Add files using upload-large-folder tool

chunks/json/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.json

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+{"chunk":{"char_end":369590,"char_start":367872,"chunk_id":"chk_b966d6a95ba8adb2","chunk_index":205,"chunk_sha256":"c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"A member of the Project Standards team reviews the package to determine if the project is eligible for\napproval.\n\nUpon completion of the review, Fannie Mae issues its decision to the lender via email and posts approved\nprojects on its website. See Condo, Co-op, and Planned Unit Development (PUD) Eligibility for approved\nprojects listed for each state, the District of Columbia, and the U.S. Virgin Islands.\n\nFannie Mae informs the lender of the specific review fee assessed for each PERS submission. Lenders are\nbilled for PERS review fees in their “Monthly Technology Invoice.” For fees, see the Project Eligibility Review\nService (PERS) Overview on Fannie Mae's website.\n\n3.\n\n4.\n\n5.\n\n6.\n\nFannie Mae reserves the right to request additional documentation it deems necessary to conduct a full review of the project.\n\nApproval Designations\n\nUpon completion of its review, Fannie Mae will issue one of the following project approval designations:\n\n• Conditional Project Approval,\n•\nFinal Project Approval,\n•\nIneligible, or\n•\nSuspension of the Application.\n\nLoans delivered with a PERS review must have a valid Fannie Mae Final Project Approval prior to delivery. Loans may not be\ndelivered under the Conditional Project Approval, Ineligible, or Suspension of the Application designations.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 145 of 166\n\nUAD 3.6 Policy\n\nAvailability of Project Information\n\nLenders submitting projects to PERS must ensure that the developer, builder, management company, and/or HOA will provide\nproject information to Fannie Mae as and when requested without charge. In the event the requested information is not provided,\nFannie Mae reserves the right to withdraw the PERS approval.\n"}

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+{"chunk":{"char_end":19272,"char_start":17632,"chunk_id":"chk_988bcb1458db048b","chunk_index":11,"chunk_sha256":"c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2023-037 Corrected typo in the ‘Definition / Additional Guidance’ column for Recommended Action (14.010).\n\n2023-001 Removed the “Under Review” watermark.\n\nDeleted Property Conforms to Surrounding Area (17.000), Property Nonconforming Reason (17.001), and Description\n(17.002).\n\n17 Market\n\n2023-031\n\nChanged Report Label for 17.003 to Market Area Boundary, and updated definitions and additional guidance throughout\nthe Market section accordingly.\n\nUpdated ‘Definition/Additional Guidance’ for Property Value Trend (17.019).\n\n2023-037 Corrected Report Field IDs 17.017-17.024 to match sample from Appendix C-1.\n\n18 Project\nInformation\n\n22 Sales\nComparison\nApproach\n\n2023-064 Clarified ‘Definition/Additional Guidance’ for Units Sold (18.007), Units for Sale (18.008), and Units Rented (18.009).\n\n2023-037 Added sample showing Report Field IDs for Project Blanket Financing (18.028-18.063)\n\n2023-018 Clarified additional cases when “None” displays in the Project Factors table (18.069, 18.073).\n\n2023-038 Clarified that Number of ADUs on Property (Not on Report) is required for sales comparables.\n\n2023-006 Clarified that Units in Structure (Not on Report) is required for sales comparables for dwellings and outbuildings.\n\n2023-025 Clarified requirements for Unit Identifier (22.07.01, 22.07.17, 22.09.02, 22.09.18).\n\n2023-039 Updated requirements for Floor Number (22.07.03, 22.07.20).\n\n2023-045 Dwellings Containing Units (Not on Report): Clarified that format is a number.\n\n2023-032 Removed Other as an allowable answer for Vehicle Storage Attachment Type (22.13.01, 22.13.05)\n\n2023-037 Corrected typo in the Outbuilding subsection name.\n"}

chunks/json/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.json

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+{"chunk":{"char_end":139407,"char_start":137579,"chunk_id":"chk_3d3b60a1510fceb2","chunk_index":78,"chunk_sha256":"ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239","token_estimate":457,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Completing the Desktop Appraisal\n\nSubject property information may be obtained from one or more data sources. The appraiser can accept data, photos, floor\nplans, and other information from a party who has a financial interest in the sale or financing of the property if the appraiser\nverifies such data from a disinterested source. The appraiser must determine if the information is accurate and reliable to\nproduce a credible report, which includes the features, quality, and condition of the subject property.\n\nVirtual inspection methods (including digital photos or videos) or other technological solutions (such as a machine-generated\nfloor plan) can augment the data and imagery used for a desktop appraisal. Information provided by the homeowner, potential\nborrower, or a third party can be used to develop the description of the interior and exterior of the improvements. Extraordinary\nassumption(s) or appraisals made \"subject to\" verification of the subject property's condition, quality, or physical characteristics\nare not permitted.\n\nThe lender remains responsible for the description of the property, and the accuracy of all data on the appraisal that pertains to\nthe property. This includes the property's condition and quality ratings. The lender is also responsible for ensuring the property\nmeets the property eligibility requirements in this Selling Guide. Lastly, the lender remains responsible for any life-of-loan\nrepresentations and warranties that may apply to the property or the appraisal.\n\nExhibits: Desktop appraisals require the same exhibits as traditional appraisals, including a floor plan. The Square Footage-\nMethod for Calculating: ANSI® Z765-2021 is not required for desktop appraisals but is encouraged when feasible. See SB4-1.2-01,\nAppraisal Reports and Exhibits for additional information.\n"}

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+{"chunk":{"char_end":54046,"char_start":53164,"chunk_id":"chk_d5b464570f89485f","chunk_index":31,"chunk_sha256":"ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9","token_estimate":221,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"•\n•\n•\n•\n\n•\n\n05.043\n\nID\n\nDisplays if Credential\nType is not None\n\nFree-form\n\n05.044\n\nState\n\nDisplays if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nNote: Redisplays from 04.018 (Appraiser) or 04.033 (Supervisory Appraiser).\n\nThe credential as reported by the ASC. Commonly referred to as “credential\nnumber,” “license number,” or “certification number.”\nNote: Redisplays from 04.019 (Appraiser) or 04.034 (Supervisory Appraiser).\n\nState credential that applies to the assignment, commonly referred to as the\n“credentialling state.”\nNote: Redisplays from 04.020 (Appraiser) or 04.035 (Supervisory Appraiser).\n\n05.045 Expires\n\nDisplays if Credential\nType is not None\n\nmm/dd/yyyy\n\nExpiration date of the credential.\nNote: Redisplays from 04.021 (Appraiser) or 04.036 (Supervisory Appraiser).\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 28 of 28\n\nVersion 1.3\n"}

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+{"chunk":{"char_end":4868,"char_start":3252,"chunk_id":"chk_d93fbdfd13faa396","chunk_index":2,"chunk_sha256":"ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee","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":"Planned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ3\nC1\n\nYes No\n \n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 2 of 24\nPage 2 of 24\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nMary Jones\nMichael Jones\nXYZ Builders\nXYZ Builders\n\nContact Information\n\nLender\n\nCompany Name\nCompany Address\n\nABC Lender\n400 Apple Ln\nAnytown, IL 54321\n\nClient/Appraisal Management Company\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nDIY AMC\n500 Park St\nOthertown, IL 54322\n\nSam Appraiser\nXYZ Appraisals\n123 Main St\nAnytown, IL 54321\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n\nAssignment Information and Scope of Work Commentary\n\nProperty Valuation Method\n\nDesktop Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\nAMC Fee\n\n$0\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nCredentials\n\nID\nState\nExpires\n"}

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+{"chunk":{"char_end":185426,"char_start":183777,"chunk_id":"chk_18896ddd0f0d0dfd","chunk_index":188,"chunk_sha256":"ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084","token_estimate":412,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1500.0042\n\nHazardZoneType\n\n−\n\nDisplay when LandOwnedInCommonIndicator = \"false\" AND\nPropertyMixedUsageIndicator = \"true\"\nIf there are multiple non-residential uses, they are displayed in the same row\nand separated by a pipe (|)\nDisplay when @ValuationUseType = \"SubjectProperty\" AND\nPropertyMixedUsageIndicator = \"true\"\nDisplay when @ValuationUseType = \"SubjectProperty\" AND\nPropertyMixedUsageIndicator = \"true\"\n\nAlways displays\n\nAlways displays\n\n− When HazardZoneType = \"USGSLavaFlowZone\" display the zone\n− When there are multiple hazard zones, they are displayed in the same row\n\nand separated by a pipe (|)\n\n− When “None”, “No Hazard Zone Noted” displays (Figure 4 - 9)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 128\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nSite: Site Features and Impact to Value/Marketability\n\n4.048\n\nImpact\n\n1500.0187\n\nValueMarketabilityImpactType\n\n4.049\n\nComment\n\n1500.0186\n\nValuationCommentText\n\n4.050\n\nProperty Restriction\n\n1500.0012\n\nEncumbranceType\n\nDisplay when @ValuationUseType = \"SubjectProperty\" AND\nHazardZoneType <> \"None\"\nDisplay when (@ValuationUseType = \"SubjectProperty\" AND\nHazardZoneType <> \"None\" AND\nValueMarketabilityImpactType = \"Adverse\")\nOR\n(@ValuationUseType = \"SubjectProperty\" AND\nHazardZoneType <> \"None\" AND\n(ValueMarketabilityImpactType = \"Beneficial\" OR \"Neutral\") AND Exists)\nDisplay when exists\nEach Property Restriction displays on a separate row\n\n−\n− When there are no property restrictions, this row does not display\n\n4.051\n\nDetail\n\n4.052\n\nImpact\n\n1500.0002\n\nRestrictionType\n\nDisplay when EncumbranceType = “ConditionsCovenantsRestrictions”\n"}

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+{"chunk":{"char_end":14707,"char_start":13099,"chunk_id":"chk_32839d78c625dd31","chunk_index":8,"chunk_sha256":"ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Foundation\n\nHUD Data Plate\n\nThis is where the Manufactured Home Foundation photo\nwould display.\n\nHUD Certification Label\n\nHUD Certification Label\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 30\nPage 9 of 30\n\nManufactured Home (continued)\n\nRetailer’s Invoice\n\nThis is where the Retailer’s Invoice photo would display.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 10 of 30\nPage 10 of 30\n\nManufactured Home (continued)\n\nManufacturer’s Invoice\n\nThis is where the Manufacturer’s Invoice photo would display.\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,568 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\nPlans and Specs\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\n3\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,568 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n3 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n1 - Utility Room\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 30\nPage 11 of 30\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n"}

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+{"chunk":{"char_end":96452,"char_start":94841,"chunk_id":"chk_cfe62c698fde5781","chunk_index":53,"chunk_sha256":"ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Enhancements\n Escrow Details\n GSE Transaction\n\nDetails\n\n Program Identifiers,\n\nIFIs\n\nBalloonResetIndicator =\n“true” and\nLoanStateDate = Date\ndata retrieved from\nsubmitter’s system\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 40 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nThe “AtReset” LOAN container must be submitted in addition to both the LOAN\ncontainer with a LoanStateType of “AtClosing” (providing data about the original\nloan prior to reset) and the LOAN container with a LoanStateType of “Current”\n(providing the data at the point in which it was retrieved from the submitter’s\nsystem).\n\nf. Loans with Related Liens.\n\nIf the loan being delivered is associated with other liens against the same property,\na container must be sent with a LoanRoleType of “RelatedLoan” to describe the\nrelated lien(s). There are two different treatments of related loans, depending on\nwhether the loan being delivered to the GSE is a first or second lien.\n\nIf a second lien is being delivered, all the data about the second lien loan should be\nsubmitted in the AtClosing container, as described in Section “a” for non-modified\nloans. The data about the related first lien should be delivered in a LOAN container\nwith LoanRoleType = “RelatedLoan” and a LoanStateType of “AtClosing.” This\nrelated LOAN container holds a limited set of data about the note terms of the\noriginal first lien.\n\nFigure IV-13. LOAN Containers Required when a Second Lien is Being Delivered\n\nSubject Loan / At\nClosing\n"}

chunks/json/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.json

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+{"chunk":{"char_end":35208,"char_start":33405,"chunk_id":"chk_cd3836384ff6862b","chunk_index":13,"chunk_sha256":"ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 2. UCD v2.0 Excerpt - <Section Name> Data Requirements.\n\nUCD UID\n\nData Point or Attribute\n\nDelivered Value\n\nImplementation Notes\n\nThe XPath to the data point. For child containers or repeated containers following the first green bar with the complete XPath, the\nnotation “…/” stands for missing preceding containers in the XPath.\n\nThe Unique ID\nassigned to the data\npoint or attribute in\nthe UCD v2.0 Spec.\n\nThe data point or attribute that\nare the topic of the I-Guide\nsection.\n\nFor illustration purposes, the values\nprovided in the associated fields of the\nCD rendering example.\n\nGuidance for using the data\npoint/attribute or what values to\nprovide. May supplement I-Notes in\nthe UCD v2.0 Spec.\n\nb. Reusable Containers and Data Points\n\nA few containers can be used in multiple XPaths, which provide the context and definition for the “reusable” container .\nThe only way to fully define the data in reusable containers is to rely on the XPath to each container for context. The following\nfigure illustrates the concept of reusable containers using the ADDRESS container.\n\nFigure 2. Example of Reusable Containers in XML File.\n\nADDRESS\n\nThe MISMO v3.3.0 reusable container ADDRESS is used in multiple locations within the XML file. It\nappears as a child container of SUBJECT_PROPERTY (top XPath) and as a child container of PARTY\n(bottom XPath):\n\nc. MISMO Principles for Using the Enumerated Value “Other” and the Attribute DisplayLabelText\n\nBased on MISMO® standards of use and best practices, the use of “Other” should be reserved for cases where the specified\nenumeration is too rare or too specific for a reasonable match. Then, the value “Other” plus a value in the “OtherDescription”\ndata point may be used. It is not acceptable to use “Other” to replace wording of a supported enumeration.\n"}

chunks/json/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.json

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+{"chunk":{"char_end":720,"char_start":0,"chunk_id":"chk_ab7f0cdf362ab194","chunk_index":0,"chunk_sha256":"ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_297a08630b7c31a8","text_sha256":"ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810","token_estimate":180,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-dec-31-2020.pdf","below_target_min_tokens"]},"text":"Upcoming PE – Whole Loan Changes Scheduled for December\n\nIntegration Impact Memo\n\nPlease note the upcoming changes scheduled for Pricing & Execution - Whole Loan® (PE - Whole Loan).\n\nDec. 8, 2020\n\nLIBOR Transition\n\nEffective December 31, 2020, Fannie Mae will cease purchase of LIBOR-Based ARMS. Leading up to this date,\ncommitment lengths provided for LIBOR-Based ARMS will be shortened so as not to have any delivery dates\nextend past the end of the year. Visit Fannie Mae’s LIBOR Transition page for more information on how we\nare preparing.\n\nQuestions? Please email pewl_integration@fanniemae.com.\n\nThank you,\n\nPE Whole Loan Support Team\n\nSee instructions above to update confidentiality footer\n\n12.8.20 Page 1 of 1\n"}

chunks/json/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.json

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+{"chunk":{"char_end":14557,"char_start":12862,"chunk_id":"chk_cac6d3b2d7930b35","chunk_index":7,"chunk_sha256":"caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"The NMDB assembles credit, administrative, servicing, and property data for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States. The database includes the following information:\n\n- mortgage performance from origination to termination;\n- mortgage terms;\n- property value and characteristics;\n- type and purpose of the mortgage product;\n- sale in the secondary mortgage market; and\n- credit-related information on all mortgage cosigners, including second liens, other past and present mortgages, and credit scores from one year before origination to one year after termination.\n### Related Docum​ents\n\n[Privacy Impact Assessment](/document/nmdb-pia.pdf) (11/8/2023)\n\n[Notice of Revision to an Existing System of Records: National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2016-n-13) (12/28/2016)\n\n[Revised System of Records-National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2015-n-07) (8/28/2015)\n\n[FHFA Update About the National Mortgage Database](/sites/default/files/2023-03/nmdb_update_08012014.pdf) (8/1/2014)\n\n[System of Records: National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2014-n-03) (4/16/2014)\n\n[Privacy Impact Assessment](/sites/default/files/documents/NMDB%20PIA%20Version%202%20-%2011062013.pdf) (11/6/2013)\n\n[Notice of Proposed Establishment of New System of Records](/regulation/federal-register/privacy-act-system-of-records-notice/2012-n-18) (12/10/2012)\n\n[Privacy Impact Assessment](/sites/default/files/2023-03/nmdb_pia_2012_redacted_508.pdf) (9/17/2012)\n"}

chunks/json/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.json

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+{"chunk":{"char_end":1719,"char_start":0,"chunk_id":"chk_7954790864d41fca","chunk_index":0,"chunk_sha256":"caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/dashboard\"\ndate_accessed: \"2026-01-27T17:47:50.371Z\"\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"}

chunks/json/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.json

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+{"chunk":{"char_end":122601,"char_start":120972,"chunk_id":"chk_115902d2b33dd3ec","chunk_index":70,"chunk_sha256":"cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Neighborhood name may not apply in some areas, such as rural areas. In\nthis case, enter None when the row is included in the Sales Comparison\nApproach (22.03.03) or Rental Information (23.03.02).\n\nSubject Property Characteristics (Checkboxes)\n\nAppendix F-1: URAR Reference Guide\n\nPage 47 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Subject Property\n\nReport\nField ID\n\n3.010\n\nSubject Property: Subject Property Characteristics (Checkboxes)\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAlways required\n\nYes | No\n\nPlanned Unit\nDevelopment\n(PUD)\n\nProperty in a PUD\nIndicates whether the property is in a PUD. A PUD is a subdivision that consists\nof common property and improvements that are owned and maintained by a\nhomeowners association (HOA) for the benefit and use of the individual PUD\nunit owners. A unit owner in the PUD has title to a residential property (parcel\nand dwelling) and an interest in the HOA that owns or manages the common\nareas and facilities of the PUD.\n\nNotes:\n•\n\nSelect Yes when all lot or unit owners are required to have an interest in\nthe HOA managing the PUD common areas and facilities.\nSelect No if the property is in a condo, co-op, or condop.\nA PUD may be comprised of manufactured homes when meeting the\ndefinition.\nA project or subdivision with voluntary HOA membership must not be\nidentified as a PUD.\n\n•\n•\n\n•\n\n3.011\n3.012\n3.013\n\n3.011\n3.012\n3.013\n\n3.014\n\nCondominium\nCooperative\nCondop\n\nCondominium\nCooperative\nCondop\n\nProperty on\nNative American\nLands\n\nAlways required\n\nYes | No\n\nCheckboxes are checked based on Property in a Project\n•\n•\n"}

chunks/json/cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":13497,"char_start":11967,"chunk_id":"chk_9e6d2fcff1090949","chunk_index":7,"chunk_sha256":"cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617da7ffffdf3019","text_sha256":"cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Affordable_Housing___Community_Investment___FHFA_57mm4d.md"]},"text":"**Community Development Financial Institution (CDFI) Membership**\n\nCDFIs are specially designated financial institutions that serve markets underserved by traditional financial institutions. To learn about CDFI Membership click [here](/programs/community-support-program-and-cdfi-membership#CDFIMembership).\n\n**Housing Goals**\n\nThe FHLBanks purchase loans from their members under the acquired member assets program, a whole loan mortgage purchase program. The FHLBanks' housing goals performance is based on single-family whole loans purchased through their acquired member assets programs. In 2023, 9 of 11 FHLBanks purchased whole loans through those programs. To learn more about Housing Goals click [here](/programs/federal-home-loan-banks-housing-goals).\n\n*Page Last Updated: October 15, 2025*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}

chunks/json/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.json

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+{"chunk":{"char_end":18202,"char_start":17717,"chunk_id":"chk_5bbbac427b0ea827","chunk_index":19,"chunk_sha256":"cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446","token_estimate":459,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Site .............................................................................................................................................................................................................................................. 57\n\nDwelling Exterior ........................................................................................................................................................................................................................ 57\n"}

chunks/json/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.json

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+{"chunk":{"char_end":764493,"char_start":762866,"chunk_id":"chk_dc7b7bbe2047da5e","chunk_index":453,"chunk_sha256":"cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one selection from fields 1-\n132, 1-133, 1-134, 1-135, 1-136, 1-137\n(values of Project Design Type) should be\nindicated.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields 1-\n132, 1-133, 1-134, 1-135, 1-136, 1-137\n(values of Project Design Type) should be\nindicated.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields 1-\n132, 1-133, 1-134, 1-135, 1-136, 1-137\n(values of Project Design Type) should be\nindicated.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields 1-\n132, 1-133, 1-134, 1-135, 1-136, 1-137\n(values of Project Design Type) should be\nindicated.\n\nOne and only one value of fields 1-120, 1-\n121 (values of GSE Special Flood Hazard\nArea Indicator) should be indicated.\n\nThis field should be populated if a FEMA\nmap exists for the area.\n\nIf field 1-122 (GSE NFIP Flood Zone\nIdentifier) has a value that does not equal\n'None', this field should be populated.\n"}

chunks/json/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.json

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+{"chunk":{"char_end":10328,"char_start":8442,"chunk_id":"chk_dd1d10223330184a","chunk_index":5,"chunk_sha256":"caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d","token_estimate":472,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"For DU to consider positive rent payment history for a specific borrower, that borrower must:\n\n▪ Not have mortgage reported on their credit report,\n\n▪ have a limited credit history, or\n\n▪ have no credit score.\n\n© 2024 Fannie Mae.\n\n11.20.24\n\n3 of 4\n\nDU will continue to issue messages specifying when the borrower’s rent payment history was used and will indicate if that rent\nwas used from the asset verification report or the credit report. When the rent payment was not used, DU will continue to indicate\nthe reason it was not used.\n\nMission Index Information\n\nThe following new Observation messages are being added in support of the Mission Index:\n\n▪ A new message will be added when the census tract obtained for the property was based on the zip code specifying\nthat the Mission Index information may change when the loan is sold to Fannie Mae if more updated information is\navailable; and\n\n▪ A new message will be added when the Mission Index is 0.\n\nValue Acceptance LTV Ratio\n\nAs announced on Oct. 28, 2024, the eligible loan-to-value (LTV) ratios for purchase loans to receive a Value Acceptance offer will\nincrease from 80% to 90% and to receive a Value Acceptance + Property Data offer will increase from 80% to the program limits.\nThe table below outlines the updated eligibility that will be applied to loan casefiles submitted or resubmitted on or after the\nweekend of Jan. 11, 2025.\n\nPurchase transactions (1-unit only)\n\nUpdated maximum LTV ratio\n\nValue acceptance\n\nValue acceptance + property data\n\n90%1\n97%2 (up to program limits)\n\n1 Principal residences in “high-needs rural” locations are eligible up to a 97% LTV/105% CLTV (if the loan is part of a Community Seconds transaction) for\nborrowers at or below AMI, contingent on home property inspection.\n2 The CLTV may exceed the stated limit up to 105% CLTV only if the loan is part of a Community Seconds transaction.\n"}

chunks/json/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.json

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+{"chunk":{"char_end":452533,"char_start":450916,"chunk_id":"chk_c21fe61398a074b8","chunk_index":265,"chunk_sha256":"cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the Year Built is estimated.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE\nNSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio\nnName='UNIFORM APPRAISAL\nDATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN\nFORMATION/@GSEYearBuiltEstimationIndicator\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThis is a yes/no field that indicates whether the year built is estimated ('Y' indicates the\nyear built is estimated and 'N' indicates the year built is not estimated).\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 91 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\n151\n\n1\n\n144\n\nPROJECT\nINFORMATION\n\nYear Built\n\nProperty Structure\nBuilt Year\n\nThe year in which the dwelling on the\nproperty was completed.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@PropertyStructureBui\nltYear\n\n4\n\nDate/Time\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate the subject property’s year built in a four-digit\nformat only, such as 1978 or 2002.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"}

chunks/json/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.json

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+{"chunk":{"char_end":158095,"char_start":156452,"chunk_id":"chk_145ea3bda710e479","chunk_index":86,"chunk_sha256":"cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<IntegratedDisclosureCashToCloseItemChangeDescription>See Total Loan Costs (D) and Total Other Costs (I)<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>-5099.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>-5757.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>TotalClosingCosts</IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>true<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemChangeDescription>You paid these Closing Costs before closing<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>0.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>435.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>ClosingCostsPaidBeforeClosing<\n\n/IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>true<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemChangeDescription>See Payoffs and Payments (K)<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>-120000.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>-115000.00<\n"}

chunks/json/cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":10291,"char_start":8652,"chunk_id":"chk_520181a7f21e9825","chunk_index":5,"chunk_sha256":"cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d08352e661698a4","text_sha256":"cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Data___FHFA_vpjg5h.md"]},"text":"## Single-Family Mortgages Originated and Outstanding, 1990 – 2011 Q2\n\nStatistics for conventional and government-insured or -guaranteed loans and, within each of those sectors, for fixed-rate and adjustable-rate mortgages. Conventional loans are also divided into jumbo and non-jumbo loans.\n\nNote: Currently, FHFA does not have any plans to update this dataset through more recent periods.​\n\n## Datasets\n\n**Description** **Format** Enterprise Share of Residential Mortgage Debt Outstanding 1990 – 2010 [[XLS]](/sites/default/files/Enterprise_Share_of_Residential_Mortgage_Debt_Outstanding_1990_-_2010.xls) Single-Family Mortgage Originations, 1990 – 2011 Q2 [[XLS]](/sites/default/files/SF_Mortgage_Originations_1990-2011Q2.xls) Single-Family Mortgages Outstanding, 1990 – 2011 Q2 [revised 11/2/11] [[XLS]](/sites/default/files/SFMortgagesOutstanding1990to2011Q2rev1122011.xls) ## Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities\n\nData on activities by the Department of the Treasury and the Federal Reserve System to support mortgage markets through purchases of securities issued by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks and by Ginnie Mae, a federal agency that guarantees securities backed by mortgages insured or guaranteed by the Federal Housing Administration, the Department of Veterans Affairs, and other federal agencies. More details are available on the [Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities](/node/16956) page.\n\n*​Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.*\n"}

chunks/json/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.json

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+{"chunk":{"char_end":116775,"char_start":114873,"chunk_id":"chk_4886e4f247b5c88d","chunk_index":48,"chunk_sha256":"cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97","token_estimate":476,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Steve\n\nCole\n\nJr.\n\n…/PARTY/ADDRESSE\nS/ADDRESS\n\nAddressLineText\n\n321 Somewhere\nDrive\n\n2.2\n\nSeller\n\nAddressType\n\nMailing\n\nCityName\n\nAnytown\n\nCountryCode\n\nUS\n\nPostalCode\n\n12345\n\nStateCode\n\nST\n\n…/PARTY/ROLES/ROL\nE/ROLE_DETAIL\n\nPartyRoleType\n\nPropertySeller\n\nSecond Instance of PARTY for Amy\n\n…/PARTY/INDIVIDUA\nL/NAME\n\nFirstName\n\nLastName\n\n…/PARTY/ADDRESSE\nS/ADDRESS\n\nMiddle Name\n\nAddressLineText\n\nAmy\n\nDoe\n\nA.\n\n321 Somewhere\nDrive\n\nAddressType\n\nMailing\n\nCityName\n\nAnytown\n\nCountryCode\n\nUS\n\nPostalCode\n\n12345\n\nStateCode\n\nST\n\n…/PARTY/ROLES/ROL\nE/ROLE_DETAIL\n\nPartyRoleType\n\nPropertySeller\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\n▪ ROF as Seller\n▪ Qualifies the data\nin this PARTY\ncontainer\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\n▪ ROF as Seller\n▪ Qualifies the data\nin this PARTY\ncontainer\n\nAppendix E: UCD Implementation Guide\n\nPage 42 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n2. LEGAL ENTI TY\n\n2.0 Transaction Information\n\nIf the Seller is a non-individual such as a trust or company, the same data points (with the seller’s values) are\nrequired as for the legal entity borrower in Table 21. The ADDRESS container follows LEGAL_ENTITY_DETAIL.\n\nID\n\nForm Field\nName\n\nMISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 24. Seller (Legal Entity)\n\n2.2\n\nSeller\n\n…/PARTY/LEGAL_ENTITY/LEGA\nL_ENTITY_DETAIL\n\nFullName\n\nAnytown\nRedevelopment\nOrganization\n\n…/PARTY/ROLES/ROLE/ROLE_D\nETAIL\n\nPartyRoleType\n\nPropertySeller\n\n▪ ROF as Seller\n▪ Qualifies the data\nin this PARTY\ncontainer\n\n2. 3 LENDER\n\nAs shown in Figure 12, the lender company making the disclosure is the last item under Transaction\nInformation. In transactions with multiple lenders, identify only the lender making the disclosure. When the\nloan is originated by a mortgage broker, provide the lender organization, if known, even if the broker provided\nthe disclosure to the borrower.\n"}

chunks/json/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.json

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+{"chunk":{"char_end":327574,"char_start":325968,"chunk_id":"chk_e78312b1aa94dad9","chunk_index":180,"chunk_sha256":"cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576","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":"For certain loan casefiles, DU offers value acceptance + property data, an option that requires interior and exterior property data\ncollection to verify property eligibility prior to the note date. An appraisal is not required.\n\nEligible Transactions\n\nLoan casefiles for certain one-unit properties will be considered for value acceptance + property data.\n\nIneligible Transactions\n\nThe following transactions are not eligible for value acceptance + property data:\n\ntwo- to four-unit properties;\nco-op units;\n\n•\n•\n• manufactured homes;\n• proposed construction;\n•\n•\n• HomeStyle Renovation and HomeStyle Energy loans;\n•\n•\n•\n\nconstruction-to-permanent loans (single-close and two-close);\ninvestment properties when rental income is used to qualify the borrower;\n\nTexas 50(a)(6) loans;\nleasehold properties;\ncommunity land trusts or other properties with resale price restrictions, which include loan casefiles using the Affordable\nLTV feature;\ntransactions where either the purchase price or estimated value provided to DU is $1,000,000 or more;\ntransactions using gifts of equity;\n\n•\n•\n• DU loan casefiles that receive an Ineligible recommendation; and\n• manually underwritten loans.\n\nThe lender may not exercise a value acceptance + property data offer and must order an appraisal if one or more of the following\napplies:\n\n• DU was unable to identify ineligible criteria in the list above (for example, Texas Section 50(a)(6) loans);\n•\n\nthe lender is required by law to obtain an appraisal (see Selling Guide A3-2-01, Compliance With Laws); or\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 125 of 166\n"}

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+{"chunk":{"char_end":117660,"char_start":116027,"chunk_id":"chk_5c5f073d42b0a515","chunk_index":67,"chunk_sha256":"cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757","token_estimate":408,"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\nAssignment Information Exhibits\n\nAssignment\nInformation\nExhibits\n\nIf applicable\n\nPhotos or images\n\nPhotos or images relevant to the Assignment Information section may be\nprovided, which display in Assignment Information Exhibits. A caption must be\nprovided to further describe the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 45 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Subject Property\n\n03 Subject Property\n\nThe Subject Property section always displays, and provides overall information including the address, legal\ndescription, and ownership rights. This section provides space for additional commentary and exhibits.\n\nGeneral Information\n\nAddress, County, Neighborhood Name\n\nSubject Property: Address, County, Neighborhood Name\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n3.000\n\nPhysical Address Always required\n\nAllowable\nAnswers / Format\n\nFree-form, in\nformat that\nconforms to\naddress standards\nin USPS\nPublication 28,\nPostal Addressing\nStandards\n\nDefinition / Additional Guidance\n\nProperty Address: Physical address of the property being appraised.\nThe following address elements must be included:\n•\n\nStreet number and name (including pre-directional indicator, suffix, post-\ndirectional indicator)\nUnit number, if applicable\n\n•\n\no\n\no\n\no\n\nFor condos, co-ops, and condops, only use the unit number if it\nis in the USPS address.\nDo not use unit number for properties with more than one\nunit, such as 2- to 4-unit properties.\nIf the unit number is not applicable, leave it blank.\n"}

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+{"chunk":{"char_end":302537,"char_start":300936,"chunk_id":"chk_f77b476a8f63ac1c","chunk_index":178,"chunk_sha256":"cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Finished Below\nGrade\n\nAlways required\n\nNumber of square\nfeet\n\nBelow Grade Finished Area: The total below grade or partially below grade\nfinished area of the living unit.\n\nAppendix F-1: URAR Reference Guide\n\nPage 126 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior: Area Breakdown and Data Source, Finish of Below Grade Areas\n\nReport\nField ID\n\n10.007\n\nReport Label\n\nWhen to Include\n\nAlways required\n\nFinished Below\nGrade\n(Nonstandard)\n\nAllowable\nAnswers / Format\n\nNumber of square\nfeet\n\nDefinition / Additional Guidance\n\nBelow Grade Finished Area (Nonstandard): Fully or partially below grade\nfinished area(s) with direct interior access from within the dwelling not\nconforming to the ANSI ceiling height requirements or accessed through\nunfinished area(s), such as an unfinished hallway, a room, or staircase.\n\nNotes:\n•\n\n•\n\nIndicate the reason the area is nonstandard in Unit Interior Commentary\n(10.061).\nIf 0, Below Grade Finished Area (Nonstandard) does not display.\n\n10.008 Unfinished\n\nAlways required\n\nBelow Grade\n\nNumber of square\nfeet\n\nBelow Grade Unfinished Area: The total below grade unfinished area of the\nliving unit, including any areas that are fully or partially below grade.\n\n10.009 Area Data\n\nAlways required\n\nSource\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAssessor Record\nBuilder or Developer\nCondominium Questionnaire\nCooperative Board\nCooperative Questionnaire\nHomeowners Association\n\nThe data source(s) that the appraiser used to determine the area of the unit.\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n"}

chunks/json/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.json

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+{"chunk":{"char_end":6960,"char_start":4977,"chunk_id":"chk_cd451f9d01ca104b","chunk_index":3,"chunk_sha256":"cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d9c7431223b2e1d2","text_sha256":"cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398","token_estimate":496,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.pdf/announcement-sel-2025-10-selling-guide-updates.pdf"]},"text":"ADU expanded eligibility updates to our Selling Guide UAD 3.6 Policy Supplement include:\n\n Multi-unit properties: Allows two- to three-unit properties to include ADUs, provided the number of dwelling units in the\n\nprimary structure plus the ADUs does not exceed four.\n\n Multiple ADUs on single-unit properties: Extends eligibility to one-unit properties with up to three ADUs.\n\n One ADU for standard manufactured housing: Extends eligibility to single-unit manufactured homes (single- or multi-\n\nsection) as the primary dwelling with a single ADU classified as real property.\n\n Multiple ADUs for MH Advantage®: Extends eligibility to (single- or multi-section) MH Advantage as the primary\n\ndwelling, to include ADUs provided the number of dwelling units plus the ADUs (which must all be classified as real\nproperty) does not exceed four.\n\nProperties with multiple ADUs must still be classified as either single-unit or two- to three-unit principal residences.\n\nManufactured Homes expanded eligibility reflects a significant step toward expanding financing access and modernizing\nappraisal standards for diverse manufactured housing configurations.\n\nThe revisions include:\n\n•\n\nSingle- and Multi-section: Updates to definitions\n\n• Manufactured Home: Extends eligibility to two- to four-unit properties.\n\n• Multi-story Manufactured Homes: Extends eligibility to multi-story manufactured homes.\n\nEffective: These changes are effective Mar. 31, 2026, and are only available to lenders utilizing UAD 3.6 policy.\n\nPreventing, detecting, and reporting mortgage fraud clarifications\n\nWe eliminated duplicative and overly specific language regarding closing attorneys, settlement agents, and appraiser selection\ncriteria. We added references to additional seller/servicer resources for identifying fraud and clarified that any valid match to the\nDepartment of Treasury Office of Foreign Assets Control (OFAC) sanctions list must be reported to Fannie Mae within 24-hours of\nidentification.\n"}

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+{"chunk":{"char_end":3398,"char_start":1788,"chunk_id":"chk_347aa083d690a1f5","chunk_index":1,"chunk_sha256":"cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"• Defects are noted but no action required for the homeowner to repair as the homeowner is not\n\nresponsible for exterior maintenance\n\n• Floorplan has been included\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n201 UNDERHILL DR, UNIT 202, NOWHERE, CA 90021\n\nSUMMARY\n\nOpinion of Market Value\n\n$778,000\n\nMarket Value Condition\n\nAs Is\n\nProperty Valuation Method\nAppraiser Name\n\nHybrid Appraisal\nBill Smith\n\n09/08/2019\nRefinance\nJames Borrower\nLauren Lightfoot\nJames Borrower\nLauren Lightfoot\nNone\n\nAttached\nMid-rise\n\nOverall Quality\nOverall Condition\n\nQ4\nC3\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nListing Status\n\nProperty Description\n\nAttachment Type\nStructure Design\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nYes No\n \n \n \n \n \n \n\nYes No\n \n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n"}

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+{"chunk":{"char_end":18705,"char_start":15687,"chunk_id":"chk_db5f27565f977753","chunk_index":9,"chunk_sha256":"cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518","token_estimate":754,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"*Figure 6: How to Unfix the Map*\n\n- **What are Duty to Serve High-Needs Rural Areas?** - High-needs rural regions defined by FHFA[[1]](#ftn1) represent the following: - “high-needs rural region” as any of the following regions provided the region is located in a “rural area”: - Middle Appalachia;\n - the Lower Mississippi Delta;\n - a colonia census tract; or\n - a tract located in a persistent poverty county and not included in Middle Appalachia, the Lower Mississippi Delta, or a colonia census tract.\n - **The Duty to Serve High-Needs Area filter doesn’t give me any options.** - The “High-needs areas only” option is unavailable when there is no Duty to Serve High-Needs area in the selected map region. Likewise, the “Non-High-needs areas only” option is not available when there are only Duty to Serve High-Needs rural areas in the selected map region.\n - **What are the differences between Insufficient Data, No Rating, and Not Applicable in Risk Ratings?** - If a community is displayed in the application as having “No Expected Annual Loss” for the selected hazard type, the rating will show “No Rating” for its Risk Index for that hazard type. “No Rating” indicates that this community does not have any expected physical risk for the selected hazard type.\n - If a factor used to calculate the Expected Annual Loss of a census tract or county for a hazard type has a null value, the community is rated as having “Insufficient Data.”\n - The communities are displayed as “Not Applicable” if communities are located where no documented risk exists for the hazard type and where the hazard type is deemed not likely to occur.\n - Please review page 36 of [FEMA’s NRI Technical Document](https://www.fema.gov/sites/default/files/documents/fema_national-risk-index_technical-documentation.pdf) for more details.\n - **How can I export the results in the dashboard to the Excel or CSV file?** - To export the \"Acquisition\" Tab results, first click \"Acquisition\" in the \"Select Chart/Table\" filter and select other filters based on your interest. Then click \"Export to Excel\" and select \"Acquisition.\" Select a format and click \"Download.\"\n - To export the \"Acquisition Distribution by Risk Rating\" Tab results, click \"Acquisition Distribution by Risk Rating\" in the \"Select Chart/Table\" filter and select other filters based on your interest. Then click \"Export to Excel\" and select \"DIST-SF\" to download Single-Family distribution. Select a format and click \"Download.\" Click \"Export to Excel\" again and download \"DIST-MF.\" Combine the two Excel files.\n - To export the \"National Risk Index\" Tab results, click \"National Risk Index\" in the \"Select Chart/Table\" filter and select other filters based on your interest. Then click \"Export to Excel\" and select \"NRI-1\" to download Single-Family distribution. Select a format and click \"Download.\" Do the same process for NRI-2 to NRI-5 as well and combine those.\n ![Figure 7: Export to Excel Example](/sites/default/files/2024-09/figure-7-export-to-excel-example.png)\n"}

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+{"chunk":{"char_end":61775,"char_start":60108,"chunk_id":"chk_bfb10e2861bb2568","chunk_index":51,"chunk_sha256":"cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"•\n\n“true”\n\no Display sub-header: Additional Appraiser Certifications (FID: 09.017)\no Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\no Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0025, FID: Not on report) = “Appraiser”\no Display the text from ValuationAdditionalCertificationText (UID: 2200.0024, FID: 09.018) and deliver in XML.\n\n▪ Additional certifications are numbered starting at 1.\n\n•\n\n“false”\n\no Do not display\n\nSupervisory Appraiser Certifications\n\nPage 51\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\n09.019\n\nSupervisory Appraiser Certifications\n\n09.020\n\nThe Supervisory Appraiser certifies and agrees that:\n\n09.021\n\n1\n\nI have no present or prospective interest in the subject property, or relationship with the present or\nprospective owners or occupants of the subject property, or other parties involved in this transaction.\n\nDisplay Rules\n\nDisplay when PartyRoleType =\n\"AppraiserSupervisor\"\n\nPage 52\n\nReport\nField ID\n\n09.022\n\n09.033\n\n09.034\n\n09.035\n\nCert #\n\nCertifications Text\n\nDisplay Rules\n\n2\n\n3\n\n4\n\n5\n\nI performed this assignment without bias with respect to the parties involved in this transaction, the subject\nproperty, or the demographics of the area where the property is located.\n\nI am aware of and have complied with all applicable laws and regulations including antidiscrimination laws,\nrules, and requirements that apply to the appraiser and to the assignment.\n\nI accept full responsibility for this certification of completion.\n\nThe assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n"}

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+{"chunk":{"char_end":10991,"char_start":8967,"chunk_id":"chk_48c0d593974c0b53","chunk_index":5,"chunk_sha256":"cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940","token_estimate":506,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Act requires FHFA to publish any HMDA data the\nEnterprises possess. See Notice of Order: Revisions\nto Enterprise Public Use Database, 75 FR 41180,\n41184 (July 15, 2010) (FHFA 2010 Order).\nRegulation C also requires covered entities to report\non activities that are not relevant to the PUDB, such\nas loan application denials. The PUDB only\nincludes loan purchase records.\n\n9 CFPB, Final Rule, Home Mortgage Disclosure\n(Regulation C), 80 FR 66128 (Oct. 28, 2015); 12 CFR\npart 1003. The CFPB amended Regulation C twice\nin 2019, but these amendments do not change the\nHMDA data elements, and therefore do not impact\nthe Safety and Soundness Act requirement for the\nPDUB to include HMDA data. See 84 FR 69994\n(Dec, 20, 2019) and 84 FR 58003 (Oct. 29, 2019).\n10 The Regulation C reporting requirements\ndistinguish between loan purchases and loan\noriginations, and exclude loan purchases from some\ndata reporting requirements that apply to loan\noriginations. FHFA has determined that because the\nEnterprises are not purchasers under Regulation C,\nthey do not qualify for any of the exemptions for\nHMDA loan purchasers when reporting HMDA data\nto FHFA for the PUDB. See, e.g., FHFA 2010 Order,\n75 FR at 41185 (adding Rate Spread to the PUDB\ndespite the fact that Regulation C did not require\nloan purchasers to report Rate Spread at that time).\nInstead, the PUDB records include data elements\nthat would only be required for loan originations in\nthe CFPB’s dataset. In addition, the CFPB’s public\ndataset only includes records for loans sold to the\nEnterprises in the same calendar year as origination,\nbut the PUDB includes records for all loans\npurchased by the Enterprises in a calendar year,\nregardless of year of origination. The PUDB also\nmay contain HMDA data for loans that were exempt\nor partially exempt from HMDA reporting\nrequirements under Regulation C because the\nEnterprises have uniform seller data requirements\nthat generally are not based on the loan originator’s\nstatus as a HMDA reporter covered by Regulation\nC.\n"}

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+{"chunk":{"char_end":21241,"char_start":20780,"chunk_id":"chk_540ff74c73bf3453","chunk_index":25,"chunk_sha256":"cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"UAD 3.6 XML file......................................................................................................................................................................................................................... 65\n\nAppraisal Report – PDF requirements ........................................................................................................................................................................................ 65\n"}

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+{"chunk":{"char_end":417763,"char_start":416154,"chunk_id":"chk_490db0da0717cf94","chunk_index":247,"chunk_sha256":"cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n17.010 Pending Sales\n\nAlways required\n\nNumber\n\nDefinition / Additional Guidance\n\nPending Sales: The number of pending sales in the defined market area that\ndirectly compete with the subject, as of the appraisal effective date. Can be 0.\n\nSales within Lookback Period\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific requirements for the minimum lookback period.\n\nReport\nField ID\n\n17.011\n\n17.012\n\nMarket: Search Result Metrics – Sales Within Lookback Period\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSales in Past __\nMonths\n\nSales in Past __\nMonths\n\nAlways required\n\nNumber of\nmonths\n\nLookback Period: The number of months back from the appraisal effective date\nthat the appraiser used to analyze and report on sales.\n\nAlways required\n\nNumber of sales\n\nSales in Lookback Period: The number of sales of competitive properties in the\ndefined market area during the lookback period.\n\n17.013\n\nLowest Sale\nPrice\n\n17.014 Median Sale\nPrice\n\nRequired when Sales\nin Lookback Period is\nnot 0\n\nRequired when Sales\nin Lookback Period is\nnot 0\n\nDollar amount\n\nLowest Sale Price in Lookback Period: The lowest sale price of the competitive\nproperties in the defined market area during the lookback period.\n\nDollar amount\n\nMedian Sale Price in Lookback Period: The median sale price of the competitive\nproperties in the defined market area during the lookback period.\n\nAppendix F-1: URAR Reference Guide\n\nPage 178 of 375\n\nVersion 1.3\n"}

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+{"chunk":{"char_end":3239,"char_start":1638,"chunk_id":"chk_c2ae86f06acd4406","chunk_index":1,"chunk_sha256":"cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"MF NFP\n\nMultifamily\nProperties\n\nNational File\nProperty Level\n\nThe “National File” consists of two parts: this part contains property-level data for all multifamily\nproperties.\nProperty and unit class records are linked by the “Record Number” field.\n\nMF NFU\n\nMultifamily\nProperties\n\nNational File Unit\nClass Level\n\nThe “National File” consists of two parts: this part consists of unit class-level data for all multifamily\nproperties.\nProperty and unit class records are linked by the “Record Number” field.\n\nMF CTF\n\nMultifamily\nProperties\n\nCensus Tract File\n\nThe “Census Tract File” contains property-level data on all multifamily properties.\nBeginning with the 2018 release, additional fields 17-30 are sourced from FHFA and based on available\nEnterprise data unless otherwise indicated, as described in 85 Fed. Reg. 34196 (June 3, 2020), see\nhttps://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf.\n\nNotes:\n\n1. Data are available at https://www.fhfa.gov/pudbdata in TXT and CSV formats.\n\n2. TXT format files do not have header rows. Fields in TXT format files are separated by blank space(s) and are positional.\n\n3. CSV format files have header rows.\n\nTOC\n\n2\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\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\nField # Field\nWidth\n1\n\n1\n\n3\n\n4\n\n1\n\n1\n\n2\n\n8\n\nrecord_num_sf_nfa\n\nRecord Number\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\nmetro\n"}

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+{"chunk":{"char_end":340059,"char_start":338124,"chunk_id":"chk_4a9cd1f1184f99e9","chunk_index":186,"chunk_sha256":"cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b","token_estimate":484,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"10.7: Reg §1026.38(i)(7), pp. 80124-25, 80018-19; 10.7.2: Reg §1026. 38(i)(7)(ii)-1, p. 80355.\n\n10.8: Reg §1026.38(i)(8), pp. 80125, 80019; 10.8.2: Reg §1026. 38(i)(8)(ii)-1, p. 80355.\n\n10.9: Reg §1026.38(i)(9), pp. 80125, 80019; 10.9.2: Reg §1026. 38(i)(9)(ii)-1, 2, p. 80355.\n\n10.A ALTERNATIVE CALCULATING CASH TO CLOSE TABLE\n\nAppendix E: UCD Implementation Guide\n\nPage 155 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.A Alternative Calculating Cash To Close Table\n\nThe Regulation provides an optional streamlined Alternative Calculating Cash to Close table (Alternative table)\nfor transactions without a seller, because the level of detail in the Calculating Cash To Close table required for a\npurchase transaction may not be necessary. By Regulation, the Alternative table must be used in the Closing\nDisclosure if it was provided on the Loan Estimate associated with the transaction. All UCD files representing\nnon-seller transactions that are submitted to the GSEs must use the Alternative table.\n\nThe Alternative version of the Calculating Cash to Close table that must be used with the Closing Disclosure\nAlternate Form consists of four columns and five rows, as shown in the following figure. The first column\nitemizes the components of the Cash to Close calculation. The second column includes the estimated amounts\nof Cash to Close from the Loan Estimate. The third column includes the actual amounts of the Cash to Close and\nits components without rounding. In both the second and the third columns, the amounts that increase the total\nCash to Close amount are shown as positive numbers, and the amounts that reduce the total Cash to Close\namount are shown as negative numbers. The fourth column indicates whether the actual amount is different\nfrom the estimated amount; and if so, explains the difference and provides cross-references to other relevant\ninformation disclosed on the Closing Disclosure, as applicable.\n"}

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+{"chunk":{"char_end":149262,"char_start":147532,"chunk_id":"chk_78e65cb4660792bb","chunk_index":86,"chunk_sha256":"cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5","token_estimate":433,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Residential Use\n\nYes | No\n\nPercent\n\nRequired if Non-\nResidential Uses on\nProperty is Yes\n\nRequired for FHA,\nUSDA, and VA\nappraisals if Non-\nResidential Uses on\nProperty is Yes\n\nIndicates whether the property's use is primarily residential when the property\nincludes non-residential space set aside to operate a business. Although income\nshould be considered, it may not be the sole determining factor if the property\nis primarily residential.\n\nPercent of Residential Use\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nAppendix F-1: URAR Reference Guide\n\nPage 58 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Property Use\n\nReport\nField ID\n\n4.017\n\nReport Label\n\nWhen to Include\n\nNon-Residential\nUse\n\nRequired if Non-\nResidential Uses on\nProperty is Yes\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\n4.018\n\nNon-Residential\nModification\n\n4.019\n\nDescription of\nNon-Residential\nUse /\nModification\n\nRequired if Non-\nResidential Uses on\nProperty is Yes\n\nRequired if Non-\nResidential Uses on\nProperty is Yes\n\nYes | No\n\nFree-form\n\nProperty Access\n\nDefinition / Additional Guidance\n\nThe type(s) of non-residential use observed on the property.\n•\n•\n\nAgricultural\nCommercial (e.g., retail, day care, elder care, beauty or barber shop,\ndoctor’s office)\nIndustrial\nOther (Describe)\n\n•\n•\n\nNotes:\n•\n•\n\nAlso displays in the Site Features Table (4.044).\nPhoto(s) of non-residential use must be provided, which display in Site\nExhibits with the caption “Non-Residential Use”. An additional caption\nincluding the type of non-residential use, location, and any other\ndescriptive information as appropriate must be provided.\n"}

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+{"chunk":{"char_end":156729,"char_start":154782,"chunk_id":"chk_99795b12edcb889e","chunk_index":91,"chunk_sha256":"cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63","token_estimate":487,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Fireplace']/@_\nCount\n\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\nA free-form text field used to\ndescribe, in detail, the amenity\nspecified by Amenity Type.\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\nA free-form text field used to\ndescribe, in detail, the amenity\nspecified by Amenity Type.\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Patio']/@_Exis\ntsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Patio']/@_Deta\niledDescription\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Pool']/@_Exist\nsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Pool']/@_Detai\nledDescription\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='WoodStove']/\n@_ExistsIndicator\n\n188\n\nIMPROVEMENTS\n\nAmenities\nWoodstove(s) #\n\nAmenity Detailed\nDescription\n\nA free-form text field used to\ndescribe, in detail, the amenity\nspecified by Amenity Type.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='WoodStove']/\n@_Count\n\n189\n\nIMPROVEMENTS\n\nAmenities\nFence\n\nAmenity Exists\nIndicator\n\n190\n\nIMPROVEMENTS\n\nAmenities\nFence Description\n\nAmenity Detailed\nDescription\n\n191\n\nIMPROVEMENTS\n\nAmenities\nPorch\n\nAmenity Exists\nIndicator\n\n192\n\nIMPROVEMENTS\n\nAmenities\nPorch Description\n\nAmenity Detailed\nDescription\n\n193\n\nIMPROVEMENTS\n\nAmenities\nOther\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\nA free-form text field used to\ndescribe, in detail, the amenity\nspecified by Amenity Type.\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\nA free-form text field used to\ndescribe, in detail, the amenity\nspecified by Amenity Type.\nIndicates that the amenity specified\nby Amenity Type is present in the\nstructure.\n"}

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+{"chunk":{"char_end":1856,"char_start":1818,"chunk_id":"chk_512a7ab875f4bdb2","chunk_index":1,"chunk_sha256":"cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4aa9c5ce84c3a0ef","text_sha256":"cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753","token_estimate":13,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uad-compliance-api-early-access.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae 3.29.24 Page 1 of 1\n"}

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+{"chunk":{"char_end":28473,"char_start":26098,"chunk_id":"chk_ffb6ede28b48d8e9","chunk_index":9,"chunk_sha256":"cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d","token_estimate":594,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"A. DOCUMENT ORGANIZATION\n\nXML elements referred to as “containers” are categories of data. In MISMO, the containers are organized hierarchically, with\nthe container coming first in the XML file being at the highest summary level. The first (root) container in the XML file,\nMESSAGE, is the common ancestor to all containers in the XML file and sits at the top level of the hierarchy. We will not have\nany more information about what’s inside MESSAGE until we start reading further down in the XML file (the XPath).\n\nSince containers are integral to the XML file and represent logical groupings of information, the I-Guide is organized in UCD\nXML file container order. Readers can use the I-Guide as a reference as they are walking through UCD v2.0. In “III. XML File\nHandling”, “V.J. Projected Payments Table Data” and “V.O. High Cost and QM Data”, the order of topics diverges from the\nXML file XPath to keep like data together.\n\nCurrent UCD file submitters may be familiar with previous versions of the I-Guide which were organized in the order of the\nCD, with section and chapter numbers representing the CD field ID.\n\nB. XML FILE DATA PAYLOAD A TO Z CHAPTER ORGANIZATION\n\nSection V is an in-depth walk through of the data payload carried by the XML file in the order presented in the UCD Spec.\nThere are 26 chapters corresponding to the letters of the alphabet. The purpose of each chapter is to provide a summary,\nstructure, context, data point guidance and XML snippet of the data that is the topic of the chapter.\n\n1. XML FILE CONTAINER STRUCTUR E\n\nEach chapter starts with a tables of XML file containers holding either child containers or data points discussed in the\nchapter. The container names correspond roughly to data categories to provide a framework for understanding the contents\nof the file. The containers in each table progress systematically through the XML file following the order of the MISMO v3.3.0\nschema, with the first container in each I-Guide section’s table starting immediately after the last container in the table from\nthe previous section.1 Child containers that are not applicable to UCD v2.0 are excluded, so the table is not an accurate\nrepresentation of the full MISMO v3.3.0 schema. If the container structure omits child containers that were included in UCD\nv1.5, a note beneath the table identifies the containers that were removed.\n"}

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+{"chunk":{"char_end":54893,"char_start":54198,"chunk_id":"chk_3f5edb59d624b9c8","chunk_index":85,"chunk_sha256":"cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539","token_estimate":599,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 264\n\nFinancial Sales Concessions ...................................................................................................................................................................................................... 265\n\nSales Contract Analysis ............................................................................................................................................................................................................. 267\n"}

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+{"chunk":{"char_end":24904,"char_start":23244,"chunk_id":"chk_038191010da87101","chunk_index":22,"chunk_sha256":"cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"When not provided, do not display report label\n\nDisplay when FeeType (UID: 1000.0134, FID: Not on report) =\n“AppraisalManagementCompanyFee” AND PartyRoleType =\n“Client” AND Exists\n\nDisplay when FeeType (UID: 1000.0154, FID: Not on report) =\n“AppraisalManagementCompanyFee” AND Exists\n\nWhen not provided or GovernmentAgencyAppraisalIndicator =\n“false”, do not display report label\n\nRequired when GovernmentAgencyAppraisalIndicator (UID:\n1000.0123, FID: Not on report) = “true”\n\nInvestor Requested Special Identification\n\nWhen not provided, do not display report label\n\n04.005\n\nInvestor Requested\nSpecial Identification\n\n1000.0124\n\nInvestorRequestedIdentificationCode\n\nDisplay when provided\n\nAppraiser Fee and AMC Fee are type-value pairs in the XML that is included in the corresponding instance of PARTY. (Figure 4 - 1)\n\n• Appraiser Fee, when provided, is included in the instance with PartyRoleType (UID: 2200.0136, FID: Not on report) = “Appraiser”, as described in\n\nthe Appraiser and Supervisory Appraiser subsection in this chapter (FID: 04.011 – 04.040).\n\n• AMC Fee, when provided, is included in the instance of PARTY with the AMC, as described in the [Role]/[Role] subsection in this chapter (FID:\n\n04.006 – 04.010, 04.048, 04.049).\n\no PartyRoleType (UID: 2400.0329, FID: Not on report) = “ManagementCompany” when the AMC is not the client.\no PartyRoleType (UID: 2400.0321, FID: 04.049) = “ManagementCompany” when the AMC is the client.\n\nFigure 4 - 1\n\nPage 19\n\nPage 20\n\nPage 21\n\nContact Information\n\nThe Contact Information subsection includes information about the people and/or companies (“contacts”) that are pertinent to the appraisal, including:\n"}

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+{"chunk":{"char_end":134368,"char_start":132734,"chunk_id":"chk_bcadd170c6875abb","chunk_index":78,"chunk_sha256":"cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Functional Obsolescence\n\nFunctional Issues\n\nNone\n\nFunctional Obsolescence Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nVehicle Storage\n\nStorage\nParking Garage\n\nNumber of Parking Spaces\n2 | Owned\n\nDetail\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Commentary\n\nG22 and G23 - Space Numbers.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nWhole Home\n\nSubject Property Amenity\nBalcony\n\nMaterial\nConcrete\n\nIndoor Fireplace\n\nDetail\n56 Sq. Ft.\n\nTotal Number - 1\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 9 of 22\nPage 9 of 22\n\nSubject Property Amenities (continued)\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nBalcony\n\nDescription\nLocation\nAdjacent to Living Room Balcony is functional, but shows overall age\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nand some deferred maintenance, mainly\nfrom the cracking of concrete. The condo\nassociation has systematically been moving\nthroughout the building and making repairs\nas needed throughout all unit balconies.\n\nSubject Property Amenities Commentary\n\nMaintenance of exterior amenities is provided by the homeowners association.\n\nSubject Property Amenities Exhibits\n\nApparent Defects, Damages, Deficiencies - Balcony\n\nThis is where the Balcony Defect Photo would display.\n"}

chunks/json/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.json

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+{"chunk":{"char_end":44163,"char_start":42347,"chunk_id":"chk_ca6cb5bc7ec73aa8","chunk_index":23,"chunk_sha256":"cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The terms “lessor” and “lessee” includes sublessor and sublessee.\n\nFor loans secured by units in projects subject to a ground lease:\n\no The borrower may also be called the “unit lessee,” “unit mortgagor,” or “unit owner.”\n\no The “ground lease” may also be called a “land lease” or “underlying lease.”\n\no For co-ops, this topic does not apply to a borrower's “proprietary lease” or “occupancy agreement.”\n\no For a loan secured by a unit in a project, the term “lender” does not refer to the project's blanket lender or\n\nblanket mortgagee, if applicable.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 20 of 166\n\nUAD 3.6 Policy\n\nGeneral Requirements for Leasehold Mortgages\n\nThe lender must comply with all requirements for leasehold mortgages. In addition, the lender agrees that in accordance\nwith Selling Guide A2-2-07, Life-of-Loan Representations and Warranties, any failure to comply at any time with requirements in\nthis topic is a breach of the life-of-loan representations and warranties if it impacts first-lien enforceability.\n\nThe following table provides general requirements for leasehold mortgages.\n\n✓\n\nRequirements for Leasehold Mortgages\n\nThe loan must be secured by a first lien in the property improvements and the borrower's rights in the\nleasehold interest in the land.\n\nFor co-op share loans, see Selling Guide B4-2.3-03, Legal Requirements for Co-op Projects and B4-2.3-04,\nLoan Eligibility for Co-op Share Loans.\n\nNote: For loans sold to Fannie Mae with new leases entered into on or after Sept. 01, 2025: The fee estate\nmust not be subject to any prior secured loans or other liens, unless the secured party or lienholder has\nagreed to recognize and not disturb the lease if it becomes the owner of the fee estate, as evidenced by an\nagreement recorded in the appropriate land records.\n"}

chunks/json/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.json

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+{"chunk":{"char_end":394037,"char_start":392386,"chunk_id":"chk_ab421195dc586f96","chunk_index":220,"chunk_sha256":"cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"City/Town Taxes\nDD/MM/YYYY to\nDD/MM/YYYY\n\nIntegratedDisclosureS\nubsectionType\n\nAdjustmentsForIte\nmsUnpaidBySeller\n\nNot Shown\n\nProrationItemAmount 365.00\n\nROF as “365.00”\n\nProrationItemPaidFro\nmDate\n\n2018-04-15\n\nROF as\n“4/15/2018”\n\nProrationItemPaidThr\noughDate\n\n2018-04-30\n\nROF as “to\n4/30/2018”\n\n12.8\n\nCity/Town Taxes\n\nProrationItemType\n\nTownPropertyTax\n\nROF as\n“City/Town Taxes”\n\n12.8\n\nCity/Town Taxes\n\n@gse:DisplayLabelTex\nt\n\nCity/Town Taxes\n\nSecond Instance of PRORATION_ITEM\n\n12.11\n\nN/A – XML\n\n…/PRORATION_IT\nEM\n\nIntegratedDisclosureS\nectionType\n\nPaidAlreadyByOrOn\nBehalfOfBorrowerA\ntClosing\n\nNot Shown\n\n12.11\n\nN/A - XML\n\n12.11.1 Utilities ($)\n\n12.11\n\nUtilities\nDD/MM/YYYY to\nDD/MM/YYYY\n\nIntegratedDisclosureS\nubsectionType\n\nAdjustmentsForIte\nmsUnpaidBySeller\n\nNot Shown\n\nProrationItemAmount 100.00\n\nROF as “100.00”\n\nProrationItemPaidFro\nmDate\n\n2018-04-15\n\nROF as\n“4/15/2018”\n\nAppendix E: UCD Implementation Guide\n\nPage 180 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n12.0 L. Paid Already by or on Behalf of Borrower at Cl osing\n\nTable 122. Adjustments for Items Unpaid by Seller\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\n12.11\n\nUtilities\nDD/MM/YYYY to\nDD/MM/YYYY\n\n12.11\n\nUtilities\n\nProrationItemPaidThr\noughDate\n\n2018-04-30\n\nROF as\n“4/30/2018”\n\nProrationItemType\n\nUtilities\n\nROF as “Utilities”\n\n@gse:DisplayLabelTex\nt\n\nUtilities\n\nFigure 107. Adjustments for Items Unpaid by Seller\n\nA. FOR MORE I NFORMATI ON\n\n12.0 | 12.0.1 Reg §1026.38(j)(2)(i) pp. 80125, 80357, 80022.\n\n12.1 Reg §1026.38(j)(2)(ii) pp. 80125, 80357, 80022.\n\n12.2 Reg §1026.38(j)(2)(iii) pp. 80125, 80357, 80022.\n"}

chunks/json/cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":60043,"char_start":57245,"chunk_id":"chk_e61fbfcd34b1ec9f","chunk_index":34,"chunk_sha256":"cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d","token_estimate":700,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name] provided\nsignificant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to perform\nthe assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any person or entity who receives this appraisal report in accordance with the foregoing\nmay choose to store, copy, reproduce, analyze, use and distribute this appraisal report in whole or in part in any format for internal or external\npurposes without having to obtain the appraiser’s or supervisory appraiser’s (if applicable) consent. A person or entity who receives a copy\nof an appraisal report does not become an intended user, unless the appraiser identifies such person as an intended user. The appraiser and\nsupervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to the mortgage finance transaction\nand related activities for which this appraisal report was prepared.\n"}

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+{"chunk":{"char_end":43342,"char_start":41573,"chunk_id":"chk_94d9ea22a5645717","chunk_index":25,"chunk_sha256":"cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db","token_estimate":443,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"The 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\nThe FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage\ninsurance purposes only.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n"}

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@@ -0,0 +1 @@
+{"chunk":{"char_end":41794,"char_start":40011,"chunk_id":"chk_76b91043d5aebcd2","chunk_index":16,"chunk_sha256":"cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349","token_estimate":459,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"Aggregators may resubmit a UCD file to Fannie Mae if the Casefile ID was transferred to them by the correspondent. The DU-generated Casefile ID or the UCD-generated Casefile ID *must be included* when they resubmit the file. There are no additional data requirements, such as identifying that the UCD file was previously submitted by a correspondent.\n\n**Q42. Where can I find the Average Prime Offer Rate (APOR)?**\n\nRefer to [https://ffiec.cfpb.gov/tools/rate-spread](https://ffiec.cfpb.gov/tools/rate-spread) for information on how to calculate the APOR.\n\ncampaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)\n\n### Have questions?\n\nGet answers to your policy and guide questions, straight from the source.\n\n[Get Started **](/applications-technology/ask-poli)\n\n###### Work with Fannie Mae\n\n- [Customer Login](/saml/login)\n - [Password Reset](https://passwordreset.fanniemae.com/)\n - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)\n\n###### Products & Solutions\n\n- [Mortgage Products & Options](/originating-underwriting/mortgage-products)\n - [Technology Apps & Solutions](/applications-technology/applications-technology)\n\n###### Support & Resources\n\n- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)\n - [Guide Forms](/selling-servicing-guide-forms)\n - [Learning Center](/learning-center)\n - [News & Events](/news-events)\n - [Report mortgage fraud](/mortgage-fraud-prevention)\n"}

chunks/json/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.json

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+{"chunk":{"char_end":158840,"char_start":157212,"chunk_id":"chk_f1a3099cd12d6731","chunk_index":89,"chunk_sha256":"cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Existing construction – subject\nto inspections\n\nQualified professional\n\nProfessionally prepared inspection report\n\nThe lender must determine if repairs are\nrequired based on the result of the\ninspection and verify completion of those\nrepairs per the requirements of this section.\n\nValue acceptance and property data\n\nCondition\n\nPerformer\n\nDocumentation\n\nExisting construction - repairs or\nalterations\n\nBorrower\n\nBorrower attestation letter with supporting\nevidence\n\nExisting construction -\ninspections\n\nQualified professional\n\nProfessionally prepared inspection report\n\nThe lender must determine if repairs are\nrequired based on the result of the\ninspection and verify completion of those\nrepairs per the requirements of this section.\n\nNote: The Completion Report with virtual inspection and attestation letters are not permitted for verifying completion for\nHomeStyle Renovation transactions. For more information see SB4-1.4-11, Value Acceptance + Property Data.\n\nVerification of Completion: New or Proposed Construction\n\nWhen the property securing the loan is new or proposed construction, the appraisal must be based on either plans and\nspecifications, an existing model home, or other information sufficient to identify its quality and character to accurately report\nthe interior features of the proposed improvements.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 67 of 166\n\nUAD 3.6 Policy\n\nVerification of completion of construction is required (in accordance with the requirements above) before sale of the loan to\nFannie Mae, unless the lender complies with the postponed improvements policies described below.\n"}

chunks/json/cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":10802,"char_start":8815,"chunk_id":"chk_5c878431e79f3193","chunk_index":5,"chunk_sha256":"cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b","token_estimate":497,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"Selling Guide Announcement SEL-2024-07 clarified policy to resolve inconsistencies related to when a manufactured home\nrequires submission to Project Eligibility Review Service (PERS). The messages issued on single-width manufactured homes in a\nproject will be updated to reflect these clarifications.\n\nLimited Cash-out Refinances\n\nSelling Guide Announcement SEL-2024-08 added two exceptions to the requirement that at least one borrower is an owner (on\ntitle) of the subject property at the time of the initial application for a limited cash-out refinance. The message issued on limited\ncash-out refinance transactions will be updated to remind lenders to refer to the Selling Guide for these exceptions.\n\nHomeownership Education on Loans for Borrowers without Credit Scores\n\nWith DU V. 12.0 updates were made to the eligibility requirements for borrowers without credit scores. On these loans when at\nleast one borrower has a minimum of one credit account or installment account reported on their credit report, the loan is\n\n© 2025 Fannie Mae.\n\n3.19.25\n\n3 of 4\n\nsubject to standard eligibility guidelines. With DU V. 12.0 the message requiring homeownership education was no longer issued\non loans where no borrowers had a credit score but one borrower had at least one account on their credit report.\n\nDU will now issue the message requiring homeownership education for all purchase loan casefiles when no borrower on the loan\nhas a credit score, regardless of any accounts reported on their credit report.\n\nNote: Any purchase loan casefile where no borrower has a credit score resubmitted after the weekend of May 17 will include\nthe message requiring homeownership education. Lenders must ensure that at least one borrower on the loan completes\nhomeownership education prior to loan closing for purchase loans for borrowers without credit scores, even those\nsubmitted prior to May 17 and not resubmitted after the weekend of May 17. Refer to the Selling Guide for more information.\n"}

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+{"chunk":{"char_end":1773,"char_start":0,"chunk_id":"chk_258f260e77daa630","chunk_index":0,"chunk_sha256":"cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244","token_estimate":537,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/single-security-initiative-and-common-securitization-platform\"\ndate_accessed: \"2026-01-27T17:48:05.692Z\"\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"}

chunks/json/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.json

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+{"chunk":{"char_end":161443,"char_start":159704,"chunk_id":"chk_e70457b14092d15a","chunk_index":88,"chunk_sha256":"cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</CASH_TO_CLOSE_ITEM>\n </CASH_TO_CLOSE_ITEMS>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 69 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nJ. PROJECTED PAYMENTS TABLE DATA\n\nThe Projected Payments table has two sections: “Payment Calculation” on the top, which captures how payments can change\nover the life of the loan, and “Estimated Taxes, Insurance & Assessments” (ETI&A) on the bottom, which lists additional\nproperty costs and indicates whether they are paid out of an escrow account. Two container structures support the two\nhalves of the table. ESTIMATED_PROPERTY_COST appears first because it precedes PROJECTED_PAYMENTS alphabetically.\n\nTable 37. XML File Container Structure for Projected Payments Table Data.\n\nUCD UID\n\nContainer Name\n\nUCD Usage Notes\n\n999.129\n\nESTIMATED_PROPERTY_COST\n\n999.130 ESTIMATED_PROPERTY_COST_COMPONENTS\n\nHolds two child containers – one with data points supporting the ETI&A\nline items and one holding the total ETI&A amount.\n\nHolds one or more instances of ESTIMATED_PROPERTY_COST_\nCOMPONENT, depending on the number of ETI&A line items on the CD.\n\n999.131 ESTIMATED_PROPERTY_COST_COMPONENT\n\nHolds ETI&A line item data points.\n\n999.132 ESTIMATED_PROPERTY_COST_DETAIL\n\nHolds one data point with the total monthly ETI&A amount.\n\n…\n\n999.153 PROJECTED_PAYMENTS\n\n999.154 PROJECTED_PAYMENT\n\nHolds one or more instances of PROJECTED_PAYMENT, depending on the\nnumber of projected payment line items on the CD.\n\nHolds “Projected Payments” table payment calculation payment range\ndata points. At least one but no more than four instances may be\nprovided to support the limit of four payment ranges on the CD. This is\nreflected in the cardinality for PROJECTED_PAYMENT of “1:4”.\n"}

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+{"chunk":{"char_end":116851,"char_start":114993,"chunk_id":"chk_3b3dd853f22c6d7e","chunk_index":65,"chunk_sha256":"cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc","token_estimate":465,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Appraisers that are not familiar with specific real estate markets may not have adequate information available to perform a\nreliable appraisal. Although the Uniform Standards of Professional Appraisal Practice (USPAP) allows an appraiser that does not\nhave the appropriate knowledge and experience to accept an appraisal assignment by providing procedures with which the\nappraiser can complete the assignment, Fannie Mae does not allow the USPAP flexibility.\n\nSelection of the Appraiser\n\nThe lender\n\n•\n\nis responsible for the selection of appraisers and for the qualifications and quality of work provided by the appraisers\nthat are selected.\n\n• may not use appraisals ordered or received by borrowers or other parties with an interest in the transaction, such as the\nproperty seller or real estate agent. Fannie Mae does allow lenders to use third-party vendors (for example, appraisal\nmanagement companies) to manage the appraiser selection process. However, it should be noted that if a lender enters\ninto a contract with any vendor, contractor, or third-party service provider, the lender is accountable for the quality of\nthe work performed as if it was performed by an employee of the lender.\n\nThe lender (or its authorized agent) must\n\n•\n\n•\n\nestablish policies and procedures to ensure that qualified individuals are being selected in accordance with Fannie Mae\nrequirements, including the Appraiser Independence Requirements.\nensure that an appraiser has demonstrated the ability to perform high-quality appraisals before using an appraiser’s\nservices. The quality of an appraiser’s work is a key criterion that must be used in determining which appraiser the lender\n(or its authorized agent) uses for its assignments. The requirement for an appraiser to produce a high-quality work\nproduct must always outweigh fee or turnaround time considerations.\n"}