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chunks/txt/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.txt

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+Submit 2.6 or Submit 3.6
+
+Submit 3.6 Only
+
+November 18, 2024 –
+Redesigned Uniform
+Residential Appraisal
+Report (URAR) industry
+training available on
+GSE websites
+
+June 4, 2025 – GSEs
+publish policy updates
+
+September 8, 2025 – Fannie Mae and Freddie
+Mac can accept both UAD 2.6 and 3.6
+
+July 28, 2025 – ULDD
+Mandate: Lenders must
+deliver ULDD Phase 5
+data points prior to
+using UAD 3.6
+
+*Limited Production Participants - Lenders who
+have submitted the UAD Questionnaire and
+received GSE approval will have controlled access
+to submit 3.6 to Uniform Collateral Data Portal
+(UCDP)
+
+January 26, 2026 – All Lenders may begin
+submitting to the GSEs’ production environment
+without prior GSE approval
+
+November 2, 2026 –
+Lenders must use UAD
+3.6 for all new
+submissions on or after
+this date
+
+Revisions allowed for
+previously submitted
+UAD 2.6 appraisals
+
+2.6 Pipeline
+Cleared
+
+May 3, 2027 – UAD
+2.6 Pipeline
+revisions period
+ends
+
+2024 and beyond
+
+April 2025 | 20
+
+GSE-Provided Training
+
+User’s Guide to the New Uniform Residential Appraisal Report (URAR)
+
+Available on the GSE websites. This training is focused on how to read the new reports and when data displays.
+
+Learning Objectives:
+
+• Explore the dynamic appraisal reports (URAR, Appraisal Update Report, and Completion Report) and the
+
+transition to eliminate property type-specific forms
+
+• Become familiar with the new reporting features of the appraisal reports
+
+• Learn the basics of the new UAD
+
+• Examine expanded data requirements
+
+• Understand your responsibilities in the new appraisal reporting process
+
+April 2025 | 21
+
+Additional Resources

chunks/txt/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.txt

@@ -0,0 +1,13 @@
+### **Will FHFA pursue further changes to the Enterprises’ credit score or credit reporting requirements?**
+
+FHFA continues to assess opportunities to lower costs for consumers, promote robust competition, and spur innovation – all while ensuring ongoing safety and soundness at the Enterprises.
+
+[Fannie Mae Credit Score Transition Page](https://singlefamily.fanniemae.com/originating-underwriting/credit-score-models)
+
+[Freddie Mac Credit Score Transition Page](https://sf.freddiemac.com/general/credit-score-models)
+
+## **Background**
+
+On October 24, 2022, [FHFA announced](/news/news-release/fhfa-announces-validation-of-fico-10t-and-vantagescore-4.0-for-use-by-fannie-mae-and-freddie-mac) the validation and approval of two new credit score models, FICO 10T and VantageScore 4.0, for use by the Enterprises. Once implemented, lenders will be required to deliver both FICO 10T and VantageScore 4.0 credit scores, when available, with each single-family loan sold to the Enterprises. The announcement followed a lengthy process of reviewing potential updates to the Enterprises’ credit score requirements, as required by statute and regulation. During this time, the Enterprises undertook rigorous testing of the models for which an application was received. Both of the newly approved models exceeded the required thresholds for accuracy, reliability, and integrity.
+
+On October 24, 2022, FHFA also announced that the Enterprises would permit lenders to use either tri-merge credit reporting, in which credit reports from each of the three nationwide consumer reporting agencies are used, or bi-merge credit reporting, in which credit reports from two of the nationwide consumer reporting agencies are used. FHFA expects this update will promote competition in the market while supporting robust risk management.

chunks/txt/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.txt

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+Display Rules
+
+Always displays
+
+Always displays
+
+Always displays
+
+29.019
+
+The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage
+insurance purposes only.
+
+Display when
+GovernmentAgencyApp
+raisalType = "FHA" AND
+ValuationAssignmentTy
+pe = "Purchase" OR
+"Refinance"
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser Certifications subsection always displays.
+
+Report
+Field ID
+
+Cert #
+
+Certifications Text
+
+Appraiser Certifications
+
+29.020
+
+The Appraiser certifies and agrees that:
+
+29.021
+
+1
+
+I have no present or prospective interest in the property that is the subject of this report, or relationship with the present
+or prospective owners or occupants of the subject property, or other parties involved in this transaction.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Display Rules
+
+Always displays
+
+Always displays
+
+Always displays
+
+Page 369
+
+Report
+Field ID
+
+29.022
+
+29.023
+
+29.024
+
+29.025
+
+29.026
+
+29.027
+
+29.028
+
+29.029
+
+Cert #
+
+Certifications Text
+
+Display Rules
+
+2
+
+3
+
+4
+
+5
+
+6
+
+7
+
+8
+
+9
+
+I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the
+subject of this report, or the demographics of the area where the property is located.
+
+Always displays
+
+I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and
+requirements that apply to the appraiser and to the assignment.
+
+Always displays
+
+I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or
+gender identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial
+status, or national origin of the present or prospective owners or occupants of either the subject property or properties in
+the area of the subject property or on any other basis prohibited by the Fair Housing Act or the Equal Credit Opportunity
+Act, or any other basis prohibited by law.

chunks/txt/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.txt

@@ -0,0 +1,14 @@
+``
+ - [](https://www.linkedin.com/posts/fhfa_httpslnkdineb-qdur-activity-7307882600910516227-6ZIU) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
+
+59,118 followers
+
+10mo
+
+- [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)
+
+[https://lnkd.in/e_B-QduR](https://lnkd.in/e_B-QduR?trk=organization_guest_main-feed-card-text)
+
+`` `` [![image]() 3](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` ``
+
+[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)

chunks/txt/c7bca018147b6f5abb6bebff02fed1341073278683599422780de179074bee5b.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/plain-language-report"
+date_accessed: "2026-01-27T17:48:04.095Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.txt

@@ -0,0 +1,71 @@
+LOAN_IDENTIFIER_EXTENSION
+
+MESSAGE/DEAL_SETS/DE AL_SET/ DE ALS /DE AL/P ARTIES/ P ARTY/ ROLES/ ROLE /BORROW ER
+
+Root XPath
+
+Extensions for HMDA Data
+
+GOVERNMENT_MONITORING_DETAIL
+
+EXTENSION
+
+OTHER
+
+GOVERNMENT_MONITORING_DETAIL_EXTENSION
+
+HMDA_RACE
+
+EXTENSION
+
+HMDA_RACE_EXTENSION
+
+OTHER
+
+GOVERNMENT_MONITORING_EXTENSION
+
+HMDA_ETHNICITIES
+
+HMDA_ETHNICITY
+
+HMDA_ETHNICITY_ORIGINS
+
+HMDA_ETHNICITY_ORIGIN
+
+Diagram Legend
+XPath
+
+Root XPath
+
+Requisite EXTENSION and OTHER Containers for creating
+
+extensionsStructurally required named extension container
+
+Figure 3 – Extension Hierarchy in MISMO Version 3.0 Reference Model
+
+5.2. XML Container Description
+
+The MISMO Version 3.0 Reference Model utilizes a hierarchical container structure as shown in
+Figure 1. The loan delivery XML file referenced in this Implementation Guide is contained within the
+root element of MESSAGE. To clarify the differences with the plural and the singular container
+names, pluralized MISMO container names (e.g., LOANS) indicate that the singular container name
+(e.g., LOAN) is a repeatable container within the pluralized container (e.g., LOANS). For example,
+there may be multiple LOAN containers within a single LOANS container.
+
+To better understand how these containers apply to Fannie Mae’s loan delivery process, refer to the
+XML containers table below:
+
+Table 4 - XML Containers and Descriptions
+
+Container Name
+
+Container Description
+
+ABOUT_VERSION
+
+DEAL_SET
+
+Captures the version number of Fannie Mae’s Implementation Guide
+that was used to create the loan delivery XML file and the date and
+time that the loan delivery file was created. There is only one
+occurrence of the ABOUT_VERSION container per loan delivery file.

chunks/txt/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.txt

@@ -0,0 +1,38 @@
+Unit Special Assessments
+
+Unit Tax Abatements or Exemptions
+
+Project Factors Commentary
+18.094
+
+Project Information Commentary
+
+Project Information Exhibits
+
+18.095
+
+18.096.1 | 18.096.2
+
+18.012.1 | 18.012.2
+
+18.014.1 | 18.014.2
+
+Appraisal Version #
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)
+
+Appraiser Reference ID
+Agency Case File ID
+Client Reference ID
+AMC Reference ID
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)

chunks/txt/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.txt

@@ -0,0 +1,170 @@
+UAD Requirement - Refer to Appendix D Improvements Section
+The appraisal report must indicate the subject property's year built in a four-digit format
+only, such as 1978 or 2002.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Data Format: yyyy
+
+This is a free text field which should contain a description of the materials of the
+exterior walls.
+This is a free text field which should contain a description of the materials of the roof
+surface.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+String
+
+Numeric, to two decimal places: 1.25 parking spaces per unit
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 138 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+158
+
+159
+
+160
+
+161
+
+162
+
+163
+
+164
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+151
+
+152
+
+153
+
+154
+
+155
+
+156
+
+157
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+
+Project
+Guest Parking
+Subject Phase
+# of Units
+Subject Phase
+# of Units Completed
+Subject Phase
+# of Units For Sale
+Subject Phase
+# of Units Sold
+Subject Phase
+# of Units Rented
+
+Guest Parking
+Spaces Count
+Planned Units
+Count
+Completed Units
+Count
+Units For Sale
+Count
+
+The total number of guest or common-area
+parking spaces in the project.
+
+Total number of planned living units.
+
+Total number of completed living units.
+
+Total number of living units for sale.
+
+Units Sold Count
+
+Total number of living units sold.
+
+Units Rented Count Total number of living units rented.

chunks/txt/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.txt

@@ -0,0 +1,80 @@
+Doc Name, Desc, Keywords or Form #
+
+- Any -
+
+A
+
+B
+
+C
+
+D
+
+E
+
+F
+
+G
+
+H
+
+I
+
+J
+
+K
+
+L
+
+M
+
+N
+
+O
+
+P
+
+Q
+
+R
+
+S
+
+T
+
+U
+
+V
+
+W
+
+X
+
+Y
+
+Z
+
+Document Title Languages Source / Form Number # [CFPB Escrow Cancellation Notice](/mortgage-translations/document/cfpb-escrow-cancellation-notice) Spanish CFPB [Form 182 - Adverse Action Notice](/mortgage-translations/document/form-182-adverse-action-notice) English, Spanish CFPB [Authorized Changes for ARM Riders](/mortgage-translations/document/authorized-changes-for-arm-riders) English Freddie Mac [Oregon Translation of HUD Truth in Lending Settlement Statement](/mortgage-translations/document/oregon-translation-of-hud-truth-in-lending-settlement-statement) Spanish / Español State Agencies [Supplemental Consumer Information Form (SCIF) Rendering Options](/mortgage-translations/document/supplemental-consumer-information-form-scif-rendering-options) English Fannie Mae; Freddie Mac
+
+- [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [4](?page=3)
+ - [5](?page=4)
+ - [6](?page=5)
+ - [7](?page=6)
+ - [8](?page=7)
+ - [9](?page=8)
+ - …
+ - [Next](?page=1)
+ - [Last](?page=31)
+
+Document Language - Any - English Spanish / Español Chinese / 中文 Vietnamese / Tiếng Việt Korean / 한국어 Tagalog / Filipino
+
+Doc Name, Desc, Keywords or Form #
+
+I Am Looking for Information About... (Scenario) - Any - Preparing to Buy a Home Applying for a Mortgage or Refinancing Paying My Mortgage Having Difficulty Making Mortgage Payments
+
+Stage - Any - Getting a Mortgage Mortgage Servicing
+
+Document Source - Any - CFPB (Consumer Financial Protection Bureau) Fannie Mae Freddie Mac HUD (Housing and Urban Development) IRS (Internal Revenue Service) SSA (Social Security Administration) State Agencies

chunks/txt/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.txt

@@ -0,0 +1,135 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectName
+
+SALES
+COMPARISON
+APPROACH
+
+Phase
+
+Project Phase
+Identifier
+
+The current phase number of a multi-
+phase development project.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectPhaseI
+dentifier
+
+SALES
+COMPARISON
+APPROACH
+
+Proximity to Subject
+
+Proximity To
+Subject
+Description
+
+A free-form text field used to describe the
+proximity of a comparable property to the
+subject property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@
+ProximityToSubjectDescription
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@PropertySales
+Amount
+
+SALES
+COMPARISON
+APPROACH
+
+Sales Price/Gross Liv. Area
+
+Sales Price Per
+Gross Living Area
+Amount
+
+The sales price in terms of dollars per
+square foot of gross living area. This is a
+ratio between the sales price and an area,
+but it is a monetary value rather than a
+factor or rate. (CALCULATED
+RESULTS FIELD)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPricePer
+GrossLivingAreaAmount
+
+35
+
+20
+
+35
+
+20
+
+35
+
+20
+
+35
+
+30
+
+40
+
+2
+
+10
+
+35
+
+35
+
+35
+
+11
+
+12
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+Must conform to USPS (Pub 28). The following address elements should be included
+in this field:
+• Street number
+• Street name (including applicable pre-directional indicator, suffix, and/or post-
+directional indicator)

chunks/txt/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.txt

@@ -0,0 +1,5 @@
+Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP
+
+Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
+
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13451&order=field_release_date&sort=asc) Report Attachment August 18, 2025 [Open Data Plan – 2025](/reports/information-resources-management-strategic-plan/open-data-plan/2025) [Read Report](/document/open-data-plan-2025.pdf) March 11, 2024 [FHFA Information Resources Management Strategic Plan FY 2024-2026](/reports/information-resources-management-strategic-plan/2024-2026) [Read Report](/document/fhfa-information-resources-management-strategic-plan-fy-2024-2026)

chunks/txt/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.txt

@@ -0,0 +1,61 @@
+UCD v2.0 Implementation Guide
+
+- 130 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+X. PARTIES TO THE TRANSACTION DATA
+
+Table 69 is organized differently from the others in the I-Guide because the implementation for PARTIES is not hierarchical.
+In the MISMO standard, INDIVDUAL and LEGAL_ENTITY are what is known as a “Choice Group”. This means that only one can
+be a child of PARTY or the XML file will fail schema validation. In other words, only one can be “chosen” and then the rest of
+the child containers under PARTY are used as normal.
+
+Certain UIDs for borrower and property seller are bolded in blue to indicate that there is just one occurrence of these data
+points regardless of whether the borrower or property seller is an individual or legal entity (rare). They are repeated in the
+table under both the INDIVIDUAL and LEGAL_ENTITY sections.
+
+Table 69. XML File Container Structure for Parties to the Transaction Data.
+
+UCD UIDs
+
+999.261
+
+PARTIES
+
+Containers
+
+UCD Usage Notes
+
+Groups sets of information about each party to the
+closing transaction by their role.
+
+INDIVIDUAL
+
+999.429 | 999.276 | 999.411 |
+999.309 | 999.309 | 999.440
+ 999.343 | 999.378
+
+PARTY
+
+▪ Holds child containers with name, address, role,
+
+and license child containers.
+
+▪ A minimum of three instances of PARTY under
+
+DEAL must exist in every XML file for the
+borrower, lender and settlement agent.
+
+▪ Note that one other PARTY (under DEAL_SETS) is
+also required in every XML file to identify the file
+submitter. See III.A.2.b File Submitter Data.
+
+Holds name data points for an individual. In UCD,
+individuals can be borrowers and/or property sellers
+and are contact personnel for companies taking part
+in the transaction.

chunks/txt/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.txt

@@ -0,0 +1,46 @@
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 9 of 22
+
+Column Name
+
+Column Name Description
+
+ULDDS Conditionality
+
+FNM Conditionality
+
+This column lists the GSE conditionality of the corresponding
+MISMO data point as originally defined in the ULDDS. The
+conditionality column lists contains one of three indicators:
+ Required (R): The corresponding data point must be included
+in the loan delivery XML file on all loan delivery transactions.
+ Conditionally Required (CR): The corresponding data point
+must be included in the loan delivery XML file on all loan
+delivery transactions when a defined business condition exists.
+These conditions are consistent for each of the GSEs’ loan
+delivery applications.
+
+ Conditionally Independent (CI): The corresponding data point
+must be included in the loan delivery XML file on all loan
+delivery transactions when a defined business condition exists.
+These conditions are NOT consistent for both of the GSEs’ loan
+delivery applications. Refer to the GSE’s Conditionality column
+to determine the appropriate usage of the data point.
+
+lists the Fannie Mae conditionality of
+
+This column
+the
+corresponding MISMO data point. The column lists one of two
+conditionality indicators:
+ Required (R): The data point must be included in the loan
+
+delivery XML file on all loan delivery transactions.
+
+ Conditionally Required (CR): The corresponding data point
+must be included in the loan delivery XML file on all loan
+delivery transactions when a defined business condition exists.
+These conditions are consistent for each of the GSEs’ loan
+delivery applications. The conditionally required parameters are
+provided as well.

chunks/txt/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.txt

@@ -0,0 +1,7 @@
+View and Impact to Value/Marketability (H1) .................................................................................................... 39
+
+Site Features and Impact to Value/Marketability (H1) ....................................................................................... 39
+
+Utilities and Impact to Value/Marketability (H1) ............................................................................................... 39
+
+Apparent Defects, Damages, Deficiencies (Site) (H1) ......................................................................................... 40

chunks/txt/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.txt

@@ -0,0 +1,90 @@
+The common elements appear to be adequately maintained. Within this project you have access to parking spaces adequate for the size of the
+community and have access to a common pool and spa area.
+
+Project Information Exhibits
+
+Common Amenity or Service - Indoor Pool
+
+Common Amenity or Service - Spa
+
+This is where the Inground Spa photo would display.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 12 of 22
+Page 12 of 22
+
+Project Information (continued)
+
+Observed Deficiency
+
+This is where the Observed Deficiency photo would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Current or Relevant Listings
+
+Data Source
+
+None
+Property Owner
+
+Prior Sale and Transfer History
+
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Transfer Terms
+Typically Motivated
+
+Date
+07/10/2017
+
+Amount
+$700,000
+
+Data Source
+Assessor Record
+MLS
+
+Analysis of Prior Sale and Transfer History of Subject Property There has been little fluctuation in the market during the past 4 years.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+#1 None
+
+Transfer Terms
+
+Amount
+
+Date
+
+Data Source
+Assessor Record
+MLS
+
+#2
+
+Typically Motivated
+
+10/01/2018
+
+#3
+
+Typically Motivated
+
+12/31/2018
+
+Typically Motivated
+
+09/15/2018
+
+#4 None
+
+$779,000

chunks/txt/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.txt

@@ -0,0 +1,295 @@
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 132 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+72
+
+73
+
+74
+
+75
+
+76
+
+77
+
+78
+
+79
+
+80
+
+81
+
+82
+
+83
+
+84
+
+85
+
+86
+
+87
+
+88
+
+89
+
+90
+
+91
+
+92
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+67
+
+68
+
+69
+
+70
+
+71
+
+72
+
+73
+
+74
+
+76
+
+77
+
+78
+
+79
+
+80
+
+82
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+Demand/Supply
+Over Supply
+
+Marketing Time
+Under 3 mths
+
+Marketing Time
+3-6 mths
+
+Marketing Time
+Over 6 mths
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+75
+
+NEIGHBORHOOD
+
+Condominium Housing
+Price $ (000)
+Low
+Condominium Housing
+Price $ (000)
+High
+Condominium Housing
+Price $ (000)
+Pred.
+Condominium Housing
+Age (yrs)
+Low
+
+Condominium Housing
+Age (yrs)
+High
+
+Condominium Housing
+Age (yrs)
+Pred.
+
+NEIGHBORHOOD
+
+NEIGHBORHOOD
+
+Present Land Use %
+One-Unit
+
+NEIGHBORHOOD
+
+Present Land Use %
+2-4 Unit
+
+NEIGHBORHOOD
+
+Present Land Use %
+Multi-Family
+
+NEIGHBORHOOD
+
+Present Land Use %
+Commercial
+
+NEIGHBORHOOD
+
+Present Land Use %
+Other
+
+83
+
+NEIGHBORHOOD Neighborhood Boundaries
+
+Neighborhood
+Demand Supply
+Type
+Neighborhood
+Typical Marketing
+Time Duration Type
+Neighborhood
+Typical Marketing
+Time Duration Type
+Neighborhood
+Typical Marketing
+Time Duration Type
+Neighborhood
+Housing Low Price
+Amount
+Neighborhood
+Housing High Price
+Amount
+Neighborhood
+Housing
+Predominant Price
+Amount
+Neighborhood
+Housing Newest
+Years Count

chunks/txt/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.txt

@@ -0,0 +1,59 @@
+2024-002 Key Concepts - Defining the Property: Corrected Report Field ID for Unit is an ADU (10.011).
+
+Overview
+
+2024-039 Key Concepts - Impact: Clarified the ‘Definition / Additional Guidance’ column for Neutral impacts.
+
+2024-037 Key Concepts - Photos and Images: Corrected photo requirements for vehicle storage.
+
+Header and Footer 2024-028 Updated date in footer to September 2024.
+
+01 Summary
+
+2024-021
+
+Updated allowable answers for Market Value Condition (1.009), the ‘Definition / Additional Guidance’ and ‘Allowable
+Answers/Format’ columns for Final Value Condition Statement (1.002), and the ‘When to Include’ and ‘Definition /
+Additional Guidance’ columns for As Is Overall Condition Rating (1.082).
+
+2024-002 Corrected the ‘When Displayed in Summary Section’ column for Subject Site Owned in Common (1.020).
+
+02 Assignment
+
+2024-002 Corrected typo in Lender, Client, and AMC: The client is the party who engages an appraiser.
+
+Appendix F-1: URAR Reference Guide
+
+Page 3 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Revision History
+
+Reference Guide
+Chapter
+
+Change #
+
+Version 1.2 (Published September 17, 2024)
+
+Revision Description
+
+04 Site
+
+2024-029 Corrected the ‘When to Include’ column for Access to Property Typical for the Market (4.023).
+
+07 Sketch
+
+2024-047 Clarified the ‘Definition / Additional Guidance’ for Measurement Standard (7.001).
+
+2024-008
+
+Corrected the ‘When to Include’ column for Above Grade Finished Area (Nonstandard) (10.004) and Below Grade Finished
+Area (Nonstandard) (10.007).
+
+10 Unit Interior
+
+2024-042 Clarified that the “Unfinished” row does not display In Level and Room Detail if Unfinished Area of Level is 0 (10.031).

chunks/txt/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.txt

@@ -0,0 +1,139 @@
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must
+be captured and included in the XML data point.
+
+386
+
+2
+
+124
+
+SALES
+COMPARISON
+APPROACH
+
+Indicated Value by:
+Sales Comparison
+Approach $
+
+Value Indicated By
+Sales Comparison
+Approach Amount
+
+The dollar value of the subject
+property indicated by the Sales
+Comparison approach.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/@ValueIndi
+catedBySalesComparisonApproachAmount
+
+12
+
+Money
+
+387
+
+2
+
+125
+
+RECONCILIATION
+
+Indicated Value by:
+Sales Comparison
+Approach $
+
+Value Indicated By
+Sales Comparison
+Approach Amount
+
+The dollar value of the subject
+property indicated by the Sales
+Comparison approach.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/@ValueIndi
+catedBySalesComparisonApproachAmount
+
+12
+
+Money
+
+126
+
+RECONCILIATION
+
+Indicated Value by:
+Sales
+Cost Approach (if
+developed) $
+
+Value Indicated By
+Cost Approach
+Amount
+
+The dollar value of the subject
+property indicated by the Cost
+Approach method of property
+valuation.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@ValueIndicated
+ByCostApproachAmount
+
+12
+
+Money
+
+388
+
+389
+
+390
+
+2
+
+2
+
+2
+
+127
+
+RECONCILIATION
+
+Indicated Value by:
+Sales
+Income Approach (if
+developed) $
+
+Value Indicated By
+Income Approach
+Amount
+
+The dollar value of the subject
+property indicated by the Income
+Approach method of property
+valuation.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/INCOME_ANALYSIS/@ValueIndica
+tedByIncomeApproachAmount
+
+12
+
+Money
+
+PDF Display Format:
+Whole dollars only
+
+128
+
+RECONCILIATION Comment Area
+
+Valuation
+Reconciliation
+Summary Comment

chunks/txt/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.txt

@@ -0,0 +1,39 @@
+project name and associated CPM ID.
+
+▪ When the project match occurs using the CPM ID, a message will be issued specifying the project name.
+
+▪ When the project match occurs based on the project name, and there are multiple projects with similar names in
+
+CPM, a message will be issued specifying the project name that is the closest match.
+
+▪ DU will also issue a message when a match to a project cannot be found. This message will instruct the lender to
+
+request that the project be added to CPM, or to provide the CPM ID and resubmit the loan casefile to DU.
+
+Note: When neither the CPM ID nor the complete address with a project name are provided, DU will not attempt to contact
+CPM. A message will be issued reminding the lender that for DU to determine the project in which the property is located, the
+CPM ID or the project name and complete property address must be provided.
+
+CPM Information
+
+When a match to a project in CPM is found, DU will issue messaging regarding the status of the project in CPM, and the eligibility
+of the project and transaction based on information returned by CPM.
+
+© 2025 Fannie Mae.
+
+3.19.25
+
+1 of 4
+
+Status Information
+
+DU will return the following Fannie Mae status messages:
+
+▪ Approved by Fannie Mae: The message will specify that the project has an Approved by Fannie Mae status and that
+
+the lender must validate that the project and unit have the required insurance coverage.
+
+Note: Loans that receive a CPM Approved by Fannie Mae status message in DU will retain the Approved by Fannie Mae status
+up to the credit report expiration date specified on the DU Underwriting Findings report. If the lender changes the CPM ID,
+project name, address (state or zip code), or credit report in DU, the project eligibility status may change and result in the
+loss of the CPM Approved by Fannie Mae status message.

chunks/txt/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.txt

@@ -0,0 +1,96 @@
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Appendix F-1: URAR Reference Guide
+
+Page 72 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Easement
+
+04 Site
+
+Easements affecting the subject property are identified in this subsection. The appraiser must identify
+easements granted by neighboring properties to the subject property, in addition to any easements granted by
+the subject property to a neighboring property. Use the most appropriate description from the list provided.
+
+There is one row in the Site Features table for each Easement. If there are no easements, this row does not
+display.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.054
+4.055
+
+Easement
+(Detail)
+
+If applicable
+
+4.056
+
+Easement
+(Impact)
+
+Required for each
+easement
+
+4.057
+
+Easement
+(Comment)
+
+Required for each
+easement if Impact is
+Adverse or Beneficial,
+or as needed
+
+Encroachment
+
+Site: Site Features - Easement
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Adverse,
+Beneficial, or
+Neutral
+
+Free-form
+
+Definition / Additional Guidance
+
+Easement: A nonpossessory right to cross or otherwise use a portion of another
+property for a specified purpose.
+•
+•
+•
+•
+•
+Note: Do not report easements that are typical or common to the market.
+
+Conservation
+Drainage
+Ingress/Egress
+Utility (other than typical property utility easements)
+Other (Describe)
+
+When Adverse or Beneficial, describe the impact to value and / or
+marketability. Additional commentary may be provided to include details and
+other information, including if the easement is on a neighboring property.

chunks/txt/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.txt

@@ -0,0 +1,71 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix C‐2: Restricted Appraisal Update Report with Report Field IDs
+Document Version 1.2
+September 17, 2024
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal
+Housing Finance Agency.
+© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+Revision History
+
+Date
+
+9/17/2024
+
+Version
+Number
+1.2
+
+12/12/2023
+
+1.1
+
+3/29/2023
+
+1.0
+
+Introduction
+
+Report Section
+
+Change #
+
+Revision Description
+
+Footer
+Footer
+Certifications
+and Scope of
+Work
+
+2024‐028
+2023‐061
+
+2023‐003
+
+Updated date in Footer (HF.004) to September 2024.
+Updated date in Footer (HF.004) to December 2023.
+Updated predefined text for Scope of Work (05.001) and all Supervisory
+Appraiser Certifications (05.033‐036, 05.048‐051).
+Clarified that Contact Name(s) (05.025) display for Appraiser Certification 13.
+Initial publication
+
+The purpose of this document is to show all possible Report Labels that may display on the Restricted
+Appraisal Update Report, regardless of conditionality. This is not intended to represent a realistic report
+as an appraisal update will never contain all of the available fields in one report. The red superimposed
+numbers are Report Field IDs.
+
+Term
+Report Label
+Report Field ID (FID)
+
+Definition
+The name of the field as shown on the Restricted Appraisal Update Report.
+A red number identifying the specific location of the field on the Restricted Appraisal Update Report. Report Field ID
+(FID) is also referenced in:
+
+
+

chunks/txt/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.txt

@@ -0,0 +1,97 @@
+Page 16 of 30
+Page 16 of 30
+
+Overall Quality and Condition
+
+Overall Quality
+
+Exterior Quality
+Interior Quality
+
+Q4
+Q4
+Q4
+
+Overall Condition
+
+Exterior Condition
+Interior Condition
+
+C1
+C1
+C1
+
+Reconciliation of Overall Quality and Condition
+
+The building is a standard building plan with standard grade building materials.
+
+Highest and Best Use
+
+Is the present use of the subject property ...
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
+
+Highest and Best Use Commentary
+
+The property is outside the city limits and all types of single family development is allowed.
+
+Market
+
+Market Area Boundary Bounded on the East by FM - 2222; bounded on the South by County Road 4000; bounded on the West by Lake
+Virginia; bounded on the North by County Road 1000
+
+Search Criteria Description Search was limited by lot sizes between 25,000 Sq. Ft. and 10 acres. Other limiting factors in the search included
+Year Built (2000+), Double Wide Manufactured Homes, and Water Front.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+10
+60
+$95,000
+$450,000
+$600,000
+4
+
+Sales in Past 24 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
+
+Distressed Market Competition
+Graph
+Price Trend Source
+
+17
+$200,000
+$404,000
+$620,000
+Yes
+Price Trend
+Local MLS
+Alpine Gazette
+
+Price Trend Analysis Commentary The Alpine Gazette is a local print media that reports non-MLS home sales and listings. The data includes
+information from both sources, which indicate an overall increase in property values.

chunks/txt/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.txt

@@ -0,0 +1,7 @@
+If you have questions about this Integration Impact Memo or if you require support specific to this release, contact Integration
+Support. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae
+representative.
+
+© 2024 Fannie Mae
+
+4 of 4

chunks/txt/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.txt

@@ -0,0 +1,129 @@
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_State
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_PostalCode
+
+Contact Point
+Value
+
+Contact Point
+Value
+
+This is the actual value (Phone, Fax, E-
+Mail, Other) of the Contact Point Type.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO
+NTACT_POINT[@_Type=‘Phone’]/@_Value
+
+This is the actual value (Phone, Fax, E-
+Mail, Other) of the Contact Point Type.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO
+NTACT_POINT[@_Type=‘Email’]/@_Value
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Date of Signature
+
+Supervisor Report
+Signed Date
+
+Indicates the date the supervisor signed
+the report.
+
+/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate
+
+528
+
+6
+
+34
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+State Certification #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser who
+completed the final estimate of value for
+the subject property.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[
+@_Type=‘Certificate’]/@_Identifier
+
+529
+
+530
+
+6
+
+6
+
+35
+
+36
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+or State License #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser who
+completed the final estimate of value for
+the subject property.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[
+@_Type=‘License’]/@_Identifier
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+State
+
+Appraiser License
+State
+
+The state in which the appraiser is
+licensed.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/
+@_State
+
+25
+
+25
+
+45
+
+45
+
+2
+
+10
+
+50
+
+50
+
+10
+
+50
+
+25
+
+2
+
+Data Point Field
+Length
+
+Format

chunks/txt/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.txt

@@ -0,0 +1,65 @@
+Example of Document Level Results for All Report Types – Freddie Mac
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal
+Housing Finance Agency.
+
+Submission Findings Results
+
+Submission Findings Results are included within the Document Level Results of each appraisal report submission and
+present the findings specific to that submission.
+
+Loan Metadata
+
+Document File ID
+
+Appraisal [1, 2, or 3] - URAR
+
+Update or Completion Report
+
+Document Level Results
+
+Submission Findings Results
+
+Document Level Results
+
+Submission Findings Results
+
+Update or Completion Report
+
+Document Level Results
+
+Submission Findings Results
+
+Severity Ratings
+
+Severity indicates the level of impact and guides how urgently each finding should be addressed. While not all findings may
+be cleared from the SSR, all findings should be reviewed and considered.
+
+Definition
+
+Appears on
+[FNM, FRE, Both] *
+
+Severity
+Rating
+
+Fatal
+
+Severe
+
+Warning
+
+These findings will cause the Document File Status and Document Status
+to be “Not Successful.” The only way to clear a Fatal severity finding is to
+change the underlying data and resubmit a corrected appraisal report file.
+
+These findings indicate the collateral representation and warranty relief for
+property value eligibility decision is impacted. Message(s) should be
+reviewed, and action may need to be taken; however, these findings will
+not impact the Document File Status or Document Status.
+
+These findings signal that an issue has been found that should be reviewed
+and action may need to be taken; however, these findings will not impact
+the Document File Status or Document Status.

chunks/txt/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.txt

@@ -0,0 +1,201 @@
+Flooring
+
+FullyUpdated
+
+NewOrLikeNew
+
+WallsAndCeiling
+
+EightFeet
+
+Flat
+
+Vaulted
+
+AboveGrade
+
+1568
+
+LevelOne
+
+0
+
+0
+
+0
+
+0
+
+0
+
+1568
+
+0
+
+false
+
+3
+
+2
+
+0
+
+C2
+
+Q3
+
+1
+
+Metal plumbing fixtures
+
+FullyUpdated
+
+false
+
+OwnerOccupied
+
+LevelOne
+
+LaundryRoom
+
+Primary Bedroom
+
+\\Images\MH2_Bedroom_1.jpg
+
+image/jpeg
+
+LevelOne
+
+Bedroom
+
+Bedroom 2
+
+\\Images\MH2_Bedroom_2.jpg
+
+image/jpeg
+
+LevelOne
+
+Bedroom
+
+Bedroom 3
+
+\\Images\MH2_Bedroom_3.jpg
+
+image/jpeg
+
+LevelOne
+
+Bedroom
+
+\\Images\MH2_Dining_Room.jpg
+
+image/jpeg
+
+LevelOne
+
+DiningRoom
+
+Bath 2
+
+\\Images\MH2_Bath_2.jpg
+
+image/jpeg
+
+LevelOne
+
+NewOrLikeNew
+
+Metal plumbing fixtures
+
+FullBathroom
+
+OneToFiveYears
+
+FullyUpdated
+
+Primary Bath
+
+\\Images\MH2_Bath_1.jpg
+
+image/jpeg
+
+LevelOne
+
+NewOrLikeNew
+
+Metal plumbing fixtures
+
+FullBathroom
+
+OneToFiveYears
+
+FullyUpdated
+
+\\Images\MH2_Living_Room.jpg
+
+image/jpeg
+
+LevelOne
+
+NewOrLikeNew
+
+All appliances are Energy Star® Rated, countertops are solid surface.
+
+Energy Star appliances and wood cabinets
+
+Kitchen
+
+OneToFiveYears
+
+FullyUpdated
+
+\\Images\MH2_Living_Room.jpg
+
+image/jpeg
+
+LevelOne
+
+LivingRoom
+
+Ranch
+
+Manufactured
+
+SiteBuilt
+
+The subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is estimated at 1-5 years.
+
+5
+
+1
+
+45
+
+Aluminum
+
+SyntheticStone
+
+NewOrLikeNew
+
+ExteriorWallsAndTrim
+
+PouredConcrete
+
+CrawlSpace
+
+NewOrLikeNew
+
+The subject has a crawl space set on a poured concrete perimeter footer.
+
+Foundation
+
+OneToTenYears
+
+true
+
+Asphalt
+
+The roof was installed at manufacturing and installation/set-up 2 years ago and is in like new condition.
+
+NewOrLikeNew

chunks/txt/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.txt

@@ -0,0 +1,65 @@
+IV. Duty To Serve Geographic
+Indicators Added to the PUDB
+
+FHFA’s Order revises the PUDB
+
+single-family and multifamily matrices
+to add in the Census Tract Files
+geographic indicators that correspond to
+regions of focus under the Duty to Serve
+program.177 The geographic identifiers
+include codes for Rural, Lower
+Mississippi Delta, Middle Appalachia,
+
+170 12 CFR 1003.4(a)(1)(ii).
+171 84 FR at 660.
+172 12 CFR 1003.4(a)(9)(i).
+173 84 FR at 663.
+174 12 CFR 1003.4(a).
+175 84 FR at 665.
+176 Official Interpretations, comment 2(n)–2.
+177 12 CFR part 1282, subpart C.
+
+Persistent Poverty County, Area of
+Concentrated Poverty, and High
+Opportunity Area. These codes will not
+flag individual loans purchased by the
+Enterprises that actually qualified for
+Duty to Serve credit, but rather whether
+the mortgage property is located in one
+of these geographical areas that the Duty
+to Serve regulation identifies for
+Enterprise efforts.
+
+Since the geographic indicators can
+already be derived from the census tract
+disclosed in the PUDB Census Tract
+Files and other public data, they will
+not introduce any new privacy or
+proprietary data concerns, nor will they
+necessitate any additional reporting by
+the Enterprises.
+
+The Safety and Soundness Act
+provides that the Director shall make
+the required PUDB data elements public
+in forms useful to the public.178 Adding
+the geographic indicators in the PUDB
+will provide greater transparency to the
+public about the Enterprises’ Duty to
+Serve activities.
+
+V. Order
+
+For the convenience of the affected
+
+parties, and the public, the Order is
+recited below in its entirety. The Order
+is also available for public inspection
+and copying at FHFA’s Freedom of
+Information Act (FOIA) Reading Room
+at https://www.fhfa.gov/AboutUs/
+FOIAPrivacy/Pages/Reading-Room.aspx
+by clicking on ‘‘Click here to view
+Orders’’ under the Final Opinions and
+Orders heading.

chunks/txt/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.txt

@@ -0,0 +1,130 @@
+Zoning Compliance
+
+Legal Nonconforming
+
+Site Built
+Detached
+
+Overall Quality
+Overall Condition
+
+Q5
+C4
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+
+Yes No
+ 
+
+This is where the Subject Property photo would display.
+
+Apparent Defects, Damages, Deficiencies Requiring Action
+
+There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.
+
+Appraiser Reference ID 12345HIClient Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242-to 4-unit Scenario
+
+Uniform Residential Appraisal Report
+
+Page 2 of 29
+Page 2 of 29
+
+NEW PG
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+Seller Name
+Current Owner of Public Record
+
+Purchase
+Betty Borrower
+Sydney Seller
+Sydney Seller
+
+Property Valuation Method
+
+Traditional Appraisal
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Yes No
+ 
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+Random National Bank
+123456 Main St
+Nowhere, NE 98765
+
+Tom Appraiser
+Arthur Appraiser Appraisals
+98765 Holiday Hwy
+Surfside, HI 12345
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+10/05/2019
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Supervisory Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+Arthur Appraiser
+ASA
+Arthur Appraiser Appraisals
+98765 Holiday Hwy
+Surfside, HI 12345
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+
+No Inspection
+No Inspection

chunks/txt/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.txt

@@ -0,0 +1,112 @@
+Report
+Field ID
+
+3.004
+
+Report Label
+
+When to Include
+
+Attachment
+Type
+
+Always required
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table
+(Attachment Type)
+
+Definition / Additional Guidance
+
+Type of attachment to a neighboring property.
+•
+•
+
+Attached
+Detached
+
+3.005
+
+Units Excluding
+ADUs
+
+Always required
+
+Number
+
+Number of separate living units on the subject property, not counting any
+ADUs. ADUs are entered in a separate field (3.006) but are considered in the
+overall unit count.
+Examples:
+•
+
+A single-family property (with or without an ADU) is reported as 1 unit in
+this field.
+A three-unit property (with or without an ADU) is reported as 3 units in
+this field.
+
+•
+
+Notes:
+•
+
+•
+
+2- to 4-unit properties are identified using Units Excluding ADUs between
+2 and 4.
+This data point is for the number of units in the subject property only. The
+number of units in a project is reported as Total Units (18.006) in the
+Project Information section, and not here.
+
+3.006
+
+Accessory
+Dwelling Units
+
+Always required
+
+Number
+
+Number of ADUs on Subject Property
+Notes:
+•
+•
+
+Enter zero (0) if there are no ADUs on the property.
+ADUs may be in the dwelling, attached to the dwelling, or associated with
+a separate building (outbuilding).
+
+Appendix F-1: URAR Reference Guide
+
+Page 49 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+03 Subject Property
+
+Report
+Field ID
+
+3.007
+
+Subject Property: Attachment Type and Number of Units, ADUs, and Dwellings
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Dwellings
+Containing Units
+
+Always required

chunks/txt/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.txt

@@ -0,0 +1,91 @@
+299
+
+2
+
+53
+
+SALES
+COMPARISON
+APPROACH
+
+Sale or Financing
+Adjustment
+(Line 1)
+
+Sale Price
+Adjustment Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the
+property feature identified by Sale
+Price Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Sal
+esConcessions']/@_Amount
+
+300
+
+2
+
+e-26
+
+SALES
+COMPARISON
+APPROACH
+
+Concessions
+(Line 2)
+
+GSE Financing Type
+
+The type of financing associated with
+the comparable transaction.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_DETAIL_EXTENSION/CO
+MPARISON_DETAIL_EXTENSION_SECTIO
+N[@ExtensionSectionOrganizationName='UNIF
+ORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEFinancingType
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+4
+
+String
+
+Must provide a whole number or 'Unk' if not known.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+35
+
+String
+
+17
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+The allowable values are listed below. When representing these values in the
+XML file, they must be shown exactly as they appear below:
+
+Allowable Values PDF Display
+ Comp Grid Page 1
+REOSale REO REO sale
+ShortSale Short Short sale
+CourtOrderedSale CrtOrd Court ordered sale
+EstateSale Estate Estate sale
+RelocationSale Relo Relocation sale
+NonArmsLengthSale NonArm Non-arms length sale
+ArmsLengthSale ArmLth Arms length sale
+Listing Listing *

chunks/txt/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.txt

@@ -0,0 +1,84 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field indicates the number of finished bathrooms in the basement.
+
+3
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+n.n
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field indicates the number of other finished rooms in the basement.
+
+1
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Numeric, 1-digit
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+20
+
+String
+
+This is a free text field which should describe the functional utility.
+
+This field is required if the value of field e-19
+(GSE Below Grade Finish Square Feet
+Number) is greater than zero.
+
+CR
+
+CR
+
+CR
+
+This field is required if the value of field e-19
+(GSE Below Grade Finish Square Feet
+Number) is greater than zero.
+
+CR
+
+CR
+
+CR
+
+The sum of this field 2-84 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,
+2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-86, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 2-86 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,
+2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.

chunks/txt/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.txt

@@ -0,0 +1,48 @@
+LoanAmortizationPeriodType: The duration of time used to define the
+
+period over which the loan is amortized.
+
+A loan amortized over 30 years would have a
+LoanAmortizationPeriodCount of “360” and a LoanAmortizationPeriodType
+of “Month.”
+
+LoanMaturityPeriodCount: The scheduled number of periods (as defined by
+
+Loan Maturity Period Type) after which a debt will mature.
+
+LoanMaturityPeriodType: The unit of time used for defining the period over
+
+which the loan matures.
+
+A 15-year loan would have a LoanMaturityPeriodCount of “180” and a
+LoanMaturityPeriodType of “Month.”
+
+Notes: The GSEs consistently use the valid value of “Month” or “Monthly”
+
+throughout the ULDDS for PeriodType. The exception to this rule is
+the use of “Biweekly” for Biweekly loans and “Day” for Daily Simple
+Interest loans.
+
+ii. Amount / Type / Source: One or both of the GSEs require data points that
+
+can be identified by a dollar amount, the medium used to convey the amount,
+and the source providing the amount. All three of these data points must be
+provided to properly communicate information about these funds.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 16 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Example III-9. Using Amount/Source/Type Data Points for Loan Delivery.
+
+ClosingCostContributionAmount: The dollar amount of the individual Closing
+
+Cost Funds Type.
+
+ClosingCostFundsType: Specifies the general names (type) of items commonly
+
+used as payment for the closing costs in a mortgage loan transaction.

chunks/txt/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.txt

@@ -0,0 +1,69 @@
+UCD v2.0 Implementation Guide
+
+- 75 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 52. XML Snippet-Example of Projected Payments Table Year Range Data.
+
+<ProjectedPaymentEstimatedTotalMaximumPaymentAmount>1808</ProjectedPaymentEstimatedTotalMaximumPay
+
+<ProjectedPaymentEstimatedTotalMinimumPaymentAmount>1363</ProjectedPaymentEstimatedTotalMaximumPaym
+
+mentAmount>
+
+entAmount>
+
+<ProjectedPaymentMIPaymentAmount>0.00</ProjectedPaymentMIPaymentAmount>
+<ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount>1452</ProjectedPaymentPrincipalAndInterestMaxi
+
+mumPaymentAmount>
+
+<ProjectedPaymentPrincipalAndInterestMinimumPaymentAmount>1007</ProjectedPaymentPrincipalAndInterestMaxi
+
+mumPaymentAmount>
+
+</PROJECTED_PAYMENT>
+ </PROJECTED_PAYMENTS>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 76 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+K. MISCELLANEOUS AND SECTION HEADING DATA
+
+1. MISCELLANEOUS DATA
+The INTEGRATED_DISCLOSURE_DETAIL container holds several data points that are unrelated outside of the fact they all
+appear on the CD: two for first year escrowed and non-escrowed property costs, one to indicate a subject home equity loan
+and one to provide the CD disclosure date.
+
+Table 40. XML File Container Structure for Miscellaneous and Section Heading Data.
+
+UCD UIDs
+
+Containers
+
+CD Section Supported
+
+999.133
+
+INTEGRATED_DISCLOSURE_DETAIL
+
+Holds miscellaneous data points supporting CD fields or calculations.
+
+a. Home Equity Loan Data
+
+If the subject loan is a home equity loan, the value of IntegratedDisclosureHomeEquityLoanIndicator is “true” and “Home

chunks/txt/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.txt

@@ -0,0 +1,33 @@
+Desktop Underwriter Validation Service
+Release Notes
+
+Feb. 22, 2021
+During the weekend of April 17, 2021, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation service,
+which will include the changes described below. Unless specified below, these changes will apply to conventional loan casefiles
+created on or after Nov. 2, 2020 and submitted or resubmitted to DU after the April update.
+
+The changes in this release include the following:
+
+ Message change when employer name in DU is not matched to employer in the Income and Employment Verification
+
+Report (VOI/E)
+
+ Asset validation changes
+ DU validation service message changes
+
+Message change when employer name in DU is not matched to employer name on the
+Employment and Income Verification Report
+When the employer name in DU does not match the employer name on the VOI/E report, the DU validation service returns a
+message with the employer name from the VOI/E report listed as “Missing.”
+
+In order to provide more details about what is observed in the VOI/E report, this message will be updated as follows:
+
+• The employer name(s) observed in the VOI/E report will be displayed, instead of the word “Missing”, and
+• The reason given for employment not being validated will be provided.
+
+Asset validation changes
+
+Asset validation when gift funds exist
+Currently, when a Verification of Assets (VOA) report has been obtained by DU, and gift funds are entered in DU, the DU validation
+service will not attempt to validate assets. In these cases, DU will issue a message indicating that the loan is not eligible for asset
+validation because the loan includes a gift.

chunks/txt/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.txt

@@ -0,0 +1,79 @@
+Characteristics and Trends
+
+Property Valuation
+• Appraised Value
+• Contract Price
+• Appraisal Value to Contract Price
+
+Ratio
+
+Property Information
+• Lot Size
+• Gross Living Area
+• Number of Bedrooms
+• Number of Bathrooms
+• Quality of Construction Rating
+• Condition Rating
+• Updated Within Last 15 Years
+
+Comparable Properties
+• Num of Comps Used
+• Average Proximity of Comps
+• Average Adjusted Sale Price of Comps
+• Average and Median Adjustments
+
+Disclosure avoidance implemented
+
+4
+
+Data Summary 1
+
+5
+
+Data Summary 2
+
+6
+
+Data Summary 3
+
+7
+
+Data Summary 4
+
+8
+
+Data Summary 5
+
+9
+
+Data Summary 6
+
+10
+
+Data Summary 7
+
+11
+
+Data Summary 8
+
+12
+
+Data Summary 9
+
+13
+
+Data Summary 10
+
+14
+
+Data Summary 11
+
+15
+
+Data Summary 12
+
+16
+
+Data Summary 13
+
+17

chunks/txt/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.txt

@@ -0,0 +1,64 @@
+See the sections A. Contact Table Relationships in the UCD File and A. Borrower and Seller
+Relationships to Signature Line.
+
+Users familiar with other Uniform Mortgage Data Program (UMDP) datasets are used to XML
+XPaths starting with “MESSAGE/DEAL_SETS/…..” Because the UCD specifies that a PDF copy of
+the Closing Disclosure(s) be included in the XML file along with the data points populating the
+Closing Disclosure, the XPath must move from MESSAGE through DOCUMENT_SETS to indicate
+that a document is embedded in the XML file:
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/ ….
+
+Appendix E: UCD Implementation Guide
+
+Page 250 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+VI. GLOSSARY
+
+Term
+
+Appendix E
+
+Appendix H
+
+Appendix I
+
+ARM
+
+ATR
+
+VI. Glossary
+
+Definition
+
+Uniform Closing Dataset Specification – Appendix E: UCD Implementation Guide
+
+Uniform Closing Dataset Specification – Appendix H: UCD Delivery Specification (.pdf
+version)
+
+Uniform Closing Dataset Specification – Appendix I: UCD Delivery Specification (.xls
+version)
+
+Adjustable Rate Mortgage
+
+Ability to Repay Rule, part of Regulation Z. A lender must make a good-faith effort to
+determine that a borrower is able to repay a mortgage before taking it on. In practice this
+means lenders must generally find out, consider, and document a borrower’s income,
+assets, employment, credit history and monthly expenses.
+
+CFPB
+
+Consumer Financial Protection Bureau
+
+Document Specific
+Data
+
+Data points contained within the DOCUMENT SPECIFIC DATA SETS structure of the v3.3.0
+Reference Model created to support specific business reporting requirements. Their
+definitions are driven by the context of and specific usage within the form or document
+they are intended to populate. In general, definitions of these data points do not conform
+to broader-based industry understanding, so they should not be used outside of the
+specific document for which they were designed.

chunks/txt/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.txt

@@ -0,0 +1,168 @@
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal
+Housing Finance Agency.
+© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+HDR-L
+
+TAB
+
+Subject Property
+
+TXR-B
+
+TXR-B
+
+Physical Address
+County
+Property Rights Appraised
+
+Legal Description
+
+H1
+
+TXC
+
+TAB
+
+Original Appraisal
+
+TXR-B
+
+TXR-B
+
+Effective Date of Appraisal
+Opinion of Market Value
+Reasonable Exposure Time
+
+TAB
+
+Appraisal Update
+
+TXR-B
+
+Effective Date
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXR-B
+TXR-I
+TXR-B
+
+Appraiser
+
+Reference ID
+Original Lender
+
+Yes No
+Has the market value of the subject property decreased since the effective date of the original appraisal?  
+
+Y/N
+
+CK
+
+H1
+
+Appraisal Update Commentary
+
+TXC
+
+H1
+
+Appraisal Update Exhibits
+
+TAB
+
+Assignment Information
+
+TXR-B
+
+Borrower Name
+
+H1
+
+Contact Information
+
+H2
+
+[Role]/[Role]
+
+TXR-I
+TXR-I
+
+Company Name
+Company Address
+
+H2
+
+Appraiser
+
+TXR-I
+
+TXR-I
+
+TX-B
+TXR-I
+TXR-II
+TXR-II
+TXR-II
+
+Name
+Designation
+Company Name
+Company Address
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+TXR-B
+
+TXR-B
+
+Appraiser Fee
+AMC Fee
+Government Agency
+Investor Requested Special Identification
+
+Credentials
+
+TX-B
+TXR-I
+
+TXR-I
+
+ID
+State
+Expires
+
+Credentials
+
+TX-B
+TXR-I
+
+Level
+ID
+State
+Expires
+
+TXR-I
+TXR-B
+
+TXR-B
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024

chunks/txt/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.txt

@@ -0,0 +1,148 @@
+2,905 Sq. Ft.
+
+2,695 Sq. Ft.
+
+Vehicle Storage | Spaces
+
+Driveway | 4
+Garage | 3
+
+Similar
+
+Similar
+
+Similar
+
+Similar
+
+Summary
+
+Rent Per Finished Area
+
+Actual Rent
+
+Overall Comparison
+to Subject
+
+Adjusted Rent
+
+Opinion of
+Market Rent
+
+$0
+
+$0
+
+$3,500
+
+$1.29
+
+$3,500
+
+Similar
+
+$1.28
+
+$3,600
+
+Similar
+
+$1.15
+
+$3,350
+
+Similar
+
+$1.19
+
+$3,200
+
+Similar
+
+$3,500
+
+$3,400
+
+$3,575
+
+$3,525
+
+Comparable Weight
+
+Most
+
+Most
+
+Less
+
+Less
+
+Rental Analysis Commentary
+
+Comparables 1 and 2 are from the subject’s community, have the same influences and amenities, and are therefore given the most weight.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 21 of 24
+Page 21 of 24
+
+Rental Information (continued)
+
+Rental Information Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Rental Comparable 1 photo would display.
+
+This is where the Rental Comparable 2 photo would display.
+
+Comparable #3
+
+Comparable #4
+
+This is where the Rental Comparable 3 photo would display.
+
+This is where the Rental Comparable 4 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
+Market Value Condition
+
+Sales Comparison Approach
+$900,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$895,000
+$900,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+30-90 days
+05/23/2018
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.

chunks/txt/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.txt

@@ -0,0 +1,111 @@
+8718 Mover Ln
+Treeville, VA 12345
+
+Sale Date
+—
+
+Status
+Active
+
+—
+
+Pending
+
+08/21/2019
+
+Settled Sale
+
+06/02/2019
+
+Settled Sale
+
+07/13/2019
+
+Settled Sale
+
+Reason Not Used
+Proximity
+Quality
+
+Comment
+Inferior quality and non-similar location
+
+Proximity
+Quality
+
+Proximity
+
+Finished Area
+Proximity
+
+Finished Area
+Quality
+
+Superior quality and located further from subject
+
+Located further from subject
+
+Had 5 bedrooms, but because it was larger
+and farther away, it was not used.
+
+Property has a media room and wet bar,
+but is larger and of superior quality.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 16 of 21
+Page 16 of 21
+
+Sales Comparison Approach (continued)
+
+Check W/KATE-
+
+NEW PAGE?
+
+Sales Comparison Map
+
+This is where the Comparable Sales Map photo would display.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 21
+Page 17 of 21
+
+Sales Comparison Approach (continued)
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Comparable 1 photo would display.
+
+This is where the Comparable 2 photo would display.
+
+Comparable #3
+
+This is where the Comparable 3 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
+Market Value Condition
+
+Sales Comparison Approach
+$491,000
+
+Income Approach

chunks/txt/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/fhlb-stress-tests"
+date_accessed: "2026-01-27T17:54:20.630Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.txt

@@ -0,0 +1,24 @@
+27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable
+federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation
+of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
+
+28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties
+including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar
+state laws.
+
+29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this
+assignment.
+
+Supervisory Appraiser Certifications
+
+The Supervisory Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective
+owners or occupants of the subject property, or other parties involved in this transaction.
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this
+report, or the demographics of the area where the property is located.
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that
+apply to the appraiser and to the assignment.

chunks/txt/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.txt

@@ -0,0 +1,15 @@
+[Click here to learn more about Natural Disaster-Related Fraud Schemes and Prevention Tips](/programs/fraud-prevention/natural-disaster).
+
+## Types of Housing Finance Fraud Schemes
+
+Understanding the different types of fraud schemes is important to detect mortgage fraud. The below defines types of housing finance fraud schemes.
+
+#### Prospective Borrower Fraud (fraud committed by borrowers in obtaining mortgage financing for home purchases)
+
+**Application Fraud**– A borrower may intentionally supply false information about income or identity in support of a mortgage application. These instances of fraud may be related to fraud for housing by a borrower or fraud for profit schemes.
+
+**Credit/Liabilities** – Mortgage rates and the decision to extend a loan to a borrower are heavily dependent on the applicant’s credit and current debt liabilities. Fraud may include borrower misrepresentation of credit score and/or amount of debt to qualify for a loan or for favorable loan terms.
+
+**Employment Fraud** – This fraud occurs when a borrower or straw buyer misrepresents his or her employment to the lender. The fraud may be committed to make the borrow appear more financially qualified for the loan or to conceal the illegal source of future loan payments.
+
+**Fraudulent Identity/Identity Theft/Synthetic Identity** – This fraud occurs when misappropriated identification credentials are used by an individual otherwise ineligible for a mortgage loan or as part of a fraud for profit scheme. Fraudsters may also create synthetic identities using bits and pieces of valid information from disparate sources.

chunks/txt/c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294.txt

@@ -0,0 +1,11 @@
+TAB-TX – Italic Text above TAB Rule ................................................................................................................... 22
+
+H1-TX – Italic Text in H1 (Gray Bar)..................................................................................................................... 22
+
+Appendix E: Report Style Guide
+
+Page 4 of 90
+
+Version 1.4
+
+TXC – Commentary Text ..................................................................................................................................... 22

chunks/txt/c91fb8e1ab24856dcea9cb5152dbf3c8f44048f5261e33f56a5fe5df5caca586.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/executive-compensation"
+date_accessed: "2026-01-27T17:47:55.302Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/statement"
+date_accessed: "2026-01-27T17:47:50.507Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.txt

@@ -0,0 +1,96 @@
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Recreation Room
+Count
+
+The number of recreation rooms below
+grade.
+
+437
+
+3
+
+e-22
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Bedroom Room
+Count
+
+The number of bedrooms below grade.
+
+438
+
+3
+
+e-23
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Bathroom Room
+Count
+
+The number of bathrooms below grade.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEBelowGradeRecreationRoomCount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEBelowGradeBedroomRoomCount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEBelowGradeBathroomRoomCount
+
+6
+
+10
+
+5
+
+5
+
+12
+
+10
+
+1
+
+1
+
+3
+
+Format
+
+String
+
+Money
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+Specify Above Grade Gross Living Area Only
+Gross Living Area (GLA) must be reported in square feet.

chunks/txt/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.txt

@@ -0,0 +1,49 @@
+See Fannie Mae and Freddie Mac Uniform Appraisal Dataset Specification, Appendix F-1: URAR Reference Guide.
+
+Listing History
+
+The appraiser needs to research and report at a minimum, the prior 12 months listing history of the subject property. The
+appraiser must report the following information:
+
+Listing status
+Listing type
+Listing ID
+Start date
+End date
+
+•
+•
+•
+•
+•
+• Days on market (DOM)
+•
+Starting list price
+• Current or final list price
+•
+
+Total days on market (TDOM)
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 73 of 166
+
+UAD 3.6 Policy
+
+If the subject property is currently or previously listed within the timeframe noted above, the appraiser must provide an analysis
+of the subject property listing history and include comments and exhibits. For example, if the subject property is currently listed
+for sale and was previously listed eight months ago, the appraiser must report on both offerings.
+
+Sales Contract
+
+The lender must provide the appraiser with a copy of the complete, ratified sales contract. The appraiser must indicate whether
+an analysis was or was not performed on the sales contract for the subject property purchase transaction. If an analysis was
+performed, the appraiser must provide the results of the analysis and include comments and exhibits. If an analysis was not
+performed, the appraiser must provide an explanation of why the analysis was not performed and include a description of the
+appraiser’s source of information about the sales transaction, efforts made to obtain the sales contract, and why the sales
+contract was not provided.
+
+The appraiser must indicate if there is any financial sales concessions to be paid by or on behalf of the seller as an inducement to
+purchase the subject property, including both monetary and non-monetary items, such as any closing costs, down payment
+assistance, payment of property taxes, HOA dues for a period of time, and gifts of personal property. If there is financial sales
+concessions, the appraiser must

chunks/txt/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.txt

@@ -0,0 +1,104 @@
+o Reference published guidelines by the GSEs, government agencies, or other identified secondary
+
+market participants for specific guidance as to when a photo or image is required.
+
+Notes:
+• The same photo can be identified and displayed in more than one section.
+• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset.
+
+o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to
+
+the iGuide or UAD Spec for more information.
+Section
+Name
+(Black Tab)
+
+Photo or Image
+(Predefined Caption or
+Gray Bar)
+
+Is there an Additional
+Caption
+(Free-form Text)?
+
+Is the Photo or Image
+Required?
+
+Additional Guidance
+
+Yes
+
+Photo at the top of the section
+(identified as Property Photo)
+
+Section
+#
+
+01
+
+07
+
+Subject
+Property
+
+Completion
+Report
+Exhibits
+
+Legal Description
+
+Itemized List of Repairs –
+Feature
+Example: Roof
+New Observed Items for
+Repair – Feature
+Example: Roof
+
+Completed Construction
+
+Inconsistent Item –
+Feature
+Example: Flooring
+
+Dwelling Front
+
+Dwelling Rear
+
+May be provided to further
+identify the image
+
+If Legal Description
+01.003 is not provided
+
+See 01.003
+
+May be provided to further
+identify the photo or image
+
+May be provided to further
+identify the photo or image
+
+May be provided to further
+identify the photo or image
+
+May be provided to further
+identify the photo or image
+
+May be provided to further
+identify the photo or image
+May be provided to further
+identify the photo or image
+
+Yes
+
+Yes
+
+If Construction Complete
+05.001 is Yes
+If Construction Consistent
+with Original Plans and
+Specs 05.002 is No
+If required by client or
+scope of work
+If required by client or
+scope of work

chunks/txt/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.txt

@@ -0,0 +1,49 @@
+</LEGAL_ENTITY_DETAIL>
+ </LEGAL_ENTITY>
+ <ADDRESS>
+
+<AddressLineText>ABC Address</AddressLineText>
+
+</ADDRESS>
+ <EMPLOYMENT>
+ <EmploymentMonthlyIncomeAmount>1400</EmploymentMonthlyIncomeAmount>
+ <EmploymentStatusType>Current</EmploymentStatusType>
+ </EMPLOYMENT>
+ <EMPLOYER SequenceNumber="2" xlink:label="EMPLOYER_2">
+ <LEGAL_ENTITY>
+ <LEGAL_ENTITY_DETAIL>
+
+<FullName>Consulting Inc.</FullName>
+
+</LEGAL_ENTITY_DETAIL>
+ </LEGAL_ENTITY>
+ <ADDRESS>
+
+<Address>123 Address</Address>
+
+</ADDRESS>
+ <EMPLOYMENT>
+ <EmploymentBorrowerSelfEmployedIndicator>true</EmploymentBorrowerSelfEmployedIndicator>
+ <EmploymentMonthlyIncomeAmount>950</EmploymentMonthlyIncomeAmount>
+ <EmploymentStatusType>Current</EmploymentStatusType>
+ </EMPLOYMENT>
+ </BORROWER>
+ <ROLE_DETAIL>
+ <PartyRoleType>Borrower</PartyRoleType>
+ </ROLE_DETAIL>
+ </ROLE>
+ </ROLES>
+ </PARTY>
+ </PARTIES>
+ :
+ :
+ <RELATIONSHIPS xsi:type="RELATIONSHIPS">
+ <!-- Linking First Borrower's Current Employer to Income -->
+ <RELATIONSHIP SequenceNumber="1" xlink:from="CURRENT_INCOME_ITEM_1" xlink:to=" EMPLOYER_1”
+xlink:arcrole="urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_ISASSOCIATEDWITH_EMPLOYER"/>
+
+<RELATIONSHIP SequenceNumber="2" xlink:from=" CURRENT_INCOME_ITEM_2" xlink:to=" EMPLOYER_1"
+xlink:arcrole="urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_ISASSOCIATEDWITH_EMPLOYER”/>
+ <!—Linking First Borrower’s Current Second Employer to Income -->
+ <RELATIONSHIP SequenceNumber="3" xlink:from="CURRENT_INCOME_ITEM_3" xlink:to="EMPLOYER_2"
+xlink:arcrole="urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_ISASSOCIATEDWITH_EMPLOYER”/>

chunks/txt/c97865b1cceb327b3c04e1405681a009664d45684be6187b78a743324160dfe4.txt

@@ -0,0 +1,28 @@
+Subordinate Liens beyond the second position need to be designated as “Other” under the
+LienPriorityType for DU.
+
+4c. Rental Income on the Property You want to Purchase
+
+If the subject property is a 2-4 Unit Primary or Investment property that the borrower is purchasing, the
+borrower will provide an estimate of expected monthly rental income. Lenders will calculate a net rental
+income. (Note that rental income on a property the borrower already owns is entered in section 3.a.)
+
+4d. Gifts or Grants You Have Been Given or Will Receive for this Loan
+
+Borrowers who receive gifts and/or grants for the loan, must indicate the amount or market value and the
+party that provided it. (If the gift or grant has been deposited into an asset account of the borrower, e.g.,
+checking account, then the amount of the gift is included in that asset account in addition to this section.)
+
+Section 5: Declarations
+Almost all the declarations related to the Property and the Borrower’s finances must be answered on the
+redesigned Form 1003. The DU Spec does not capture any declaration explanations and therefore they do
+not need to be included in the Loan Application Submission file.
+
+Section 6: Acknowledgements and Agreements
+FHA loans require the date that the signature was executed to be included in the Loan Application
+Submission file. The signature date is optional for Conventional and VA loans.
+
+The redesigned Form 1003 includes a section for the borrower’s signature; however, the Loan Application
+Submission file will only be populated with the date the loan application was signed. Lenders are not
+required to send a copy of the loan application in PDF but may be required to store a copy of the signed
+application in the loan file depending on the loan type and investor/insurer/guarantor policies.