\nUnit Interior - Interior Features: Walls and Ceiling\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.044\n\nFeature\n\nAlways required\n\n10.045 Detail\n\nAlways required\n\n10.045 Detail\n\nAlways required\n\nAllowable\nAnswers / Format\n\nReference the\nDefinition /\nAdditional\nGuidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nChoose one or\nmore allowable\nanswers from\ntable (Ceiling\nStyle)\n\nDefinition / Additional Guidance\n\nInterior Feature\n• Walls and Ceiling\n\nNote: Photo(s) of the walls and ceiling may be provided, which display in Unit\nInterior Exhibits, with the caption “Walls and Ceiling”. An additional caption\nmay be provided to further identify the photo.\n\nCeiling Height(s): The approximate ceiling height(s) in the unit, rounded to the\nnearest foot.\n•\n•\n•\n•\n•\n•\n"}
diff --git a/chunks/json/32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7.json b/chunks/json/32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7.json
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index 0000000000000000000000000000000000000000..cb4182b49552728d2382ab4ac1fd3167b7b10185
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+++ b/chunks/json/32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":261861,"char_start":260172,"chunk_id":"chk_c739a615ba37d3ca","chunk_index":149,"chunk_sha256":"32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 55. XML File Container Structure for Loan Identification Data.\n\nUCD UIDs\n\n999.234\n\nContainers\n\nLOAN_IDENTIFIERS\n\n999.235\n\nLOAN_IDENTIFIER\n\n999.236\n\nLOAN_IDENTIFIER\n\nUCD Usage Notes\n\nGroups one or more pairs of identifier type and value data\npoints.\n\nOne instance of LOAN_IDENTIFIER is always required with\nLoanIdentifierType = “LenderLoan”\n\nUp to 3 additional instances of LOAN_IDENTIFIER may be\nprovided as applicable.\n\nSome data points ending in the term “Identifier” must be paired with an additional data point to identify what the number\nstands for. The data point ending in “Identifier” provides the identifier value, and an associated data point ending in\n“IdentifierType” indicates what the number is. For example, on the CD, Loan ID # is provided using LoanIdentifierType =\n“LenderLoan” to describe the identifier, and LoanIdentifier to provide the loan number.\n\nFigure 91. Rendering Loan Identification Data on the CD.\n\n3.0 Loan Information\n\n3.5 Loan ID # 123456789\n\nThe three other loan numbers that should be provided in the XML file if applicable are:\n\n1. LoanIdentifierType = “MERS_MIN” if the loan has been registered with the Mortgage Electronic Registry System (MERS).\n\n2. LoanIdentifierType = “AgencyCase” if the MortgageType = “FHA”, “USDA,” or “VA”.\n\n3. LoanIdentifierType = “Other” plus LoanIdentifierTypeOtherDescription = “UniversalLoan” if a universal loan ID exists.\n\nTable 56. UCD v2.0 Spec Excerpt - Loan Identifiers-Conventional Loan Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/L\nOAN_IDENTIFIERS/LOAN_IDENTIFIER\n"}
diff --git a/chunks/json/32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14.json b/chunks/json/32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14.json
new file mode 100644
index 0000000000000000000000000000000000000000..4755b633010371bc19cf84b989b37ea8dcee7454
--- /dev/null
+++ b/chunks/json/32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":182695,"char_start":181012,"chunk_id":"chk_d1f922c679d0462d","chunk_index":106,"chunk_sha256":"32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nOne and only one of fields 1-220, 1-221\n(Property Analysis Type = 'PhysicalDeficiency'\nand values of Property Analysis Exists\nIndicator) should be indicated.\n\nOne and only one of fields 1-220, 1-221\n(Property Analysis Type = 'PhysicalDeficiency'\nand values of Property Analysis Exists\nIndicator) should be indicated.\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by\nProperty Analysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='PhysicalDeficie\nncy']/@_Comment\n\n4000\n\nString\n\nThis field should contain a description of physical deficiencies or adverse\nconditions that affect the livability, soundness, or structural integrity of the\nproperty.\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nThis field should be populated if field 1-220\n(Property Analysis Type = 'PhysicalDeficiency'\nand Property Analysis Exists Indicator = 'Y')\nis indicated.\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='ConformsToNei\nghborhood' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='ConformsToNei\nghborhood' and @_ExistsIndicator='N']\n"}
diff --git a/chunks/json/32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971.json b/chunks/json/32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971.json
new file mode 100644
index 0000000000000000000000000000000000000000..dfee74d0cf0f122cd3d4b0d24d1408bf1cf98a62
--- /dev/null
+++ b/chunks/json/32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":790902,"char_start":789304,"chunk_id":"chk_bcad253d0be79e66","chunk_index":471,"chunk_sha256":"32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Vehicle\nStorage\n\nSales Comparison\nExample (Comp #1)\n\n1\n\nDetached garage – vehicle\nstorage only\n•\n\nGarage is heated.\n\n2\n\n3\n\n4\n\nDetached garage with\nadditional separate area (no\nADU)\n•\n•\n\nHas dividing wall.\nGarage is heated.\n\nDetached garage with ADU\n(no additional separate area)\n•\nHas dividing wall.\n•\nGarage is not heated.\n•\nADU has heat and air\nconditioning.\n\nWorkshop with ADU and\nvehicle storage\n•\nHas dividing walls.\n• Workshop and garage\nare not heated.\nADU has heat and air\nconditioning.\n\n•\n\n5\n\nOversized detached garage\n(no dividing wall)\n\nWorkshop/\nGarage\n\nADU/Garage\n\nFor the\nADU\n\nADU/\nWorkshop/\nGarage\n\nFor the\nADU\n\n√\n\n√\n\n√\n\n√\n\n√\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n•\n\n•\n\n•\n•\n\n•\n\n•\n\nHeated detached\ngarage with half bath\nAdditional\noutbuilding:\nGreenhouse\n\nDetached garage\nwith additional\nunfinished area\n(outbuilding:\nShed/Garage)\nGarage is not heated.\n\nHeated detached\ngarage with no\nadditional separate\narea\nNo outbuildings\nBelow grade ADU in\nprimary dwelling\n\nHeated detached\ngarage with no\nadditional separate\narea\nNo outbuildings\nBelow grade ADU in\nprimary dwelling\n\nDetached garage\nwith no extra area\nNo outbuildings\n\nRelevant Sales\nComparison\nApproach\nSubsections\n\nCost\nApproach\nSubsection for\nDetached\nGarage\n\nVehicle Storage\nOutbuilding\n\nAs Is Value of\nSite\nImprovements\n\nVehicle Storage\nOutbuilding\n\nDepreciated\nCost -\nOutbuilding\n\nUnit(s) for the\nADU\nVehicle Storage\n\nDepreciated\nCost -\nOutbuilding\n\nUnit(s) for the\nADU\nVehicle Storage\nOutbuilding\n\nDepreciated\nCost –\nOutbuilding\n\n•\n•\n\n•\n•\n\n•\n\n•\n\n•\n\n•\n•\n\n•\n\nVehicle Storage\n\nAs Is Value of\nSite\nImprovements\n\nAppendix F-1: URAR Reference Guide\n"}
diff --git a/chunks/json/32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c.json b/chunks/json/32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c.json
new file mode 100644
index 0000000000000000000000000000000000000000..58cbccb98f8651f635e6332ebdd8ad680ed9b371
--- /dev/null
+++ b/chunks/json/32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5256,"char_start":3622,"chunk_id":"chk_1a2b26852a2ac153","chunk_index":2,"chunk_sha256":"32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e1ff914957902b96","text_sha256":"32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-54-release-notes-april-19-2022.pdf"]},"text":"CU has identified market reaction\nto Basement & Finished Rooms\nBelow Grade that may differ from\nthe adjustment rates used by the\nappraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\nreaction to these attributes. See\nthe CU Adjustments tab for\ndetails.\n\n1043\n\n1042\n\n1033\n\n1034\n\n1023\n\n1022\n\n1013\n\n1014\n\nthose relied on by the appraiser. Ensure that\nthe appraiser has relied on comparables with a\nsimilar geographical location. See the CU\nComparables tab for details.\n\nCU has identified comparable sales that may\nbe more similar in property features than\nthose relied on by the appraiser. Ensure that\nthe appraiser has relied on comparables with\nsimilar property features. See the CU\nComparables tab for details.\n\nCU has identified comparable sales that may\nbe more similar to the subject than those\nrelied on by the appraiser. Ensure that the\nappraiser has relied on comparables that are\nthe best and most appropriate for the\nassignment. See the CU Comparables tab for\ndetails.\n\nCU has identified market reaction to Above\nGrade Room Count & Gross Living Area that\nmay differ from the adjustment rates used by\nthe appraiser. Ensure that the appraiser has\nmade adjustments accurately reflecting\nmarket reaction to these attributes. See the\nCU Adjustments tab for details.\n\nCU has identified market reaction to Basement\n& Finished Rooms Below Grade that may differ\nfrom the adjustment rates used by the\nappraiser. Ensure that the appraiser has made\nadjustments accurately reflecting market\nreaction to these attributes. See the CU\nAdjustments tab for details.\n\n© 2022 Fannie Mae April 20, 2022 Page 2 of 4\n"}
diff --git a/chunks/json/32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69.json b/chunks/json/32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69.json
new file mode 100644
index 0000000000000000000000000000000000000000..814634567a4a18dbd11d09bc166c4b1873782cc6
--- /dev/null
+++ b/chunks/json/32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":896308,"char_start":894656,"chunk_id":"chk_a68b1833c3051b28","chunk_index":532,"chunk_sha256":"32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Numeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished bathrooms in the basement.\n\nNumeric\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nn.n\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of other finished rooms in the basement.\n\nNumeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis is a free text field which should describe the functional utility.\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis is a free text field which must describe any energy efficient items.\nIf none, the appraiser must indicate 'None'.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nThis field is required if the value of field e-\n19 (GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nThis field is required if the value of field e-\n19 (GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nThis field is required if the value of field e-\n19 (GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n"}
diff --git a/chunks/json/32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529.json b/chunks/json/32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529.json
new file mode 100644
index 0000000000000000000000000000000000000000..f71ff66df57d675701baaed9c6fe3be51525ae80
--- /dev/null
+++ b/chunks/json/32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28873,"char_start":27171,"chunk_id":"chk_bfa49ddc3a9d9ce2","chunk_index":16,"chunk_sha256":"32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529","token_estimate":426,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"11\n\n9\n\nincome_annual\n\nBorrower’s (or\nBorrowers’) Annual\nIncome\n\n999999999 = Not available\n\nThe ratio of the 2020 Census tract median\nincome to the local area median income. This\nis the ratio used to determine whether the\ncensus tract qualifies as a low-income area for\npurposes of the single-family low-income\nareas housing goal. See definition of Families\nin low-income areas in 12 CFR 1282.1.\n\nFor mortgages originated prior to the year of\nacquisition by an Enterprise, the borrower’s\n(or borrowers’) annual income, which is\nreported to FHFA by the Enterprises as an\norigination year value, was inflated by FHFA to\nan acquisition year value using the ratio of the\narea median family income estimates (see\nfield #12) for the acquisition year and\norigination year for the MSA or county. Values\nare rounded to the nearest $1,000. The\nmissing indicator has been expanded to 9\ndigits beginning with the 2018 PUDB.\n\nSF CTF\n\n21\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n6\n\n12\n\nami_hud\n\nArea Median Family\nIncome (2024)\n\n999999 = Not available\n\nFor properties in MSAs, the MSA median family\nincome, and for properties outside MSAs, the\ncounty median family income or the State non-\nmetropolitan median income, whichever is\ngreater, for the reporting year (i.e. , the year of\nmortgage acquisition by the Enterprise). It is\nbased on HUD’s median family income\nestimates as established annually for use in\ndetermining eligibility for various assisted\nhousing programs. The values for this field are\nsupplied by FHFA.\n"}
diff --git a/chunks/json/32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab.json b/chunks/json/32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab.json
new file mode 100644
index 0000000000000000000000000000000000000000..43b8c260f8dfa127b74f4e2760219870a3d44e32
--- /dev/null
+++ b/chunks/json/32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1675,"char_start":0,"chunk_id":"chk_d6d9e09be7caae3c","chunk_index":0,"chunk_sha256":"32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"Loan Delivery Enhancements\nQuick Guide for Loan Delivery Enhancements\n\nThis Loan Delivery Enhancements guide provides access to Loan Delivery updates from 2023 in an easy-to-read format all in one document.\n\nLooking for business rules updates? Review the LD Edit Change Effective Date column on the Edits_LD tab in the Business Rules Dictionary for business rule updates.\n\nDecember 31, 2023\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted Area Description\n\nJan. 1, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\nEdits related to Closing Data changing to fatal severity.\n\nJan. 20, 2023\n\n2023 Quality Mortgage\n(QM) Edits\n\nLoan Delivery edits related to loan eligibility APR-APOR thresholds and points and fees requirements were updated to\nreflect the 2023 allowable loan amounts and values, per the Consumer Finance Protection Bureau (CFPB). Review the\nupdated Loan Delivery Information for Quality Mortgage job aid for additional information.\n\nJan. 23, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• New warning edits related to Area Median Income (AMI), Appraisal Waiver, Closing Cost, and Down Payment.\n• Edits related to AMI, Closing Data, Eligibility, Mortgage Insurance (MI), Pool Prefix, Pool, Property Data, Unpaid\n\nPrincipal Balance (UPB), and Recast changing from warning to fatal severity.\n\nFeb. 20, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n"}
diff --git a/chunks/json/32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d.json b/chunks/json/32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d.json
new file mode 100644
index 0000000000000000000000000000000000000000..bbcba4dc49b12b957cffa47397b7c7f13a72c2ee
--- /dev/null
+++ b/chunks/json/32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3720,"char_start":1998,"chunk_id":"chk_8fcd12fcf6030ec4","chunk_index":1,"chunk_sha256":"32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9527361ec65b3f48","text_sha256":"32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display (1).pdf"]},"text":"NOTE: Edit 3421 encompasses both 3419 and 3420 and will remain as part of the UCD Phase 2 Critical Edits.\n\n© 2021 Fannie Mae\n\nDecember 2021 Page 1 of 3\n\nEffective\nDate\n\nImpacted Area Description\n\nWarning-to-Fatal Edit 3421: When Loan Purpose Type is equal to Purchase, and Loan Closing Adjustment Item Section\nType of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is provided, and Loan Closing Adjustment Item SubSection Type is\nequal to OtherCredits, and the Loan Closing Adjustment Item Amount is provided, the Closing Adjustment Item Paid By\nIndividual Full Name Or Closing Adjustment Item Paid By Legal Entity Full Name are required.\n\nNovember 2,\n2021\n\nUCD Critical Edit Phase\n2 – 4 Timeline\n\nFannie Mae and Freddie Mac (the GSEs) published an updated timeline announcing new launch dates for the Uniform\nClosing Dataset (UCD) critical edits transition phases 2-4:\n\nSeptember 17,\n2021\n\nUCD Phase 1 Edits\n\n• Phase 2: March 31, 2022\n• Phase 3: September 30, 2022\n• Phase 4: March 31, 2023\n\nThe following UCD edits recently transitioned to a fatal severity on July 31, 2021, in the UCD Collection Solution, as part of\nthe UCD Phase 1 critical edit transition implementation. In addition to the Phase 1 transition, the data points in these edits\nare required as part of the Qualified Mortgage (QM) revised rule and a valid value must be provided.\n\nTo comply with the GSE’s QM revised rule the following edits have been updated to not allow a value of zero (0.00):\n\n• Fatal Edit 3027: Average Prime Offer Rate Percent is required. Data must be numeric up to 3 digits, with up to 4 decimal\nplaces.\n• Fatal Edit 3029: Regulation Z Total Loan Amount is required. Data must be numeric up to 9 digits, with up to 2 decimal\nplaces.\n"}
diff --git a/chunks/json/32e50c5653e8c01ed721d129245ac8180107d1d7e0cf4fd208b677890082be1b.json b/chunks/json/32e50c5653e8c01ed721d129245ac8180107d1d7e0cf4fd208b677890082be1b.json
new file mode 100644
index 0000000000000000000000000000000000000000..96700df0972c297fcecba5e36e3494a5716d08c0
--- /dev/null
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diff --git a/chunks/json/330764de09fd68fae9867da212990fd69a9cbb7e6806855562553362764c426c.json b/chunks/json/330764de09fd68fae9867da212990fd69a9cbb7e6806855562553362764c426c.json
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diff --git a/chunks/json/332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0.json b/chunks/json/332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0.json
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+++ b/chunks/json/332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0.json
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+{"chunk":{"char_end":22526,"char_start":20723,"chunk_id":"chk_0556161a1fa6cba9","chunk_index":11,"chunk_sha256":"332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0","token_estimate":539,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Test Cases\n\n- [UCD Integration Test Cases](/media/document/zip/appendix-g-ucd-sample-xml-files-zip)\n- [UCD Test Environment](/external-resource/ucd-test-environment)\n- [UCD Collection Solution Test Environment Overview](/media/document/pdf/ucd-cs-test-environment-overview)\n\n##### Frequently Asked Questions\n\n- [UCD](/delivering/uniform-mortgage-data-program/uniform-closing-dataset/faqs-uniform-closing-dataset)\n - [UCD Collection Solution](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution/faqs-ucd-collection-solution)\n\n##### UCD Technology Service Providers List\n\n- [UCD Technology Service Providers List](/integrated-vendor-list)\n\n##### UCD Specification\n\n**Version 2.0 Spec**\n\n- [UCD v2.0 Specification](https://singlefamily.fanniemae.com/media/document/xlsx/ucd-v20-specification) **(Updated Dec. 15)**\n- [UCD v2.0 Quick Start Guide](https://singlefamily.fanniemae.com/media/document/pdf/ucd-v20-quick-start-guide)**(Updated Dec. 15)**\n- [UCD v2.0 Production Schema](/media/document/zip/ucd-v20-production-schema)\n- [UCD v2.0 Readiness Checklist – Lenders](/media/document/pdf/ucd-v20-readiness-checklist-lenders)\n- [UCD v2.0 Readiness Checklist – Direct Integrators](/media/document/pdf/ucd-readiness-checklist-direct-integrators)\n- [UCD v2.0 Implementation Guide](/media/document/pdf/ucd-v20-implementation-guide)\n- [UCD v2.0 Critical Edits Matrix](/media/document/xlsx/ucd-v20-critical-edits-matrix) **(Updated Dec. 15)**\n- [UCD v2.0 Sample CDs](/media/document/zip/ucd-v20-sample-cds)\n- [UCD v2.0 Sample XML Files](/media/document/zip/ucd-v20-sample-xml-files)\n- [UCD v2.0 Development Subschema](/media/document/zip/ucd-v20-development-subschema)\n- [Numbered Closing Disclosure](/media/document/pdf/ucd-numbered-closing-disclosure)\n**Version 1.5 Spec**\n"}
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+{"chunk":{"char_end":4965,"char_start":3330,"chunk_id":"chk_14d444479f6505e2","chunk_index":2,"chunk_sha256":"3333610b94e0d57630c5073424f1abdc6f757c5ae28c510c80634297cf055ff8","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e92a533ee2f09e32","text_sha256":"3333610b94e0d57630c5073424f1abdc6f757c5ae28c510c80634297cf055ff8","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-ucd-release-notes.pdf"]},"text":"September 9\n\nUCD Phase 3B\nEdit Updates\n\nThe six edits below limiting Fee Type enumerations in certain Sections will be postponed from the Nov. 6 Phase 3B critical edits\nphase. On Sept. 9, these edits will be downgraded from “warning-to-fatal” to “warning” severity in Fannie Mae’s UCD\nCollection Solution and in the UCD Fannie Mae Connect reporting. These changes are intended to provide relief to customers\nwho are experiencing high failure rates for edits validating fees delivered in certain sections.\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\nEdit 3527: A Fee Type provided in the Services Borrower Did Not Shop For section may not be a valid enumeration per\nthat Integrated Disclosure Section Type.\nEdit 3528: A Fee Type provided in the Services Borrower Did Shop For may not be a valid enumeration per that Integrated\nDisclosure Section Type.\nEdit 3591: A Fee Type provided in the Other Costs section may not be a valid enumeration per that Integrated Disclosure\nSection Type.\nEdit 3606: Fee Types of 'RecordingFeeForDeed' and 'RecordingFeeForMortgage' are expected enumerations only in the\nTaxes and Other Government Fees section.\nEdit 3607: The Integrated Disclosure Section Type should be equal to Taxes and Other Government Fees when the Fee\nType is equal to 'RecordingFeeTotal'.\nEdit 3609: The submission should not have more than one occurrence of a Fee Type equal to 'RecordingFeeTotal'. Please\nverify the data and resubmit.\n\nAll other Phase 3B critical edits will transition to critical/fatal as planned on Nov. 6, 2023.\n\nSee the Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3B edits. Please reference the\n"}
diff --git a/chunks/json/33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8.json b/chunks/json/33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8.json
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index 0000000000000000000000000000000000000000..aad755fe39734e628e095ee18a44f488376a5ab1
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+++ b/chunks/json/33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8.json
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+{"chunk":{"char_end":31023,"char_start":29281,"chunk_id":"chk_9be0ca820ee7e8ec","chunk_index":14,"chunk_sha256":"33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8","token_estimate":436,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"A. The V30_B263-12_LDDReport\n\nV30_B263-12_LDDReport7 (Data Points Worksheet) is the primary LDD worksheet\ncontaining the alphabetical list of each of the data points (Simple Type XML elements)\nused in the V3.0 Reference Model. It can be used to answer the following questions about\nMISMO data points:\n\nFigure III-1. Questions Answered by the Data Points Worksheet.\n\n\n\nIs there a MISMO data point that maps to a data element in a business\nsystem, form, or requirement?\n\n What data points are available in a given category (for example, Property)?\n\n What is the correct spelling or definition of a data point?\n\n What are the valid values for an enumerated data point?\n\n Where in the Reference Model is a data point used?\n\n Is it used more than once?\n\nThe following sections describe each column in the Data Points Worksheet and explain\nwhat information they provide and how they are used.\n\n1. Data Point\n\nA “data point” is the term name determined by the submitting MISMO Workgroup for\napproval by the MISMO Core Data Structures Workgroup. The term name must\ncomply with MISMO naming conventions and end with a MISMO Class Word to\n\n4 Microsoft is a Registered Trademark of the Microsoft Corporation. Excel is a copyrighted product of the Microsoft\nCorporation.\n5 The ULDDS does not use arc roles.\n6 Note that MISMO has released an errata to Version 3.0, V30_B263-14_LDDReport.xls; however, please be sure to\nuse V30_B263-12_LDDReport.xls on the MISMO.org Web site for ULDDS.\n7 The MISMO Engineering Guideline (MEG) governing the form and content of the LDD, MEG_0016_v_1_1.pdf\n(Logical Data Dictionary Content & New Term Submission) can be found on the MISMO Web site at\nhttp://www.mismo.org/specs/v30-candidate-recommendation.html.\n"}
diff --git a/chunks/json/333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65.json b/chunks/json/333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65.json
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index 0000000000000000000000000000000000000000..2f671ab81a1641e8cff9ff9cc828e7eb5819b721
--- /dev/null
+++ b/chunks/json/333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":261018,"char_start":259251,"chunk_id":"chk_a458ea50fa517de5","chunk_index":153,"chunk_sha256":"333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65","token_estimate":442,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dwelling Exterior: Quality and Condition - Exterior Features - Other Feature\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n8.041\n\nFeature\n\nIf applicable (Exterior\nFeature is Other)\n\nFree-form\n\n8.042\n\nDetail\n\nIf Exterior Feature is\nOther\n\nFree-form\n\nDefinition / Additional Guidance\n\nExterior Feature Other Description\nSelect Other (Describe) to enter an answer that is not in the Exterior Features\nlist. Example: Ornamentation\n\nOther Exterior Feature Description: A brief description of the other feature.\nExample: Concrete cornices and frieze\nNote: For further expansion of commentary, use Dwelling Exterior Commentary\n(8.061).\n\nAppendix F-1: URAR Reference Guide\n\nPage 108 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior: Quality and Condition - Exterior Features - Other Feature\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.044\n\nCondition Status\n\nIf Exterior Feature is\nOther\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Exterior Feature\nCondition Status)\n\nDefinition / Additional Guidance\n\nOther Exterior Feature Condition Status: The condition status of the other\nexterior feature.\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNotes:\n•\n\nIf there are varying condition statuses for the other exterior feature,\nchoose the one that best explains the Exterior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Dwelling Exterior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Dwelling Exterior) subsection.\n"}
diff --git a/chunks/json/3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939.json b/chunks/json/3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939.json
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+++ b/chunks/json/3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939.json
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+{"chunk":{"char_end":18958,"char_start":17590,"chunk_id":"chk_75f5a39726a3a7f5","chunk_index":11,"chunk_sha256":"3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"---\n\n## **October 2022**\n\n## **Publi​c Listening Session: Financial Technology in Housing Finance**\n\nDate: 10/6/2022\n\nTime: 2:30 - 5:20 PM\n\nLocation: Online Event​​\n\n[Agenda, Transcript, and Video](/programs/fintech)\n\n​Click [here](/programs/fintech) to download and view a copy of the Fintech Privacy Act Statement.\n\n---\n\n## **September/October 2022**\n\n## [**Public Listening Session: FHLBank System at 100**](/programs/fhlbank-system-at-100-focusing-on-the-future)**​**\n\nDate: 9/29/2022, 9/30/2022, and 10/4/2022\n\nTime: 12:30 - 4:00 PM\n\nLocation: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219​\n\nDay one of the Listening Session was available in-person and virtual. Days two and three were virtual only.​\n\n​[Day 1 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-1)​\n\n​[Day 2 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-2)​\n\n​[Day 3 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-3)​\n\n---\n\n## **July 2022**\n\n## **2022 Duty to Serve Public Listenin​g Sessions**\n\nDate: 7/11/2022 - 7/13/2022\n\n[Affordable Housing Agenda, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-affordable-housing-preservation)\n"}
diff --git a/chunks/json/33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230.json b/chunks/json/33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230.json
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--- /dev/null
+++ b/chunks/json/33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230.json
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+{"chunk":{"char_end":206673,"char_start":204880,"chunk_id":"chk_d448a23dd10be871","chunk_index":120,"chunk_sha256":"33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230","token_estimate":449,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"266\n\n2\n\n28\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount\nTotal\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/R\nOOM_ADJUSTMENT/@TotalRoomCount\n\n267\n\n2\n\n29\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount\nBdrms.\n\nTotal Bedroom Count\n\nSpecifies the total number of\nbedrooms.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/R\nOOM_ADJUSTMENT/@TotalBedroomCount\n\n268\n\n2\n\n30\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount\nBaths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of\nbathrooms.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/R\nOOM_ADJUSTMENT/@TotalBathroomCount\n\n269\n\n2\n\n31\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount\nGross Living Area sq. ft.\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/S\nALE_PRICE_ADJUSTMENT[@_Type='Gross\nLivingArea']/@_Description\n\n270\n\n2\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\n(Basement Area)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n\nThe total area of property\nimprovements below grade.\n\nBasement & Finished\n(line 1)\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeTotalSquareFeetNum\nber\n"}
diff --git a/chunks/json/334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168.json b/chunks/json/334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168.json
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index 0000000000000000000000000000000000000000..c1abd743663579ef804ee6e1c865a7231cee7319
--- /dev/null
+++ b/chunks/json/334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1027389,"char_start":1025728,"chunk_id":"chk_6079547fd4592257","chunk_index":612,"chunk_sha256":"334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Seller Is Owner\nIndicator\n\nIndicates that the seller is the owner of\nthe property.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIs\nOwnerIndicator=‘Y’]\n\nCONTRACT\n\nIs the property seller the owner\nof public record?\nNo\n\nSeller Is Owner\nIndicator\n\nIndicates that the seller is the owner of\nthe property.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIs\nOwnerIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nCONTRACT\n\nContract\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@DataSo\nurceDescription\n\n25\n\nString\n\n49\n\nCONTRACT\n\nIs there any financial assistance\n(loan charges, sale concessions,\ngift or down payment assistance,\netc.) to be paid by any party on\nbehalf of the borrower? Yes\n\nSales Concession\nIndicator\n\nIndicates that someone made concessions\nfor the current sales contract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesC\noncessionIndicator=‘Y’]\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 174 of 211\n\nDocument Version 1.4\n\nAllowable Values PDF Display\n Comp Grid Page 1\nREOSale REO REO sale\nShortSale Short Short sale\nCourtOrderedSale CrtOrd Court ordered sale\nEstateSale Estate Estate sale\nRelocationSale Relo Relocation sale\nNonArmsLengthSale NonArm Non-arms length sale\nArmsLengthSale ArmLth Arms length sale\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Contract Section\n"}
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+++ b/chunks/json/3354837d18644c4260d500c0bc99ebe5ae36fc51f58baf69151588fef14b6b99.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4918,"char_start":1494,"chunk_id":"chk_1c6c44bbab3e9b47","chunk_index":1,"chunk_sha256":"3354837d18644c4260d500c0bc99ebe5ae36fc51f58baf69151588fef14b6b99","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"3354837d18644c4260d500c0bc99ebe5ae36fc51f58baf69151588fef14b6b99","token_estimate":2592,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Document Version and Revision History .................................................................................. 4\nIntroduction and Purpose................................................................................................. 5\n1.\nImplementation Guide Overview ...................................................................................... 5\n2.\nIntroduction to MISMO Version 3.0 .................................................................................. 6\n3.\nTechnical Overview ......................................................................................................... 7\n4.\n4.1. Appendix A: Fannie Mae XML Data Requirements (PDF version) ..................................... 8\n4.2. Appendix B: Fannie Mae Usage Scenarios ...................................................................... 8\n4.3. Appendix C: Fannie Mae XML Samples ........................................................................... 8\n4.4. Appendix D: Fannie Mae XML Data Reference (Excel version)......................................... 8\n5. Creating an XML File ..................................................................................................... 11\n5.1. XML Container Hierarchy............................................................................................... 12\n5.2. XML Container Description ............................................................................................ 13\n5.3. Loan Container Repeatability ......................................................................................... 15\nLoan Role........................................................................................................... 15\n5.3.1.\n5.3.2.\nLoan State .......................................................................................................... 15\n5.4. XLink 20\n5.5. Uniform Resource Identifier (URI) .................................................................................. 16\n5.6. UTF-8 Support .............................................................................................................. 17\n5.7. MISMO Version 3.0 Reference Model ............................................................................ 17\n5.8. Managing Loan Delivery XML File Imports ..................................................................... 17\n5.9. Special Characters ........................................................................................................ 18\n5.10. Data Format Types ........................................................................................................ 18\n5.11. Address Format Consideration....................................................................................... 19\n5.12. Supporting Extensions in MISMO Version 3.0 Reference Model ..................................... 19\nActions Taken by the GSEs ................................................................................ 19\n5.12.1.\nHow to invoke the ULDD extension ..................................................................... 20\n5.12.2.\nDeclaring Data Points from Extended Containers ................................................ 21\n5.12.3.\n5.12.4.\nUniversal Loan Identifier (ULI)............................................................................. 21\n6. Additional Resources..................................................................................................... 22\n"}
diff --git a/chunks/json/3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17.json b/chunks/json/3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17.json
new file mode 100644
index 0000000000000000000000000000000000000000..84b49aa67728e3e3f2f53c9d8697579b9fd5b815
--- /dev/null
+++ b/chunks/json/3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39845,"char_start":39083,"chunk_id":"chk_7f491bf809c1444e","chunk_index":42,"chunk_sha256":"3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17","token_estimate":426,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Appraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:38)(cid:65)(cid:78)(cid:78)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:69)(cid:0)(cid:92)(cid:0)(cid:38)(cid:82)(cid:69)(cid:68)(cid:68)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:67)(cid:0)\n(cid:51)(cid:69)(cid:80)(cid:84)(cid:69)(cid:77)(cid:66)(cid:69)(cid:82)(cid:0)(cid:18)(cid:16)(cid:18)(cid:20)(cid:0)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"}
diff --git a/chunks/json/337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a.json b/chunks/json/337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a.json
new file mode 100644
index 0000000000000000000000000000000000000000..d598ec2fee2f89ce998101f841a9545e346d756d
--- /dev/null
+++ b/chunks/json/337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17132,"char_start":15484,"chunk_id":"chk_ba0188bbb020bbfc","chunk_index":9,"chunk_sha256":"337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"Jun 27, 2024\n\nLoan Delivery Test\nEnvironment\n\nEffective June 27, 2024, the Loan Delivery Test Environment, will extend its scheduled maintenance period each week due\nto ongoing maintenance. The downtime will be from 11 a.m. to 8 p.m. ET Thursday and 5 p.m. ET Saturday to 8 a.m. ET\nSunday each week.\n\nJul 22, 2024\n\nULDD Phase 5\n\nTo support the second implementation of ULDD Phase 5, Loan Delivery will introduce\n\n2nd Implementation\n\n• User Interface (UI) changes to the Loan Details page\n\no Project information section: CPM Certification ID and CPM Phase ID\no Appraisal information section: Construction Method\no\nIndicators section: Remote Notarization Yes/No\no General Loan Information section: MERS Status\n\n•\n\nEdit updates\n\no New informational edits around Appraisal, Condo Project Manager (CPM), Remote Notarization Indicator, and\n\nMERS status. (Note: These edits are not displayed on the UI. Informational edits can be viewed on the “Edits\nCSV” export. Download the “Edit History CSV” export in Loan Delivery to view the edits)\n\n•\n\nFile Validation Rule updates\n\no Update file validation rule WN3760 to fire when new ULDD Phase 5 datapoints are submitted prior to\n\nimplementation date. See the ULDD Phase 5 Specification Release Notes for details on implementation\ntimelines.\n\no New file validation rule, WN3800, to ensure data integrity around Condo Project Manager certification identifier\n\nand phase identifier\n\nSee the Loan Delivery Business Rules for a listing of edits, users can filter on the Sub-category (Column J) and search ULDD\nPh. 5. These edits will be available in the Loan Delivery Test Environment to accommodate lender testing.\n"}
diff --git a/chunks/json/338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225.json b/chunks/json/338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225.json
new file mode 100644
index 0000000000000000000000000000000000000000..d2be1a8e3acbe501c30b755fffe7ada8c9dd8489
--- /dev/null
+++ b/chunks/json/338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24566,"char_start":22954,"chunk_id":"chk_743f08e7376feb06","chunk_index":12,"chunk_sha256":"338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225","token_estimate":403,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"IV. Discussion of Revisions to PUDB\nMatrices\n\nTo implement the HERA amendments\n\nto sections 1323 and 1326 of the Safety\nand Soundness Act, FHFA has adopted\nan Order that revises the PUDB matrices\nto incorporate the HMDA data elements\nas applicable and requires the\nEnterprises to submit data in accordance\nwith the revised matrices. The Order\nalso makes a number of technical\nrevisions to existing data fields in the\nPUDB matrices to conform the data\nfields to long-standing PUDB data\nreporting practice, to provide greater\nclarity, or to conform to the new\nstatutory requirements. The revised\nmatrices are included in an Appendix to\nthe Order. Both the Order and Appendix\nare set forth at the end of this Notice of\nOrder. Single-family and multifamily\nPUDB Data Dictionaries that further\ndescribe the data fields will be made\navailable on FHFA’s public Web site at\nhttp://www.fhfa.gov/\nDefault.aspx?Page=137.\n\nFHFA’s changes to the single-family\n\nand multifamily matrices are further\ndescribed below.\n\nA. Expanded Values or Changed\nDescriptions\n\nTo conform to HMDA reporting\n\nrequirements, FHFA has expanded the\nvalues (or codes) or changed the\ndescriptions of certain data fields in the\nPUDB matrices, as further discussed\nbelow.\n\n1. Single-family and Multifamily Data\nField 0: Enterprise Flag\n\nThis data field designates whether the\nmortgage was purchased by Fannie Mae\nor Freddie Mac. FHFA has changed the\nname of this data field from ‘‘agency\nflag’’ to ‘‘Enterprise flag’’ to avoid\nconfusing this data field with HMDA’s\n‘‘agency code’’ data field (which is the\n\noriginating lender’s regulatory agency\ncode).\n"}
diff --git a/chunks/json/33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8.json b/chunks/json/33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8.json
new file mode 100644
index 0000000000000000000000000000000000000000..850e342c8a581a2a6bcb8b77dfc25fd9a591526d
--- /dev/null
+++ b/chunks/json/33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1162580,"char_start":1160731,"chunk_id":"chk_24cd063dfb6e768e","chunk_index":690,"chunk_sha256":"33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8","token_estimate":463,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"*Does not apply to subject property.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nR\n\nR\n\nT\n\nR\n\nThe sum of this field 2-53 and fields (2-55, 2-\n57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nCR\n\nIf the value of field e-29 is 'SettledSale', this\nfield is required.\n\nCR\n\n284\n\n2\n\ne-26\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing Type\n\nThe type of financing associated with the\ncomparable transaction.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEFinancingType\n\n12\n\nEnumerated\n\nAllowable Values PDF Display\nFHA FHA\nVA VA\nConventional Conv\nCash Cash\nSeller Seller\nRuralHousing RH\nOther *\n\n*See field e-27 directly below.\n\n285\n\n2\n\ne-27\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing Type\nOther Description\n\nText entry for financing type if 'Other' is\nselected.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON DETAIL/@GSEFinancingTypeOtherDescription\n"}
diff --git a/chunks/json/339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b.json b/chunks/json/339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b.json
new file mode 100644
index 0000000000000000000000000000000000000000..e31a56d884f93e37335079cf38ff084958507ea2
--- /dev/null
+++ b/chunks/json/339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":169030,"char_start":167294,"chunk_id":"chk_e689c5c099b8d623","chunk_index":178,"chunk_sha256":"339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b","token_estimate":434,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"All Rights Included in Appraisal\n\n0100.0034\n\nAllPropertyRightsAppraisedIndicator\n\nDisplay when LandOwnedInCommonIndicator = \"false\"\n\nRights Not Included\n\n0100.0036\n\nPropertyPartialInterestType\n\nDisplay when AllPropertyRightsAppraisedIndicator = \"false\"\n\n3.029\n\nMineral Rights Leased\n\n0100.0023\n\nMineralRightsLeasedIndicator\n\nDisplay when GovernmentAgencyAppraisalIndicator = \"true\" AND\n\nAppraisedIndicator = \"false\" AND\n(AllPropertyRightsAppraisedIndicator = \"true\" OR\nPropertyPartialInterestType <> \"MineralRights\")\n\n3.030\n\nDescription of Rights Not Included\n\n0100.0038\n\nPropertyRightsNotAppraisedDescription\n\nDisplay when AllPropertyRightsAppraisedIndicator = \"false\"\n\nFigure 3 - 2\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nLegal Description\n\nThe Legal Description subsection always displays. The legal description is required either in text format or an image.\n\n• When Legal Description - ParcelsLegalDescription (UID: 0100.0067, FID: 3.031) is provided, the text displays. (Figure 3 - 3)\n\nFigure 3 - 3\n\nPage 111\n\n• When an image is provided for Legal Description, it must be delivered using ImageCategoryType (UID: 3000.0043, FID: 3.031.1) =\n\n“LegalDescription” and the image displays within the subsection below the gray bar. (Figure 3 - 4)\n\nFigure 3 - 4\n\nSubject Property Commentary\n\nThe Subject Property Commentary subsection displays only when comments are provided. Any commentary must use\nValuationCommentText (UID: 0100.0044, FID: 3.032) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: Not on report) =\n“SubjectProperty”.\n\n<VALUATION_COMMENTARY>\n\n<ValuationAnalysisCategoryType>SubjectProperty</ValuationAnalysisCategoryType>\n<ValuationCommentText>Additional commentary may be added here.</ValuationCommentText>\n"}
diff --git a/chunks/json/33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a.json b/chunks/json/33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a.json
new file mode 100644
index 0000000000000000000000000000000000000000..31b89155bc3c12152c8979e8909b4b08e66039ec
--- /dev/null
+++ b/chunks/json/33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":424730,"char_start":423055,"chunk_id":"chk_22801cd76b4f23d0","chunk_index":239,"chunk_sha256":"33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 130. Loan Product and AP Table\n\n3.3 Loan Product Features\n\nReflected in AP Table as:\n\n(A) Negative Amortization\n\n(B) Interest Only\n\n19.2 Optional Payments, 19.3 Step Payments\n\n19.1 Interest Only Payments\n\n(C) Step Payment (aka Graduated Payment)\n\n19.3 Step Payments\n\n(D) Balloon Payment\n\n(E) Seasonal Payment\n\n(See Reg §1026.37(a)(10))\n\nB. LOAN TERMS AND AP TABLES\n\nN/A – per Reg, balloon payment not considered a change to\nperiodic payments\n\n19.4 Seasonal Payments\n\nSome of the payment adjustment information required for the AP Table has already been provided in 4.0 Loan\nTerms as part of the description of the increase to the Periodic Principal and Interest Payment. The following\ntable shows similarities and differences between 4.3.3 in the Loan Terms table and the AP Table. This\nrelationship is important to understand, because the same data points are used to populate both tables where\nthe data overlaps, and appear in the XML file only once.\n\nTable 131. Loan Terms and AP Tables\n\nLoan Terms Table (4.3)\n\nAP Table (19.0)\n\nID (bullet)\n\nForm Field Name\n\nID\n\nForm Field Name\n\n4.3.2\n\nPrincipal and Interest – Can this amount\nincrease after closing? YES\n\n19.0 Adjustable Payment (AP) Table\n(If 4.3.2 = YES must be included)\n\n4.3.3 (3)\n\n4.3\n\nIncludes only interest and no principal until\nyear <#>\n<Period> Principal & Interest\n\nInterest Only Payments <YES> for your first <#> payments\n\n19.1 |\n19.1.1\n19.5 <Period> Principal and Interest Payments\n\n4.3.3 (1) Adjusts every <#> years…\n4.3.3 (1)\n\n…starting in year <#>\n\nN/A\nN/A\n\nN/A\n\n19.6 First Change / Amount …. At <#> payment\n\n19.6 First Change / Amount <$> Min to <$> Max …\n19.7 Subsequent Changes Every <#> years**\n"}
diff --git a/chunks/json/33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e.json b/chunks/json/33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e.json
new file mode 100644
index 0000000000000000000000000000000000000000..2b46b33f83e4c87fc2b2dcb8d310712a481d42de
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+++ b/chunks/json/33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e.json
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+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_adbf1aa65c3cf9e5","chunk_index":0,"chunk_sha256":"33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0be59de6f173b03e","text_sha256":"33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_l6yr1e.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/uad\"\ndate_accessed: \"2026-01-27T17:50:58.639Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8.json b/chunks/json/33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8.json
new file mode 100644
index 0000000000000000000000000000000000000000..0e84dbe4065aafb7566e33c6ba7397a0cf70a804
--- /dev/null
+++ b/chunks/json/33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":546271,"char_start":544303,"chunk_id":"chk_0117015970682ddd","chunk_index":324,"chunk_sha256":"33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8","token_estimate":492,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When Units\nExcluding\nADUs for the\nsubject is\nmore than 1\n\n22.05.05\n22.05.27\n\nNoncontinuou\ns Finished\nArea\n\nIf relevant\n\nNumber of square\nfeet\n\nRequired if Units\nExcluding ADUs for the\ncomp is 1, and the row\nis included in the sales\ncomparison grid\n\nYes\n22.05.22\n\nNote: If there are multiple dwellings, Year Built is displayed for each of\nthem in the same row.\n\nYes\n22.05.22\n\nYes\n22.05.24\n\nNote: If Yes, Year Built displays with a tilde (~).\n\nThe type of structural design when properties are connected.\n•\nHigh-rise\n• Mid-rise\n•\nLow-rise\n•\nRowhouse / Townhouse\n•\nSemi-Detached\n•\nOther (Describe)\n\nNote: If there are multiple dwellings in an attached property, Structure\nDesign is displayed for each of them in the same row.\n\nYes\n22.05.26\n\nTotal Gross Building Finished Area for Property\nGross Building Finished Area (GBFA) for all dwellings regardless of grade\nlevel and whether the finished area is standard or nonstandard; includes\ncommon finished areas, ADUs (in dwellings), and below grade finished\nareas.\n\nNote: Does not include unfinished area.\n\nDwelling Exterior, for\neach dwelling\n•\n\nYear Built 8.010\n\nDwelling Exterior, for\neach dwelling\n•\n\nYear Built\nEstimated 8.010\n\nDwelling Exterior, for\neach dwelling\n•\n\nStructure Design\n8.002\n\nThe appraiser must\nenter the information\nfor the subject\nproperty.\n\nNote: Displays in\nIncome Approach, if\napplicable\n•\n\nGross Building\nFinished Area\n24.003\n\nDwelling Exterior\n•\n\nYes\n22.05.28\n\nNotes:\n•\n\nNoncontinuous\nFinished Area\nExists Not on\nReport\nNoncontinuous\nFinished Area\n8.047\n\n•\n\nFor the subject property, If Noncontinuous Finished Area Exists is\nNo, 0 displays. If there is no noncontinuous finished area for the\ncomparable, report 0.\nFor properties with more than 1 unit (Units Excluding ADUs is more\nthan 1), report this area as part of GBFA (22.05.04 22.05.25) and\nnot here.\nIf the exact area is not known for the comparable, indicate that it is\nestimated in Reconciliation of Sales Comparison Approach\n(22.16.01).\n"}
diff --git a/chunks/json/33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7.json b/chunks/json/33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..426767416f9b51b746f7d6901bc878e95d583f03
--- /dev/null
+++ b/chunks/json/33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15542,"char_start":14299,"chunk_id":"chk_859bebd545a6b974","chunk_index":7,"chunk_sha256":"33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e15e7e10c4f35593","text_sha256":"33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7","token_estimate":447,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/No_FEAR_Report___U_S__FEDERAL_HOUSING_fvpo0j.md"]},"text":"- [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [Next](?page=1)\n - [Last](?page=2)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596.json b/chunks/json/33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596.json
new file mode 100644
index 0000000000000000000000000000000000000000..c5814ea46c60fcae235d359b4ec9dcc7f6101b17
--- /dev/null
+++ b/chunks/json/33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5831,"char_start":3855,"chunk_id":"chk_f478101b533434f3","chunk_index":2,"chunk_sha256":"33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596","date_utc":"2026-01-27T18:10:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6285a13a61bf13fa","text_sha256":"33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596","token_estimate":494,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123113.pdf"]},"text":"Unit2--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nPage 2 of 5\n\nColumn\n\n49 Aff3\n\n50 Aff4\n\n51 Rent1\n\n52 Rent2\n\n53 Rent3\n\n54 Rent4\n\n55 RentUt1\n\n56 RentUt2\n\n57 RentUt3\n\n58 RentUt4\n\n59 Geog\n\n60 Rate\n61 Amount\n62 Front\n63 Back\n64 Borrower Credit Score\n\n65 Co-Borrower Credit Score\n\n66 PMI\n\n67 Self\n\n68 PropType\n\n69 ArmIndex\n\n70 ArmMarg\n\n71 PrepayP\n\nAMA_PUDB_Definitions_123113.xlsx\n\nDefinition\nUnit3--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit4--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit1-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit2-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit3-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit4-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit1--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit2--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit3--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit4--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nGeographically Targeted Indicator indicating whether the property is in census tracts\nannually classified as underserved by HUD\n1=yes;\n2=no\nInterest Rate\nLoan Amount in Whole Dollars\nFront-end Ratio\nBack-end Ratio\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =\n700 < 760, 5 = 760 or greater\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =\n700 < 760, 5 = 760 or greater, 9 = missing or no co-borrower\nPercent of the original loan balance covered by primary mortgage insurance (PMI)\n0=no PMI\n"}
diff --git a/chunks/json/3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f.json b/chunks/json/3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f.json
new file mode 100644
index 0000000000000000000000000000000000000000..7c87f785444b2932e28f8934debedfc3e4aa4e0e
--- /dev/null
+++ b/chunks/json/3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10419,"char_start":8845,"chunk_id":"chk_3b529a4afaa797c0","chunk_index":5,"chunk_sha256":"3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_94bbea163ab9eeea","text_sha256":"3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_ynuuo6.md"]},"text":"The existing literature on homebuyer education and counseling (HEC) consists almost exclusively of evaluations of specific programs, generally using mortgage loan performance as the metric of success. This paper contributes to the literature in two ways. First, it provides evidence on the benefits...\n - NMDB Staff Working Papers\n\nMarch 14, 2018\n\n## [NMDB Staff Working Paper 18-01: Mortgage Experiences of Rural Borrowers in the United States: Insights from the National Survey of Mortgage Originations](/research/papers/nmdb-wp1801)\n\nTo date, research on rural mortgage markets in the United States has been limited by a lack of data on the specific mortgage experiences of borrowers living in rural areas. To fill this data gap, the National Survey of Mortgage Originations (NSMO) conducted a survey that oversampled people who took...\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}
diff --git a/chunks/json/3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914.json b/chunks/json/3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914.json
new file mode 100644
index 0000000000000000000000000000000000000000..aae63f28fe5bc34e5c3f50ea2e70166017b4f39a
--- /dev/null
+++ b/chunks/json/3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":345910,"char_start":344057,"chunk_id":"chk_e95a3e531717d001","chunk_index":204,"chunk_sha256":"3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914","token_estimate":463,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Not Updated\n\nNo modernization and no renovation, refinishing, or remodeling to the flooring throughout the living unit; or any updates\nthat have been made were completed in a timeframe that renders their impact negligible.\n\nAccessibility Features for Individuals with Disabilities\n\nThe appraiser must report on all items in the unit that have been installed or modified that help accommodate\nindividuals with disabilities. If there are no accessibility features in the unit (Accessibility Feature is None), this\nsubsection does not display.\n\nAppendix F-1: URAR Reference Guide\n\nPage 144 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior – Accessibility Features\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.050\n\nFeature\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nAccessibility Feature: A feature designed to provide accessibility and usability\nfor a person with disabilities.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNote: Elevators are reported in the Subject Property Amenities section.\n\nNone\nAppliances\nAuditory\nBathtub\nCabinets\nCounters\nDoorways\nElectrical Switches\nGrab Bars\nHandrails\nHardware\nLighting\nRamps\nShower\nSink\nToilet\nOther (Describe)\n\n10.051 Comment\n\nIf applicable for each\nidentified Accessibility\nFeature\n\nFree-form\n\nAccessibility Feature Comment: Commentary on the customizations made.\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nThe appraiser must report any significant items pertaining to the unit interior, and must associate any defect,\ndamage, or deficiency with the most appropriate section. These defects, damages, and deficiencies are items\nthat:\n• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the\n"}
diff --git a/chunks/json/342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd.json b/chunks/json/342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd.json
new file mode 100644
index 0000000000000000000000000000000000000000..37689ff652ddc4c8cee343104055f5beb6ff2b13
--- /dev/null
+++ b/chunks/json/342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":449600,"char_start":447952,"chunk_id":"chk_814074e1bccbbced","chunk_index":266,"chunk_sha256":"342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"18.033\n18.042\n18.051\n18.060\n\n18.033\n18.042\n18.051\n18.060\n\n18.034\n18.043\n18.052\n18.061\n\n18.034\n18.043\n18.052\n18.061\n\n18.035\n18.044\n18.053\n18.062\n\n18.036\n18.045\n18.054\n18.063\n\n18.036\n18.045\n18.054\n18.063\n\nReport Label\n\nWhen to Include\n\nMonthly\nPayment\n\nMonthly\nPayment\n\nInterest Rate\n\nInterest Rate\n\nAmortization\nType\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nMonthly Payment\nKnown is Yes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nInterest Rate Known is\nYes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes\n\nPro Rata Share\nof Balance\nAttributable to\nUnit\n\nPro Rata Share\nof Balance\nAttributable to\nUnit\n(Maximum:)\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nLine of Credit is No\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nLine of Credit is Yes\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nIs Monthly Payment Known: Indicates whether the payment amount is available\nfrom the blanket financing documents.\nIf No, “Unknown” displays next to Monthly Payment.\n\nDollar amount\n\nMonthly Payment: The total monthly payment amount for the loan.\nNote: Convert all lien payments to a monthly dollar amount.\n\nYes | No\n\nIs Interest Rate Known: Indicates whether the interest rate is available from the\nblanket financing documents.\nIf No, “Unknown” displays next to Interest Rate.\n\nPercent\n\nInterest Rate: The current interest rate for the loan.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n"}
diff --git a/chunks/json/342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407.json b/chunks/json/342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407.json
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index 0000000000000000000000000000000000000000..7ef42595f2eeb476a277fc91dde4581cf3997a66
--- /dev/null
+++ b/chunks/json/342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31045,"char_start":29429,"chunk_id":"chk_661af4aa6b90d8b5","chunk_index":18,"chunk_sha256":"342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"44828 Jane Ln\nAnytown, IL 54321\n\n28200 Mary Ln\nAnytown, IL 54321\n\n23454 Sue Rd\nAnytown, IL 54321\n\n2\n\n3\n\n2 | 1\n\n2\n\n5\n\n$(15,000)\n\n2\n\n2\n\n$7,500\n\n3 | 1\n\n$(10,000)\n\n2 | 2\n\n$(3,500)\n\n2\n\n3\n\n2 | 1\n\n1,552 Sq. Ft.\n\n1,232 Sq. Ft.\n\n320 Sq. Ft.\n\n1,600 Sq. Ft.\n\n1,300 Sq. Ft.\n\n300 Sq. Ft.\n\n$0\n\n$0\n\n$0\n\n1,350 Sq. Ft.\n\n$25,250\n\n1,650 Sq. Ft.\n\n$(12,250)\n\n1,200 Sq. Ft.\n\n$0\n\n1,350 Sq. Ft.\n\n150 Sq. Ft.\n\n$3,400\n\n300 Sq. Ft.\n\n$0\n\n$0\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC2\n\nQ3\n\nQ4\n\nVinyl\n\nBasement\n\nComposition\n\nC1\n\nQ4\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nCommercial Grade\nAppliances\n\nCommercial Grade\nAppliances\n\nStock Grade Appliances\n\nCommercial Grade\nAppliances\n\nOverall Bathrooms\n\nMixture of Tile and Granite\n\nMixture of Tile and Granite\n\nMid-Grade Finishes\n\nMixture of Tile and Granite\n\nOverall Flooring\n\nNylon Short Loop and\nEngineered Wood\n\nNylon Short Loop and\nEngineered Wood\n\nWalls and Ceiling\n\n9 Ft. and 10 Ft. | Custom\n\n9 Ft. | Custom\n\nCondition\n\nC1\n\nC2\n\nStock Flooring\n\n8 Ft. | Stock\n\nC1\n\nNylon Short Loop and\nEngineered Wood\n\n9 Ft. | Custom\n\nC1\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQ3\n\nC1\n\nQ3\n\nC2\n\n$12,500\n\n$12,500\n\nQ4\n\nC1\n\nQ3\n\nC1\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nIndoor Fireplace - 2\n\nPatio | Porch\n\n$(2,000)\n\nDeck | Patio\n| Porch\n\nIndoor\nFireplace - 2\n\nDeck | Patio\n| Porch\n\nIndoor\nFireplace - 2\n"}
diff --git a/chunks/json/342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe.json b/chunks/json/342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe.json
new file mode 100644
index 0000000000000000000000000000000000000000..259cd5e04e81e72af8bed905d40bdca262e3646b
--- /dev/null
+++ b/chunks/json/342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34839,"char_start":33722,"chunk_id":"chk_e8c940e3fd2b7678","chunk_index":36,"chunk_sha256":"342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe","token_estimate":467,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nVehicle Storage\n\n13.000\nStorage\n13.001\n\nNumber of Parking Spaces\n13.002\n\nDetail\n13.003\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\n13.004\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n13.005\n\nLocation\n13.006\n\nDescription\n13.007\n\nAffects Soundness or\nStructural Integrity\n13.008\n\nRecommended\nAction\n13.009\n\nVehicle Storage Commentary\n13.010\nVehicle Storage Exhibits\n\n13.011.1 | 13.011.2(cid:3)\n13.001.1 | 13.001.2(cid:3)\n13.005.1 | 13.005.2\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:1)\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1)\n"}
diff --git a/chunks/json/342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac.json b/chunks/json/342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac.json
new file mode 100644
index 0000000000000000000000000000000000000000..dd3ff900017196e9ec8bb42f1f151cff1348ad0d
--- /dev/null
+++ b/chunks/json/342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":75932,"char_start":74333,"chunk_id":"chk_e4df87b2234ee9de","chunk_index":42,"chunk_sha256":"342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Label\n\nWhen Displayed in\nSummary Section\n\nAllowable Answers /\nFormat\n\nOrigin of Information\n(Section)\n\nDefinition / Additional Guidance\n\nSummary: Property Description\n\n1.016\n1.017\n1.018\n\nCondominium\nCooperative\nCondop\n\nCheckboxes always\ndisplay\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nSubject Property\n3.011 3.012 3.013\n•\nProperty in a\nProject\nProject Legal\nStructure\n\n•\n\n1.019\n\nObserved\nProject\nDeficiencies\n\n1.020\n\nSubject Site\nOwned in\nCommon\n\nCheckbox displays\nwhen the property\nis in a\ncondominium,\ncooperative, or\ncondop\n\nCheckbox always\ndisplays\n\nYes | No\n\nYes | No\n\nProject Information\n•\nObserved\nDeficiencies\n18.014\n\nSubject Property\n•\n\nSite Owned in\nCommon 3.015\n\n1.021\n\nUnits Excluding\nADUs\n\nAlways displays\n\nNumber\n\nSubject Property\n•\n\nUnits Excluding\nADUs 3.005\n\nCheckboxes are checked based on:\nProperty in a Project (Does not display)\n•\n\nYes (the property is in a condominium,\ncooperative, or condop)\nNo (the property is not in a condominium,\ncooperative, or condop)\n\n•\n\nProject Legal Structure indicates the type of project\nthe property is in.\n\nThe appraiser must observe the overall project.\n•\n\nIf checked Yes, there are deficiencies, deferred\nmaintenance, and / or critical repairs that impact\nthe value and / or marketability of the subject\nproperty.\n\nIndicates whether land associated with the property is\nowned by an association.\n•\n\nYes (the land supporting the dwelling is\ncommonly owned through an association such as\na condo, co-op or condop).\nNo (the homeowner owns or leases the land sole\nand separate from another entity).\n\n•\n"}
diff --git a/chunks/json/3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a.json b/chunks/json/3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a.json
new file mode 100644
index 0000000000000000000000000000000000000000..d674b2e47fc99cf69cf84ecac1be9d0a54f8759a
--- /dev/null
+++ b/chunks/json/3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9173,"char_start":8086,"chunk_id":"chk_9a651554ac3cd82e","chunk_index":5,"chunk_sha256":"3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f7d01bb05d443ddd","text_sha256":"3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a","token_estimate":272,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.xml/SF5_Appraisal_v1.1.xml"]},"text":"AsIs\n\n2024-03-03\n\n60\n\n30\n\nReasonableExposureTime\n\n350000\n\nfalse\n\n4321123H\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\ntrue\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nSalesComparisonApproach\n\n2024-03-15\n\nThe comparables provided from the borrower-initiated ROV were reviewed and considered. Two sales were deemed reliable and put in the sales grid, which increased the Indicated Value by Sales Comparison Approach. One was deemed less reliable and added to Additional Properties Analyzed Not Used.\n\nReconciliation\n\n2024-03-15\n\nDue to the increase in Indicated Value by Sales Comparison Approach, the Opinion of Value changed.\n\nMYAPP1\n\nSome Appraisal Creator1\n\n11.2.2\n\nNowhere Technologies\n\nBank of Maryland\n\n81 Cedar Rd\n\nNowhere\n\n09991\n\nMD\n\nLender\n\nClient\n\nJohn\n\nAppraiser\n\n381 Pine St\n\nAnytown\n\n09992\n\nMD\n\nJohn Appraiser Appraisal Company\n\nCertifiedResidential\n\n2025-12-31\n\n03-XXXXXX\n\nMD\n\nAppraiser\n\nAppraisalFee\n\n0\n\nJane\n\nDoe\n\nBorrower\n\nPropertyOwner\n\nValuation\n\n2024-03-15\n\nSF5_Appraisal_v1.1.pdf\n\napplication/pdf\n\n2\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"}
diff --git a/chunks/json/343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812.json b/chunks/json/343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812.json
new file mode 100644
index 0000000000000000000000000000000000000000..12692a12e8fa6b082a6ac630285c54d6946202f7
--- /dev/null
+++ b/chunks/json/343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":235584,"char_start":233974,"chunk_id":"chk_4912d682fc87e7ea","chunk_index":218,"chunk_sha256":"343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• When a manufactured home is a Dwelling; ConstructionMethodType (UID: 0300.0034) = “Manufactured” and ImprovementType (UID:\n\n0300.0009) = “Dwelling”, the Manufactured Home section displays after the applicable Dwelling Exterior section.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• When the manufactured home is an ADU; OutbuildingType (UID: 0300.0025) = \"ManufacturedHome\" AND LivingUnitCount (UID:\n\n0300.0063) > 0, the Manufactured Home section displays after the applicable Outbuilding section.\n\nPage 171\n\nThe following table breaks down the display rules for the two variations of manufactured homes: Dwelling or Outbuilding/ADU. When the\nmanufactured home is an Outbuilding/ADU, a subset of information is displayed.\n\nManufactured Home\n\nDisplay Rules\n\nDwelling\n\nOutbuilding/ADU\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay when ImprovementType (UID:\n0300.0009) = “Dwelling” and\nConstructionMethodType (UID: 0300.0034)\n= “Manufactured”\n\n9.000\n\nManufacturer Name\n\n0500.0017 ManufacturedHomeManufacturerName\n\nAlways display\n\nDisplay when (ImprovementType (UID:\n0300.0009) = \"Outbuilding\" AND\nOutbuildingType (UID: 0300.0025) =\n\"ManufacturedHome\" AND\nLivingUnitCount (UID: 0300.0063) > 0)\nNA\n\n0500.0011 ManufacturedHomeInstalledDate\n\n0500.0041\n\nManufacturedHomeInstalledDateEstimatedI\nndicator\n\nAlways display\nWhen “true”, display (~) in front of the\nManufacturedHomeInstalledDate to indicate\nit is an estimated value.\n\n0500.0021\n\nManufacturedHomeMovedAfterOriginalInsta\nllationIndicator\n\nAlways display\n\nNA\n\nNA\n\nNA\n\n0500.0007\n\nManufacturedHomeAttachedToFoundationIn\ndicator\n"}
diff --git a/chunks/json/344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2.json b/chunks/json/344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2.json
new file mode 100644
index 0000000000000000000000000000000000000000..6439c392af1317856152f559b8ee733803dccca8
--- /dev/null
+++ b/chunks/json/344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14279,"char_start":12671,"chunk_id":"chk_0680d69a4cf36f8d","chunk_index":9,"chunk_sha256":"344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"This document is not intended as a sole quality review tool for appraisal reports. Compliance with the\nUAD and UCDP specifications does not relieve lenders of their responsibility to meet the GSEs’ appraisal\nrelated policies and guidelines.\n\nThe GSEs may extend the UAD and the standardized responses to the other appraisal forms at a later date.\nPlease refer to Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller/Servicer Guide\nregarding requirements for additional appraisal forms required to be submitted to UCDP.\n\nPage 6 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nRequirement or\nInstruction\n\nREQUIREMENT\n\nSubject Section\n\nDetails\n\nForms\n\nProperty\nAddress,\nCity, State,\nZIP Code\n\nProperty Address, City, State, ZIP Code\n\n• 1004/70\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nThe appraiser must enter the physical\nproperty address in a format that conforms to\nthe United States Postal Service (USPS)\naddress standards in Publication 28 – Postal\nAddressing Standards (pub28) for complete\naddresses. Address standards can be found\nat USPS.gov. The subject address must be\npopulated consistently throughout the form.\n\nThe following address elements must be\nincluded in these fields:\n\n• Street number\n\n• Street name (including pre-directional\n"}
diff --git a/chunks/json/3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836.json b/chunks/json/3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836.json
new file mode 100644
index 0000000000000000000000000000000000000000..0ab6c387f1d56302e23687c6b69771778d5378e2
--- /dev/null
+++ b/chunks/json/3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9363,"char_start":7637,"chunk_id":"chk_69bdd87cc1b8e589","chunk_index":4,"chunk_sha256":"3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836","date_utc":"2026-01-27T17:46:37+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d388f9df645bf8c0","text_sha256":"3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836","token_estimate":429,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md"]},"text":"This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.\n\n[**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report)\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.\n\n[**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-delivery-specification)\n\nThis document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.\n\n[**Appendix B-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide)\n\nThe Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.\n\n[**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout)\n\nThis zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.\n\n[**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files)\n"}
diff --git a/chunks/json/346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1.json b/chunks/json/346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1.json
new file mode 100644
index 0000000000000000000000000000000000000000..4cff465bc0c2621e61cf7262fd4550aab87d66ef
--- /dev/null
+++ b/chunks/json/346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":82863,"char_start":81193,"chunk_id":"chk_8b2791512abab1ba","chunk_index":49,"chunk_sha256":"346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 34 of 211\n\nDocument Version 1.4\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\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\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-49, 1-50 (values of Sales\nConcession Indicator) must be indicated.\n\nIf field 1-32 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only one\nof fields 1-49, 1-50 (values of Sales\nConcession Indicator) must be indicated.\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n56\n\n57\n\n58\n\n59\n\n60\n\n61\n\n62\n\n63\n\n64\n\n65\n\n66\n\n67\n\n68\n\n69\n\n70\n\n71\n\n72\n\n73\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n51b\n\nCONTRACT\n\nIf Yes, report the total\ndollar amount and\ndescribe the items to be\npaid.\n"}
diff --git a/chunks/json/3463adba1d3f1e77dff8281cbab7ebeba1e99ee8a107b3e2b90daa25e6e09193.json b/chunks/json/3463adba1d3f1e77dff8281cbab7ebeba1e99ee8a107b3e2b90daa25e6e09193.json
new file mode 100644
index 0000000000000000000000000000000000000000..c72d306415c2925759f82e1c95118796586ee17c
--- /dev/null
+++ b/chunks/json/3463adba1d3f1e77dff8281cbab7ebeba1e99ee8a107b3e2b90daa25e6e09193.json
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diff --git a/chunks/json/3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef.json b/chunks/json/3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef.json
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+{"chunk":{"char_end":8663,"char_start":7074,"chunk_id":"chk_a7926040cca30629","chunk_index":4,"chunk_sha256":"3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ae065bd8686d7b0d","text_sha256":"3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA___Privacy___FHFA_bc0jek.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - FOIA & Privacy\n\n# FOIA & Privacy\n\nUnderstanding FOIA and privacy is essential for both those seeking information and government entities entrusted with its release. Familiarizing oneself with the provisions, exemptions, and procedures related to FOIA helps individuals navigate the process effectively while respecting privacy boundaries.​\n"}
diff --git a/chunks/json/349bb9af0c70d46314a5124bb38b63fe166fce21fff5ecad38f51a1a4af2c43e.json b/chunks/json/349bb9af0c70d46314a5124bb38b63fe166fce21fff5ecad38f51a1a4af2c43e.json
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diff --git a/chunks/json/34abe3daf26b862d958632a05d8a435f23e3dff023b485cfaa918baffd5472b0.json b/chunks/json/34abe3daf26b862d958632a05d8a435f23e3dff023b485cfaa918baffd5472b0.json
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diff --git a/chunks/json/34c7921e9cfcd796283581bc26b14d21e165bc306f80099b413919fc7634368b.json b/chunks/json/34c7921e9cfcd796283581bc26b14d21e165bc306f80099b413919fc7634368b.json
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diff --git a/chunks/json/34cd27b6aaaee38e9e44ece9d71324de4ae33b4a2044b5d8655209c2a5da6591.json b/chunks/json/34cd27b6aaaee38e9e44ece9d71324de4ae33b4a2044b5d8655209c2a5da6591.json
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diff --git a/chunks/json/34cd7bb3a0a02d8c2c68f5da108821722fa916394466c777e19b05de67024292.json b/chunks/json/34cd7bb3a0a02d8c2c68f5da108821722fa916394466c777e19b05de67024292.json
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diff --git a/chunks/json/34d826fe2983c6dbcb61fb3a9181c6d3c5308f17df840cc80f049a6a32924a27.json b/chunks/json/34d826fe2983c6dbcb61fb3a9181c6d3c5308f17df840cc80f049a6a32924a27.json
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diff --git a/chunks/json/34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a.json b/chunks/json/34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a.json
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+{"chunk":{"char_end":277517,"char_start":275807,"chunk_id":"chk_e242a42c152637c5","chunk_index":163,"chunk_sha256":"34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a","token_estimate":428,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Note: Some manufactured home information displays for both dwellings and outbuildings that are ADUs. The\n“When to Include” column in this subchapter only references manufactured homes that are dwellings.\n• Structure Type is Dwelling, and Construction Method (8.011) is Manufactured\n\nGeneral Information\n\nManufactured Home – Dwellings - General Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n9.000 Manufacturer\nName\n\nAlways required\n\nFree-form\n\nThe name of the manufacturer (maker) of the manufactured home.\n\n9.001\n\nYear Installed\n\nAlways required\n\nyyyy\n\nYear Installed: The date a Certificate of Occupancy or its equivalent was issued\nfor the development of a lot and placement of a manufactured home on the\npermanent foundation.\n\nAppendix F-1: URAR Reference Guide\n\nPage 116 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\nManufactured Home – Dwellings - General Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n9.001\n\nYear Installed\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nYear Installed Estimated: Indicates whether Year Installed is an estimate.\nNotes:\n•\n\nIf Year Installed is unknown or unavailable to the appraiser in the normal\ncourse of business, the appraiser must estimate the year the\nmanufactured home was installed.\nIf Yes, Year Installed displays with a tilde (~).\n\n•\n\n9.002 Moved Since\n\nAlways required\n\nYes | No\n\nOriginal\nInstallation\n\n9.003\n\nAttached to\nPermanent\nFoundation\n\nAlways required\n\nYes | No\n\nIndicates whether the manufactured home has been moved to a different\nlocation than the one on which it was originally installed.\n"}
diff --git a/chunks/json/34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6.json b/chunks/json/34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6.json
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index 0000000000000000000000000000000000000000..2bce6090a41c71b14612e21b2584267429752a0d
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+++ b/chunks/json/34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8199,"char_start":6535,"chunk_id":"chk_d26eb8d829f62f6d","chunk_index":4,"chunk_sha256":"34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_882b8fe454c060e8","text_sha256":"34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6","token_estimate":416,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-36-inspection-and-reporting-tips.pdf"]},"text":"Broadband Internet Available\n\n3.015\n\n3.016\n\n3.027\n3.028\n\n4.031\n4.037\n4.067\n\nYes/No (land supporting the dwelling is commonly owned)\n\nYes/No\n\nYes/No\nAir, Mineral, Timber, Water…\nIf not available through site inspection inquire via POC\nRequired if property has private access rights to water\nDeep Water|Non-Navigable|Other|Shallow Water\nYes/No\n\nBuilding Certifications\n\n6.004-6.009\n\nSuch as LEED, NGBS Green™…\n\nGreen Efficiency Ratings\n\n6.010-6.013\n\nSuch as HERS®, WaterSense…\n\nReview the URAR Reference Guide Appendix 4 to understand\nreporting a detached garage with additional separate area\n\nOverall Quality and Condition represents the reconciliation of\nall dwellings and living units.\n\nSubject Property\n\nSite\n\nEnergy Efficient\nand Green\nFeatures\n\nVehicle Storage\n\nOverall Quality\nand Condition\n\nMarket\n\nSearch Criteria Description\n\n17.004\n\nCriteria used to identify specific properties within the market\n\nProject\nInformation\n\nRental\nInformation\n\nCost Approach\n\nReconciliation\n\nCertifications\nand Scope of\nWork\n\nKnown Legal Actions\n\n18.070,18.080,\n18.090\n\nRequired when a property is in a project\n\nThere is now a unit-to-unit comparison to each subject unit\ninstead of a property-to-property comparison. Review the\nURAR Reference Guide chapter 23 for more information\n\nReview the URAR Reference Guide Appendix 4 to understand\nhow to report a detached garage with no additional separate\narea and no ADU\n\nReasonable Exposure Time\n\n26.010\n\nNumber of days or range of days\n\nClient Requested Conditions\n\n26.014-26.018 Alternate Opinion of Value\n\nAs Is Overall Condition Rating\n\n26.071\n\nCert 21 (Significant Real Property\nAppraisal Assistance)\nCert 29 (Prior Services)\n"}
diff --git a/chunks/json/34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f.json b/chunks/json/34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f.json
new file mode 100644
index 0000000000000000000000000000000000000000..02eb16f74d8595b5a02c7c42ee5b6f6f385d6933
--- /dev/null
+++ b/chunks/json/34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43077,"char_start":41325,"chunk_id":"chk_5cfaa285aef89070","chunk_index":22,"chunk_sha256":"34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f","token_estimate":438,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Age: Age is a new HMDA data\n\nelement that indicates the borrower and\nco-borrower ages at the time of loan\napplication.60 The PUDB Single-Family\nCensus Tract File currently includes\ndata elements called Age of Borrower\nand Age of Co-borrower disclosed in\nexact years. Age of Borrower and Age of\nCo-borrower will be disclosed in the\nPUDB Single-Family Census Tract File\nin ranges, in conformance with the\nCFPB Privacy Guidance to mask the\nexact year.61\n\nOccupancy Type: The HMDA\nOccupancy Type data element was\nmodified in 2018 by Regulation C to add\nnew values. Previously, Occupancy\nType had values for Owner-Occupied as\na Principle Residence, Not-Owner\nOccupied as a Principal Residence, and\nNot Applicable. The Regulation C\namendments replaced Not-Owner\nOccupied as a Principle Residence with\ntwo new values: Second Residence; and\nInvestment Property.62 The new HMDA\nOccupancy Type values for Second\nResidence and Investment are already\nreported to FHFA by the Enterprises in\na data element called Occupancy Code,\n\n55 12 CFR 1003.4(a)(25).\n56 Official Interpretations, comment 4(a)(25)–3.\n57 84 FR at 656.\n58 12 CFR 1003.4(a)(24).\n59 84 FR at 656, 662.\n60 12 CFR 1003.4(a)(10)(ii).\n61 84 FR at 664–665, 672. The age ranges are: 25\n\nto 34; 35 to 44; 45 to 54; 55 to 64 (with a flag for\n62 or higher); and 65 to 74. Below 25 and above\n74 are bottom- and top-coded, respectively.\n\n62 12 CFR 1003.4(a)(6).\n\nbut the current PUDB Single-Family\nCensus Tract File discloses only Owner-\nOccupied, Investment, and Not\nApplicable. Occupancy Code will be\nchanged in the PUDB Single-Family\nCensus Tract File to align with HMDA\nby disclosing Second Residence, and\nwill continue to be disclosed without\nmodification, in conformance with the\nCFPB Privacy Guidance.63\n"}
diff --git a/chunks/json/34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17.json b/chunks/json/34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17.json
new file mode 100644
index 0000000000000000000000000000000000000000..75c9b671b6f713bb9508a6cd353721d040734c3a
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+++ b/chunks/json/34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17.json
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+{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_a898d0c573a57bce","chunk_index":0,"chunk_sha256":"34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b8ef5b7c99339c83","text_sha256":"34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA_Annual_Report___U_S__FEDERAL_HOUSING_992si.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/foia-annual-report\"\ndate_accessed: \"2026-01-27T17:48:02.296Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3.json b/chunks/json/34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..695bfbace8f391ff1f629c5977249b066d914be1
--- /dev/null
+++ b/chunks/json/34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":35754,"char_start":34136,"chunk_id":"chk_546c393aa08c1abc","chunk_index":21,"chunk_sha256":"34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3","token_estimate":406,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Adjusted Price Per Unit\n\nAdjusted Price Per Bedroom\n\nPrice Per Gross Building\nFinished Area\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nIndicated Value by Sales Comparison Approach\n\nTB-SCA_H2\n\nIndicated Value\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nReconciliation of Sales Comparison Approach\n\nAdditional Properties Analyzed Not Used\n\n#\n\nProperty Address\n\nSale Date\n\nStatus\n\nReason Not Used\n\nComment\n\nTB\n\nTB\n\nH1\n\nTXC\nH1\n\nTCH\n\nTB\n\nHDR-R\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nHDR-R\n\n1 COLUMN PAGE FORMAT\n\nPG BRK\n\nH1\n\nSales Comparison Map\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nHDR-R\n\n2 COLUMN PAGE FORMAT\n\nH1\n\nSales Comparison Approach Exhibits\n\nCAP\n\nComparable #\n\nCAP\n\nComparable #\n\nCAP\n\nComparable #\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nRental Information\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nH1\n\nH2\n\nTCH\nTB\n\nRent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\n\nOccupancy\n\nMonthly\nRent\n\nMonth-to-\nMonth\n\nLease Start\n\nRent\nControl\n\nRent\nConcessions\n\nUtilities/\nServices\nIncluded\n"}
diff --git a/chunks/json/34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9.json b/chunks/json/34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9.json
new file mode 100644
index 0000000000000000000000000000000000000000..10980138160c6034da183be84e0d50103e5d3450
--- /dev/null
+++ b/chunks/json/34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_1dacf1b1dd3c077d","chunk_index":0,"chunk_sha256":"34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_feefb2b116bd5df7","text_sha256":"34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Annual_Performance_Plan___U_S__FEDERAL_HOUSIN_nwzhtb.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhfa-annual-performance-plan\"\ndate_accessed: \"2026-01-27T17:47:56.959Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360.json b/chunks/json/3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360.json
new file mode 100644
index 0000000000000000000000000000000000000000..5d6d40e17a1fbebfe206f1ccfbae10d5a94d03b0
--- /dev/null
+++ b/chunks/json/3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10843,"char_start":9621,"chunk_id":"chk_468372952c1174e6","chunk_index":6,"chunk_sha256":"3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"Plan Number\n\nFannie Mae/\nFreddie Mac Uniform\nInstrument Note/Rider\nForm\nReference\n\nIndex\n\n[Fannie\nMae Index\nCode]\n\nLife IR\nCap/\nFloor\n\nLook-back\nInt Rate\nChange\n(in days)\n\nARM\nType\n\nARM Plan\nInitial FR\nInt\nPer/\nSubseq\nIR Adj\n\n(in mos)\nas of\nIssue\nDate\n\nPeriodic\nInt Rate\nChange\nLimit\n\n•\nFirst\nChange\nDate /\nSubseq\nChange\nDates\n\nAssum-\nability\n\nConvert\n\n(Y or N)\n\nPmt\nDue Date\n\nSubtype\n\n[MBS only]\n\n[If Y,\nincludes\nconvert\noption\ncode]\n\nFully Amortizing Conventional ARMs – Terms up to 30 Years\n\n4926\n\n4927\n\n3441/3141\n\n30-Day Avg\nSOFR\n\n19-42/\n6\n\n3/6 mos\n\n3442/3142\n\n30-Day Avg\nSOFR\n\n43-66/\n6\n\n5/6 mos\n\n4927\nTexas 50(a)(6)\n\n3442.44/3142.44\n\n30-Day Avg\nSOFR\n\n43-66/\n6\n\n5/6 mos\n\n4928\n\n3442/3142\n\n30-Day Avg\nSOFR\n\n67-90/\n6\n\n7/6 mos\n\n4928\nTexas 50(a)(6)\n\n3442.44/3142.44\n\n30-Day Avg\nSOFR\n\n67-90/\n6\n\n7/6 mos\n\n4929\n\n3442/3142\n\n30-Day Avg\nSOFR\n\n91-150/\n6\n\n10/6 mos\n\n4929\nTexas 50(a)(6)\n\n3442.44/3142.44\n\n30-Day Avg\nSOFR\n\n91-150/\n6\n\n10/6 mos\n\n+/- 2% /\n+/- 1%\n\n+/- 2% /\n+/- 1%\n\n+/- 2% /\n+/- 1%\n\n+/- 5% /\n+/- 1%\n\n+/- 5% /\n+/- 1%\n\n+/- 5% /\n+/- 1%\n\n+/- 5% /\n+/- 1%\n\nUp to\n+5% /\nMargin\n\nUp to\n+5% /\nMargin\n\nUp to\n+5% /\nMargin\n\nUp to\n+5% /\nMargin\n\nUp to\n+5% /\nMargin\n\nUp to\n+5% /\nMargin\n\nUp to\n+5% /\nMargin\n\n45\n\nAssum\n\n45\n\nDOS/\nAssum\n\n45\n"}
diff --git a/chunks/json/3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747.json b/chunks/json/3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747.json
new file mode 100644
index 0000000000000000000000000000000000000000..99e61375087eecd7bcbf1ed89384d86fa4915645
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+++ b/chunks/json/3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6459,"char_start":4859,"chunk_id":"chk_9999337a81b555b3","chunk_index":3,"chunk_sha256":"3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"Square Feet of Gross Living Area Above Grade\n\nFloors 159\nWalls 160\nTrim/Finish 161\nBath Floor 162\nBath Wainscot 163\nCar Storage\n Driveway # of Cars 197\n 196\n\nNone\n 195\n\nDescribe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 219\n\nS\nU\nB\nJ\nE\nC\nT\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nS\nI\nT\nE\n\nI\nM\nP\nR\nO\nV\nE\nM\nE\nN\nT\nS\n\nAre there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe 222\n\n220\n\n221\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 225\n\n223\n\n224\n\nFreddie Mac Form 70D July 2020\n\n226\n\nPage 1 of 6\n\nFannie Mae Form 1004 Desktop July 2020\n\n2\n\nThere are 5\nThere are 8\n\nFEATURE\n\nAddress 11\n\nUniform Residential Appraisal Report (Desktop)\n\ncomparable properties currently offered for sale in the subject neighborhood ranging in price from $\n comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $\nCOMPARABLE SALE # 2\n45\n46a 46b 46c\n\nCOMPARABLE SALE # 1\n45\n46a 46b 46c\n\nSUBJECT\n\n6\n 9\n\nFile # 3\n to $\n\n4 4a\n 7\n\nto $\n\n10\n\nCOMPARABLE SALE # 3\n45\n46a 46b 46c\n\n+(-) $ Adjustment\n\n66\n\n22\n\n62\n\n25\n\n60\n\n24\n\n21\n\n47\n\n63\n\n47\n\n61\n\n51\n\n57\n\n59\n\n51\n\n62\n\n60\n\n53\n55\n\nsq. ft.\n\nsq. ft.\n\nsq. ft.\n\n$ 48\n\n$ 48\n\n$ 49\n\n$ 49\n\ne-25; e-2\n\ne-25; e-2\n\ne-5; e-6; e-7\n\ne-5; e-6; e-7\n\nDESCRIPTION\n\nDESCRIPTION\n\nDESCRIPTION\n\ne-14; e-15; e-16\n\ne-29; e-30; e-31\n\ne-29; e-30; e-31\n"}
diff --git a/chunks/json/352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec.json b/chunks/json/352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec.json
new file mode 100644
index 0000000000000000000000000000000000000000..182acabdf8707ce257c4e07f24368c580272315a
--- /dev/null
+++ b/chunks/json/352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13262,"char_start":11334,"chunk_id":"chk_f928e6e991c30b98","chunk_index":13,"chunk_sha256":"352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec","token_estimate":482,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"In certain scenarios it may be helpful to create a side-by-side comparison of the redesigned Form 1003 and\nthe corresponding MISMO model diagrams as depicted in Chapter 5. This side-by-side view will help you\nunderstand the hierarchical manner of the data relationships in MISMO to the fields in the redesigned Form\n1003 sections.\n\n▪ Specific business sections on the form will map to specific data structures in the model (i.e., Assets,\n\nLiabilities, Acknowledgements, Lender Information, etc.)\n\n▪ Consult these diagrams that describe the business functions based on the DU Spec requirements for\nunderwriting a loan (Chapter 5) to understand the data hierarchy involved per business function.\n\nIdentify Data Issues\n\n1) After constructing the Loan Application Submission file, make sure to validate the file:\n\na. Most XML editors will allow the user to save a file even if it does not pass validation. It is a best\npractice to validate the Loan Application Submission file prior to submission to Fannie Mae.\n\nb. The validation should be against the associated schemas: the MISMO v3.4 Build 324 Schema\n(Schema) and the DU Wrapper Schema that Fannie Mae will provide. Please refer to\nand\nhttps://singlefamily.fanniemae.com/media/document/xlsx/du-specification-mismo-v-34\nhttps://singlefamily.fanniemae.com/media/document/zip/fannie-mae-du-schemas respectively.\n\nc. XML errors should be resolved prior to submitting the Loan Application Submission file to DU.\n\n2) Helpful hints to resolve issues or errors in the creation of the Loan Application Submission file:\n\na. When trying to find and compare data, the DU Spec follows the order of the redesigned Form 1003\nlayout; whereas the Loan Application Submission file follows the MISMO v3.4 Build 324 Schema\nhierarchy which is mostly in alphabetical order. The DU Spec can be reorganized to match the\nschema hierarchy by sorting on the MISMO v3.4 XPATH column for alphabetical order.\n"}
diff --git a/chunks/json/354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661.json b/chunks/json/354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661.json
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index 0000000000000000000000000000000000000000..cfc838cbf9db54af7e65461600d31889c0198325
--- /dev/null
+++ b/chunks/json/354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53773,"char_start":52134,"chunk_id":"chk_5ba82e9ae06d3852","chunk_index":24,"chunk_sha256":"354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"0.053\n\nPartyRoleType\n\nLoanDeliveryFilePreparer\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DOCUMENT_CLASSIFICATION/DOCUMENT_CLASSES/DOCU\nMENT_CLASS\n\n0.030 DocumentType\n\nOther\n\nThe value “Other” must always be provided.\n\n0.046 DocumentTypeOtherDescription\n\nClosingDisclosure:ModelForm\n\nDocumentTypeOtherDescription with one of the\nthree supported enumerations must always be\nprovided.\n\nN O T E : The XML attributes xmlns:xlink for MESSAGE and MISMOReferenceModelIdentifier for DOCUMENT are no longer\nneeded because the XLINK function using arcroles and RELATIONSHIPs has been removed.\n\nB. EMBEDDED CD PDF FILE\n\nUnder DOCUMENT, the parameters for and inclusion of the .pdf file version of the CD are specified.\n\nTable 5. UCD v2.0 Excerpt - Embedded PDF Data Requirements.\n\nUCD UID\n\nMISMO v3.3 Data Point\n\nMISMO v3.3.0 Value\n\nNotes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/ VIEWS/VIEW/VIEW_FILES/VIEW_FILE/FOREIGN_OBJECT\n\n0.025\n\n0.050\n\n0.034\n\n0.048\n\nEmbeddedContentXML\n\ncode\n\nThe embedded PDF of the Closing Disclosure\n\nMIMETypeIdentifier\n\napplication/pdf\n\nOnly acceptable value\n\nObjectEncodingType\n\nBase64\n\nOnly acceptable value\n\nObjectName\n\nClosingDisclosure.pdf\n\nIdentifies the embedded file name\n\nFigure 5. XML File Snippet – XML File Handling.\n\n<MESSAGE xmlns=”http://www.mismo.org/residential/2009/schemas”\nxmlns:gse=”http://www.datamodelextension.org/Schema/gse”\nxmlns:ucd=\"http://www.datamodelextension.org/Schema/ucd” MISMOReferenceModelIdentifier=\"3.3.0299\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n\n<CreatedDatetime>2024-02-17T9:30:47Z</CreatedDatetime>\n <DataVersionIdentifier>UCD2.0</ DataVersionIdentifier >\n"}
diff --git a/chunks/json/356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b.json b/chunks/json/356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b.json
new file mode 100644
index 0000000000000000000000000000000000000000..d18c4a6022d398c7c3706ac14d386f7acedc46a3
--- /dev/null
+++ b/chunks/json/356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8732,"char_start":7064,"chunk_id":"chk_273eca5116b9323e","chunk_index":4,"chunk_sha256":"356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.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# Programs\n\n- ## 2024 TechSprint: Generative AI in Housing Finance\n\nThe FHFA Generative AI in Housing Finance TechSprint was an in-person, team-based problem-solving event hosted by the Federal Housing Finance Agency’s (FHFA) Office of Financial Technology (OFT). The TechSprint brought together technology, regulatory, housing, and consumer finance experts to identify use cases and associated control measures to support the responsible use of generative AI in housing finance.​\n"}
diff --git a/chunks/json/357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4.json b/chunks/json/357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4.json
new file mode 100644
index 0000000000000000000000000000000000000000..1e7c017c7eb0f176e1f4cd324cc08e28e76e0c2c
--- /dev/null
+++ b/chunks/json/357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_5847fed526f92889","chunk_index":0,"chunk_sha256":"357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0c514bb499f87c68","text_sha256":"357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Pilot_Transparency___FHFA_e4mzav.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/pilot-transparency\"\ndate_accessed: \"2026-01-27T17:54:20.297Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec.json b/chunks/json/358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec.json
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index 0000000000000000000000000000000000000000..2427a41ba942338872bc0ad93b6900163775617b
--- /dev/null
+++ b/chunks/json/358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7693,"char_start":5972,"chunk_id":"chk_f8a8678a762f720c","chunk_index":3,"chunk_sha256":"358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Read Me\n\nTechnology systems must support all of the data points defined in Appendix A: GSE Appraisal Forms Mapping. For additional information about the business and technical requirements, please refer to the\nUniform Appraisal Dataset Specification and the other appendices.\n\nListed below are helpful hints and guidelines to keep in mind when referencing this Appendix.\n\n The information contained in this document is based on the Mortgage Industry Standards Maintenance Organization (MISMO®) Valuation Response Version 2.6 Schema Errata 1and the MISMO Logical Data\n\nDictionary Version 2.6 Errata 1.\n\n Form Reference Numbers beginning with an \"e\", as in “e-21”, are GSE extensions of the MISMO Valuation Response Version 2.6 Schema Errata 1.\n\n Fields in this Appendix are referenced using the format “Form Page-Form Reference Number”. For example “1-7” refers to Form Reference Number 7 on Page 1 of the appraisal form. Refer to\n\nAppendix C: Appraisal Form Field Map for a listing of all Form Reference Numbers.\n\n The data in an appraisal XML file must pass certain data integrity rules as defined in the Property Valuation Response v2.6 GSE Extension Schema. The formats are predefined in the Column Description Tab, and any additional\n\ninformation is noted in the Implementation Notes. Please note that the XML file must include all data included within the PDF version of the appraisal report. Data may not be truncated within the XML file.\n\n The 'Allowable Values' in the Implementation Notes column represent the values that must be populated in the appraisal XML file.\n\n Address elements within this file must conform to United States Postal Service Publication 28 Postal Addressing Standards (USPS Pub. 28).\n"}
diff --git a/chunks/json/35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe.json b/chunks/json/35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe.json
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index 0000000000000000000000000000000000000000..18f8657f6e8242f3b45c60b6153073937c8b9703
--- /dev/null
+++ b/chunks/json/35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":121987,"char_start":120380,"chunk_id":"chk_2fe6c337421cfd02","chunk_index":68,"chunk_sha256":"35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"CountryCode\n\nCitizenshipResidencyType\n\nCreditScoreValue\n\nBorrowerClassificationType\n\nBorrowerAgeAtApplicationYearsCount\n\nBorrowerBirthDate\n\nTaxpayerIdentifierType\n\nTaxpayerIdentifierValue\n\nHMDARaceType\n\nNotes: This instance of PARTY required for all loans. Check GSE-specific Implementation Guides for\n\nconditionality of listed data points.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 53 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-15. PARTY Container for PartyRoleType = DocumentCustodian\n\nPartyRoleIdentifier\n\n<Document custodian number>\n\nPartyRoleType\n\nDocumentCustodian\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\nExample IV-16. PARTY Container for PartyRoleType = LoanOriginationCompany\n\nPartyRoleIdentifier\n\n<Loan origination company\nnumber>\n\nPartyRoleType\n\nLoanOriginationCompany\n\nNotes: This instance of PARTY is required if information is available.\n\nExample IV-17. PARTY Container for PartyRoleType = LoanOriginator\n\nPartyRoleIdentifier\n\n<Loan originator number>\n\nLoanOriginatorType\n\nPartyRoleType\n\nBroker\nCorrespondent\nLender\n\nLoanOriginator\n\nNotes: This instance of PARTY required if information is available.\n\nExample IV-18. PARTY Container for PartyRoleType = LoanSeller\n\nPartyRoleIdentifier\n\n<Loan seller number>\n\nPartyRoleType\n\nLoanSeller\n\nNotes: See Fannie Mae’s Implementation Guide for delivery requirements.\n\nExample IV-19. PARTY Container for PartyRoleType = Payee\n\nPartyRoleIdentifier\n\n<Payee number>\n\nPartyRoleType\n"}
diff --git a/chunks/json/35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b.json b/chunks/json/35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b.json
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index 0000000000000000000000000000000000000000..ed8a7c91a7cda08835340fc0e371089961220dcf
--- /dev/null
+++ b/chunks/json/35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12325,"char_start":10881,"chunk_id":"chk_84975662e31a687c","chunk_index":6,"chunk_sha256":"35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1e29fa866f13fb3","text_sha256":"35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b","token_estimate":456,"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":"A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing that methodology, and the historically-based macroeconomic market risk scenarios are [available here](/data/fhlb-stress-tests/cmast).\n\n*Page last updated: July 17, 2023​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae.json b/chunks/json/35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae.json
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index 0000000000000000000000000000000000000000..d5097aadd7baea9a1f8ee3056213ee7fafa11696
--- /dev/null
+++ b/chunks/json/35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":114257,"char_start":112660,"chunk_id":"chk_e713fb3ba4e1be14","chunk_index":65,"chunk_sha256":"35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Assignment Information: Contact Information - Property Data Report\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n2.053\n\nName\n\n2.054\n\nOccupation\n\nIf available when\nProperty Data Report\nUsed is Yes\n\nRequired if Property\nData Report Used is\nYes\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe name of the person who completed the property data report.\nNote: If Name is not provided, it does not display.\n\nSelect an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nThe occupation of the person who completed the property data report.\n•\n•\n•\n•\n•\n•\n\nAppraiser\nAppraiser Trainee\nHome Inspector\nInsurance Inspector\nReal Estate Agent\nOther (Describe)\n\nNote:\n•\n\n•\n\nSelect Appraiser (or Appraiser Trainee) if an appraiser (or trainee)\ncompleted the property data report but is not acting as the appraiser on\nthis appraisal.\nIf property data collection is the primary occupation of the person\ncompleting the report and no other answers apply, select Other and type\nin “Property Data Collector”.\n\n2.055\n\nCompany Name Required if Property\nData Report Used is\nYes\n\n2.056\n\nCompany\nAddress\n\n2.057\n\nReference ID\n\nRequired if Property\nData Report Used is\nYes\n\nIf available when\nProperty Data Report\nUsed is Yes\n\n2.058\n\nSubject Property\nInspection\nExterior\n\nRequired if Property\nData Report Used is\nYes\n\n2.059\n\nSubject Property\nInspection\nInterior\n\nRequired if Property\nData Report Used is\nYes\n\n2.060\n\nSubject Property\nInspection\nInspection Date\n\nRequired if Property\nData Report Used is\nYes\n\nFree-form\n\nThe name of the company that provided the property data report.\n"}
diff --git a/chunks/json/35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde.json b/chunks/json/35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde.json
new file mode 100644
index 0000000000000000000000000000000000000000..78d2ef41810663cf43a8e64fe243a3cab3099a2b
--- /dev/null
+++ b/chunks/json/35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55440,"char_start":53775,"chunk_id":"chk_a5dcd05ec6b201d9","chunk_index":25,"chunk_sha256":"35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DOCUMENT_SETS>\n <DOCUMENT_SET>\n <DOCUMENTS>\n <DOCUMENT>\n\nUCD v2.0 Implementation Guide\n\n- 13 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nFigure 5. XML File Snippet – XML File Handling.\n\n<DEAL_SETS>\n <DEAL_SET>\n\n…\n\n</DEAL_SET>\n <PARTIES>\n\n<!—Freddie Mac’s ID for file submitter -->\n\n<PARTY>\n\n<ROLES>\n <ROLE>\n\n<PARTY_ROLE_IDENTIFIERS>\n <PARTY_ROLE_IDENTIFIER>\n\n<PartyRoleIdentifier IdentifierOwnerURI=”www.freddiemac.com”>000123></PartyRoleIdentifier>\n\n</PARTY_ROLE_IDENTIFIER>\n </PARTY_ROLE_IDENTIFIERS>\n <ROLE_DETAIL>\n\n<PartyRoleType>LoanDeliveryFilePreparer</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n\n<!—Fannie Mae’s ID for file submitter -->\n\n<PARTY>\n\n<ROLES>\n <ROLE>\n\n<PARTY_ROLE_IDENTIFIERS>\n <PARTY_ROLE_IDENTIFIER>\n\n<PartyRoleIdentifier IdentifierOwnerURI=”www.fanniemae.com”>ABCD1234E></PartyRoleIdentifier>\n\n</PARTY_ROLE_IDENTIFIER>\n </PARTY_ROLE_IDENTIFIERS>\n <ROLE_DETAIL>\n\n<PartyRoleType>LoanDeliveryFilePreparer</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n </PARTIES>\n </DEAL_SETS>\n <VIEWS>\n <VIEW>\n\n<VIEW_FILES>\n <VIEW_FILE>\n\n<FOREIGN_OBJECT>\n\n<!-- Base 64 encoded PDF of UCD -->\n <EmbeddedContentXML>code</EmbeddedContentXML>\n <MIMETypeIdentifier>application/pdf</MIMETypeIdentifier>\n <ObjectEncodingType>Base64</ObjectEncodingType>\n <ObjectName>ClosingDisclosure.pdf</ObjectName>\n\n</FOREIGN_OBJECT>\n\n</VIEW_FILE>\n </VIEW_FILES>\n\n</VIEW>\n\nUCD v2.0 Implementation Guide\n\n- 14 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nFigure 5. XML File Snippet – XML File Handling.\n\n</VIEWS>\n <DOCUMENT_CLASSIFICATION>\n"}
diff --git a/chunks/json/35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561.json b/chunks/json/35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561.json
new file mode 100644
index 0000000000000000000000000000000000000000..51af281a6e7ba68ecc7716f73a0d468b8588c08d
--- /dev/null
+++ b/chunks/json/35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24539,"char_start":22829,"chunk_id":"chk_00f25c8e76aae214","chunk_index":14,"chunk_sha256":"35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561","token_estimate":428,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Common Amenity or Service - Clubhouse\n\nCommon Amenity or Service - Gated Community\n\nThis is where the Clubhouse photo would display.\n\nThis is where the Gated Community photo would display.\n\nCommon Amenity or Service - Inground Pool\n\nThis 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 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\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"}
diff --git a/chunks/json/35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769.json b/chunks/json/35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769.json
new file mode 100644
index 0000000000000000000000000000000000000000..58fc8015f191de423a9ba04161f2e5ee7f177588
--- /dev/null
+++ b/chunks/json/35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41998,"char_start":41393,"chunk_id":"chk_a7fb12675a403973","chunk_index":68,"chunk_sha256":"35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769","token_estimate":479,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Completion Report Exhibits ........................................................................................................................... 88\n\nAssignment Information ................................................................................................................................ 88\n\nContact Information (H1) .................................................................................................................................... 88\n\nAssignment Information and Scope of Work Commentary (H1) ........................................................................ 88\n"}
diff --git a/chunks/json/360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b.json b/chunks/json/360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b.json
new file mode 100644
index 0000000000000000000000000000000000000000..a8f8466debbcd83270c29432470344febba05e57
--- /dev/null
+++ b/chunks/json/360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36924,"char_start":35210,"chunk_id":"chk_3c738996b77a5e62","chunk_index":14,"chunk_sha256":"360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 5 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nII. I-Guide Format\n\nThe purpose of DisplayLabelText values is to enable rendering of a lender’s proprietary name for the enumeration on the\nCD itself. It can only be used as a partner to the provided enumerated data point. It cannot be used by itself in the XML file in\nplace of the data point and supported enumeration. The proprietary value of “Borrower Application Fee” should only be\ndelivered in DisplayLabelText, not in OtherDescription.\n\nThe following table provides XML snippets of compliant and noncompliant uses of ucd:FeeItemType = “Other”,\n\nucd:FeeItemTypeOtherDescription and DisplayLabelText in the XML file.\n\nFigure 3. XML Snippet – Using the Enumerated Value “Other” and the Attribute DisplayLabelText.\n\nCompliant – Use DisplayLabelText\n\n<MESSAGE>\n…\n<DEAL>\n <LOANS>\n <LOAN>\n\n<FEE_INFORMATION>\n\n<FEES>\n <FEE>\n\n<FEE_DETAIL>\n\n<FeePaidToType>Lender</FeePaidToType>\n\n<IntegratedDisclosureSectionType>OriginationCharges</IntegratedDisclosureSectionType>\n<RegulationZPointsAndFeesIndicator>true</RegulationZPointsAndFeesIndicator>\n\n<EXTENSION>\n <OTHER>\n\n<ucd:FEE_DETAIL_EXTENSION>\n\n<ucd:FeeItemType DisplayLabelText=”Borrower Application Fee”>ApplicationFee</ucd:FeeItemType\n\n</ucd:FEE_DETAIL_EXTENSION>\n\n</OTHER>\n </EXTENSION>\n\n</FEE_DETAIL>\n\n…\n</MESSAGE>\n\nNoncompliant – Use “Other”/TypeOtherDescription\n<MESSAGE>\n…\n<DEAL>\n <LOANS>\n <LOAN>\n\n<FEE_INFORMATION>\n\n<FEES>\n <FEE>\n\n<FEE_DETAIL>\n\n<FeePaidToType>Lender</FeePaidToType>\n <IntegratedDisclosureSectionType>OriginationCharges</IntegratedDisclosureSectionType>\n <RegulationZPointsAndFeesIndicator>true</RegulationZPointsAndFeesIndicator>\n <EXTENSION>\n <OTHER>\n"}
diff --git a/chunks/json/361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452.json b/chunks/json/361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452.json
new file mode 100644
index 0000000000000000000000000000000000000000..c8e52380d6391c2aaf6713bd7f7043c87863a3f0
--- /dev/null
+++ b/chunks/json/361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16041,"char_start":14499,"chunk_id":"chk_8b71fc1cdb493993","chunk_index":8,"chunk_sha256":"361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"[*An Update on Implementation of the Single Security and the Common Securitization Platform*](/document/update-on-implementation-of-the-ss-and-the-csp) (03/23/2017)\n\n**2016**\n\nFHFA News Release: *[FHFA Announces Successful Implementation of Release 1 of the Common Securitization Platform](/news/news-release/fhfa-announces-successful-implementation-of-release-1-of-the-common-securitization-platform)*(12/08/2016)\n\n*[An Update on Implementation of the Single Security and the Common Securitization Platform](/media/30346)*(07/07/2016)\n\nFHFA News Release: [*FHFA Details Plans and Timelines for the Single Security and Common Securitization Platform*](/news/news-release/fhfa-details-plans-and-timelines-for-the-single-security-and-common-securitization-platform) (07/07/2016)\n\n**2015**\n\nFHFA News Release: [*FHFA Issues Update on the Common Securitization Platform*](/news/news-release/fhfa-issues-update-on-the-common-securitization-platform)**(09/15/2015)\n\n[*An Update on the Common Securitization Platform*](/media/26181) (09/15/2015)\n\n[*An Update on the Structure of the Single Security*](/reports/single-security-update) (05/15/2015)\n\nFHFA News Release: [*FHFA Issues Update on the Single Security*](/news/news-release/fhfa-issues-update-on-the-single-security)**(05/15/2015)\n\n[Review input submitted](/discussion-topics-overview?tab=all) (select *Single Security Structure Update 2015* in pull down menu)\n\n**2014**\n\n[Request for Input: Single Security Structure](/document/rfi-single-security-final-8-11-2014) (08/12/2014)\n"}
diff --git a/chunks/json/361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0.json b/chunks/json/361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0.json
new file mode 100644
index 0000000000000000000000000000000000000000..b0c09e766916a3cee1e77abad72aae0137c299a5
--- /dev/null
+++ b/chunks/json/361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43690,"char_start":41914,"chunk_id":"chk_0c6515996a46ebf1","chunk_index":28,"chunk_sha256":"361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0","token_estimate":444,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"XPath\n\nAttribute\n\nxlink:label\n\nValue\n\nNotes\n\nRELATIONSHIPS CONTAINER\n\nFirst instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/\n/RELATIONSHIPS/RELAT\nIONSHIP\n\nSequence Number\n\n1\n\narcrole=\"urn:fdc:mism\no.org:2009:residential\nfrom\nto\n\nEXPENSE_IsAssociate\ndWith_ROLE\nEXPENSE_1\nBORROWER_1\n\nTable 14. Relationships Container – Component Details\n\nThe figure below (Figure 14) shows a basic example of how the xlink arcrole relationship linking an\nexpense to a borrower would look in the RELATIONSHIPS container.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “EXPENSE_1”\n xlink:to = “BORROWER_1”\n xlink:arcrole = “EXPENSE_IsAssociatedWith_ROLE”\n\nFigure 14. Using Endpoints and an Arcrole To Define a Relationship\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 26 of 29\n\nVersion 1.1\n\nAppendix A: XML Code Sample FOR Xlink MISMO Arcrole Examples\n\nAPPENDI X A: XML CODE SAMPLE FOR XLI NK MI SMO ARCROLE EXAMPLES\n\nThe following XML code sample is provided to express an example of how the ULAD data\nreleationship using Xlink and MISMO arcroles might look. The example provided shows a sample for\nthe relationship between a borrower’s income and the associated employer.\n\nXML CODE SAMPLE\n\nThe information and examples provided in this document are for illustration purposes only and should\nnot be used as production or pseudo code. The following XML sample corresponds to a use case of a\nborrower with concurrent income from two different employers. The borrower receives two income\ncomponents from the first employer: a base salary and a bonus for a total of 1,400 dollars. The borrower\nreceives one income component from his second employer, a base salary of 950 dollars.\n"}
diff --git a/chunks/json/363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae.json b/chunks/json/363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae.json
new file mode 100644
index 0000000000000000000000000000000000000000..5703f61cd6020cb293b0bea917970fb9c860ed3d
--- /dev/null
+++ b/chunks/json/363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1642,"char_start":0,"chunk_id":"chk_614897031047e1a8","chunk_index":0,"chunk_sha256":"363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f9e9a8ae150eb19b","text_sha256":"363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-nov-15-2025.pdf"]},"text":"DU for Government Loans Release Notes\nNovember 2025 Release\n\nOctober 15, 2025\n\nDuring the weekend of November 15, 2025, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and\nVA changes.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nAppraisal Message Updates\n\nThe appraisal messages in DU will be updated to reflect the changes in the Uniform Appraisal Dataset (UAD) 3.6 and appraisal\nforms redesign. The existing messages referencing specific form numbers will be updated to denote eligibility for a Uniform\nResidential Appraisal Report. These updated messages will be seen on both VA and FHA loan casefiles.\n\nVA Risk Assessment Update (VA Version 4.0)\n\nThe risk assessment applied to VA loan casefiles will be updated to VA Version 4.0. This change will apply to new VA loan casefiles\nsubmitted to DU on or after the weekend of November 15, 2025. Loan casefiles that were submitted to DU for government loans\n(FHA or VA) prior to the weekend of November 15, 2025, and resubmitted as a VA loan casefile after the weekend of November 15\nwill continue to be underwritten through their current version.\n\nAdditional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and Description URL\n\nOnline HUD Handbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400\n0-1\n\nHUD Mortgagee Letters\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/FHA_info_mess\nages\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n"}
diff --git a/chunks/json/3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274.json b/chunks/json/3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274.json
new file mode 100644
index 0000000000000000000000000000000000000000..06d93999213de7fd0c417428b9ee357e945d06ec
--- /dev/null
+++ b/chunks/json/3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8972,"char_start":7085,"chunk_id":"chk_c300440c64256d12","chunk_index":4,"chunk_sha256":"3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ff99c905ab4011ea","text_sha256":"3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHLBank_System_at_100__Focusing_on_the_Future_Repo_g0due.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 - [Reports](/reports)\n - FHLBank System At 100: Focusing On The Future Report\n\nFHLBank System at 100\n\n# FHLBank System at 100: Focusing on the Future Report\n\nPublished: 11/07/2023 ​​​The Federal Home Loan Bank System (System) has served as a key component of the nation’s housing finance system since its creation over 90 years ago. The mortgage market, the broader financial system, and the Federal Home Loan Banks (FHLBanks) themselves have undergone significant changes over nine decades. These changes reflect underlying shifts in technology and structured products, land use and development, demographics, legal and regulatory frameworks, and consumer preferences.\n"}
diff --git a/chunks/json/3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510.json b/chunks/json/3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510.json
new file mode 100644
index 0000000000000000000000000000000000000000..c07dbfb8e3b75a1ef41769e80a0355217a28a8ab
--- /dev/null
+++ b/chunks/json/3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":500474,"char_start":498795,"chunk_id":"chk_7ba79a203c99d530","chunk_index":294,"chunk_sha256":"3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Utilities included in the unit\nmonthly assessment\nWater\n\n241\n\n2\n\n39\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nSewer\n\n242\n\n2\n\n40\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nCable\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nOther\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Cooling' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Electricity' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Gas' and @_IncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n"}
diff --git a/chunks/json/365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512.json b/chunks/json/365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512.json
new file mode 100644
index 0000000000000000000000000000000000000000..cbf99d0e73871d48f5b4ec88facbb7f48c3babf6
--- /dev/null
+++ b/chunks/json/365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":94125,"char_start":92361,"chunk_id":"chk_020e68e954f69833","chunk_index":48,"chunk_sha256":"365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The initial, bought down interest rate is required. The example illustrated in this subsection is for a 3-2-1 (increases 1.0% a\nyear for 3 years) buydown with an initial rate of 3.500 percent. Only the initial bought down rate is specified for UCD v2.0.\n\nTable 19. UCD v2.0 Spec Excerpt - Temporary Buydown Subsidy Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA\nNS/LOAN/BUYDOWN/BUYDOWN_OCCURRENCES/BUYDOWN_OCCURRENCE\n\n4.035\n\nBuydownInitialEffectiveInterestRatePercent\n\n3.500\n\nN O T E : UCD v2.0 no longer includes the data points BuydownChangeFrequencyMonthsCount,\nBuydownIncreaseRatePercent or BuydownDurationMonthsCount..\n\nFigure 28. XML Snippet - Example of Temporary Buydown Data.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<BUYDOWN>\n\n<BUYDOWN_OCCURRENCES>\n <BUYDOWN_OCCURRENCE>\n\n<BuydownInitialEffectiveInterestRatePercent>3.500</BuydownInitialEffectiveInterestRatePercent>\n\nUCD v2.0 Implementation Guide\n\n- 35 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 28. XML Snippet - Example of Temporary Buydown Data.\n\n</BUYDOWN_OCCURRENCE>\n </BUYDOWN_OCCURRENCES>\n\n</BUYDOWN>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 36 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nD. CLOSING ADJUSTMENT DATA\n\n1.\n\nINTRODUCTION\n\nThe first section of the UCD XML file holding extensive data about the closing transaction is CLOSING_INFORMATION. Five\nchild containers of CLOSING_INFORMATION categorize a sizable number of data points with adjustment, funding, general,\nprepaid items and prorated amount data. The containers in bold hold data that is required in every XML file.\n"}
diff --git a/chunks/json/3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b.json b/chunks/json/3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b.json
new file mode 100644
index 0000000000000000000000000000000000000000..88c25e43acd3796600d49df8c0dea5027dc2a3a8
--- /dev/null
+++ b/chunks/json/3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":304656,"char_start":302776,"chunk_id":"chk_2c54b2dadcb98e65","chunk_index":178,"chunk_sha256":"3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b","token_estimate":470,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"397\n\n2\n\n135\n\nRECONCILIATION As of (Effective Date)\n\nAppraisal Effective\nDate\n\nEffective date of the appraisal report\non the subject property.\n\n/VALUATION_RESPONSE/VALUATION/@A\nppraisalEffectiveDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nEither field 2-129 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 2-130, 2-131, 2-132 (other\nvalues of Valuation Reconciliation Condition\nof Appraisal Type) must be indicated. If field\n2-129 is indicated, then none of fields 2-130,\n2-131, 2-132 may be indicated.\nEither field 2-129 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 2-130, 2-131, 2-132 (other\nvalues of Valuation Reconciliation Condition\nof Appraisal Type) must be indicated. If field\n2-129 is indicated, then none of fields 2-130,\n2-131, 2-132 may be indicated.\nEither field 2-129 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 2-130, 2-131, 2-132 (other\nvalues of Valuation Reconciliation Condition\nof Appraisal Type) must be indicated. If field\n2-129 is indicated, then none of fields 2-130,\n2-131, 2-132 may be indicated.\nIf any of fields 2-130, 2-131, 2-132 (values of\nValuation Reconciliation Condition of\nAppraisal Type) are indicated, this field\nshould be populated.\n\n398\n\n399\n\n400\n\n401\n\n402\n\n3\n\n3\n\n3\n\n3\n\n3\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_Title\nDescription\n\nThis is an identifier or number used\nby the appraiser to identify their\nreports. It is generally specific to the\nappraiser\nSecondary report identifier used by\nthe appraiser to identify appraisal\nreports. This field may carry the FHA\nnumber, case number, loan number or\nsome other identifier.\n"}
diff --git a/chunks/json/3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99.json b/chunks/json/3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99.json
new file mode 100644
index 0000000000000000000000000000000000000000..7ebcf22517ddb25020026a4645458b591da5198a
--- /dev/null
+++ b/chunks/json/3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":255497,"char_start":253754,"chunk_id":"chk_0876ca859a1be3e3","chunk_index":230,"chunk_sha256":"3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99","token_estimate":435,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display the number followed by a dash, then the display value for the room type.\n(Figure 10 - 8)\n\nFigure 10 - 8\n\nPage 183\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 184\n\nQuality and Condition\n\nThe Quality and Condition subsection always displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 185\n\nThe interior quality and condition ratings in this subsection provide support to the Overall Quality and Condition Ratings section.\n\n•\n\n•\n\nInterior Quality Rating – InteriorQualityRatingCode (UID: 0700.0067, FID: 10.034)\n\nInterior Condition Rating – InteriorConditionRatingCode (UID: 0700.0066, FID: 10.035)\n\nKitchen and Bathroom Details\n\nThe Kitchen and Bathroom Details table always displays in Unit Interior. The following text always displays above the table in italics, “The\ntables below support the Interior Quality and Condition ratings and reflect the market value condition of this report”.\n\nThis section provides additional information about the Kitchen(s) and Bath(s) indicated in the Level and Room Detail table from the previous\nsection.\n\nWhen displaying Room - RoomType (UID: 0700.0035, FID: 10.037) and Level - LevelType (UID: 0700.0121, FID: 10.037):\n\n• “Kitchen” always displays first\n\n\n\nIf there are multiple kitchens in the unit, each will display on a separate row\n\n• “Bath – Full” and “Bath – Half”, if applicable, display after Kitchen(s)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Each room must specify the location in terms of Level (Figure 10 - 9)\n\n The level displays in the same cell under the room\n\nFigure 10 - 9\n\nPage 186\n\nWhen RoomType = \"Kitchen\" OR \"FullBathroom\" OR \"HalfBathroom\", additional details are required. Each kitchen and bath will display on a\nseparate row. (Figure 10 - 10)\n"}
diff --git a/chunks/json/36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a.json b/chunks/json/36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a.json
new file mode 100644
index 0000000000000000000000000000000000000000..b4e4f9c740952b0788da085301753920bc8e9a79
--- /dev/null
+++ b/chunks/json/36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5123,"char_start":3387,"chunk_id":"chk_3760dd633811bf8f","chunk_index":2,"chunk_sha256":"36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a","date_utc":"2026-01-27T17:47:14+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3a94cd501f6e2a24","text_sha256":"36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae6/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae6.md"]},"text":"This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.\n\n[**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide)\n\nThe Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.\n\n[**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout)\n\nThis zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality.\n\n[**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file)\n\nThis zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version.\n\n[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide)\n\nThis zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.\n"}
diff --git a/chunks/json/36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a.json b/chunks/json/36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a.json
new file mode 100644
index 0000000000000000000000000000000000000000..f51c53b3e9c93550616b8afdcdb136be79003e50
--- /dev/null
+++ b/chunks/json/36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1279232,"char_start":1277634,"chunk_id":"chk_13f247d6d43daf06","chunk_index":758,"chunk_sha256":"36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 209 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n476\n\n6\n\n20c\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property Appraised\nCity,State,Zip\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_PostalCode\n\n10\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement – Refer to Appendix D Reconciliation Section\n\n477\n\n6\n\n21\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISED VALUE OF\nSUBJECT PROPERTY $\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a valid\nproperty valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmo\nunt\n\n12\n\nMoney\n\nPDF Display Format:\nNumeric, whole numbers only\n\n478\n\n479\n\n480\n\n481\n\n482\n\n483\n\n484\n\n485\n\n486\n\n487\n\n488\n\n489\n\n490\n\n491\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n22\n\n23\n\n24\n\n26\n\n27\n\n28\n\n29\n\n30a\n\n30b\n"}
diff --git a/chunks/json/369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639.json b/chunks/json/369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639.json
new file mode 100644
index 0000000000000000000000000000000000000000..f745a115bdd97c430b345e4c4970067461f53e95
--- /dev/null
+++ b/chunks/json/369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10481,"char_start":8780,"chunk_id":"chk_70679ecf3fcabc62","chunk_index":5,"chunk_sha256":"369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2669302acf0b4029","text_sha256":"369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_System___FHFA_rv5zt.md"]},"text":"## Examination and Supervision\n\nFHFA examines each FHLBank and the Office of Finance annually. We have designated a separate examiner-in-charge for each FHLBank and the Office of Finance who serves as the principal point of contact for the management of examination issues at the assigned FHLBank.\n\nAnnual examinations are conducted by an examiner-in-charge and a team of examiners plus financial analysts, economists, and accountants. In addition, our examiners visit the FHLBanks between examinations to follow up on examination findings and discuss emerging issues.\n\nFHFA examiners collaborate with FHFA analysts, modelers, economists, accountants, and attorneys in carrying out the supervision of the FHLBanks.\n\nOur off-site monitoring program includes reviews of monthly and quarterly financial reports and information submitted to FHFA, FHLBank board and committee minutes, data on FHLBank investments, and financial statements and reports filed with the Securities and Exchange Commission.\n\nWe also monitor debt issuance activities of the Office of Finance and track financial market trends. We review FHLBank documents, such as the board of directors’ compensation packages for each FHLBank, and analyze responses to a wide array of periodic and ad hoc information and data requests, including an annual survey of FHLBank collateral and collateral management practices, data on collateral securing advances made to individual insurance company members, unsecured credit data, liquidity, and periodic data on the FHLBanks' holdings of private-label MBS.\n\nSection 20 of the Federal Home Loan Bank Act (12 USC 1440) requires each Federal Home Loan Bank (FHLBank) to be examined at least annually.\n"}
diff --git a/chunks/json/36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b.json b/chunks/json/36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b.json
new file mode 100644
index 0000000000000000000000000000000000000000..c5695276fa5922670c107298883103d64580b301
--- /dev/null
+++ b/chunks/json/36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":484839,"char_start":482426,"chunk_id":"chk_67219e87ed4abd16","chunk_index":275,"chunk_sha256":"36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b","token_estimate":603,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"23. 7 STATE CODE + LICENSE I D - UPDATED\n\nNot required by the GSEs.\n\n23. 8 EMAI L\n\nThe email address for the individual listed as the primary contact must be provided if available. When individual\ncontact information is not available, the general email address for the company employing the contact may be\nprovided.\n\n23. 9 PHONE\n\nThe phone number for the individual listed as the primary contact must be provided if available. When individual\ncontact information is not available, the general phone number for the company employing the contact may be\nprovided.\n\nAppendix E: UCD Implementation Guide\n\nPage 226 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n\nA. CONTACT TABLE RELATI ONSHIPS I N THE UCD FI LE\n\nFor each column in the Contact Information table, PARTY occurs twice using the same Party Role Type, once for\nthe organizational information and once for the associated individual contact information. This pattern will\nrepeat as needed for each column to represent the total number of parties involved in the transaction.\n\n1. ESTABLI SHI NG THE REL ATI ONSHI P BETWEEN OR GANI ZATION AND I NDIV IDUAL\n\nSince each party to the transaction is identified with a single occurrence of PARTY and there are two occurrences\nwith the same Party Role Type value as noted above, attributes must be included in the XML file to clarify the\nfollowing:\n\n▪ Which PARTY represents the organization’s information?\n▪ Which PARTY represents the individual contact’s information?\n▪ What is the relationship between these PARTIES?\n\nXML uses the xlink specification to explicitly establish a relationship between two objects when the relationship\nis not expressed using the container hierarchy. Relationships are described using the XML attribute\n“@xlink:Arcrole”. An @Arcrole is information about the origin, destination and behavior of a link between two\nobjects described in the XML file (in this case, between the organization and individual within one company).\nThe @Arcrole value used to describe this relationship is “urn:fdc:mismo.org:2009:residential/Is Employed By,”\nwhich indicates that one ROLE (the “@from” ROLE, or endpoint), is employed by another ROLE (the “@to” ROLE\nor endpoint). This relationship needs to be specified for each organization – contact pair disclosed in the Contact\nInformation table using RELATIONSHIP. The endpoints also need to be labeled within each ROLE container.\n"}
diff --git a/chunks/json/36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49.json b/chunks/json/36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49.json
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+{"chunk":{"char_end":10641,"char_start":8869,"chunk_id":"chk_c16f267172b239c9","chunk_index":5,"chunk_sha256":"36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4435ce779f140fb4","text_sha256":"36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Career_Opportunities___FHFA_519q7e.md"]},"text":"Our team primarily consists of examiners, accountants, economists, financial analysts, information technology specialists, and attorneys. We also recruit for a variety of other positions such as policy experts, budget and procurement specialists, human resources specialists, facilities and space management professionals and student interns.\n\nFHFA is committed to Equal Employment Opportunity (EEO) and the guidelines of the EEO Commission. FHFA offers a wide variety of EEO services. To learn more, please visit the [EEO page.](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) FHFA is an Equal Opportunity Employer. U.S. citizenship is required.​\n\nTo ensure compliance with an applicable preliminary nationwide injunction, which may be supplemented, modified, or vacated, depending on the course of ongoing litigation, the Federal Government will take no action to implement or enforce the COVID-19 vaccination requirement pursuant to Executive Order 14043 on Requiring Coronavirus Disease 2019 Vaccination for Federal Employees. Therefore, to the extent a Federal job announcement includes the requirement that applicants must be fully vaccinated against COVID-19 pursuant to E.O. 14043, that requirement does not currently apply. Federal agencies may request information regarding the vaccination status of selected applicants for the purposes of implementing other workplace safety protocols, such as protocols related to masking, physical distancing, testing, travel, and quarantine.​\n\n## ​​Open to Students\n\n​​Visit the [Student & Recent Graduates Employment Opportunities​](/about/careers/student-and-recent-graduates) page for employment opportunities​​​ open to current students, recent graduates, and entry-level employees with advanced degrees.\n"}
diff --git a/chunks/json/36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6.json b/chunks/json/36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6.json
new file mode 100644
index 0000000000000000000000000000000000000000..9afc073dbdb704435701d17c1b347531202feca1
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+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_d0e0de13a5cfa5c8","chunk_index":0,"chunk_sha256":"36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/natural-disaster-risk\"\ndate_accessed: \"2026-01-27T17:47:56.999Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686.json b/chunks/json/36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686.json
new file mode 100644
index 0000000000000000000000000000000000000000..83090c523f5c019341176af5cfa909926249ff06
--- /dev/null
+++ b/chunks/json/36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686.json
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+{"chunk":{"char_end":1135481,"char_start":1133854,"chunk_id":"chk_60bf5b7c35f5fa6d","chunk_index":674,"chunk_sha256":"36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"*See field e-7 directly below.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\n244\n\n2\n\ne-7\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other Description)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL\n_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSE\nViewTypeOtherDescription\n\n20\n\nEnumerated\n\n245\n\n2\n\n24\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='DesignStyle']/@_Description\n\n20\n\nString\n\nThis data is referenced more than once on the form in the Site Section, and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a view factor not on the list provided materially affects the value of the property,\nthe appraiser must select 'Other' and enter a description of the view associated with\nthe property. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n"}
diff --git a/chunks/json/36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd.json b/chunks/json/36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd.json
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+{"chunk":{"char_end":7621,"char_start":5833,"chunk_id":"chk_a9a276f9678bad53","chunk_index":3,"chunk_sha256":"36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd","date_utc":"2026-01-27T18:10:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6285a13a61bf13fa","text_sha256":"36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd","token_estimate":447,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123113.pdf"]},"text":"Self-Employed Indicator\n1=yes;\n2=no\nProperty Type\nPT01=Single family detached;\nPT02=Deminimus PUD;\nPT03=Single Family Attached;\nPT04=Two family;\nPT05=Townhouse;\nPT06=Low-Rise Condominium;\nPT07=PUD;\nPT08=Duplex;\nPT09=three family;\nPT10=Four family;\nPT11=Hi-Rise condominium;\nPT12=Manufactured Home\nARM Index\n01=11th District Cost of Funds;\n02=Other Cost of Funds Index;\n03=LIBOR;\n04=1 year Constant Treasury Rate\n99=Not an ARM\nARM Margin\n99999=Not an ARM\nPrepayment Penalty Date\n12/31/9999=No Prepayment Penalty Date\n\nPage 3 of 5\n\nColumn\n\n72 BoEth\n\n73 Race2\n\n74 Race3\n\n75 Race4\n\n76 Race5\n\n77 CoEth\n\n78 Corace2\n\n79 Corace3\n\nAMA_PUDB_Definitions_123113.xlsx\n\nDefinition\nBorrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n"}
diff --git a/chunks/json/36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975.json b/chunks/json/36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975.json
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+{"chunk":{"char_end":10350,"char_start":8731,"chunk_id":"chk_7b9d2417bd0d2301","chunk_index":5,"chunk_sha256":"36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975","token_estimate":404,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"Date of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales 122\n\nCOMPARABLE SALE # 1\n118\n119\n120\n121\n\nCOMPARABLE SALE # 2\n118\n119\n120\n121\n\nSUBJECT\n114\n115\n116\n117\n\nITEM\n\nSummary of Sales Comparison Approach 123\n\nIndicated Value by Sales Comparison Approach $ 124\nIndicated Value by: Sales Comparison Approach $ 125\n128\n\nCost Approach (if developed) $ 126\n\nIncome Approach (if developed) $ 127\n\nThis appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the\nfollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133\n\n132\n\n131\n\n129\n\n130\n\nBased on a visual inspection of the exterior areas of the subject property from at least the street, defined scope of work, statement of assumptions and limiting\nconditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is\n$ 134\n\n, which is the date of the inspection and the effective date of this appraisal.\n\n, as of\n\n135\n\nFreddie Mac Form 2055 March 2005 226\n\nPage 2 of 6\n\nFannie Mae Form 2055 March 2005\n\n2\n\n5\n\nExterior-Only Inspection Residential Appraisal Report\n\nFile # 3 4 4a\n\nA\nD\nD\nI\nT\nI\nO\nN\nA\nL\n"}
diff --git a/chunks/json/36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94.json b/chunks/json/36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94.json
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+{"chunk":{"char_end":1744,"char_start":0,"chunk_id":"chk_9ff40e21abbef217","chunk_index":0,"chunk_sha256":"36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d247cbfbdbb56cff","text_sha256":"36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dodd_Frank_Act_Stress_Tests__DFAST____FHFA_s4da42.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/dodd-frank-act-stress-tests\"\ndate_accessed: \"2026-01-27T17:47:56.875Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/36ebaeb01fb33d070d959d8959bf4c176c0b7db7c85c4b36d38bae6ea58f094f.json b/chunks/json/36ebaeb01fb33d070d959d8959bf4c176c0b7db7c85c4b36d38bae6ea58f094f.json
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index 0000000000000000000000000000000000000000..3cf08d5d0f7eb2ad54a5a6ec913bb677b178158c
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index 0000000000000000000000000000000000000000..0fc8a9446a31035a658c47ce46117696524e550e
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diff --git a/chunks/json/3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed.json b/chunks/json/3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7783d374e61764db88a5f5cb02057fa0665cf07
--- /dev/null
+++ b/chunks/json/3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18510,"char_start":16913,"chunk_id":"chk_5bd8c158c7373477","chunk_index":10,"chunk_sha256":"3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Reason Units Rented is Estimated The appraiser was unable to\nobtain an exact count of renters due to incomplete data on the\nCondo Questionnaire.\nMandatory Fees (HOA, PUD, or Co-op)\n\nGround Rent\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\nObserved Deficiencies\n\n$604\n\nBuilt-in Pool\nInground Spa\nUnit Storage (Assigned)\nSanitary Sewer\nWater\n\nYes No\n \n\nDescription of Deficiencies There is on-going renovation of\nbalconies on the building due to settlement cracking.\n\nYes No\n \n\n \n\nYes No\n \n\nProject Factors and Impact to Value/Marketability\n\nProject Factor\nDeveloper/Sponsor in Control\n\nDetail\nNo\n\nImpact\n\nComment\n\nSingle Entity Ownership of Multiple\nUnits\n\nGreatest Number of Units Owned - 2\n\nNeutral\n\nCommercial Space\n\nKnown Legal Actions\n\n5%\n\nYes\n\nNeutral\n\nNeutral\n\nUnit Transfer Fees\n\nNone\n\nUnit Special Assessments\n\nExisting $1,580\n\nNeutral\n\nCommercial space is a convenience store\n\nThere is existing litigation due to a contract issue\nexperienced by a roofing company that has worked\non the property. The litigation concerns an issue of\nnon-payment to the roofing company for repairs\nmade to the roof of the subject building.\n\nNegligible Impact: Project Building Repairs for\nrehabilitation of all balconies in the project.\nTerm of special assessment is 2 years.\n\nUnit Tax Abatements or Exemptions\n\nNone\n\nProject Factors Commentary The total special assessment for the unit is $3,160. This outstanding special assessment is considered typical for\nthis type of building in this market area, so no further analysis is necessary.\n\nProject Information Commentary\n"}
diff --git a/chunks/json/37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c.json b/chunks/json/37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c.json
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+{"chunk":{"char_end":474776,"char_start":473037,"chunk_id":"chk_265b11a1f3775b2a","chunk_index":281,"chunk_sha256":"37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c","token_estimate":435,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Information for each Listing\n\nA row displays for each relevant listing of the subject property.\n\nAppendix F-1: URAR Reference Guide\n\nPage 201 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n19 Subject Listing Information\n\nSubject Listing Information: Information for each Listing\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n19.002\n\nListing Status\n\nRequired for each\nlisting if Current or\nRelevant Listings is Yes\n\n19.003\n\nListing Type\n\n19.004\n\nListing ID\n\n19.005\n\nStart Date\n\n19.006 End Date\n\n19.007 DOM\n\nRequired for each\nlisting if Current or\nRelevant Listings is Yes\n\nRequired when Listing\nType is MLS, or if\napplicable\n\nIf available for each\nlisting when Current or\nRelevant Listings is Yes\n\nIf available for each\nlisting when Current or\nRelevant Listings is Yes\n\nRequired for each\nlisting when Current or\nRelevant Listings is Yes\n\n19.008\n\nStarting List\nPrice\n\n19.009 Current or Final\n\nList Price\n\nIf available for each\nlisting when Current or\nRelevant Listings is Yes\n\nRequired for each\nlisting when Current or\nRelevant Listings is Yes\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom table (Listing\nType)\n\nFree-form\n\nDefinition / Additional Guidance\n\nActive\nOff Market (previously in MLS)\nPending\n\n•\n•\n•\nNote: Settled sales are reported in the Prior Sale and Transfer History section\nand not here.\n\n•\nAuction\n•\nFSBO\n• MLS\n•\n\nOther (Describe)\n\nA unique number or identifier assigned to the listing by the Listing Type. If\nListing Type is MLS, this is commonly referred to as the MLS number.\nNote: MLS Listing ID must be provided if it exists. If no MLS Listing ID is\navailable, include any non-MLS identifiers used by third-party services.\n"}
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diff --git a/chunks/json/370b4372d6f840e59b0eedfef533f7fa507f870fb62f8381964e24aa8e438646.json b/chunks/json/370b4372d6f840e59b0eedfef533f7fa507f870fb62f8381964e24aa8e438646.json
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diff --git a/chunks/json/3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911.json b/chunks/json/3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911.json
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+++ b/chunks/json/3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":179962,"char_start":178343,"chunk_id":"chk_2a0f56d50ab116b7","chunk_index":104,"chunk_sha256":"3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"3464 Sq ft\n\n626 Sq ft\n\n30 × 12 = 360\n\n15 × 8 = 120\n42 × 30 = 1260\n8 × 16 = 128\n44\n4 × 11 =\n\n4 × 16 =\n64\n4 × 27 = 108\n30 × 42 = 1260\n15 × 8 = 120\n\n10\n10 × 1 =\n4 × 4\n16\n=\n20 × 30 = 600\n\nSketch Commentary\n\nTOTAL Sketch software by a la mode, inc. 1-800-alamode\n\nAs represented in the area breakdown section, there is 1552 sq ft in the below grade area (walkout basement), of which 320 sq ft is a utility\nroom that is not considered finished area even though the sketch might suggest that. The area breakdown section is correct and accurate. The\nsketch also represents 360 sq ft of a family room/bonus room above the garage that is noncontinuous with the rest of the home but has its\nown entrance and is finished and usable.\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 6 of 24\nPage 6 of 24\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\n1-2 Ft.\n2018\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ3\n\nExterior Condition Rating\n\nC1\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nCement Board\n\nFoundation\n\nPoured Concrete | Basement\n\nRoof\n\nWindows\n\nComposition\nEstimated Age:\nLess than 1 year\n\nSubject has a mix of double\nhung and casement\nwindows, all are low e.\n"}
diff --git a/chunks/json/3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20.json b/chunks/json/3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20.json
new file mode 100644
index 0000000000000000000000000000000000000000..f60c3357f99a1da03e778dd2c7c75d13a48f321d
--- /dev/null
+++ b/chunks/json/3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9298,"char_start":7963,"chunk_id":"chk_88ad0ec5ba271159","chunk_index":8,"chunk_sha256":"3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Appraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSubject Property\n\nPhysical Address\nAlternate Physical Address\nCounty\nNeighborhood Name\n\n3.000\n\n3.001\n\n3.002\n\n3.003\n\n3.010\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\n3.011\n\n3.012\n3.013\n\n3.014\n\n3.015\n\n3.016\n\n3.017\n\n(cid:133) (cid:133)\n\nYes No\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nDwellings Containing Units\nSpecial Tax Assessments\n\n3.004\n\n3.005\n\n3.006\n\n3.007\n\n3.008\n\nDescription of Special Tax Assessments and Impact to Value/\nMarketability\n\n3.009\n\nConstruction Stage\n\n3.018\n\nOwnership Rights\n\nProperty Rights Appraised\nCommunity Land Trust\nNative American Lands\n\nGround Rent Annual Amount\n\nRenewable\nTerm\nExpires\n"}
diff --git a/chunks/json/372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6.json b/chunks/json/372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..f353b6866e2a6ad09a5fdbb3f0c50957f1c95150
--- /dev/null
+++ b/chunks/json/372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":694669,"char_start":693062,"chunk_id":"chk_891bdde6c7b710b3","chunk_index":411,"chunk_sha256":"372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms vendor\nsoftware.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address elements must be included in\nthis field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\nThis data is referenced more than once on the form (fields 1-6, 3-11, 6-19), and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n·Address unit designator and number\nThis data is referenced more than once on the form (fields 1-7, 3-12a, 6-20a), and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· City\nThis data is referenced more than once on the form (field 1-8, 3-12b, 6-20b) and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-9, 3-12c, 6-20c), and must\nbe represented consistently.\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\n50\n\n50\n\n50\n\n50\n\n60\n\nN/A\n\nString\n\nString\n\nString\n\nString\n\nString\n\n40\n\n2\n\nString\n\nString\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 128 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n"}
diff --git a/chunks/json/3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f.json b/chunks/json/3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f.json
new file mode 100644
index 0000000000000000000000000000000000000000..759f26715e68fb69c3b2d7a1510a3fe22c63bb8a
--- /dev/null
+++ b/chunks/json/3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":97688,"char_start":95887,"chunk_id":"chk_fe33de11f6b6091e","chunk_index":50,"chunk_sha256":"3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f","token_estimate":450,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"CLOSING_ADJUSTMENT_ITEM_DETAIL\n\nHolds data points describing the closing adjustment.\n\nCLOSING_ADJUSTMENT_ITEM_PAID_BY Holds the unparsed name of the entity funding the adjustment.\n\nEXTENSION/OTHER/gse:CLOSING_ADJUS\nTMENT_ITEM_PAID_BY\n\nHolds the unparsed name of the entity to whom a gift, grantor rebate is paid.\n\na. When to Use CLOSING_ADJUSTMENT_ITEM\n\nThe CLOSING_ADJUSTMENT_ITEMS structure is used to convey amounts that impact the Borrower’s cash to close.\n\ni.\n\nii.\n\niii.\n\niv.\n\nv.\n\nvi.\n\nAdjustments must NOT be provided in LIABILITY as negative line items.\n\nCLOSING_ADJUSTMENT_ITEMS should NOT be used to adjust fee line items. Instead, any change to a fee\ncharged to the borrower must be delivered in the FEE_ITEM structure associated with the specific fee.\n\nThe ClosingAdjustmentItemType of “SellerCredit” follows the same approach—this is the sum of any general\ncredits to the borrower from the seller. If an item has already been identified as a Seller-Paid fee, any\nadjustments attributable to that fee must use FEE_ITEM.\n\nGeneral credits from parties other than the seller or lender “Other Credits” use CLOSING_ADJUSTMENT_ITEM.\nAgain, if the credit or rebate is attributable to a specific fee, the FEE_ITEM container holding that fee is the\nappropriate location to provide the adjustment with a FeePaymentPaidByType = “ThirdParty”.\n\nCLOSING_ADJUSTMENT_ITEM holds data about amounts due to the borrower from the seller that are not a\nproration of an existing housing expense. In those cases, PRORATION_ITEM is used.\n\nIn the case of a refinance transaction disclosed on either the Model or Alternate forms, the\nCLOSING_ADJUSTMENT_ITEM container is also used for applicable adjustments (proceeds from subordinate\nliens, gifts, grants, rebates, transferred escrow balance, principal reduction).\n"}
diff --git a/chunks/json/374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b.json b/chunks/json/374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b.json
new file mode 100644
index 0000000000000000000000000000000000000000..b25b7e0ac9570077496edf0c079fdc5921e38daa
--- /dev/null
+++ b/chunks/json/374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9967,"char_start":8321,"chunk_id":"chk_46db3ba30b6e4eef","chunk_index":5,"chunk_sha256":"374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"This is where the Property Access photo would display.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 22\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nThis is where the Sketch image would display.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nStructure Design\nFront Door Elevation\nTownhouse End Unit\nTownhouse Back to Back\nUnits Above or Below\nYear Built\nConstruction Method\nConverted Area\n\n1\nRowhouse/Townhouse\n2-3 Ft.\nYes\nNo\nNo\n2016\nSite Built\nNone\n\nThis is where the Subject Property photo would display.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 22\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ3\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nBrick | Wood\n\nFoundation\n\nRoof\n\nWindows\n\nPoured Concrete | Basement\n\nSlate\nEstimated Age: 1-10 years\n\nMostly double hung\nwindows - some palladian\nand transom windows noted.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nQuality Comment\nThe exterior walls and trim\nuse upper end finishes\nand materials. Trim is more\nextensive than that typically\nseen for these types of\nstructures.\n\nSlate shingles are typically\nconsidered to be an upper\nend material for this type of\nstructure.\n"}
diff --git a/chunks/json/3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0.json b/chunks/json/3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0.json
new file mode 100644
index 0000000000000000000000000000000000000000..865e479a5f9e9259a81f3a8a05106d428389045a
--- /dev/null
+++ b/chunks/json/3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_fd06ac41ae6b7f55","chunk_index":0,"chunk_sha256":"3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_94bbea163ab9eeea","text_sha256":"3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_ynuuo6.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research?category%5B941%5D=941\"\ndate_accessed: \"2026-01-27T17:47:56.055Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a.json b/chunks/json/377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a.json
new file mode 100644
index 0000000000000000000000000000000000000000..5643d040b020afbbca53b287a858ec9e3b0cf3e5
--- /dev/null
+++ b/chunks/json/377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":186105,"char_start":184489,"chunk_id":"chk_f171977ffd48d751","chunk_index":103,"chunk_sha256":"377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"TotalOtherCosts\n\n337.00\n\n229.00\n\n250.00\n\n1566.00\n\nUCD v2.0 Implementation Guide\n\n- 79 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 59. Rendering Section Heading Data on the CD Closing Cost Details Tables.\n\nCD Excerpt\n\nUCD v2.0 Spec Excerpt\n\n8.19 Other Costs Subtotals\n\n8.19.2\n\n8.19.3\n\nIntegratedDisclosureSubsectionTy\npe = “OtherCostsSubtotals”\n\n9.1 TOTAL CLOSING COSTS\n\n9.2 Closing Costs Subtotals\n\n9.3 Lender Credits\n\n9.1.1 $7,522.00\n\nTotalClosingCosts\n\n7522.00\n\n9.2.2\n\n9.2.3\n\nIntegratedDisclosureSubsectionTy\npe = “ClosingCostsSubtotals”\n\nIntegratedDisclosureSubsectionTy\npe = “LenderCredits”\n\nThe subsection payment breakouts for Borrower-Paid At Closing or Before Closing are related to the subsection label\n\nthrough containment—this time within the INTEGRATED_DISCLOSURE_SECTION_SUMMARY container.\n\nIf the value of IntegratedDisclosureSubsectionPaymentAmount ≠ 0 for IntergratedDisclosureSubsectionType =\n“LenderCredits”, the data point LenderCreditToleranceCureAmount must be present in the INTEGRATED_DISCLOSURE_\nSECTION_SUMMARY_DETAIL container even if the value is 0.00.\n\nFigure 60. Rendering Subsection Payment Data on the CD Closing Cost Details Tables.\n\nCD Excerpt\n\nUCD v2.0 Spec Excerpt\n\nBorrower-Paid\n\nIntegratedDisclosureSubsectionPaidByType = “Buyer”\n\nLoan Costs\n\n7.0\n\nIntegratedDisclosureSubsectionPaymentTimingType =\n\nAt Closing\n\nBefore Closing\n\n“AtClosing”\n\n“BeforeClosing”\n\n7.8 D. TOTAL LOAN COSTS\n\n7.8.1\n\nIntegratedDisclosureSubsectionPa\nymentAmount\n\nIntegratedDisclosureSubsectionPa\nymentAmount\n\n7.9 Loan Costs Subtotals\n\n7.9.2\n$2,000.00\n\n7.9.2\n$4,156.00\n"}
diff --git a/chunks/json/377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350.json b/chunks/json/377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350.json
new file mode 100644
index 0000000000000000000000000000000000000000..8f3ac3f7f54b2c1ba97e842e4028956e2f508915
--- /dev/null
+++ b/chunks/json/377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37488,"char_start":37002,"chunk_id":"chk_4e5581645f028e95","chunk_index":60,"chunk_sha256":"377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350","token_estimate":426,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Legal Description (H1) ......................................................................................................................................... 81\n\nOriginal Appraisal .......................................................................................................................................... 81\n\nAppraisal Update ........................................................................................................................................... 81\n"}
diff --git a/chunks/json/37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c.json b/chunks/json/37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c.json
new file mode 100644
index 0000000000000000000000000000000000000000..36443d2a2ed6ccebb2514cf2afb42f08f21f953e
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@@ -0,0 +1 @@
+{"chunk":{"char_end":20589,"char_start":19020,"chunk_id":"chk_96386d507232aeb2","chunk_index":4,"chunk_sha256":"37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2ebd54ecea65dd8b","text_sha256":"37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Mortgage_Data_Program___Fannie_Mae_fh7foa.md"]},"text":"[]()\n\n![neighborhood roads](/sites/g/files/koqyhd181/files/styles/16_9_letterbox/public/2023-12/UMDP%20Header.png?h=acac93ba&itok=7niQNgxv)\n\n- [Home](/)\n - [Delivering](/delivering)\n - Uniform Mortgage Data Program\n\nDelivering\n\n# Uniform Mortgage Data Program\n\nFostering data standardization, data exchange efficiencies, and enhanced risk management for lenders\n\nUniform Mortgage Data Program (UMDP) is an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of U.S. Federal Housing (FHFA) to enhance mortgage data quality and standardization.\n\nUMDP is composed of several initiatives supporting standardization of appraisal data, loan application data, closing disclosure data, and loan delivery data.\n\n![UMDP infographic](/sites/g/files/koqyhd181/files/2025-06/UMDP-Graphic.png)\n\ndocument.addEventListener('DOMContentLoaded', function () { Coveo.SearchEndpoint.endpoints['default'] = new Coveo.SearchEndpoint({ restUri: 'https://fanniemae9glu2r77.org.coveo.com/rest/search', accessToken: '123', searchAlertsUri: 'https://fanniemae9glu2r77.admin.org.coveo.com/rest/search/alerts' }); var root = Coveo.$$(document).find(\"#sectionsearchbox\"); Coveo.initSearchbox(root, \"/search?sectionid=731\", { Searchbox : { placeholder : \"Search Delivering\" } }); Coveo.state(Coveo.$$(document).find(\"#sectionsearchbox\"), {}); });\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/faqs.svg)\n\n[FAQs](/delivering/uniform-mortgage-data-program/faqs-uniform-mortgage-data-program)\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg)\n"}
diff --git a/chunks/json/37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3.json b/chunks/json/37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3.json
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index 0000000000000000000000000000000000000000..ab1da3438b4d559a4fe7f5e05e2cee7aa0e2f0d7
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+{"chunk":{"char_end":16039,"char_start":14281,"chunk_id":"chk_50f21282f8a01007","chunk_index":10,"chunk_sha256":"37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3","token_estimate":440,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"indicator, suffix, post-directional indicator,\nand unit number when applicable)\n\n• City\n\n• USPS two-letter state or territory\n\nrepresentation\n\n• 5-digit ZIP Code or ZIP+4 code (either with\n\nor without the dash)\n\nReporting Format:\n\n• Property Address– Text\n\n• City – Text\n\n• State – 2-letter USPS abbreviation\n\n• ZIP Code – 5-digit ZIP Code or ZIP+4 code\n\n(either with or without the dash)\n\nPage 7 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nUnit #\n\n• 1073/465\n\nREQUIREMENT\n\nThe appraiser must enter the address unit\nnumber/designator.\n\nDuring the appraisal process if an appraiser\ndetermines that a unit number is not available\nfor a property known to be a condominium,\nthe appraiser must put a “-“ in the unit number\nfield. The \"-\" symbolizes that the appraiser\nhas researched the property address and was\nunable to identify a unit number for the given\ncondominium unit. This is only likely to be\nnecessary in a limited number of instances.\nThis format option is allowable for both the\nsubject property and the comparable\nproperties. The address and unit number\nmust be provided consistently for the subject\nproperty throughout the appraisal.\n\nReporting Format:\nUnit # – Text\n\nCounty\nThe appraiser should enter the name of the\ncounty in which the subject property is\nlocated. If the subject property is not located in\nany county (e.g., the subject property is\nlocated in an independent city), enter the\nname of the local municipality or district in\nwhich the property is located.\n"}
diff --git a/chunks/json/37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327.json b/chunks/json/37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327.json
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index 0000000000000000000000000000000000000000..f734f7cec066d959cb624c730968a36ae8c6a942
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+++ b/chunks/json/37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327.json
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+{"chunk":{"char_end":29110,"char_start":27339,"chunk_id":"chk_4f7d9de636f2e80d","chunk_index":15,"chunk_sha256":"37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327","token_estimate":443,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Credit Scoring Model: Credit Scoring\n\nModel is a new HMDA data element\nthat provides the name of the credit\nscoring model (if any) used to evaluate\nthe loan.35 Both Enterprises collect this\ndata. The available Credit Scoring\nModel data will be disclosed without\nmodification for up to two borrowers in\nthe PUDB Single-Family Census Tract\nFile, in conformance with the CFPB\nPrivacy Guidance.36\n\nManufactured Home Land Property\n\nInterest: Manufactured Home Land\nProperty Interest is a new HMDA data\nelement that indicates whether the\n\n30 12 CFR 1003.4(a)(28).\n31 84 FR at 663. E.g., for a reported value of\n$117,834, the dataset will disclose it as $115,000,\nwhich is the midpoint between values equal to\n$110,000 and less than $120,000. Id. at 673.\n\n32 In the FHFA 2010 Order, FHFA stated that a\n\nHMDA Preapproval data element would not be\nincluded in the PUDB because it does not relate to\noriginated loans that could then be purchased by\nthe Enterprises. 75 FR at 41186. However, upon\nfurther analysis, FHFA concludes that the HMDA\nPreapproval data element does apply to originated\nloans. The ‘‘Preapproval’’ data element is defined\nin 12 CFR 1003.4(a)(4) as whether a ‘‘covered loan\ninvolved a request for a preapproval of a home\npurchase loan under a preapproval program.’’ In\ncontrast, the HMDA Action Taken values relating to\npreapproval, 12 CFR 1003.4(a)(8)(i)(C), specifically\napply only to loans that were not originated\n(whether a preapproval request that did not result\nin the origination of a home purchase loan was\ndenied or approved but not accepted). Accordingly,\nbeginning with the 2018 PUDB, the Preapproval\ndata element parallel to 12 CFR 1003.4(a)(4) will be\nincluded, but not the Action Taken values related\nto preapproval in 12 CFR 1003.4(a)(8)(i)(C).\n"}
diff --git a/chunks/json/37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d.json b/chunks/json/37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d.json
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index 0000000000000000000000000000000000000000..31da1b0177271f8c107cda781235eaa85f2b148b
--- /dev/null
+++ b/chunks/json/37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d.json
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+{"chunk":{"char_end":47059,"char_start":46349,"chunk_id":"chk_7c197f3d27296c76","chunk_index":72,"chunk_sha256":"37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d","token_estimate":616,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Subject Property Amenities – Arcrole Relationships ................................................................................................................................................................ 228\n\n15 Overall Quality and Condition ......................................................................................................................................................................................................... 229\n\nOverview ................................................................................................................................................................................................................................................ 229\n"}
diff --git a/chunks/json/37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f.json b/chunks/json/37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f.json
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index 0000000000000000000000000000000000000000..e3c99caecfdb51d85dc139e0f418adba57354c53
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+++ b/chunks/json/37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":215104,"char_start":213480,"chunk_id":"chk_46a0e0e1776ec5d8","chunk_index":108,"chunk_sha256":"37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Years 6 – 8\nEstimated Total\nMonthly Payment\n($) max\n\nYears 6 – 8\nEstimated Total\nMonthly Payment\n($) min\n\nYears 9 – 11\nEstimated Total\nMonthly Payment\n($) max\n\nYears 9 – 11\nEstimated Total\nMonthly Payment\n($)\n\nYears 12 – 30\nEstimated Total\nMonthly Payment\n($) max\n\nYears 12 – 30\nEstimated Total\n\n…/PROJECTED_PAY\nMENT\n\n1518.09\n\nROF as “$1,518”\n\n1295.83\n\nROF as “$1,296”\n\nProjectedPaymentE\nstimatedTotalMaxi\nmumPaymentAmo\nunt\n\nProjectedPaymentE\nstimatedTotalMini\nmumPaymentAmo\nunt\n\nThird Instance of PROJECTED_PAYMENT\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentE\nstimatedTotalMaxi\nmumPaymentAmo\nunt\n\nProjectedPaymentE\nstimatedTotalMini\nmumPaymentAmo\nunt\n\n1657.34\n\nROF as “$1,657”\n\n1213.48\n\n▪ ROF as “$1,213”\n▪ Reflects MI\ntermination\n\nFourth Instance of PROJECTED_PAYMENT\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentE\nstimatedTotalMaxi\nmumPaymentAmo\nunt\n\nProjectedPaymentE\nstimatedTotalMini\n\n2,076.28\n\nROF as “$2,076”\n\n1213.48\n\n▪ ROF as “$1,213”\n\nAppendix E: UCD Implementation Guide\n\nPage 97 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 83. Estimated Total Monthly Payment Ranges\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMonthly Payment\n($) min\n\nMISMO v3.3.0 Data\nPoint\nmumPaymentAmo\nunt\n\nMISMO v3.3.0\nValue\n\nNotes\n\n▪ Reflects MI\ntermination\n\n5. 6 ESTI MATED TAXES, I NSURANCE & ASSESSMENTS\n\nFigure 67 illustrates the bottom section of the Projected Payments table. 5.6.1 and 5.6.2 disclose a total\nperiodic payment for Estimated Taxes, Insurance & Assessments (ETI&A).\n\n5.0 Projected Payments\n\n5.6 Estimated Taxes, Insurance\n& Assessments\n\nAmount can increase over time\nSee page 4 for details\n"}
diff --git a/chunks/json/37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f.json b/chunks/json/37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f.json
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index 0000000000000000000000000000000000000000..7ea0ea0f4449ccb567f89de08f8701c86b9a016b
--- /dev/null
+++ b/chunks/json/37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12999,"char_start":11351,"chunk_id":"chk_c52c34d1bfbe6e25","chunk_index":7,"chunk_sha256":"37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.xml/Coop1_Appraisal_v1.3.xml"]},"text":"Additional commentary can be added here, if needed by Appraiser.\n\nSiteFeatures\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nProjectFactors\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nProject\n\nThe original use for the subject's project was apartment rental units, up until the cooperative conversion. Additionally, the project offers office space for use on the property. This office space is located within the project and has no impact to value/marketability.\n\nSubjectPropertyAmenities\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSketch\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSiteInfluences\n\nThe site is located approximately one mile from the Potomac River. This location provides beneficial water views for units located above the third floor, on the side of the buildings facing the river. Units on the opposite side of the building do not have water views. In regards to the environmental condition, pollutants have been identified and can contain Endocrine Disruptors (EDCs) that are not completely removed in treatment plants. During periods shortly after heavy rainstorms, the residents in the area are advised not to swim in the Potomac River due to these hazards. Even so, there is no measurable adverse impact on marketability or values concerning the subject. The demand for housing in the subject's market has remained consistent over the years.\n\nSubjectProperty\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSalesContract\n\nThe contract was accepted 8/23/2019; the buyer has deposited a check in the amount of $10,000.\n"}
diff --git a/chunks/json/37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275.json b/chunks/json/37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275.json
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+{"chunk":{"char_end":13303,"char_start":12572,"chunk_id":"chk_5e2b5bd17964951f","chunk_index":18,"chunk_sha256":"37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275","token_estimate":542,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TB_sub-H1-R - Dark Gray Bar in table align right ................................................................................................ 29\n\nTB-SCA_sub-H1 – Dark Gray Bar in Comparable Grids ....................................................................................... 29\n\nTB-SCA_sub-H1-ADJ - Dark Gray Bar in Comparable Grids – Adjustable Row .................................................... 30\n\nTB-SCA_H2 - Light Gray Bar in Comparable Grids .............................................................................................. 30\n\nImages ........................................................................................................................................................... 30\n"}
diff --git a/chunks/json/37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790.json b/chunks/json/37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790.json
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+++ b/chunks/json/37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790.json
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+{"chunk":{"char_end":14914,"char_start":13307,"chunk_id":"chk_361f26837c360ad2","chunk_index":8,"chunk_sha256":"37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"FNM\n\nFNM\n\nFRE\n\nFRE\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nProperty Types in the URAR\n\nThe dynamic Uniform Residential Appraisal Report (URAR), which replaces legacy forms like the 1004/70 and 1073/465,\nsupports a flexible, data-driven format. This structure accommodates various property types and valuation methods,\nenabling tailored feedback.\n\nThere are six UAD data points in the Document Level Results that drive the property type identification for the URAR.\n\nData Fields Specific to the Property Type for URAR\n\nSSR PDF Property Data Point Name\n\nProperty Data Point Name UAD Delivery Spec\n\nProperty Valuation Method\n\npropertyValuationMethodType\n\nUnits Excluding ADUs\n\nlivingUnitExcludingAduCount\n\nAccessory Dwelling Units (FRE) / Number of ADUs (FNM)\n\naccessoryDwellingUnitTotalCount\n\nProject Legal Structure\n\nConstruction Method\n\nprojectLegalStructureType\n\nconstructionMethodType\n\nSubject Site Owned in Common\n\nlandOwnedInCommonIndicator\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nProperty Type Data Fields in the URAR\n\nFannie Mae\n\nFreddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nData Fields Specific to the Property Type Identification\n\nField Name\n\nDefinition / Description\n"}
diff --git a/chunks/json/37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b.json b/chunks/json/37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b.json
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index 0000000000000000000000000000000000000000..71dd1733deca69cc5a998b09259a958ca1ef1966
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+++ b/chunks/json/37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b.json
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+{"chunk":{"char_end":1251,"char_start":0,"chunk_id":"chk_3253bd0b33de6a94","chunk_index":0,"chunk_sha256":"37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a29ee06ae93736c","text_sha256":"37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b","token_estimate":313,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-march-11-2024.pdf"]},"text":"Technology Manager Release Notes\nEffective March 11, 2024\n\nTechnology Manager (TM) is a web-based tool that allows Fannie Mae customers to provision and manage\naccess to Fannie Mae applications. Registered users can view and modify their user profile and security\ninformation, and company designated administrators can assign various applications to their users and\nmanage their System IDs.\n\nWhat’s new in this release?\n\n• Sponsorship Request Limit – When a broker submits a sponsorship request, it will remain active for\n\n180 days. If request has not been acted upon after 180 days, it will be deleted, and another\nsubmission is required.\n\n• User Reactivation – Users deactivated for more than 180 days cannot be reactivated.\n• Deactivated User Report – This report will include those users deactivated in the last 180 days; any\n\ndeactivations that exceed 180 days will no longer be available.\n\n• Edit Company Configuration/Password Configuration – Admins will have option to select the\n\npassword reset duration for their users for 30, 60 or 90 days.\n\n• Change My Password – When changing passwords, Technology Manager will lock a user's account\n\nafter more than five failed attempts for their current password.\n\n© 2024 Fannie Mae 3.4.24 Page 1 of 1\n"}
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+++ b/chunks/json/38036141551f4c4d957d22e3a5ac50b7d64d8127047af40dfb1df3e0f85e9072.json
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+{"chunk":{"char_end":3200,"char_start":1600,"chunk_id":"chk_390b4826a7a4d03e","chunk_index":1,"chunk_sha256":"38036141551f4c4d957d22e3a5ac50b7d64d8127047af40dfb1df3e0f85e9072","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2a28b9957ca3ef0b","text_sha256":"38036141551f4c4d957d22e3a5ac50b7d64d8127047af40dfb1df3e0f85e9072","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-characteristics.pdf"]},"text":"none\n\nnone\n\nnone\n\nDad Firstimer\nMom Firstimer\n5 mortgages, 2 w/balances\n\nRoss Blemished\n2 mortgages w/balances\n\nWanna House\nNeeda House\n1 mortgage w/balance\n\nElizabeth Spender\n1 mortgage w/balance\n\nKen Customer\n\n500-50-7000 650, 639, 620\n\nIndividual\n\n5004549\n\n2 X 30\n\n1 X 60\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n1\n\nnone\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nNovember 8, 2018\n\n1 of 2\n\nHomer Loanseeker\n1 mortgage w/balance\n\nMort Gage\nAnn Gage\nSecurity freeze placed for\nco-borrower ONLY with two\nrepositories – CA Bill 168\n\nPitt Rock, Jr.\nThis borrower is\nparticipating in Consumer\nCredit Counseling\n\nSonny Graves\nHis Social Security number\nis reported as one that\ndoes not belong to the\nborrower\n\nLoco Motion\nIncorrect satisfaction date on\nBK, unknown type of PR,\nunrated mortgage\n\nLucky Knowscore\nHas no credit score.\n\nIma One\nSecurity freeze placed\nONLY with one\nrepository\n\nBorrower(s) Name\n\nSS#\n\nCredit\nScores\n\nCredit\nReport Type Number\n\nReference Credit History\n\n999-60-1111 640, 636, 620\n\nIndividual\n\n5004559\n\n30+days\n4 X 30\n\n60+days 90+days 120+days Bankruptcy Foreclosure Tax Liens Judgment Collection\n3 X 60\n\n2 civil suits\n\n1 X 90\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n000-00-0002 710, 680, 685\n000-00-0003\n\n720\n\nJoint\n\n5004589\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n666-00-6666 525, 515, 497\n\nIndividual\n\n5004599\n\n11 X 30\n\nnone\n\nnone\n\nnone\n\n1\n\n5\n\n5\n\nnone\n\n1\n\n001-01-0021 678, 702, 692\n\nIndividual\n\n5004609\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n999-47-8801 658, 584, 641\n\nIndividual\n\n500461\n\n4 X 30\n\n1 X 60\n\n1 X 90\n\nnone\n\n1\n\n1\n\nnone\n\n1\n\n1 civil suit\n\nnone\n\nnone\n"}
diff --git a/chunks/json/38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760.json b/chunks/json/38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760.json
new file mode 100644
index 0000000000000000000000000000000000000000..b6e22dd51da4d4e28a2cf204d4c815253e93afd5
--- /dev/null
+++ b/chunks/json/38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":65563,"char_start":65248,"chunk_id":"chk_fd601ecc770ed994","chunk_index":38,"chunk_sha256":"38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760","token_estimate":79,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf","below_target_min_tokens"]},"text":"[Role]\n\nTXR\nSIG-B\n\n[Contact Name]\n\nDate of Signature and Report\n\nTXR-B\n\nTXR-B\n\nLevel\nID\nState\nExpires\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082.json b/chunks/json/382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082.json
new file mode 100644
index 0000000000000000000000000000000000000000..bd36d1b275975774711e83ab0833262558766a0c
--- /dev/null
+++ b/chunks/json/382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32750,"char_start":30964,"chunk_id":"chk_ac4c4f77ad387b85","chunk_index":11,"chunk_sha256":"382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082","token_estimate":445,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"**Q27. Will there be Loan Delivery edits triggered based on the UCD feedback messages?**\n\nLoan Delivery edits will not be triggered based on UCD feedback messages. The UCD collection solution and Loan Delivery application are separate systems and do not communicate.\n\n**Q28. What type of validation will be done for the Closing Disclosure PDF?**\n\nA copy of the Closing Disclosure must be provided as an embedded PDF within the UCD XML file when the loan is delivered. An error message will alert you if the PDF is missing in the UCD file. Initially, there will be no edits that compare the data in the Closing Disclosure PDF with the data in the UCD XML file; however, Fannie Mae will analyze the data post-acquisition and will notify lenders of any issues.\n\n**Q29. Should I include any Addendums associated to the Closing Disclosure when embedding the PDF?**\n\nYes, the Closing Disclosure and any associated Addendums should be embedded in the UCD XML file. Other documents (i.e. entire Closing Package) **should not** be a part of the PDF. Including these types of documents may cause the file to exceed the maximum file size limit and receive an unsuccessful status. Please refer to FAQ 4: Are there any file size limitations?\n\n**Q30. Can I upload a Borrower Closing Disclosure outside of the UCD XML file?**\n\nFannie Mae’s UCD collection solution allows for the upload of a PDF to an existing XML submission. If a UCD XML file has been submitted, and the file does not include an embedded PDF, you can attach the PDF via the UCD Findings Report by right clicking on the PDF icon with a slash in it. The collection solution will consider this a re-submission and rerun the submission including any edits that are applicable. After submission, you can the view the attached pdf.\n"}
diff --git a/chunks/json/382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903.json b/chunks/json/382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903.json
new file mode 100644
index 0000000000000000000000000000000000000000..54e992bc0767bde4229f6c7bf323958c69c0cb9f
--- /dev/null
+++ b/chunks/json/382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17434,"char_start":15793,"chunk_id":"chk_2297b70cc9203891","chunk_index":13,"chunk_sha256":"382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"4. Disclosure Avoidance and Privacy Harm Reduction\nTechniques\n\nA UAD appraisal record contains information about the property owner, borrower, and appraiser(s),\nincluding Personally Identifiable Information (PII). A UAD appraisal record also includes a significant\namount of information about the features, neighborhood, quality, and condition of the appraised property\nand comparable properties. While much of the information about properties contained in a UAD\nappraisal record is also available in public records or real estate listings, or is observable from a publicly\naccessible location, some information is only available through a site visit during a traditional appraisal.\n\nFHFA designed the UAD Appraisal-Level PUF to balance the need to include property, borrower, and\nneighborhood characteristics most useful to analyze with the need to meet two privacy goals. The first\nprivacy goal was to reduce the possibility of identifying (sometimes referred to as re-identifying) a\n\nFederal Housing Finance Agency\n\n4\n\nUAD PUF Version 2.1 Data Documentation\n\nproperty address based on the available information about the appraised property. FHFA is aware that,\ndue to the significant number of property characteristics common to UAD and public sources, a person\ncould perform a re-identification attack that might reveal the property address of a UAD record.\n\nThe second privacy goal was to reduce the privacy harm to borrowers, property owners, and appraisers,\nshould a user be able to re-identify a property address successfully. To achieve these two privacy goals,\nFHFA adopted several disclosure avoidance techniques described below.\n"}
diff --git a/chunks/json/3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf.json b/chunks/json/3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf.json
new file mode 100644
index 0000000000000000000000000000000000000000..2969d39b1d7b179fdb75d437bd4b735fc7f1f457
--- /dev/null
+++ b/chunks/json/3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1712,"char_start":0,"chunk_id":"chk_3f1ab05bfc4f6ae4","chunk_index":0,"chunk_sha256":"3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_368c2f6a3e17ee41","text_sha256":"3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Sitemap___FHFA_1oauu.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/sitemap\"\ndate_accessed: \"2026-01-27T17:54:20.755Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551.json b/chunks/json/383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551.json
new file mode 100644
index 0000000000000000000000000000000000000000..5cba04705cbedb557cfc63ab84225d98c390b7f6
--- /dev/null
+++ b/chunks/json/383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30519,"char_start":30410,"chunk_id":"chk_5867216256d49c00","chunk_index":7,"chunk_sha256":"383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551","token_estimate":27,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf","below_target_min_tokens"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 5 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nTable of Contents\n"}
diff --git a/chunks/json/383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad.json b/chunks/json/383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad.json
new file mode 100644
index 0000000000000000000000000000000000000000..91a91789faad710037014e9a667023c21434af55
--- /dev/null
+++ b/chunks/json/383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1752,"char_start":0,"chunk_id":"chk_c0709fe34393f06a","chunk_index":0,"chunk_sha256":"383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad","token_estimate":438,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Manufactured Home Scenario 1 (MH1)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n06/27/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a manufactured home with multiple sections. It has 1,568 sq. ft. of finished area, three\nbedrooms, and two baths. The appraisal is for a refinance of the existing mortgage on the land, with a\nnew construction manufactured home. The manufactured home has not been occupied and is in C1\ncondition.\n\nThe property includes two existing outbuildings and private waterfront access.\n\nKey Characteristics\n\n• Parties associated with this transaction:\n\no Lender (Client)\no Appraiser\no Supervisory Appraiser\n\n• Subject Property\n\no Special tax assessment\no Mineral rights not included\n\n• Site\n\no Noncontiguous parcels separated by road\no No zoning\no Non-residential property use (agricultural)\no Apparent environmental condition (landfill)\no Property restriction (land use) due to overhead electric power transmission lines\no Private waterfront access with a permanent waterfront feature (dock)\no Utilities include private water and sewer\n"}
diff --git a/chunks/json/383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971.json b/chunks/json/383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971.json
new file mode 100644
index 0000000000000000000000000000000000000000..faf936d76fc7fd328641ae21d28dc5bb0559d556
--- /dev/null
+++ b/chunks/json/383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":40068,"char_start":38454,"chunk_id":"chk_5f6bcd6331a62b81","chunk_index":24,"chunk_sha256":"383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971","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":"Uniform Residential Appraisal Report\n\nPage 24 of 26\nPage 24 of 26\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}
diff --git a/chunks/json/38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa.json b/chunks/json/38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa.json
new file mode 100644
index 0000000000000000000000000000000000000000..4ec25a032dc5fc0c0c813f4970ca94e3345a4f8e
--- /dev/null
+++ b/chunks/json/38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":410130,"char_start":408842,"chunk_id":"chk_4687bfd4c2aa344f","chunk_index":230,"chunk_sha256":"38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"18. 2 – 18. 5 ESCROW SECTI ON\n\nThe May 2, 2018 amendment to the Regulation (83 FR 19159) requires that MI premiums be included in the\ncalculations for 18.2, 18.3, and 18.5. These fields reconcile to 5.0 Projected Payment table entries as follows:\n\n18.2 Escrowed Property Costs over Year 1 = (5.3.1 Mortgage Insurance + 5.4.1 Estimated Escrow, Years 1 –\n\nn) * 12 = (82.35 + 206.13) * 12 = $3,461.76.\n\n18.3 Non-Escrowed Property Costs over Year 1 = [(5.6.1 Estimated Taxes, Insurance and Assessments less\n\n18.2 Estimated Escrow) * 12] = (356.13 – 206.13) * 12 = $1,800.\n\n18.4 Initial Escrow Payment = 8.10.1 G. Initial Escrow Payment at Closing. The amendment does not affect\n\nthis calculation, as illustrated by Figure 112.\n\n18.5 Monthly Escrow Payment = 5.3.1 Mortgage Insurance + 5.4.1 Estimated Escrow = (82.35 + 206.13 =\n\n$288.48)\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 5\n\n5.1.2 Years 6 – 8\n\n5.1.3 Years 9 – 11\n\n5.1.4 Ye ars 12 - 30\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\n5.3.1 +\n\n82.35 5.3.2 +\n\n--- 5.3.3 +\n\n--- 5.3.4 +\n\n---\n\n5.4.1 +\n\n206.13 5.4.2 +\n\n206.13 5.4.3 +\n\n206.13 5.4.4 +\n\n206.13\n\n5.6.1 $356.13\n5.6.2 a month\n"}
diff --git a/chunks/json/385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6.json b/chunks/json/385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6.json
new file mode 100644
index 0000000000000000000000000000000000000000..52882eea316967654311c69743da53c77a2bbdc7
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+++ b/chunks/json/385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8718,"char_start":7060,"chunk_id":"chk_f7a129482f7a1d21","chunk_index":4,"chunk_sha256":"385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1eaa5614f4ca2d0","text_sha256":"385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Data___FHFA_j61nd8.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# FHFA Data\n\nFHFA is committed to increasing transparency in the housing finance markets. We actively promote the dissemination of data and information that will improve the public’s understanding of housing finance markets and thereby the efficiency of the market. FHFA publishes an Indicator of single-family house price trends at various geographic levels called the House Price Index (HPI) and a variety of other housing finance-related data sets, reports, and tools.\n"}
diff --git a/chunks/json/386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111.json b/chunks/json/386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111.json
new file mode 100644
index 0000000000000000000000000000000000000000..f371adb83532af63d9efee42f4aa7fd86a01073a
--- /dev/null
+++ b/chunks/json/386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24744,"char_start":23139,"chunk_id":"chk_465a5206aceddc15","chunk_index":14,"chunk_sha256":"386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Townhouse Back to Back\n\nYes\n\nNo\n\nTownhouse Location\n\nNo Units Above/Below\n\nRowhouse/\nTownhouse\n\nYes\n\nNo\n\nNo Units\nAbove/Below\n\nRowhouse/\nTownhouse\n\n$10,000\n\nNo\n\nNo\n\nNo Units\nAbove/Below\n\n2016\n\nRowhouse/\nTownhouse\n\n$10,000\n\nNo\n\nNo\n\nBottom Unit\n\n$0\n\nHeating\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\n5\n\n4 | 1\n\n5\n\n4 | 1\n\n3,308 Sq. Ft.\n\n3,272 Sq. Ft.\n\n720 Sq. Ft.\n\n72 Sq. Ft.\n\n620 Sq. Ft.\n\n72 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ3\n\nBrick | Wood\n\nC3\n\nQ2\n\nC3\n\n4\n\n4 | 1\n\n$0\n\n4\n\n3 | 2\n\n1,992 Sq. Ft.\n\n$98,700\n\n3,442 Sq. Ft.\n\n$0\n\n$5,000\n\n$0\n\n300 Sq. Ft.\n\n$8,400\n\n420 Sq. Ft.\n\n$6,000\n\n100 Sq. Ft.\n\n$0\n\n272 Sq. Ft.\n\n$0\n\nQ3\n\nQ3\n\n$0\n\n$0\n\nQ3\n\nBrick | Wood\n\nBrick | Cement Board\n\nBrick | Cement Board\n\nC3\n\nQ2\n\nC3\n\nC3\n\nQ2\n\nC3\n\nC3\n\nQ3\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 22\n\nSales Comparison Approach (continued)\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n6543 Anywhere Pl\nAnywhere, MD 20854\n\n3245 Nowhere Pl\nAnywhere, MD 20854\n\n3214 Somewhere Pl\nAnywhere, MD 20854\n\nDeck | Deck\n\nDeck | Deck\n"}
diff --git a/chunks/json/3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47.json b/chunks/json/3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d5b02aaf593993d358dce8339f0088355c08fa9
--- /dev/null
+++ b/chunks/json/3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":400733,"char_start":398585,"chunk_id":"chk_a223bd5911b5a7a1","chunk_index":223,"chunk_sha256":"3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47","token_estimate":537,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\ninclude consumer finance paper which combines the note and security instrument in a single document or a retail\ninstallment sales contract.\n\nThe Security Instrument\n\nThe security instrument must:\n\n•\n\nstate that the manufactured home is an improvement to the land and an immovable fixture, or include similar\nlanguage as may be required by applicable law to assure, to the greatest extent possible, that the manufactured\nhome will be treated as real property under applicable state law. If applicable law provides specific obligatory\nwording, such wording must be used; and\n\n•\n\ninclude a comprehensive description of the manufactured home and the land in the property description section.\n\nThe description must include the serial or VIN number (or the serial number or VIN for each unit if the home is multi-section),\nmake, model, size, and any other information that may be required by applicable law to definitively identify the home.\n\nNote: The serial number is located on the HUD Data Plate located on the interior of the home, usually near the electrical box.\nIn addition, the serial number is generally cold-stamped on the frame front cross member of each transportable section.\n\nSome jurisdictions may not allow any information in the property description section of the security instrument other than\nwhat is customary for other real property transactions. If this is the case, then an addendum may be used, which must be\nattached to the security instrument and included in the loan file.\n\nAffidavit of Affixture\n\nThe borrower(s) must sign an Affidavit of Affixture (which must be in the form prescribed by applicable law, if any) that\nacknowledges their intent for the manufactured home to be permanently part of the real property that secures the mortgage\nfree of any personal property security interest. If the manufactured home was previously converted from personal property to\nreal property in accordance with applicable law, the Affidavit is not required by Fannie Mae unless applicable law requires a\nnew Affidavit. Where applicable law does not require an Affidavit to be recorded, it is preferable that an Affidavit be recorded.\n"}
diff --git a/chunks/json/386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea.json b/chunks/json/386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea.json
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index 0000000000000000000000000000000000000000..29d90e2e0932f909725b95b89bad6e34c6e0891c
--- /dev/null
+++ b/chunks/json/386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43895,"char_start":42275,"chunk_id":"chk_c6b478fd4b073ba5","chunk_index":24,"chunk_sha256":"386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"A person admitted to practice law in at least one jurisdiction and authorized to perform criminal and civil legal functions on\nbehalf of clients.\nNote: Select this answer when an attorney has ordered the Completion Report (is the client).\n\nSelect one contact to be the client.\nFor FHA, VA, and USDA, reference the appropriate government agency appraisal guidelines.\n\nThe party who engages an appraiser by employment or contract in a specific assignment whether directly or through an\nagent.\nNotes:\n•\n•\nExamples:\n•\n•\n•\n\nThe lender is the client.\nThe AMC is the client for jurisdictions in which the AMC is required to be noted as the client in the report.\nAnother entity, such as Attorney or Investor, is the client.\n\nThe entity that purchases or holds the loan on the property.\nNote: Select this answer when the investor has ordered the Completion Report (is the client), such as for REO.\n\nThe entity that funds the mortgage loan for the property.\nNotes:\n•\n•\n\nAlways select this answer when there is a lender on the transaction.\nFor FHA, USDA, and VA, reference the appropriate government agency appraisal guidelines.\n\nSelect Other to enter an answer that is not in the above list.\nNote: Only select this answer when the client does not match any of the available selections. The Client Role can be\nassociated to a selection of Other.\n\nCompany Name and Address\n\nAssignment Information: Contact Information - Lender, Client, and AMC – Company Name and Address\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n08.008 Company Name Always required for\n\nFree-form\n\nDefinition / Additional Guidance\n"}
diff --git a/chunks/json/386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11.json b/chunks/json/386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11.json
new file mode 100644
index 0000000000000000000000000000000000000000..69b8bee10bbb7cc351f6ab99007822e34479958d
--- /dev/null
+++ b/chunks/json/386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21304,"char_start":19628,"chunk_id":"chk_58180bd1b4f87957","chunk_index":11,"chunk_sha256":"386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11","token_estimate":419,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory\ncompletion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will\nbe performed in a professional manner.\n\nFreddie Mac Form 70 March 2005 226\n\nPage 4 of 6\n\nFannie Mae Form 1004 March 2005\n\n2 Uniform Residential Appraisal Report\n\nFile # 3\n\n4 4a\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n\n1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\n\n2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition\nof the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the\nlivability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach\nfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop\nthem, unless otherwise indicated in this report.\n"}
diff --git a/chunks/json/3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528.json b/chunks/json/3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528.json
new file mode 100644
index 0000000000000000000000000000000000000000..b1e397edde6a8ccf568b60d62fd595f999028567
--- /dev/null
+++ b/chunks/json/3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":264222,"char_start":262625,"chunk_id":"chk_5a21e61b657eea83","chunk_index":155,"chunk_sha256":"3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Number of square\nfeet\n\nNoncontinuous Finished Area: The finished area of the noncontinuous space(s)\nin the dwelling. If there are multiple noncontinuous areas in the dwelling,\nreport the total finished area.\n\n8.048\n\nFinish (Finished)\nRoom Summary\n\nRequired for each\nindicated Room Type\n\nNumber\n\nNumber of Rooms: The count of each Room Type that is in the noncontinuous\narea(s) of the dwelling. If there are multiple noncontinuous areas in the\ndwelling, report all rooms here.\n\n8.048\n\nFinish (Finished)\nRoom Summary\n\nRequired if\nNoncontiguous\nFinished Area Exists is\nYes\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nRoom Type: The original design of the room(s) that are in the noncontinuous\nspace(s) in the dwelling.\n•\nBath – Full\n•\nBath – Half\n•\nBedroom\n•\nBreakfast Room\n•\nDen\n•\nDining Room\n•\nFamily Room\n•\nKitchen\n•\nLaundry Room\n•\nLiving Room\n•\nLoft\n• Media Room\n• Mudroom\n•\n•\n•\n• Walk-In Pantry\n• Workshop\n•\n\nRecreation Room\nSunroom\nUtility Room\n\nOther (Describe)\n\nNote: Select the most applicable Room Type that fits the description of the\nroom. Examples:\n•\n•\n\nSelect Dining Room for dining areas.\nSelect Breakfast Room for breakfast areas or breakfast nooks.\n\nSee\niGuide\n\nNoncontinuous\nFinished Area\n\nPhoto or image\n\nIf relevant when\nNoncontinuous\nFinished Area Exists is\nYes\n\nPhoto(s) of the noncontinuous finished area may be provided, which display in\nDwelling Exterior Exhibits, with the caption “Noncontinuous Area”. An\nadditional caption must be provided including the room type, location, and any\nother descriptive information as appropriate.\n"}
diff --git a/chunks/json/3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565.json b/chunks/json/3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565.json
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index 0000000000000000000000000000000000000000..cd081cedc2d75a09536eb68d0ab26f2439efe516
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+++ b/chunks/json/3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1723,"char_start":0,"chunk_id":"chk_4fcd6c101d880371","chunk_index":0,"chunk_sha256":"3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ae065bd8686d7b0d","text_sha256":"3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA___Privacy___FHFA_bc0jek.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/foia-privacy\"\ndate_accessed: \"2026-01-27T17:47:56.074Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561.json b/chunks/json/38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561.json
new file mode 100644
index 0000000000000000000000000000000000000000..040bcfa432f7346a82081d9c7e21e4c43119cf7f
--- /dev/null
+++ b/chunks/json/38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":72337,"char_start":70690,"chunk_id":"chk_76ff86d221b02098","chunk_index":38,"chunk_sha256":"38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561","token_estimate":412,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"Whereas, FHFA has determined that\n\ncertain technical revisions to the data\nelements in the single-family and\nmultifamily matrices of the PUDB\nshould also be made to conform the data\nfields to long-standing PUDB data\nreporting practice, to provide greater\nclarity, or to conform to the new\nstatutory requirements;\n\nWhereas, the Enterprises were\n\nprovided with an opportunity to review\nand comment on proposed revisions to\nthe data fields in the single-family and\nmultifamily matrices of the PUDB, and\nFHFA has taken the Enterprises’\ncomments into consideration in\nadopting this Order;\n\nWhereas, FHFA requested that the\nEnterprises provide it with specific new\nmortgage data for inclusion in the PUDB\nin accordance with the requirements of\nHERA, and the Enterprises provided the\nspecific data that they currently collect;\nNow, therefore, it is hereby ordered as\n\nfollows:\n\n1. The data fields in the single-family\n\nand multifamily matrices of the PUDB\nare revised as set forth in the attached\nAppendix which is incorporated herein\nby reference;\n\n2. The Enterprises shall provide\n\nFHFA with the mortgage data required\nto populate the data fields described in\nthe single-family and multifamily\nmatrices in the Appendix; and\n\n3. This Order supersedes the HUD\nFinal Order of October 4, 2004 (69 FR\n59476) and shall be effective until such\ntime as FHFA determines that it is\nnecessary and/or appropriate to\nwithdraw or modify it.\n\nSigned at Washington, DC, this 1st day of\n\nJuly 2010.\nWanda DeLeo,\nActing Deputy Director for Housing Mission\nand Goals By delegation.\nDated: July 8, 2010.\n\nEdward J. DeMarco,\nActing Director, Federal Housing Finance\nAgency.\n"}
diff --git a/chunks/json/388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03.json b/chunks/json/388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03.json
new file mode 100644
index 0000000000000000000000000000000000000000..d2c5a1d8c2201dfa55b783044fe092acf42f66b7
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+++ b/chunks/json/388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":94839,"char_start":93227,"chunk_id":"chk_e9d90e7b60a6da93","chunk_index":52,"chunk_sha256":"388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Subject Loan / At\nConversion\n\nData about the Original\nLoan:\n Underwriting Data\n Product Derivation\n Product Features\n Conversion Rules\n Note Terms\n\nData about the Converted\nLoan:\n Product Derivation\n Note Terms\n\nConvertibleIndicator =\n“true” and LoanStateDate\n= NoteDate\n\nLoanStateDate =\nLatestConversionEffective\nDate\n\nSubject Loan / Current\n Data valid at the time of\n\ndelivery:\n\n Current Balances,\n\nRates, Option Status,\nPayment Status\n\n MI and Credit\n\nEnhancements\n Escrow Details\n GSE Transaction\n\nDetails\n\n Program Identifiers, IFIs\n\nConvertibleStatusType =\n“Exercised” and\nLoanStateDate = Date\ndata retrieved from\nsubmitter’s system\n\ne. Reset Balloon Loans. Note: This implementation of Loan State is For Future\n\nUse.\nIf the loan being delivered was originated as a balloon and the balloon reset option\nhas been exercised, the BalloonResetIndicator must have a value of “true.” The\nbusiness partner must deliver a LOAN container with a LoanStateType of\n“AtReset” and LoanStateDate equal to the BalloonResetDate to convey the data\npoints about the reset note terms and characteristics.\n\nFigure IV-12. LOAN Containers Required for Reset Balloon Loans.\n\nSubject Loan / At\nClosing\n\nData about the original\nloan:\n Underwriting Data\n Product Derivation\n Product Features\n Note Terms\n\nSubject Loan / At Reset\n\n Data about the reset\n\nloan:\n\n Product Derivation\n Note Terms\n\nBalloonIndicator = “true”\nLoanStateDate =\nNoteDate\n\nLoanStateDate =\nBalloonResetDate\n\nSubject Loan / Current\nData valid at the time of\ndelivery:\n Current Balances,\n\nRates, Option Status,\nPayment Status\n\n MI and Credit\n"}
diff --git a/chunks/json/38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751.json b/chunks/json/38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751.json
new file mode 100644
index 0000000000000000000000000000000000000000..af53154a2a9dc9f83036d81af5e9e89a14d0a7e7
--- /dev/null
+++ b/chunks/json/38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":98846,"char_start":97230,"chunk_id":"chk_7934aeadaf02b8e1","chunk_index":57,"chunk_sha256":"38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073*/465*\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075*/466*\n\n*FIELDS ARE LOCATED\nIN PRIOR SALE\nHISTORY SECTION\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nAppraisal Assignment Type\n\n• 1004 Hybrid/70H\n\nREQUIREMENT\n\n• 1004 Desktop/70D\n\nThe appraiser must select the type of\nassignment aligned with the applicable\nversion of scope of work/certification.\n\nHybrid\n\nDesktopAppraisal\n\nReporting Format:\nEnumerations are case sensitive, and\nappraiser can only select one of the values\nlisted above.\n\nAdditional\nComments\nSection\n\nPage 58 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nSubject Property Data Collection Date\nThe appraiser must enter the date property\ndata was collected from the subject property.\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\nREQUIREMENT\n\nFor DesktopAppraisal/PriorURAR the date is\nfrom prior appraisal (inspection date which =\nEffective Date)\nFor DesktopAppraisal/PriorHybrid the date is\nfrom PDR used in prior hybrid (inspection\ndate = date of PDR)\n\nReporting Format:\nDate of Property Data Collection – yyyy-mm-dd\nSubject Property Data Collection Date is not\napplicable for ‘DesktopAppraisal/Other’\n\nSubject Property Data Collection Method\n"}
diff --git a/chunks/json/38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af.json b/chunks/json/38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af.json
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index 0000000000000000000000000000000000000000..29129230e44671ef63b36deb4f771ce2aecc3f42
--- /dev/null
+++ b/chunks/json/38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5369,"char_start":3765,"chunk_id":"chk_71a56c8a2f172c30","chunk_index":2,"chunk_sha256":"38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"November 7\n\nUCD Critical Edits -\nPhase 3\nImplementation\n\nOn Nov. 7, 2022, the GSEs implemented UCD Phase 3 edits as warning-to-fatal severity. Lenders should review all feedback\nmessages returned by the UCD Collection Solution and resolve any issues, particularly for any Phase 3 edits showing a\nseverity of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ UCD report.\n\nSee the new Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3 edits. Please reference\n\n© 2022 Fannie Mae\n\nDecember 2022\n\nEffective\nDate\n\nImpacted Area\n\nOctober 21\n\n(evening)\n\nUCD Critical Edits -\nPhase 3\nImplementation\n\nDescription\n\nthe UCD Critical Edits Transition Resources page for additional resources.\nNOTE: Phase 3 Edits 3574, 3656 and 3657 will be implemented as warning-to-fatal severity by November 21.\n\nThe UCD Test Environment will be updated with Phase 3 edits that will have a fatal severity to mirror the May 2023 Phase 3\nimplementation.\n\nReview the new Phase 3 Edits tab in the UCD Edit Feedback Messages for a listing the Phase 3 edits.\n\nNOTE: Phase 3 Edits 3574, 3656 and 3657 will be implemented as fatal severity and edits 3570 and 3571 will be removed in\nthe UCD Test Environment by November 21.\n\nSeptember\n26\n\nUCD Critical Edits -\nPhase 2\nImplementation\n\nTo further refine UCD Phase 2 data quality, the following warning-to-fatal severity edit will transition to fatal severity:\n\nEdit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing\nAdjustment Item Detail container is required.\n"}
diff --git a/chunks/json/38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e.json b/chunks/json/38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e.json
new file mode 100644
index 0000000000000000000000000000000000000000..4283453a0452fc2f52509b04d9e052e03dec6f9c
--- /dev/null
+++ b/chunks/json/38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5227,"char_start":3586,"chunk_id":"chk_3e01ef391eb52202","chunk_index":2,"chunk_sha256":"38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"Significant Derogatory Credit Event Treatment\n\nPer the requirements of B3-5.3-07, Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit, an amount\nof time must elapse after a significant derogatory credit event before the borrower is eligible for a new loan salable to Fannie\nMae. When it does not appear that a borrower has met the waiting period requirements for a foreclosure or bankruptcy DU V. 12.0\nwill now issue an Ineligible recommendation (i.e., Approve/Ineligible) instead of a Refer with Caution recommendation.\n\nThe same change will be made on loan casefiles for a borrower whose credit report contains a mortgage tradeline that is 60 or\nmore days past due when the account was last reported.\n\nNote: No changes are being made to the waiting periods required for the significant derogatory credit events specified in the\nSelling Guide section referenced above.\n\nLoans for Borrowers without Credit Scores\n\nNo Borrower Has a Credit Score\n\nCurrently only certain transactions are permitted (e.g., principal residence, fixed-rate mortgage) when no borrower on the loan\napplication has a credit score. With the release of DU V. 12.0 we are expanding the types of loans eligible for these borrowers.\n\nDU will apply the following guidelines on loan casefiles where no borrower has a credit score:\n\nBorrower credit profile\n\n▪ No borrower has a credit score\n\n▪ At least one borrower has a minimum of one\ncredit account or installment account\nreported on their credit report\n\n▪ No borrower has a credit score.\n\n▪ No borrower has at least one credit account\nor installment account reported on their\ncredit report.\n"}
diff --git a/chunks/json/38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02.json b/chunks/json/38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02.json
new file mode 100644
index 0000000000000000000000000000000000000000..b892b57a5631e987c8381aa8d9b11a05def4ac6b
--- /dev/null
+++ b/chunks/json/38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8331,"char_start":7666,"chunk_id":"chk_6136bcbd8c830c38","chunk_index":10,"chunk_sha256":"38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02","token_estimate":590,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Appraiser Certifications ............................................................................................................................................................................................. 41\n\nSupervisory Appraiser Certifications.......................................................................................................................................................................... 44\n\nSignature .............................................................................................................................................................................................................................. 46\n"}
diff --git a/chunks/json/38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f.json b/chunks/json/38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f.json
new file mode 100644
index 0000000000000000000000000000000000000000..e9466630d1329c7476ab1da7d2d184db0b415adf
--- /dev/null
+++ b/chunks/json/38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":79591,"char_start":77988,"chunk_id":"chk_89fe6af9360dae00","chunk_index":47,"chunk_sha256":"38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"45\n\nCONTRACT\n\nDate of Contract\n\nSales Contract Date\n\nThe effective date of the sales\ncontract (e.g. the date of sale).\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT/@_Date\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\n46\n\n47\n\n48\n\nCONTRACT\n\nCONTRACT\n\nIs the property seller the\nowner of public record?\nYes\nIs the property seller the\nowner of public record?\nNo\n\nSeller Is Owner\nIndicator\n\nIndicates that the seller is the owner\nof the property.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT[@SellerIsOwnerIndicator='Y']\n\nSeller Is Owner\nIndicator\n\nIndicates that the seller is the owner\nof the property.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT[@SellerIsOwnerIndicator='N']\n\nCONTRACT\n\nContract\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe\nthe source of information.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT/@DataSourceDescription\n\n49\n\nCONTRACT\n\n53\n\n1\n\n50\n\nCONTRACT\n\n54\n\n1\n\n51a\n\nCONTRACT\n\nIs there any financial\nassistance (loan charges,\nsale concessions, gift or\ndown payment\nassistance, etc.) to be\npaid by any party on\nbehalf of the borrower?\nYes\n\nIs there any financial\nassistance (loan charges,\nsale concessions, gift or\ndown payment\nassistance, etc.) to be\npaid by any party on\nbehalf of the borrower?\nNo\n\nIf Yes, report the total\ndollar amount and\ndescribe the items to be\npaid.\n\nSales Concession\nIndicator\n\nIndicates that someone made\nconcessions for the current sales\ncontract.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT[@SalesConcessionIndicator='\nY']\n\nSales Concession\nIndicator\n\nIndicates that someone made\nconcessions for the current sales\ncontract.\n"}
diff --git a/chunks/json/38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497.json b/chunks/json/38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497.json
new file mode 100644
index 0000000000000000000000000000000000000000..b56076a48f711028ba0278d261b257cf09078c09
--- /dev/null
+++ b/chunks/json/38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":434186,"char_start":432565,"chunk_id":"chk_99889915a01e0bc5","chunk_index":336,"chunk_sha256":"38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 25.058.2).\n\nCost Approach – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata, specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nThere are three arcrole relationships supported in the Cost Approach section.\n\nIMPROVEMENT_COST_AND_DEPRECIATED_VALUE to IMPROVEMENT\n\n•\n• DATA_SOURCE to PROPERTY\n• DATA_SOURCE to COST_APPROACH\n\nIMPROVEMENT_COST_AND_DEPRECIATED_VALUE to IMPROVEMENT\n\nWhen the subject property has an improvement included in the cost approach, the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE\ncontainer should be linked to the subject instance of the IMPROVEMENT container to which the replacement/reproduction costs apply.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nUnique ID\n\nParent Container\n\nMISMO Attribute\nName\n\nSupported Attribute Enumerations\n\n1400.0255\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/IMPROVEMENT_COST_AND_DEPRECIATED_VALUE_IsAssociatedWith\n_IMPROVEMENT\n\n1400.0256\n\nRELATIONSHIP\n\n@xlink:from\n\nIMPROVEMENT_COST_AND_DEPRECIATED_VALUE_n\n\n1400.0257\n\nRELATIONSHIP\n\n@xlink:to\n\nIMPROVEMENT_n\n\n0300.0003\n\nIMPROVEMENT\n\n@xlink:label\n\nIMPROVEMENT_n\n\n1100.0037\n\nIMPROVEMENT_COST_AND_\nDEPRECIATED_VALUE\n"}
diff --git a/chunks/json/38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c.json b/chunks/json/38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c.json
new file mode 100644
index 0000000000000000000000000000000000000000..c7ce1c5440963cb2dabc4551aefd737b98f999eb
--- /dev/null
+++ b/chunks/json/38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":404343,"char_start":402672,"chunk_id":"chk_754dec1edb0874b5","chunk_index":239,"chunk_sha256":"38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c","token_estimate":418,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSubject Property Amenities Exhibits\n\nIf applicable\n\nPhotos or images\n\nSubject Property\nAmenities\nExhibits\n\nPhotos or images relevant to the Subject Property Amenities section may be\nprovided, which display in Subject Property Amenities Exhibits. If the photo or\nimage is not specifically indicated, provide a caption to further identify the\nphoto or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 171 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n15 Overall Quality and Condition\n\n15 Overall Quality and Condition\n\nThe Overall Quality and Condition section provides information about quality and condition for all dwellings and\nliving units. Exterior and Interior Quality and Condition (as applicable) are redisplayed here to provide context to\nthe Reconciliation of Overall Quality and Condition. Reference Appendix 2: Condition and Quality Rating\nDefinitions and published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance.\n\nOverall Quality and Condition\n\nOverall Quality and Condition reflects the “as is” value or any “subject to” items being completed, as reflected in\nthe Market Value Condition of the report (26.009).\n• For an \"as is\" appraisal, the overall condition reflects the current condition.\n• For a \"subject to\" appraisal, the overall condition rating reflects the condition as if all “subject to” items\n\nhave been completed.\n\nFor properties with more than one unit, Overall Quality and Condition represents the reconciliation of all\ndwellings and living units.\n"}
diff --git a/chunks/json/38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0.json b/chunks/json/38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0.json
new file mode 100644
index 0000000000000000000000000000000000000000..078265330e7a4165ad4e793cd468408915ef54e0
--- /dev/null
+++ b/chunks/json/38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":52127,"char_start":50528,"chunk_id":"chk_6a3f784168e60dce","chunk_index":27,"chunk_sha256":"38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"b. Single-Family and Multifamily Data\nField 4: MSA Code\n\nThis data field designates the\n\nMetropolitan Statistical Area (MSA)\nCode for the location of the property\nsecuring the Enterprise mortgage loan.\nConsistent with long-standing PUDB\ndata reporting practice, FHFA has\nrevised this data field in the single-\nfamily and multifamily Census Tract\nFiles to include a value ‘‘99999’’ for\nproperties located outside of an MSA\n(e.g., rural locations or micropolitan\nstatistical areas). In addition, consistent\nwith long-standing PUDB data reporting\npractice, FHFA has added in the matrix\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00048 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41187\n\nfor the Census Tract File a value entitled\n‘‘Other’’ for properties located in a\nspecific MSA, which would be\napplicable to any 5-digit number other\nthan 00000 (for missing property\nlocation) or 99999.\n\nc. Single-Family and Multifamily Data\nField 6: County—2000 Census\n\nThis data field designates the county\n\nlocation of the property securing the\nEnterprise mortgage loan. FHFA has\nrenamed the data field from ‘‘County—\n1990 Census’’ to ‘‘County—2000\nCensus,’’ as the Enterprises have\nreported 2000 Census geography since\n2003. The reference in this and other\ndata fields to the 2000 Census will be\nupdated to refer to the 2010 Census\nwhen applicable to a future PUDB.\n\nd. Single-Family and Multifamily Data\nField 7: Census Tract—2000 Census\n"}
diff --git a/chunks/json/38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9.json b/chunks/json/38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9.json
new file mode 100644
index 0000000000000000000000000000000000000000..00ee9e9cf12294fb72972ed467f3ac9abcc52fd5
--- /dev/null
+++ b/chunks/json/38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14834,"char_start":13188,"chunk_id":"chk_072c82b9c8031726","chunk_index":8,"chunk_sha256":"38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"Detail\nCarpet\n\nQuality Comment\nThroughout all bedrooms\nand living areas.\n\nCondition Status\nDamaged and Functional\n\nCondition Comment\nOriginal carpet, stained in\none corner in the Dining\nRoom.\n\nWalls and Ceiling\n\nCeramic Tile\n\nEngineered Wood\n\nAll baths.\n\nThroughout finished below\ngrade area.\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nHardwood\n\nKitchen and Hallways.\n\nTypical Wear and Tear\n\n8 Ft. | 9 Ft. | 10 or more feet |\n2 or more stories | Cathedral |\nCoffered | Flat\n\nCathedral ceiling in bedroom,\n2 story family room, coffered\nceiling in media room. 9 foot\nceiling in 1st level.\n\nTypical Wear and Tear\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nAccessibility Features for Individuals with Disabilities\n\nFeature\nShower\n\nComment\nThe shower has been modified.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 8 of 21\nPage 8 of 21\n\nUnit Interior (continued)\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nFlooring\n\nLocation\nDining Room\n\nDescription\nCarpet is stained in one corner of the Dining\nRoom.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nUnit Interior Commentary\n\nThe below grade area has a custom finished wet bar including wood cabinets and countertops. Media room has custom cabinetry for speakers\nand media devices.\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Half\n\nLevel B1 - Media Room\n\nThis is where the Half Bathroom photo would display.\n"}
diff --git a/chunks/json/38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf.json b/chunks/json/38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf.json
new file mode 100644
index 0000000000000000000000000000000000000000..a6374041ea60e3695f857cecbaf2b0148232867d
--- /dev/null
+++ b/chunks/json/38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9976,"char_start":8309,"chunk_id":"chk_d621f6cf2b22103b","chunk_index":5,"chunk_sha256":"38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf","token_estimate":417,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf"]},"text":"09.022\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics\nof the area where the property is located.\n\n09.033\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n09.034\n\n4. I accept full responsibility for this certification of completion.\n\nCompletion Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nCompletion Report\n\nHF.001\n\nPage [Page] of [Pages]\n\n09.035\n\n09.036\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n09.023\n\nAdditional Supervisory Appraiser Certifications\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n"}
diff --git a/chunks/json/38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e.json b/chunks/json/38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e.json
new file mode 100644
index 0000000000000000000000000000000000000000..c585eb66c9dfcea5abe152dde89981d2fb57d9d8
--- /dev/null
+++ b/chunks/json/38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13464,"char_start":12791,"chunk_id":"chk_82ffdbe1cb43f6e7","chunk_index":10,"chunk_sha256":"38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e","token_estimate":558,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Definition of xLink and MISMO Implementation ....................................................................................................................................................................... 29\n\nBusiness Requirements Met by Using xLink in the UAD Delivery File ........................................................................................................................................ 30\n\nKey Concepts ......................................................................................................................................................................................................................................... 32\n"}
diff --git a/chunks/json/38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831.json b/chunks/json/38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831.json
new file mode 100644
index 0000000000000000000000000000000000000000..74e36944c820d09c900fdc199c67ae866f6a392e
--- /dev/null
+++ b/chunks/json/38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":593626,"char_start":591973,"chunk_id":"chk_e47c60f3f6ccaaed","chunk_index":350,"chunk_sha256":"38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\n387\n\n3\n\ne-25\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Data Source\nDescription\n\nA data source used for information about\nthe sale and characteristics of the\ncomparable property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEDataSourceDescription\n\nData Point Field\nLength\n\nFormat\n\n27\n\nString\n\n388\n\n389\n\n3\n\n3\n\ne-2\n\n58\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Days On\nMarket Description\n\nThe total number of continuous days from\nthe date that a property is listed or\nadvertised for sale through the date that it\nis taken off the market or contracted for\nsale.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEDaysOnMarketDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nVerification Source(s)\n\nData Source\nVerification\nDescription\n\nA free-form text field used to describe or\ncomment on methods or other sources\nused to verify the accuracy of the data\nsource referenced in Data Source\nDescription.\n"}
diff --git a/chunks/json/391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654.json b/chunks/json/391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654.json
new file mode 100644
index 0000000000000000000000000000000000000000..864ed2b607ae1d878762d85bba8b7a281dbdd882
--- /dev/null
+++ b/chunks/json/391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1506,"char_start":0,"chunk_id":"chk_2a7e01dba9c13085","chunk_index":0,"chunk_sha256":"391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654","date_utc":"2026-01-27T18:02:34+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c93b75ebf15c6aa7","text_sha256":"391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654","token_estimate":377,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/compliance-api-product-factsheet.pdf"]},"text":"Key Benefits\n\n� Detects validation errors earlier.\n\n� Can be used for testing of the UAD 3.6\nXML in lower environments and for\ndata validation in production.\n\n� Faster speed to market of UAD 3.6.\n\n� Lowers implementation cost for the\n\nappraisal report vendors.\n\n� Fewer resubmissions, and a faster\n\ndelivery process for lenders and agents.\n\nUniform Appraisal Dataset\n(UAD) Compliance API\n\nWhat is the UAD Compliance API?\n\nThe Uniform Appraisal Dataset (UAD) Compliance application\n\nprogramming interface (API) serves as a source of validation to\n\nensure appraisal reports are UAD compliant. The API detects errors\n\nand gives appraisers control over the data quality by providing\nvalidation at data entry before submission to the Uniform Collateral\n\nData Portal (UCDP).\n\nHow it Works\n\nThrough the API System-to-System (S2S) connection, you will\n\nsubmit the UAD 3.6 XML. The API performs the following validations:\n\n� XML is well-formed.\n\n� XML passes the UAD 3.6 schema validation.\n\n� Verifies required-ness, data type, and format.\n\nIf errors are detected, the API returns feedback messages that can\n\nbe corrected before submission to the UCDP.\n\nTo view the rules and additional feedback messages to deliver\n\nthe XML in compliance with UAD Delivery Specification, access\nAppendix H-1: UAD Compliance Rules.\n\nGetting Started\n\nContact your Fannie Mae Strategic Alliance Manager for more\n\ninformation on the UAD Compliance API and guidance on how\n\nto get started.\n\n© 2024 Fannie Mae. Trademarks of Fannie Mae.\n"}
diff --git a/chunks/json/392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6.json b/chunks/json/392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..faf10cf972822ef684d77ef4af73a82d22f01c35
--- /dev/null
+++ b/chunks/json/392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":604734,"char_start":602765,"chunk_id":"chk_356ba83f666777ef","chunk_index":348,"chunk_sha256":"392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6","token_estimate":493,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Scope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n\nIntended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nDefinition of Market Value\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition\nis the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller\nare typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best\ninterest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of\nfinancial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special\nor creative financing or sales concessions* granted by anyone associated with the sale.\n"}
diff --git a/chunks/json/393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb.json b/chunks/json/393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb.json
new file mode 100644
index 0000000000000000000000000000000000000000..ce2e553343e4d515f279b571055e7a9981859f27
--- /dev/null
+++ b/chunks/json/393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":204878,"char_start":203084,"chunk_id":"chk_b4cae878a3696a9e","chunk_index":119,"chunk_sha256":"393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb","token_estimate":449,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates whether the actual age is estimated.\n\n1\n\nBoolean\n\nPDF Display Format:\nIf 'Y' then display a tilde (~) before the value entered.\nIf 'N' then display nothing for Boolean response.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nR\n\nR\n\nThis field is required if the value of field e-6\n(GSE View Type) is 'Other'.\n\nCR\n\nCR\n\nCR\n\nT\n\nR\n\nR\n\nT\n\nR\n\nR\n\nT\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 53 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n264\n\n2\n\n26\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\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='0']/S\nALE_PRICE_ADJUSTMENT[@_Type='Age']/\n@_Description\n\n265\n\n2\n\n27\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEOverallConditionType\n"}
diff --git a/chunks/json/393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87.json b/chunks/json/393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87.json
new file mode 100644
index 0000000000000000000000000000000000000000..cbd358a86e4df18f5d217010df01ac82336cb499
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+++ b/chunks/json/393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":300379,"char_start":298719,"chunk_id":"chk_84d6d9a0fc5b94a3","chunk_index":161,"chunk_sha256":"393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Page 136 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nTable 99. Initial Escrow Payment at Closing Line Items\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nThird Instance of ESCROW_ITEM\n\n8.13.1 Property Taxes ($ per\n\nmonth for # mo.)\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_DETAIL\n\nEscrowCollectedNum\nberOfMonthsCount\n\n2\n\nROF as “for 2 mo.”\n\n8.13\n\nUID\n8.822\n\n8.13.1\n\nProperty Taxes\n\nEscrowItemType\n\nCountyPropertyTax\n\n@gse:DisplayLabelTe\nxt\n\nProperty Taxes\n\nROF as “Property\nTaxes”\n\nProperty Taxes ($ per\nmonth for # mo.)\n\nEscrowMonthlyPaym\nentAmount\n\n105.30\n\nROF as “$105.30 per\nmonth”\n\n8.13 N/A - XML\n\n8.13.4 Seller-Paid At Closing\n\n($)\n\n8.13.4 Seller-Paid\n\n8.13.2 At Closing\n\n8.14.1 Condominium Dues\n\n($ per month for #\nmo.)\n\n8.14\n\nUID\n8.823\n\n8.14.1\n\nCondominium Dues\n\nCondominium Dues\n($ per month for #\nmo.)\n\n8.14 N/A - XML\n\nIntegratedDisclosure\nSectionType\n\nInitialEscrowPayment\nAtClosing\n\nNot Shown\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_PAYME\nNTS/ESCROW_ITEM_\nPAYMENT\n\nEscrowItemActualPay\nmentAmount\n\n210.60\n\nEscrowItemPayment\nPaidByType\n\nSeller\n\nROF as “$210.60”\n\nROF as “Seller-Paid”\n\nEscrowItemPayment\nTimingType\n\nAtClosing\n\nFourth Instance of ESCROW_ITEM\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_DETAIL\n\nEscrowCollectedNum\nberOfMonthsCount\n\n4\n\nROF as “for 4 mo.”\n\nEscrowItemType\n\nCondominiumAssocia\ntionDues\n\n@gse:DisplayLabelTe\nxt\n\nCondominium Dues\n\nROF as\n“Condominium\nDues”\n\nEscrowMonthlyPaym\nentAmount\n\n50.00\n\nIntegratedDisclosure\nSectionType\n\nInitialEscrowPayment\nAtClosing\n\n8.14.2 Borrower-Paid At\nClosing ($)\n\n8.14.2 Borrower-Paid\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_PAYME\nNTS/ESCROW_ITEM_\nPAYMENT\n"}
diff --git a/chunks/json/3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562.json b/chunks/json/3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562.json
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index 0000000000000000000000000000000000000000..8babbc5840602c074508b6852d9543814603070e
--- /dev/null
+++ b/chunks/json/3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562.json
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+{"chunk":{"char_end":1195613,"char_start":1194009,"chunk_id":"chk_60259b44fe20facf","chunk_index":710,"chunk_sha256":"3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Gross Living Area Only\nGross Living Area (GLA) must be reported in square feet.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the square footage in whole numbers only, no\ncommas. If there is no basement, a value of zero (0) must be entered.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the finished square footage in whole numbers\nonly, no commas. If 0% finished, a value of zero (0) must be entered.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n12\n\nEnumerated\n\nAllowable Values PDF Display\nWalkOut wo\nWalkUp wu\nInteriorOnly in\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished recreation rooms in the basement.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"}
diff --git a/chunks/json/39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b.json b/chunks/json/39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b.json
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index 0000000000000000000000000000000000000000..e402d5f846a82e233841f90ecdbc0e4420aa20e4
--- /dev/null
+++ b/chunks/json/39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b.json
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+{"chunk":{"char_end":276894,"char_start":275252,"chunk_id":"chk_5bb9bac2506ac89d","chunk_index":161,"chunk_sha256":"39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/OTHER_FEATURE_ADJUSTMENT[@Prope\nrtyFeatureSequenceIdentifier='2']/@PropertyFeat\nureDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/OTHER_FEATURE_ADJUSTMENT[@Prope\nrtyFeatureSequenceIdentifier='2']/@PropertyFeat\nureAdjustmentAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/OTHER_FEATURE_ADJUSTMENT[@Prope\nrtyFeatureSequenceIdentifier='3']/@PropertyFeat\nureDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/OTHER_FEATURE_ADJUSTMENT[@Prope\nrtyFeatureSequenceIdentifier='3']/@PropertyFeat\nureAdjustmentAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\nand\n@SalesPriceTotalAdjustmentPositiveIndicator='\nY']\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-92 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-\n86, 2-88, 2-90, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\n20\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n"}
diff --git a/chunks/json/3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f.json b/chunks/json/3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f.json
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index 0000000000000000000000000000000000000000..4304178fb78eb8bfe5083dc447c0f5aaa78d716c
--- /dev/null
+++ b/chunks/json/3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":919534,"char_start":917929,"chunk_id":"chk_85fb3e8f4763ec08","chunk_index":546,"chunk_sha256":"3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Location Adjustment\n\nLeasehold/Fee Simple\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='Location']/@_Amount\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='PropertyRights']/@_Description\n\nLeasehold/Fee Simple Adjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='PropertyRights']/@_Amount\n\n404\n\n3\n\n69\n\nSALES\nCOMPARISON\nAPPROACH\n\nHOA Mo. Assessment\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='MonthlyFacilityFee']/@_Description\n\n405\n\n3\n\n70\n\nSALES\nCOMPARISON\nAPPROACH\n\nHOA Mo. Assessment Adjustment\n\nSale Price\nAdjustment Amount\n"}
diff --git a/chunks/json/39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e.json b/chunks/json/39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e.json
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+{"chunk":{"char_end":15935,"char_start":15708,"chunk_id":"chk_86640e3ce44b0d00","chunk_index":9,"chunk_sha256":"39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e","token_estimate":57,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf","below_target_min_tokens"]},"text":"MBS Seller 2005\n\nIn addition, FM Connect is publishing a new section, MBS Seller Aug 2025, to ensure we provide\nall relevant fields from the reports we are retiring. This report is available now.\n\n© 2025 Fannie Mae Page 6 of 6\n"}
diff --git a/chunks/json/39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7.json b/chunks/json/39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7.json
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index 0000000000000000000000000000000000000000..bc24ee487e890da91e0d787d20284913eae42a69
--- /dev/null
+++ b/chunks/json/39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":110534,"char_start":108877,"chunk_id":"chk_90a93b04ef32a46f","chunk_index":64,"chunk_sha256":"39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Note: The estimated effective age may be close to or equal to its actual age. It reflects a\nproperty in which some of the short-lived building components have been replaced, and\nsome short-lived building components are at or near the end of their physical life\n\nPage 64 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nexpectancy; however, they still function adequately. Most minor repairs have been\naddressed on an ongoing basis resulting in an adequately maintained property.\n\nC5: The improvements feature obvious deferred maintenance and are in need of some\nsignificant repairs. Some building components need repairs, rehabilitation, or updating. The\nfunctional utility and overall livability are somewhat diminished due to condition, but the\ndwelling remains useable and functional as a residence.\n\nNote: Some significant repairs are needed to the improvements due to the lack of adequate\nmaintenance. It reflects a property in which many of its short-lived building components are\nat the end of or have exceeded their physical life expectancy but remain functional.\n\nC6: The improvements have substantial damage or deferred maintenance with deficiencies\nor defects that are severe enough to affect the safety, soundness, or structural integrity of the\nimprovements. The improvements are in need of substantial repairs and rehabilitation,\nincluding many or most major components.\n"}
diff --git a/chunks/json/39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0.json b/chunks/json/39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0.json
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index 0000000000000000000000000000000000000000..7d5b59b8826d847d7bedb1dbd7dab2fc872804c3
--- /dev/null
+++ b/chunks/json/39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0.json
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+{"chunk":{"char_end":31310,"char_start":30810,"chunk_id":"chk_89b4e410e8f9bb38","chunk_index":44,"chunk_sha256":"39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0","token_estimate":464,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"05 Disaster Mitigation .......................................................................................................................................................................................................................... 141\n\nOverview ................................................................................................................................................................................................................................................ 141\n"}
diff --git a/chunks/json/39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b.json b/chunks/json/39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b.json
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index 0000000000000000000000000000000000000000..f59cc25a9c21c8077c2f9fe057cb2d64f0e90197
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+++ b/chunks/json/39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b.json
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+{"chunk":{"char_end":56196,"char_start":54589,"chunk_id":"chk_bf8e36f93b9d51fc","chunk_index":32,"chunk_sha256":"39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Interest Rate at\nOrigination\nNote Amount\n\n99.000 = Missing/not available\n\n999999999 = Not available\n\nThe PUDB binning differs from the CFPB bins\nfor the HMDA dataset (25-49 and 50-99) in\norder to allow alignment with FHFA’s\nregulatory definition of ‘‘small multifamily\nproperty’’ as “at least 5 dwelling units but no\nmore than 50 dwelling units” in 12 CFR\n1282.1.\n\nNote amount is reported as the midpoint for\nthe $10,000 interval into which the reported\nvalue falls to conform with CFPB Privacy\nGuidance.\nProperty value is reported as the midpoint for\nthe $10,000 interval into which the reported\nvalue falls to conform with CFPB Privacy\nGuidance.\nMonths\n\n42\n\n23\n\n9\n\nproperty_value\n\nProperty Value\n\n999999999 = Not available\n\nterm_prepay_penalty\n\nPrepayment Penalty Term 999 = Missing/not available\n\nballoon\n\nio\n\nNon-fully Amortizing\nFeature - Balloon\nNon-fully Amortizing\nFeature – Interest-only\n\n1 = Balloon payment\n9 = Not applicable/missing\n1 = Interest-only payments\n9 = Not applicable/missing\n\n24\n\n25\n\n26\n\n3\n\n1\n\n1\n\nMF CTF\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n27\n\n28\n\n29\n\n1\n\n3\n\nneg_am\n\nnon_amort_other\n\nNon-fully Amortizing\nFeature – Negative\nAmortization\nNon-fully Amortizing\nFeature - Other\n\n1 = Negative Amortization\n9 = Not applicable/missing\n\n1 = Other non-fully amortizing features\n9 = Not applicable/missing\n\nafford_units_pct\n\nMultifamily Affordable\nUnits - Percent\n\n999 = Missing/not available\n"}
diff --git a/chunks/json/39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb.json b/chunks/json/39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb.json
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index 0000000000000000000000000000000000000000..71eb54ba92e3f5f176e5e7ef33563728f7dcfb9d
--- /dev/null
+++ b/chunks/json/39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4970,"char_start":3341,"chunk_id":"chk_b44f73bd4770ecef","chunk_index":2,"chunk_sha256":"39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb","token_estimate":408,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Total Estimated Cost of Items\nRecommended for Repair\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n\nTotal Cost\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nProperty Valuation Method\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nSeller Name\nCurrent Owner of Public Record\n\nContact Information\n\n[Role]/[Role]\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nSignificant Real Property Appraisal Assistance\n\nName\n\nDescription\n\nProperty Data Report\n\nName\nOccupation\nCompany Name\nCompany Address\nReference ID\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nAssignment Information and Scope of Work Commentary\n"}
diff --git a/chunks/json/39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967.json b/chunks/json/39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967.json
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index 0000000000000000000000000000000000000000..0c4437ea8183feb2cebd89d526088d8d1901a80a
--- /dev/null
+++ b/chunks/json/39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3328,"char_start":1693,"chunk_id":"chk_a0c7b6d4ac95f954","chunk_index":1,"chunk_sha256":"39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e92a533ee2f09e32","text_sha256":"39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-ucd-release-notes.pdf"]},"text":"See the Loan Delivery Quality Mortgage Edits Job Aid for additional information on the current Loan Delivery edits. A new\nUCD job aid with additional information on the new tab will be available in January 2024.\n\n© 2023 Fannie Mae 12.14.23 Page 1 of 5\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted Area\n\nNovember 6\n\nUCD Critical Edits –\n\nPhase 3B Edit\nImplementation\n\nOn Nov. 6, 2023, the GSEs will transition UCD Phase 3B edits to fatal severity. Lenders should review all feedback\nmessages returned by the UCD Collection Solution and resolve any issues, particularly for any Phase 3B edits showing\na severity of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ UCD report.\n\nDescription\n\nSee the Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3B edits. Please reference the\nUCD Critical Edits Transition Resources page for additional resources.\n\nNovember 4\n\nMaintenance\nWindow Change\n\nStarting Nov. 4, the maintenance window for the UCD Collection Solution will change to align with other Delivery application\nmaintenance windows. The UCD Collection Solution will now be available every day, 24 hours a day, except from 5 p.m. ET\nSaturday to 8 a.m. ET Sunday due to maintenance.\n\nOctober 30\n\nUCD Edit\nUpdates\n\nOn Oct. 30, the following changes will be made in UCD to align with existing Uniform Loan Delivery Dataset (ULDD)\nrequirements:\n\n• Warning edit 3124: Remove “PMI | RMIC | Triad | CAHLIF | RMIC-NC | Genworth | MDHousing” as valid enumerations for\n\nMI Company Name Type and MI Company Name Type Other Description.\n\n• Warning edit 3175 will be deactivated.\n"}
diff --git a/chunks/json/39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8.json b/chunks/json/39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8.json
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index 0000000000000000000000000000000000000000..12dd1e5859618504e7e90c29facd444c1bc1c7bb
--- /dev/null
+++ b/chunks/json/39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8.json
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+{"chunk":{"char_end":18767,"char_start":17094,"chunk_id":"chk_af1be78d793af93d","chunk_index":16,"chunk_sha256":"39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n7\n\nThe DU Spec includes the following Parent Containers within EXTENSION containers:\n\n• DU:BORROWER_FEATURE\n• DU:CONSTRUCTION_EXTENSION\n• DU:EMPLOYMENT_EXTENSION\n• DU:LOAN_DETAIL_EXTENSION\n• DU:PROPERTY_VALUATION_DETAIL_EXTENSION\n• DU:UNDERWRITING_VERIFICATION\n• ULAD:ASSET_DETAIL_EXTENSION\n• ULAD:DECLARATION_DETAIL_EXTENSION\n• ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION\n• ULAD:HMDA_ETHNICITY\n• ULAD:HMDA_RACE_DESIGNATION_EXTENSION\n• ULAD:LANGUAGE_EXTENSION\n• ULAD:URLA_TOTAL_EXTENSION\n• ULAD:QUALIFICATION_EXTENSION\n\nData points within Extension containers have to be in alphabetical order\nThe loan application submission is based on the MISMO Reference Data Model, and DU expects that\ndata points and attributes in this file are in alphabetical order. This means that the XML Submission file\nmust comply with alphabetical order for data points within extension containers as well. For example,\nULAD:LanguageCodeOtherDescription and ULAD:LanguageRefusalIndicator must be placed in\nalphabetical order to avoid schema errors.\n\nUnderstanding Fannie Mae’s DU Spec\nThe implementation of the DU Spec to create a Loan Application Submission file for DU requires\nfamiliarity with the MISMO v3.4 XML Schema and its corresponding LDD. The DU Spec is based on the\nstructures and definitions in the schema as well as the LDD documents and provides specific information\non how to create the XML file for DU.\n\nNavigating the Fannie Mae DU Spec\nThe DU Spec is organized in named tabs in a Microsoft Office Excel workbook. The following is a list of\nthe tabs and a brief description, where necessary, in the DU spec:\n"}
diff --git a/chunks/json/39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46.json b/chunks/json/39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46.json
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index 0000000000000000000000000000000000000000..3ede29a043f326f06cffa28257078eb4d03223a0
--- /dev/null
+++ b/chunks/json/39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46.json
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+{"chunk":{"char_end":1137087,"char_start":1135483,"chunk_id":"chk_f9cd53296426b421","chunk_index":675,"chunk_sha256":"39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-6\n(GSE View Type) is ‘Other’.\n\nCR\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 189 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n246\n\n2\n\n25\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\n247\n\n2\n\ne-17\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nGSE Age Estimation\nIndicator\n\nIndicates if the age of the property is\nestimated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEQualityOfConstructionRatingType\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEAgeEstimationIndicator\n\n248\n\n2\n\n26\n\nSALES\nCOMPARISON\nAPPROACH\n"}
diff --git a/chunks/json/39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19.json b/chunks/json/39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19.json
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index 0000000000000000000000000000000000000000..ca46a120ec6323d220968218537f325aae1b928b
--- /dev/null
+++ b/chunks/json/39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":441618,"char_start":440002,"chunk_id":"chk_10a8ec0875e685a5","chunk_index":246,"chunk_sha256":"39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"project,\n\n• managing the completion escrow account in which improvement funds are held, and\n• monitoring the completion of the HomeStyle Refresh improvement work.\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 179 of 166\n\nUAD 3.6 Policy\n\nThe lender must establish a completion escrow for incomplete improvements. The improvements must be completed no\nlater than 180 days from the date of the mortgage note. For requirements related to the completion of the postponed\nimprovements, including escrow accounts, disposition of funds after work completion, and title reports, see the applicable\ntable in B4-1.2-05, Requirements for Verifying Completion and Postponed Improvements.\n\nIn the event a renovation project exceeds 180 days, the lender must submit this information to Loan Quality Connect to\ndescribe the circumstances resulting in the delay and determine potential remedies. Recourse shall remain until proof of\ncompletion has been provided. If a loan experiences a serious delinquency (120+ days) while under recourse, the loan will be\nsubject to repurchase.\n\nThe lender may fund up to 50% of the total planned renovation costs at closing with an initial draw. A portion of the initial\ndraw may be used to pay for permits, architect fees, and design or planning expenses that were incurred during the initial part\nof the project.\n\nThe lender must maintain a copy of all documentation in the individual loan file that supports the improvement work, such as\nthe, “as completed” appraisal, home improvement contract, certification of completion, and title insurance endorsements or\nupdates (if applicable).\n"}
diff --git a/chunks/json/39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476.json b/chunks/json/39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476.json
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index 0000000000000000000000000000000000000000..3b0c0fa5f345cf11267749b4a67b5ca887347257
--- /dev/null
+++ b/chunks/json/39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":510007,"char_start":508396,"chunk_id":"chk_38cea9614b631939","chunk_index":294,"chunk_sha256":"39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser 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 19 of 23\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Sales Comparable Map would display.\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 20 of 23\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$775,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$770,000\n$775,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n60-90 Days\n09/08/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\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"}
diff --git a/chunks/json/3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02.json b/chunks/json/3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02.json
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index 0000000000000000000000000000000000000000..4eee9ea317985033437d2247016ffe9a0ec26cda
--- /dev/null
+++ b/chunks/json/3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":421053,"char_start":419367,"chunk_id":"chk_d4785939b77e89ec","chunk_index":249,"chunk_sha256":"3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02","token_estimate":422,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The actual graphs are displayed in Market Exhibits with the Market Graph\nType.\nOther graphs that are not in this list may be included in Market Exhibits,\nand a caption must be provided to identify the graph.\n\n17.018 Price Trend\n\nAlways required\n\nFree-form\n\nThe source(s) that the appraiser used to determine price trends.\n\nSource\n\n17.019 Price Trend\n\nAnalysis\nCommentary\n\nRequired if there is no\nPrice Trend Graph, or\nif relevant\n\nFree-form\n\nPrice Trend Analysis Commentary must include how price trends were\ndetermined, including reconciliation if multiple sources used.\n\nAppendix F-1: URAR Reference Guide\n\nPage 179 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n17 Market\n\nAllowable Answer\n\nAbsorption Rate\n\nMarket Graph Type (Choose all that apply)\n\nDefinition / Additional Guidance\n\nA graph representing the rate in which homes are sold in the defined market area using the appraiser’s Lookback\nPeriod. This graph may represent Absorption Rate (Number of Settled or Pending Sales divided by Number of Months) and\n/ or the Months of Housing Supply (Number of Listings divided by Absorption Rate).\n\nMedian Days on Market\n\nA graph representing the median number of days properties are listed in the defined market area. A median value is\ndefined as a value lying at the midpoint of a frequency of observed values.\n\nPercent of Distressed Sales\n\nA graph representing the percentage of distressed sales (e.g., foreclosure, REO, short sale) in the defined market area\nusing the appraiser’s Lookback Period.\n\nPrice Trend\n\nYear Built of Sales\n\nHousing Trends\n\nA graph representing the trend of sale and / or listing prices in the defined market area using the appraiser’s Lookback\nPeriod.\n"}
diff --git a/chunks/json/3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d.json b/chunks/json/3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d.json
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index 0000000000000000000000000000000000000000..781519b3b95ec48bf2cb842eb85a044704049ffd
--- /dev/null
+++ b/chunks/json/3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6766,"char_start":4927,"chunk_id":"chk_8e43c2552455b438","chunk_index":3,"chunk_sha256":"3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24862b5b8723cb88","text_sha256":"3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d","token_estimate":460,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-april-2021.pdf"]},"text":"5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n\n5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n\n5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n\n5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n\nList\n\nList\n\nList\n\nList\n\nList\n\nList\n\nList\n\nVendor Match\n\nEmployer Name in Rep\n\nVendor Match\n\nEmployer Name(s) in Rep\n\nVendor Match\n\nIncome Source from Rep\n\nVendor Match\n\nIncome Source from Rep\n\nVendor Match\n\nIncome Source from Rep\n\nVendor Match\n\nEmployer Name in Rep\n\nVendor Match\n\nIncome Source from Rep\n\n* NOTE: Message 3305 has been suspended temporarily due to COVID-19. Changes will be applied when employment validation is reinstated.\n\nUpdated Reason Code Text\n\nThe text for a reason code will be updated as defined below.\n\nMessage ID\n\nCurrent Reason Code Text\n\nNew Reason Code Text\n\n3307\n\nEmployer name in VOE doesn't match employer name in DU\n\nEmployer in DU doesn't match employer(s) in VOE report;\nreview the employer name(s) on the VOE report\n\nDU XML Codified Findings – Message Text (Sample)\n\n<Message MessageIdentifier=\"3307\" MessageSeverityTypeCode=\"5\" MessageCategoryTypeCode=\"5\">\n <LenderMessageText>\n <Line MessageText=\"DU could not validate borrower employment shown below for the reason provided.\"/>\n <TableRow>\n <Column MessageText=\"Borrower \"/>\n <Column MessageText=\" DU Employer \"/>\n <Column MessageText=\" Vendor and Rep Type \"/>\n <Column MessageText=\" Rep ID \"/>\n <Column MessageText=\" Employer Name(s) in Rep\"/>\n <Column MessageText=\"Reason\"/>\n </TableRow>\n <TableRow>\n <Column MessageText=\"Lorraine Purchaser\"/>\n <Column MessageText=\"Enterprise USA\"/>\n <Column MessageText=\"Missing\"/>\n <Column MessageText=\"Missing\"/>\n <Column MessageText=\"Missing\"/>\n <Column MessageText=\"Employer name in VOE doesn't match employer name in DU Employer in DU doesn't match\nemployer(s) in VOE report; review the employer name(s) on the VOE report”\n\"/>\n </TableRow>\n"}
diff --git a/chunks/json/43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb.json b/chunks/json/43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb.json
new file mode 100644
index 0000000000000000000000000000000000000000..8339d7a5239c17985e053c38afe1f0d40c4d7af4
--- /dev/null
+++ b/chunks/json/43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":165790,"char_start":164182,"chunk_id":"chk_68ea76bcf5049fad","chunk_index":93,"chunk_sha256":"43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Lenders must ensure the escrow account is a custodial account that satisfies Fannie Mae’s criteria for custodial\naccounts and depositories as outlined in Servicing Guide, A4-1-02, Establishing Custodial Bank Accounts.\n\nLenders and borrowers must execute an escrow agreement that states how the escrow account will be managed\nand how funds from the escrow account will be disbursed.\n\nThe completion escrow may not adversely affect the mortgage insurance or title insurance.\n\nAfter a satisfactory Completion Report or completion alternative is obtained, the lender must release the final\ndraw from the escrow account, which should include any funds in excess of the amount needed to pay for\ncompletion of the postponed items.\n\nLenders must obtain a final title report, which must not show any outstanding mechanic’s liens, take any\nexceptions to the postponed improvements, or take any exceptions to the escrow agreement. If the final title\nreport is issued before the completion of the improvements, lenders must obtain an endorsement to the title\npolicy that ensures the priority of Fannie Mae’s lien.\n\nRequirements for HomeStyle Refresh Improvements on Existing Construction\n\nThe table below provides the postponed improvement requirements for a HomeStyle Refresh loan.\n\n✓\n\nRequirements for HomeStyle Refresh Improvements on Existing Construction\n\nLoans may be sold before the improvements are complete; however, the postponed improvements must be\ncompleted within 180 days of the note date. Acceptable postponed items include items that will not prevent\nthe issuance of an occupancy permit.\n\nUAD 3.6 Policy\n"}